BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  HAS VIOLATED MANY OF MY FCRA & FDCPA RIGHTS!!! I HAVE SEVERAL VIOLATIONS I PLAN TO TAKE ACTION UPON!!! NOT ONLY HAVE I BEEN VIOLATED & TAKEN ADVANTAGE OF BY THIS COMPANY. THEY ARE UNLAWFULLY REPORTING & RUINING MY REPUTATION!! VIOLATIONS - DELETING FROM XXXX REPORTING AGENCY & NOT ALL - REPORTING NEGATIVE REPORTS TO CREDIT BUREAU - XXXX COMMUNICATION TACTICS- VIOLATION IN FIANCE CHARGES - THYE ARE NOT THE ORIGINAL CREDITOR " I '' AM - SEZIED PROPERTY NEVER NOTIFIED OF MY RIGHT OF RECESSION - UNLAWFUL SEIZE & SELL OF PROPERTY THE LIST GOES ON!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax , Inc., a consumer credit reporting agency, said on Thursday, XX/XX/XXXX that they were the victim of a massive cyber security hack, which divulged the information of 143 Million Credit Card Users. Hearing about this, I checked to see if my own personal information was stolen by using the URL : ( https : //www.equifaxsecurity2017.com/potential-impact/ ).  It was reported to me that my personal information has been impacted by the current hack. Information has come forward that Employees and Officers at Equifax have known about the breach sinceXX/XX/XXXX, and have been instead been selling off stocks. Because of this, I feel that Equifax has n't even done 1 % of enough to keep my information safe or to take care of their own faults. I feel they have n't been fully forthcoming and have n't been as proactive to protect their users and the data shared with them from other consumer credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a a letter regarding inaccurate items on my credit report. Its been over 30 days later and I have not received a response. I have not given none of these companies/corporations permission to report anything on my credit report or privy to any of these filings. By law an investigation over 30 days gives a reason to immediately remove items. These accounts are affecting my credit report and costing me thousands of dollars in interest. I have filed a complaint with the XXXX XXXX XXXX and the federal trade commission. I feel like I'm being taking advantage of, and I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information including Name, Social Security #, Address, Birth-date, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a current auto loan with consumer portfolio services. They report that I was 29-60 days late for XXXX and XXXX. there was a payment made on XX/XX/XXXX and XX/XX/XXXX and the account in current. I don't understand why they would report that XXXX is XXXX day late and my payment was due on XX/XX/XXXX and CPS offered me a deferment due to COVID-19. I will provide documents. when I tired to upload the documents with my dispute CPS would not allow me to access my account. I wasn't able to find my XX/XX/XXXX payment receipt but I have their records and they didn't record that payment until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
013. GLA Collection CO Inc. GLA has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX to whom they state i have no outstanding balance to due insyrance has paid in full.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent in a dispute letter to the three major credit bureaus as they have a bankruptcy on my credit profile that does not belong to me. I asked how they verified the bankruptcy and they stated with XXXX XXXX and the Bankruptcy court. I then went on to verify with both sources and was told that they did not provide the credit bureaus with this information. I have documentation from both XXXX XXXX and the bankruptcy court stating that the bankruptcy is not verified or mine and the bureaus continue to report fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a first mortgage with MUFG Union Bank that I am interested in refinancing. Having locked in a bank to complete the refinance, I was asked to provide my note for the first mortgage to the new lender. Searching through my closing documents from the original purchase of my home, in XXXX of 2015, I  realized that I was never provided the original note on the loan. Calling customer service, I was told that the bank was not capable of sending me an electronic copy, and could only mail a physical version of the document after a 3-5 business day processing period. Considering this timing is delaying my refinance, I am paying higher interest to Union Bank than I would pay my new lender because of Union Bank 's policy of delaying customer document requests. After complaining via multiple avenues about the banks ' policies, I received a secure email from Union Bank that purported to attach my loan documents, but nothing was attached to the secure message. This appears to be an intentional policy of the bank to delay existing mortgagors from refinancing their homes ( the main reason a debtor would need a copy of their note ). I imagine there is a class action suit or heft regulatory action, as this policy has likely cost many many American consumers higher interest payments as a result of Union Bank 's deliberate exploitation of their consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax was hacked and potentially all personal information needed for identity theft/fraud are likely to have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax was breached, and now sensitive information such as SSN, credit card numbers, driver 's license numbers, etc., of over 143 million Americans are out for criminals to use exploit. Equifax did not notified affected customers in a timely manner, and instead took over a month before it officially dropped the ball that over half of the US 's population and some in XXXX and the XXXX was breached. The website that Equifax set up to let customers check if they were affect does not clearly state if one is affected or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been well over 60 days. I have not received anything from Equifax regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I received an offer for my Chase United credit card in which if i add an authorized user to my account i will get an XXXX bonus miles. 

