BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: TX
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proo you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. This account has been settled and paid. 
DEPTEDXXXX  Account XXXX : XXXX Please remove it from my credit report. 

3. This account has been settled and paid. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account has been settled and paid. 
DEPTEDXXXX Account Numbers : XXXX XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IN
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:
Today I learned that Equifax was hacked. I went on their site and learned that my information was released. Two problems here : apparently I can not sue Equifax now that I have checked this information, and there is no recourse as to how to shut down my information. Let me tell you, I have had my information stolen before, and it is a nightmare to clean it up. I can not imagine how much more difficult it will be now that HALF THE UNITED STATES was hacked. Help us please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Account Number XXXX XXXX XXXX XXXX In XXXX of XXXX, I was connected to a representative to whom I shared with them that my requested billing date was off by one day. I explained to the representative that I am paid monthly on the XXXX and to ensure I am able to maintain credit worthiness, I requested my due date be changed from the XXXX to the XXXX of every month. I was told by the representative that the one day off mistake was made by XXXX when they sent my information to be processed and TD Finance could not make that determination to change the billing date. I was told I would need to speak with a representative from XXXX to resolve the matter. I contacted XXXX and was told the information I received was false and the finance company has the power to fix the mistake. 

I was persistent in trying to resolve this matter and paid my bill in XXXX on the XXXX when I was paid and was accessed a late charge. I contacted TD XXXX  to resolve the matter and was told there was nothing that could be done to change the billing date and nothing could be done to adjust my account to waive the late fee. I did the same in XXXX and spoke to a representative who told me I was the customer, and who did I think I was requesting a set due date. The representative went on to tell me I had a lot of nerve and I could pay the bill at the end of the day on the XXXX so the payment would not be debited from my account until the XXXX. I explained this was a risky practice and I could run into the possibility of the transaction being debited same day. I also mentioned to the representative that all of my other creditors have been accommodating and have given me the XXXX as a due date so I will not assessed late fees. The representative responded back, with the reminder that we ( TD XXXX  ) are not all of your other creditors. I explained to the representative that the companys unwillingness to change my due date by one day was causing an unnecessary hardship. The representative remained firm that there was nothing that could be done. I was also denied my request to speak with a supervisor. 


Additionally, in XX/XX/2021 I was charged a late fee of {$24.00}. In XXXX I paid my bill of {$78.00} but was charged an additionally late fee in the amount of {$24.00} even though the bill was paid. There is no reference in my received documents that a late fee can be assessed when a late fee is not paid. The late fee is only assessed when the original minimum amount owed is not paid which is not the case in this instance since I paid the minimum monthly amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On my TransUnion report there is a collector by the name of XXXX XXXX XXXX..this particular debt was previously disputed and removed as a result of fraud..it has since been sold and bought by a different collection agency ( XXXX XXXX XXXX ) ..I am requesting that it is removed from my report as it was previously done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: UT
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, Birthdate, etc. resulting in a data breach in XXXX 2017 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 2022-07-12
Company: EQUIFAX, INC.
State: MN
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:
The collection account from XXXX XXXX, XXXX thats currently listed on my XXXX, Equifax and XXXX XXXX credit report is not my collection account and is the result of identity theft. The collection account is a fraudulent account and the is the result of identity theft. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX, the consumer sent out a notice with my id and bank statement for proof f address regarding the transaction and experience reporting on my consumer report. First Progress is reporting utilization on my credit card which is a clear violation of 14 USC 1681a2 ( A ) ( i ). Not only that but late payments are being reported which is a clear violation of 15 USC 1666b.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MD
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:
I have been identified as an affected individual in the Equifax security breech disclosed on XXXX XXXX, 2017. Due to inadequate data security measures and protections on behalf of Equifax, my personal and private information and data such as my SSN, DOB, full address, and potentially DL number have been stolen. Through no actions of my own, I must assume that my private and personal information are now public data and potentially being used without my consent for future deeds of dubious intention and legality.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First Mortgage payment was due on XX/XX/XXXX OR XX/XX/XXXX. 
Chase Bought loan from another Mortgage company. Total Mortgage due Monthly is $ XXXX taxes and insurance is in payment as well as principal and interest. ( {$1600.00} Divided by 4 weeks = {$400.00} per week. ) To be clear, all other banks/Mortgage companies have applied our payments directly, when payments were received to mortgage/principal with no issue for almost 2 decades on several past homes as well as our present home. Lastly, we did not agree to have our mortgage/terms with Chase they purchased our loan after the fact. 
We began WEEKLY payments as we always have of {$400.00} per week on XX/XX/XXXX up to the date of XX/XX/XXXX which total sent Chase via automatic payments from our bank was {$3200.00} total sent to Chase as of XX/XX/XXXX. In addition there is another payment pending that has not been processed by our personal bank as of yet of {$400.00} that will be paid to Chase on XX/XX/XXXX. 
We received a letter from Chase saying we owed and were overdue {$3200.00} ( the exact amount we had already paid ). 
My husband and I called Chase on XX/XX/XXXX and they said they coded account wrong and were not applying payments to our mortgage payments but instead as additional principal payments. They say they will fix this with-in 3 days. 
Our concern is without us agreeing to or being notified ( until overdue notice ) they made this decision. They also say in the future whether we do bi-weekly payments on their site or weekly payments from our banks site. They refuse to put the payments towards our mortgage/principle. Instead they say they will hold the money and pay full mortgage payment on the payment date and refuse to process payments or apply to the principle at the times the payments are made. They also refuse to apply the weekly monies that we have already paid toward the initial principal/mortgage according to the dates they were forwarded. 
We are also concerned with possibility of both of our excellent credit reports going down because they did not process payments properly and listed us as overdue when the account was paid in full. There is a payment pending at our bank and being sent on XX/XX/XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I want to pay my wife 's {$550.00} debt. I called to do so on X/XX/17 but was told that this would not be deleted from her credit report. <P/>We were never made aware of this account, nor given our validation period. <P/>Again, I want to pay this, but only if it 's going to be removed. The adverse effect on my credit report outweighs payment for only an update of paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: IL
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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e. '' THE ALLEGED DEBT CAN BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANTOHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NV
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:
This is part of the Equifax data breach. I am just an ordinary American here, but it looks like they took a long time to disclose the breach ( imagine that their stock will tank now ), and they are seemingly forcing people into arbitration and a service to protect what they have already lost. It also appears that federal law requires creditors to report information to this agency, thus putting Americans in " harms way '' ( by law ). Without any way to limit this, I ca n't even be certain that I will not be a victim of identity theft. I have put a 90 day fraud alert on my wife and my social security numbers. Not sure what else to do. On there website, I went to the area where you could see if you were " affected '' - it says that indeed I was - here is the text : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID Premier. 

I do not trust this company with my information and believe they have not done enough to sufficiently protect what is entrusted to them by the Federal Government. 

Please let me know what I can do about this. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
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 allowed hackers to steal my personal information including DOB, SSN,  former addresses and potentially more. This means that information, which usually never changes, has to now be considered publicly available forever. I know have to be extremely vigilant and am at a high risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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 data breach. Their automated system told me that I am apart of the affected party. Their lax attitude on the personal security of XXXX people is cause for alarm. They have been aware of the breach since XXXX and are just now making a statement. My information very well may have been compromised in such time. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Better Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was pre-approved for a home loan with Better Mortgage. I got them all of the financial information they requested within 24 hours. They did not get the appraisal done. My home has sold. Asked repeatedly about getting the appraisal done. They waited until 10 days before my close to do it. It's still not done, my home is supposed to close in one week. I have to move because my home sold. I do not know if I can move into my new home because we do not have a completed appraisal. I've been asking every day for several days. I keep being told that it will come in tomorrow and it never does. I am at risk of being homeless. I'm also at risk of being out several thousands of dollars because I have already paid for and booked the moving company. They are now avoiding my emails and I have being placed on hold for several minutes and no one is getting back to me. I have excellent credit. I would have not used this firm if I knew this was going to happen. What if my house does not appraise for the value it is listed at? I do not have the money to make up for the difference. What if the appraisal is not done before I am supposed to move? This is completely crazy. I feel duped and I am XXXX and very scared of being homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: First Federal Credit Control, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MY MEDICAL DEBT WAS REPORTED TO MY CREDIT ILLEGALLY ACCORDING TO 15 U.S CODE 1681B ( G ) ( 3 ) BY FIRST FEDERAL CREDIT CONTROL IN THE AMOUNT OF {$450.00} XX/XX/2020 {$290.00} XX/XX/2020 {$290.00} XX/XX/2020 {$270.00} XX/XX/2020 {$190.00} XX/XX/2020 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At some point all three credit reporting agencies should stop blocking me from getting what the federal government is guaranteeing the US consumer. And that is weekly annual credit reports from XXXX, XXXX and Experian. All three are still restricting us access to get the Free Annual Credit Reports. This has been going on for awhile, and it is being allowed to keep us from seeing how our credit scores are being suppressed. Now we have a perfect paying history, no late or missed payments on any of our accounts. No negatives or anything that could negatively impact our credit scores, yet my XXXX score is XXXX and my XXXX credit score is XXXX. My Experian is XXXX and that is because Experian limits their third part access into the consumer credit data. 

The goal is to keep our score low and make our accounts XXXX. 

We have been disputing this and all three credit bureaus have been consistent to NOT CORRECTING these intentional errors

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 2020-08-19
Company: Experian Information Solutions Inc.
State: NE
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 have sent letters, disputed, called and notified my credit bureaus that this is a result of identity theft. My wifes ex sister in law was staying at our house when we were out of the state and this was opened and had access to our bank account cards. My XXXX email was hacked and breached and to my understanding was used to correspond with this company. My wife and Is phone were hacked and flashed for our number and it took getting new phones to resolve this. We had to stop payments on this when my wife balanced the check book and realized money wasnt balancing and there were multiple withdrawals for this including having to get new cards and accounts etc. Its my understanding also that the address used was XXXX XXXX XXXX XXXX but we moved in XX/XX/2018 to XXXX XXXX XXXX XXXX and utilized our XXXX credit union account. Its my understanding that the calls on the original loan have voices from multiple different people. This loan shows refinanced and it was my understanding that this was to be closed and removed but it looks like someone got to run off with the money and I did not take this loan with my knowledge or consent. The contract I have seen only once stated interest in the amount of something like 188 % which I dont believe to even be legal. They are stating I owe {$2500.00} to them and this is a result of identity theft. I just recently learned my rights and have asked them to remove this after the XXXX account and XXXX breach along with my drivers license and wallet being stolen from me at work. I have had multiple loans with my credit union and would never need a loan with this insane interest which is predatory to say the least.

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 2021-08-25
Company: Real Time Group, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
File bankruptcy several years ago and the bankruptcy has been discharged. The debt collectors are still mailing me letters stating that I owe {$75000.00}. 
An automatic stay specifically states that a creditor can not contact me to collect a debt after i filed bankruptcy. Continuing to try to collect after a bankruptcy has been discharged is illegal. And id like to start a lawsuit. I'm so tired of receiving yearly random treats from Real Time Resolutions, Dept XXXX, XXXX XXXX XXXX, XXXX PA XXXX. 
RTR File Number XXXX XXXX Other address listed : XXXX XXXX XXXX XXXX TX XXXX website XXXX

Company response to consumer: Closed with explanation