BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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 affected by the Equifax security breach. I 've confirmed that I could information could have been of the breach through their official website : https : //www.equifaxsecurity2017.comXXXX  The complaint is about the communication on Equifax 's end. From my understanding, no attempts of sharing the breach to the people potentially affected was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion has " verified '' collections. I have requested validation to include EVERY DOCUMENT used to support " verification. '' Transunion has blatantly and willfully refused. As Transunion has not been able to provide correct, accurate, and complete information, per request, DEMANDING REMOVAL AND SUPPRESSION OF XXXX XXXX XXXX, IMMEDIATELY. 

It is the consumer reporting agency 's obligation, " pursuant to section 611 ( a ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. Section ( s ) 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumer 's credit report alleged by the consumer to be inaccurate. '' Transitions negligent and willful failure to reinvestigate the disputed entries in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. ( s ) 1681i ( a ), 1681n,1681o, have caused hardship, mental distress, and detriment overall.

PLEASE do not respond stating that " the company will respond and has received the complaint '' as it is OBVIOUS that the complaint will be received as it is a FEDERAL COMPLAINT. Please do NOT use this stalling tactic, just please respond according to the " fair resolution '' section.

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 non-monetary relief
Consumer complaint received 2016-06-29
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recieved a statement in mail from Convergent Outsourcing Inc in XXXX, WA. Claimed owed {$200.00} to XXXX but would settle the debt for {$70.00}. Provided method of payments including giving them your credit card info. We are long time XXXX customers in good standing. Called XXXX to verify we owed nothing and that they had never contacted a debt collection company. Went online and this company has XXXX complaints similar to ours with the XXXX. Total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I RECEIVED NOTIFICATIONS OF NEW INQUIRIES ON MY ACCOUNT THAT I HAVE NOT AUTHORIZED OR EVEN HAVE A CLUE OF THE THEY ARE BUT THEY HAVE SHOWN UP AS INQUIRIES THESE ARE THE COMPANIES! 

XXXX XXXX XXXX XXXX applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a loan on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX Card You applied for a credit card on XX/XX/2021 XXXX Card You applied for a credit card on XX/XX/2021 XXXX Card You applied for a credit card on XX/XX/2021 XXXX You applied for a loan on XX/XX/2021 XXXX Co You applied for XXXX credit card on XX/XX/2021 XXXX You applied for credit on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  You applied for credit on XX/XX/2021 XXXX You applied for a credit card on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I RECEIVED NOTIFICATIONS OF NEW INQUIRIES ON MY ACCOUNT THAT I HAVE NOT AUTHORIZED OR EVEN HAVE A CLUE OF THE THEY ARE BUT THEY HAVE SHOWN UP AS INQUIRIES THESE ARE THE COMPANIES! 

XXXX XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX  You applied for a loan on XX/XX/2021 XXXXXXXX XXXX  You applied for a credit card on XX/XX/2021 XXXXXXXX XXXX You applied for a credit card on XX/XX/2021 XXXXXXXX XXXX  You applied for a credit card on XX/XX/2021 XXXXXXXX XXXX You applied for a credit card on XX/XX/2021 XXXXXXXX XXXX You applied for a credit card on XX/XX/2021 XXXX You applied for a loan on XX/XX/2021 XXXX Co You applied for XXXX credit card on XX/XX/2021 XXXX You applied for credit on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/2021 XXXX  You applied for a credit card on XX/XX/2021 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: GU
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I 'm one of the 143 million affected by this massive data reach by Equifax. There really is no sure way of protecting yourself against something like this. There really is n't anything one can do to combat the effects and the actions of an incompetent organization like Equifax who does n't take seriously the security of its customers ' private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
On XXXX 2017 I received an email from XXXX alerting me that equifax had a data breach. They suggested I lock my XXXX credit file, but this requires signing up for a $ XXXX/mo ( {$5.00} first month ) premium account which I 'm not interested in. 

They also suggested ( via a link ) that I create a 90-day fraud alert, but their systems did n't allow to do this immediately. They required that I physically mail them which is not possible as I 'm traveling without my social security card ( copy required for identification ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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. had systems which were improperly and insufficiently secured. As a result of their negligence, my information, along with an estimated 143 million customers from the United States, the XXXX XXXX, and XXXX have had our information put at risk. This negligence jeopardized and made names, Social Security numbers, birthdates, addresses, driver 's license numbers, and credit card numbers available to users who Equifax Inc. 's negligence and insufficient security processes enabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AK
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 information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WI
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 's security breach resulted in my private, personal information being inappropriately divulged to third parties without my knowledge or consent. Information included my name, address, and may have also included my date of birth and social security number. 

As a major credit reporter of the United States of America, it is Equifax 's responsibility to ensure that my information is secure against third parties, as well as security breaches or hacks, especially when I do not have a choice to opt-out of this this credit reporting service ( and believe me, I would. None of my information is secure unless I 'm the only one who knows it XXXX. 

Equifax should be continually updating its systems and ensuring that it hires enough staff to appropriately manage all data security risks that could possibly occur, through hardware, software, social engineering and the like. It is unacceptable that this data breach occurred, and there is no equivocal reparation that could possibly be made to rectify this situation, apart from issuing me a new, uncompromised identity. 

Equifax, as well as both other companies, XXXX and XXXX, should go through rigorous audits to ensure that their data security operations are impermeable. United States citizens do not explicitly consent to or authorize the use of their information by these third party companies, and as such there should be a mechanism in place to allow either an opt-out, or consistent, thorough security testing. I 'm not sure what data storage looks like for these companies, but any and all information should be both salted and hashed on the storage side and transmitted at no less than SSL XXXX encryption. 

I take my information security very seriously and it is somewhat likely that this mistake will cause me and many others much hardship in the future. The way that my information has been handled is unacceptable and deplorable, and I will be closely monitoring the outcome of this situation to ensure that parties are held responsible and accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: SUN LOAN COMPANY 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX Sun Loan Unlawfully obtained my consumer report without my authorization or a permissible purpose. I have not initiated any transactions with Sun Loan nor do I have a an account under collection or review with Sun Loan. 
On XX/XX/XXXX I sent Sun Loan a Notarized Letter Certified Explaining the Unauthorized Inquiry as well as a demand for a {$1000.00} settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
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:
Learned about Equifax security breach through social media. Upon checking utilizing Equifax web tool to see if I was affected, was told that I was affected. News site XXXX ( XXXX XXXX XXXX ) states that my name, social security number, birth date, and addresses were exposed to criminals, information that is unique and unchangeable and thus may be used to exploit me for the indefinite future ( XXXX XXXX XXXX ). Had to spend my limited free time signing up for a fraud alert through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are 2 things I would like to address concerning Equifax. One is the dispute results I received from Equifax on 3 accounts ( all the same company : XXXX XXXX XXXX ) on XX/XX/XXXX. I disputed the ownership of all 3 reported collections reports because I have not been to the hospital in over 10 years, and this company claims I owe {$85.00}, {$65.00} and {$65.00} for medical bills that were first reported late as of XX/XX/XXXX. These do not belong to me. Equifax came back with the results and said they were accurate and will not be removed from my credit report. XXXX and XXXX both found these accounts do not belong to me, and they have removed them from my credit report. Here is the REAL issue with Equifax 's results. Notice at the top of " Equifax XXXX XXXX  '' they have my name ( in First / Last order ) as XXXX XXXX. My name is XXXX XXXX... they have my name wrong on the dispute results. There is no comma between XXXX and XXXX, they simply got my name wrong... so how am I to trust Equifax is supplying the correct information when they can not even get my name right? My second issue- After I disputed the results including the incorrect name, my credit score mysteriously dropped XXXX points ( only on Equifax... not XXXX or XXXX ). Their reasoning was that my score dropped XXXX points because I was granted a {$120.00} credit limit increase for paying my credit card bill on time AND because my credit card balance decreased {$330.00} when I paid it off. I do not understand HOW being rewarded by a credit card company with a credit increase, or how paying my credit card bill AS EXPECTED - ON TIME with a {$0.00} balance can LEGALLY do my credit harm?? These are both good things... why am I being punished for having good things reported to Equifax? I'm starting to feel like there is some personal bias because I brought their mistake to their attention, and they didnt like it. Please help me, I have been trying so hard to buy a house for 3 years now and Equifax is always the one who destroys that opportunity for me and it's not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MA
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:
A little over a month ago I had my first ever fraud committed on one of my credit card accounts. I did n't know how they got the information at the time, but I spent a great deal of time sort the issue out. Now I know it likely had to do with the Equifax data breach, and event which I was not notified of and could take no action. 

Equifax mishandled my information which has led to a breach that likely caused fraud on one of my accounts and has the potential to put my financial standing at risk. I am extremely disappointed with how Equifax has handled reporting this breach, as I had no knowledge of the breach until it came out on major media platforms platforms this week. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discovered it via social media. 

Going forward Equifax should be required to monitor every breached account and notify any victims if fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with on a hastily prepared website. Additionally we should not be forced to accept the terms from a company that unintentionally released the data of millions just to fix the potential life-altering consequences of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IA
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, one of the three main credit reporting agencies in the United States, has reason to believe that my personal information, including date of birth, Social Security Number, and other personal, sensitive information, was accessed without my consent due to a security breach. Myself, along with hundreds of millions of other consumers have had their information stolen from one of the nations, to-be-trusted agencies, responsible for accessing and storing this information. 

Please ensure that ALL those affected, including myself, are protected from this point foward, by ensuring Equifax will not have a breach of this size again. CFPB, please help America with this breach, and ensure all consumers that this will not happen again. Furthermore, ensure that Equifax will reasonably and realistically compensate those who were affected in this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states : I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
On XXXX I learned of the Equifax data breach. Using the website they set up, I discovered that my personal information had been compromised. I immediately instantiated a fraud alert on the 3 major credit bureaus and reached out to Equifax for details on how to proceed. 

Equifax did not adequately protect my personal information, and has not provided appropriate clarity or instruction on how to proceed now that my information has been compromised. This is a critical oversight for a company that holds so much responsibility for personal protected information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OK
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. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XX/XX/XXXX through XX/XX/XXXX of this  year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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 discovered that my information has been compromised by the recent Equifax identity information leak.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, US DEPT ED account XXXX, XXXX account number XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation