BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have had this loan for about a year now. I have not been able to pay it off. They keep on adding more fees and higher than before. I just want to pay it off. I only borrowed {$100.00}, at first then they kept offering more and more, up to almost {$500.00}. I told them that I didn't want to borrow anymore money from their company and I just want to pay them off. I've been sending them about {$100.00} every month but even more fees are added on, and the amount owed is not being reduced by them. I seriously want to put this loan behind me very much. They say that I owe them about {$800.00} maybe it's up to {$1000.00} by now according to them, regardless that I've been paying {$100.00} per month on my loan. Seems to be a scam to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 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 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:
Equifax Inc. severely mishandled my personal data, not putting adequate safeguards in place to secure my personal information. My information is now compromised, along with the personal data for millions of other Americans.
I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: LEXISNEXIS
State: AR
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:
This company is reporting inaccurate and fraudulent information on my credit report. I did not give them written instruction to report anything and I opt out of any further reporting. This company has never had my permission to report anything on my behalf, and they are violating my rights as a consumer. This is aggravated identity theft. I never gave this company my information to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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 Acct # XXXX has 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 a 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 2022-06-18
Company: Experian Information Solutions 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 Acct # XXXX has 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 a 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 explanation
Consumer complaint received 2017-09-10
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:
Due to the recent security breach at Equifax ( XXXX 2017 ), I have no idea whether or not my credit report and its associated personally identifiable information is now in the hands of criminals. I am deeply concerned about the possibility of my identity being stolen and my credit being ruined. At the very least, if my information has been stolen it will create require investment of my time to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
Equifax collects data on me that is used by others to determine credit score worthiness. This includes sensitive personal data, which may be used by others to commit identity theft. Due to weak security practices, Equifax let this data by stolen by others, and now I live with the fear of identity theft looming over my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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 did not properly secure my most critical personal information, allowing it to be stolen as part of a large data breach. 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 news on the internet. In addition, the day the attack was announced publicly, the website which should have verified whether or not I was a victim did not function properly ; it did not tell me the answer to this question, only giving me a date of enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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 2022-01-18
Company: ACIMA CREDIT, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This is a matter of identity theft. Someone that is not me applied for and received an installment loan to make a purchase at a jewelry store. This was not the first instance of identity theft I had been dealing with, so prior to this fraudulent application being submitted, I had placed a fraud alert on my credit file with each of the XXXX credit bureaus. The fraud alert clearly states that there is suspected fraudulent activity and any potential lenders must call me directly by telephone for further identity verification. I received no such phone call from Acima. 

I contacted Acima and they were utterly dismissive. This company failed to perform simple due diligence even when provided with a clear warning. I allege that this lender is not concerned with these types of situations, and may even welcome them based on the ridiculously easy application and approval process - that and the process in which funds and merchandise are exchanged only bolster my suspicions. The funds are not transferred to the applicant ; the lender contacts a chosen retailer directly to complete the monetary transaction - the applicant may not even be present for this. The lender purchases the merchandise and the applicant picks it up at their leisure. It seems the retailer in this instance failed to perform even the most cursory of identity verifications as well. The opportunity for collusion between retailer and lender is glaring in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: GVA Holdings, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a XXXX loan in XX/XX/2019 and I have paid over XXXX on the loan. I called today to pay off the loan and they said I owe XXXX. I don't understand how my payoff is so high. I asked for the interest rate and they couldn't tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2019 I received a letter saying I was being sued for a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Data Mortgage Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On Monday XX/XX/XXXX I received a mortgage delinquency letter from Essex mortgage. I called them and tried to get options to catch up on my mortgage or delay payments. 

The letter stated I needed to pay {$2800.00} plus late fees to avoid foreclosure by XX/XX/XXXX or call for assistance/options. I called and did a over the phone interview for options and the only options available were covid 19 assistance due to covid being one of the impacts of me not being able to make my payments. The representative on the phone said they no longer offer those options even though I qualified. I was advised he would send a loss mitigation application so that I can apply for other options. I never received and the website he provided for me to upload electronically for faster processing states that I am not eligible due to my current loan status. My payments are behind for XXXX and XXXX. 

I also asked if the late payment reporting on my credit can be removed solve it is the first one and was told I have to dispute it because they cant remove it but I still havent got that information on how to do so. I am needed help with getting my account back on track and possible payment deferrals, lower monthly payments or payment plan but the company hasnt been very helpful and my date is nearing for XX/XX/XXXX. I would like to keep my home and get back on track but they arent helping me so that instead I get debt collection calls from their company every second of the day threatening me and being very rude after Ive tried reaching out and sharing my financial difficulty. From what I read on FHA covid assistance is that its still available but I was denied and havent received any other Assistance timely to help my situation. The first day I got the letter I called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I made my payment on time, and was flagged by cap 1 for being 30 days late, in which it hasnt been a complete 30 days since the last payment was paid to cap 1, I have exceptional credit history wit payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: NV
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet when I review my XXXX  account dated XX/XX/XXXX I found out that there are items passed on that should be Block. Per FCRA segment 605 XXXX and Equifax Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. XXXX did not response my letter that sent to them last XX/XX/XXXX. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX  XXXX, NV XXXX U S DEPT OF EDXXXX XXXX Balance Owed : {$3500.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$1800.00} ACCOUNT XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: GA
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 was shopping for ( 2 ) vehicles. I was pre-approved by XXXX XXXX XXXX and XXXX XXXX. I had already selected my vehicles. When I went to the dealership to complete the deals and pick up the vehicles. The sales person and finance team toke it upon themselves to run my credit multiple times threw many financial institutions without my signed consent searching for a better deal that. I didn't ask them to do. I was satisfied with the companies that I chose. To submit my information over ( 40 ) times between the ( 3 ) credit buraus was abusive and excessive. I've contacted them several times via written communication and verbal phones calls only to get no satisfactory results. I've quoted all the Fair Credit act statutes that would pertain to my situation and they still refuse to remove theses items. Telling me there is no impact to my credit file it only counts as one point even though they were all done within one to two days apart. The impact is indeed affecting me credit score as well as credit character as a responsible consumer. I'm requesting that theses hard inquires be removed immediately.

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 2017-09-10
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:
Equifax has clearly exhibited negligent, incompetent and irresponsible actions, which results in the massive data breach incident. It has acknowledged and been aware of the incident since XX/XX/2017 but did n't do anything about it until XX/XX/2017. Also, Equifax has similar data breach incidents previously but still ignore to address the issue within its own system and website. According to cybersecurity expert, it still fails to ensure its security practice are up to the industry standard. This is clearly irresponsible and negligent on Equifax 's part and I was impacted by this incident caused by Equifax. 

Since the announcement of the massive data breach incident on XX/XX/2017, Equifax has provided a tool to check if any individual was affected. However, this tool is virtually useless. First, this tool requests ssn and last name in order to verify, but these pieces of information are the part of the massive data breach. Therefore, anyone, who possessed the leaked data, can assume other person 's identity and potentially setup Equifax credit monitoring service instead of the actual affected individual. Secondly, Equifax did n't initially do due diligent to ensure the tool to verify and identity if the individual was affected working properly. This is irresponsible and exhibits incompetency on Equifax 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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 lack of security controls exposed my credit and identity information to hackers. This is unacceptable. Their after-the-fact protections are highly lacking and leave the responsibility in my hands to correct and monitor all activity going forward. This could be extremely costly, time-consuming and ineffective at protecting my information. Unacceptable for a company that should be solely concerned with this as their mission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions 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:
act XXXX  Account # XXXX ( XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX ( XXXX ). Miss put information on multiple areas. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : also 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 explanation