BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: TX
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 did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: WELLS FARGO & COMPANY
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX gave me a degree in XXXX XXXX in which what they taught was no longer being used in the workplace.

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 2017-09-11
Company: Total Card, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a phone call from an unknown number, I let it go to voicemail because I was driving, it was a man name XXXX XXXX saying that they intended to deliver a package to my residence later today and that they were calling to confirm that I was going to be there. Then they stated that they were going to serve me with some paperwork, and if they could not reach me then they would present my paperwork to my employer. 
He told me that the " Firm '' that is handling my case is XXXX case # XXXX. 
The name of the company for this 800 number is XXXX, they would'nt provide me their location, I was informed that it was against their company policy to provide me their location and address. When I spoke to a gentlemen at XXXX, I asked who the dept belonged to, and he informed me that it was XXXX XXXX XXXX, and I explained to him that this company has made no attempts to collect this dept and he stated to me " you are correct '' they have not intention to collect this dept, instead they are going straight to suing me. He then became very patronizing and telling me that I did not know the law, and that I was XXXX XXXXXXXX XXXX XXXX, when I explained to him that I would like written proof of the dept and he denied it. I also explained to him that under XXXX the company had to provide me written proof. When I asked for his supervisor he informed me that " he was a supervisor '', then I asked for his manager " he then informed me that he was a manager '', then I proceeded to ask for his boss, the person over him and then he informed me that " there is no one higher than him, except XXXX ''. 
I told the gentleman that I bid him good tiding and good day and was ending the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I 'm dealing with fault out from the Equifax breach. I 'm doing the steps suggested to protect my finances and identity. One of those steps suggests that you freeze your credit reports. Seeing as Equifax is the sole reason I am freezing my reports, they should be held responsible for those fees. Especially considering in order to pay for a freeze, I would have to give them a credit card number which they have n't proven to be responsible with.
I also do not want to sign up for their credit monitoring service ( specifically for the breach ) because there have been reports that that is not actually free and you sign away your rights to legal suits down the road.
I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The debt collector by the name of XXXX XXXX ( " XXXX '' ) who falsely identifies himself as an Attorney which violates 15 U.S.C. 1692e ( 3 ) took legal action against me for a consumer credit transaction that I initiated for a credit card on behalf of XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ). XXXX is a debt collector. I am the original creditor for the consumer credit transaction. XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them. I did not give XXXX XXXX my direct consent to share my private identifying information with anyone. XXXX XXXX also did not have the permission from a court of competent jurisdiction to communicate with XXXX. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. I was never properly served legal documents. XXXX does not have authority to take any legal action against me pursuant to 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. He requested a default judgment against me and mail was sent to an address that does not belong to me. This is not my first run in with XXXX taking illegal action against me. My private identifying information for my former name appears on a court docket which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit. They reported false information on my consumer report which resulted in adverse actions. The information was posted to the credit reporting agencies to coerce payment of the debt. I will attach a copy for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: CT
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 contacted the credit bureaus about the closed account reporting as being open when the original contract for the loan was misrepresented. The vehicle was financed through XXXX XXXX XXXX and repossessed four years. The sales man of the vehicle XXXX XXXX stole my {$5000.00} down payment and never factored into the direct loan. He has since been incarcerated for doing this, also I never received any notice of defiency or redemption. Ive been arguing to have this removed from my credit score for years without the agencies properly investigating this even when I sent in proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: TX
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:
After the Equifax data breach, the company waited over a month to send out a press release ( and during this time period three major figures in the company sold a significant portion of their stakes in the company, which is ethically questionable ). Equifax did not contact me directly, so I had to find out about the data breach via word of mouth. Their website did not clearly direct me to their SEPARATE website ) ( equifaxsecurity2017.com ) where I could check if I my personal data breached. 

When I finally inserted my information into their new website to find out if it had been compromised, the site said it likely was and only offered one year of credit monitoring with their product TrustedID. I am still waiting for my given sign up date to enroll in credit monitoring, and there is a lot of unclear messaging about whether enrolling in TrustedID would mean that I can not participate in a class action suit against TrustedID. For now, they only reassure consumers that enrolling in TrustedID will not prevent us from participating in a class action suit against Equifax for the breach. 

I now have very little trust in this complementary credit monitoring product ; if Equifax could be affected by such a severe data breach, surely its TrustedID product similarly might be victim to such a cyber attack. Moreover, why is it only offered for a year? They should offer complementary monitoring for as long as we still have the same social security number ( i.e. indefinitely ). 

I hope there is a proper government investigation into the company 's leadership regarding their response before making this public and also how they have failed to properly protect their consumers afterward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2017-09-11
Company: EQUIFAX, INC.
State: TX
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:
Equifiax will not up date my account XXXX XXXX account to paid and XXXX balance. I paid This account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
I received an email from Equifax about by credit information having been stolen from their companies records/databases. I visited their website to place a temporary freeze on my information that is maintained by their companies and once entering my information as they requested I received a 500 error ( process not available ). So, I also can not freeze my information with them today. XXXX/XXXX/XXXX. I also visited their website and they asked me to wait until XXXX/XXXX/XXXX to utilize their monitoring alert program. I do n't know if I would like them to monitor something they should have been protecting to begin with. 

It seems that Equifax is trying to get me to buy more protection from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the HAF program through the state of MD, the governement contracting company handling the applications is TERRIBLE! I have had to reapply bc they changed their system, they aren't being transparent with homeowners who are behind on payments. 

The XXXX XXXX XXXX XXXX XXXX is out of Florida, has approx 9 employees handling 40k applications, can't see docs you upload in the system, the people processing the applications don't sound like they know what they are doing or have processed mortgages or related products before. They are currently NOT in good standing with the state of MD, because they haven't filed taxes in MD for XXXX, XXXX, XXXX & have a poor rating with the XXXX They have threatened to cancel my application, my processor refused to answer my questions while they are the problem and have dragged out the process and NOT letting people know their previous applications had been canceled due the system upgrade. 

I am now being offered a trial loan modification with Select Portfolio but they won't tell me what the final terms will be and get an attitude with me when I ask them. I have 13 years left on my mortgage, why would I want to pay 17 years of interest all over again? 
None this makes sense OR is on the up & up with both companies. 

I am VERY CONCERNED for other homeowners dealing w both these companies as well. 
Please help! Thank you!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I dont have this bill why they charge me {$630.00} for?? Dispute this

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 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Disputes were sent to Transunion on XXXX XXXX, XXXX asking them to validate the debts by providing proof that these belong to me and are reporting correctly on my credit report. Transunion responded by sending updated credit reports stating that the debts had been verified, however did n't provide proof of how they came to those conclusions.

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 2017-10-03
Company: Experian Information Solutions Inc.
State: OH
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 certified mail to experian requesting verification as well as validation. Experian has broken the law : By the provisions of Section 611 of the Fair Credit and Reporting Act of 1970, I demand these items be deleted from all current and future credit reports. Please forward the names of any individuals and/or organizations you contacted so I may follow up with them directly.
I shall assume that 30 days constitutes a reasonable time for verification of these entries. Through our interpretation of Section 611 ( a ), it is understood that the failure to verify these items within 30 days constitutes a reason to promptly drop the information from the credit report.
Pursuant to Section 611 ( d ) of The Fair Credit and Reporting Act, please send notification that these items have been deleted. Please send an updated credit report to my address that is listed above. The provisions of section 612 state that there is no charge for this notification.
Experian is concerned whether my complaint is from a credit repair company instead of addressing my issue of all the incorrect, fraudulent information on my credit report. I will be pursuing legal action against experian as well as CFPB. The LAW360 lawsuit is an just one example that will happen to experian. This is utterly ridiculous that consumers have to endure such foolishness! 

All these accounts are a product of identity theft : 1.  XXXX XXXX XXXX XXXX Negative item 2. XXXX XXXX XXXX XXXX Negative item 3. XXXX XXXX Negative item 4. XXXX XXXX XXXX Negative item 5. XXXX XXXX XXXX Negative item 6. XXXX XXXX Negative item 7. XXXX XXXX Negative item 8. XXXX XXXX Negative item 9. XXXX XXXX XXXX Negative item 10. XXXX 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 2022-06-16
Company: AmeriCollect
State: WA
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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
First off, I would like to say I do n't every recalling Equifax ( or the other two credit report businesses ) my permission to obtain, retain, and use my information for profit. Secondly, Equifax was negligent is protecting my personal information from people wishing to steal my personal information for their own personal gain and to my detriment.
Equifax ' data breach has forever affected my life - has added unwanted daily worry and concern that the credit rating I have earned by being an outstanding borrower can be tarnished in mere moments anytime someone wants to use my personal information.
I did not ask for this. I did not sign up for this. Equifax allowed this to happen to me, as well as over 100+ million other individuals. They have made no offer to fix this and instead want you to sign up for some credit watching service - free for only 1 year!!!! The rest of my life is affected, and they offer 1 year only. This is shameful and insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I contacted Trans union customer service to remove credit inquiries that were removed and then reinstated. Customer service was unwilling to help and stated this was not the case in my situation. I asked to speak to a supervisor and was told none were available.
I also mentioned that trans union had an account on my record listed as derogatory condition while the other two companies had it listed as paid and closed. This resulted in TU score to be 70 points lower than the other two companies.

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 2021-03-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
CITIZENS BANK is retaining {$30000.00} from a check I issue to Mr XXXX XXXX, my carpenter contractor. My bank ( XXXX XXXX  ) negotiated my check and send the money to CITIZENS BANK to pay Mr XXXX XXXX, in XXXX XXXX. I attached photos of check and fotos of my business with EIN. To proof A legal business.

Company response to consumer: Closed with explanation