I have done my part and added an authorized user but Chase is refusing to honor their commitment & not giving me the miles. 

I have tried multiple times to contact them but they wont listen. 

thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In directly violation of the FCRA, Santander XXXX XXXX continues to update the reporting of the delinquent account being reporting to the consumer reporting agencies. 

The 7-year reporting period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

I am requesting that Santander review my file and furnish accurate and true information to the consumer reporting agencies that complies with the requirement of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Somebody has obtained my personal information and has opened accounts in my name. 
BK of America : {$2400.00} XX/XX/XXXX Bk of America : inquiry XX/XX/XXXX XXXX XXXX : inquiry XX/XX/XXXX Please remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/ identity theft, all is investigated by the FTC . According to FCRA 605B This information must be blocked immediately until the investigation is over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute regarding these accounts in XXXX. I had no knowledge of them and I am requesting that they be deleted from my credit report. I have not heard back from Equifax and I don't know why this is taking more that the alloted 30 days. 

XXXX XXXX {$2500.00} XXXX XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
According to an account stating that I currently have a balance from XXXX ( Telephone company ), and Wells Fargo in which it was reported to the credit bureaus ( XXXX, XXXX, and XXXX that I owe does not belong to me. I have enclosed proper proof that in fact that I am not responsible for the account. If you need any additional information, please feel free to contact me. XXXX XXXX XXXX XXXX : XXXX or via e-mail : XXXX. Thanks in advance. 

Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has had a major security breach that may effect the confidentiality and security of my personal information. I have filed a 90-day fraud alert inquiry but I still feel violated that my information can be accessed this easily due to a company 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga,XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX Equifax XXXX XXXX XXXX are reporting inaccurate information in my credit report and they are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
As my federal rights pertaining to federal law, I am the original creditor and natural person, I have been given false and misleading information regarding my credit as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
What happened is someone obviously misused my personal information and it has haunted my credit file and emotionally drained me. I used to trust the credit agencies but their just as much to blame as the perpetrator themselves. Never once has the credit reporting agencies provided me with any documentation that I requested in regards to these accounts. I hope this issue can be resolved without any further actions, your cooperation is appreciated. I'm demanding these accounts be removed. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying since XXXX XXXX to get XXXX  XXXX XXXX to sort out the complete mess they have made with my Home Equity Line of Credit ( HELOC ). 
Account # XXXX was opened on XX/XX/XXXX and I have been making all the regular payments by transferring money on my XXXX dashboard from my personal account to the HELOC account. 
It appears that at the end of XX/XX/XXXX, the bank changed the account number to XXXX without any notice to me. My HELOC account was still on my dashboard and I continued making every monthly payment through to and including XX/XX/XXXX. 
In XX/XX/XXXX i tried making my usual payment, but the option had been removed from my dashboard. 
After many phone calls it turned out that the account had been handed over for collection for non payment, despite all my payments made in full and on time. These payments had not been applied to my account and were somewhere floating in some sort of suspense. 
After multiple, multiple, multiple calls and emails over several months they eventually apologized for their error, correctly allocated these " Unapplied Funds '' to the account and stated that they would have ALL negative comments posted on the credit reports removed, that the account was current and in good standing. 
Not all the negative comments were removed " Account information disputed by consumer '' still remained on all the agencies. I spent most of yesterday getting these comments removed - something that the bank should have done. 
Checking my reports, I saw that the comments had been removed, BUT XXXX was showing that I had 2 HELOC accounts with XXXX - one showing negative aspects ( Past Due ) and the other " Current '' no past dues. THERE IS ONLY ONE account. 
The bank has been unbelievably slow to get things done - stating that it was complicated - and thoroughly inept at getting this mess, that they created, totally fixed. 
Due to their extreme incompetence I have been denied a re-finance on my mortgage SOLELY because it appears that I have 2 HELOC accounts with XXXX. This has cost me thousands in wasted time XXXX multiple phone calls, multiple emails ) trying to get them to fix their mess, the cost of not been able to re-finance and reduce my mortgage payments by {$230.00} per month, which for 360 months amounts to {$83000.00}, to say nothing of all the emotional XXXX that this has caused

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation