BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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:
XXXX XXXX, 2017 On this day I found out that my information, ALL of my personal identifying information, had been compromised in the breach of Equifax. I was not contacted. I had to learn about it from first social media, then the news. I had to do the legwork to see if my information was compromised. 

This information, trusted within this company, is everything required to steal my identity, disable fraud alerts, unfreeze freeze 's that I place on my credit, fraudulently file taxes, etc. Now this information is in who knows who 's hands, and unless more secure safeguards are put into place to protect it in the future, I will ALWAYS have to worry about identity theft because of Equifax 's lax cybersecurity. 

I do not believe that the social security number is enough protection anymore. Technology continues to advance, however the social security number does not. I believe modern safeguards need to be used to authenticate and identify the person, and as soon as such is put into place, the reliance on social security numbers needs to be ended, and that they should be public knowledge, just like a license plate number or drivers license number. 

I believe Equifax needs to make this situation right. I am disgusted that for the foreseeable future, nothing I can do will make my identity safe, nothing I do will make my credit safe. I should not have to be doing all this legwork when I have done nothing wrong. I certainly should not have to pay to make my compromised credit slightly more secure. Equifax needs to act to protect us moving forwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, 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:
my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: CA
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:
Last year I discovered a false account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Information not correct please be provide info and remove from my credit.XXXX XXXX   for XXXX and XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Verisk Analytics Inc
State: TN
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:
Verisk/Financial / LCI is XXXXncorrectly reporting an erroneous chapter XXXX bankruptcy on my credit report to XXXX XXXX and XXXX ( XXXX XXXX XXXXs ). Verisk/Financial /LCI maintains the United States Bankruptcy Court of Middle Tennessee has reported and verified information to them on this alleged bankruptcy, however, Ive contacted the court and they confirmed they DO NOT report any info regarding case filings to any credit reporting agency or third-party data furnisher. XXXX XXXX, XXXX XXXX XXXX have ALL deleted the erroneous chapter XXXX bankruptcy from my credit file due to the discovery of my identity being compromised last year, while Verisk/Financial / LCI has refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: CA
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:
Last year I discovered a false account with XXXX BANK, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX BANK XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report buXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2019-07-20
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
What : Charge- off Alert Date XX/XX/XXXX Source EXPERIAN Company XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , FL XXXX Phone XXXX Activity Auto Loan Balance Date XX/XX/XXXX This company has reported a charge off when they were included in a BKXXXX that was discharged XX/XX/XXXX. Contacted credit Beauru Experian to investigate and during that time this company contacted me to extort money for me to pay for delete on XX/XX/XXXX. Experian came back on XX/XX/XXXX to state the company verified this was my account. It is illegal to report a charge off when the account was already included and discharged way back in XXXX. In fact, the even deleted the account when it was going through the bkXXXX proceedings.

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 2022-07-11
Company: Experian Information Solutions Inc.
State: VA
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 had one account with XXXX XXXX XXXX which was in great stands by the way since XXXX. I received and alert XXXX, experian XXXX  and XXXX XXXX XXXXrom my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education XXXX who is a debt collector. They told me XXXX gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. XXXX XXXX  said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. XXXX report 9 account of student loans account to my credit report that all have the same account number. XXXX reported all to my XXXX. This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC XXXX XXXX {$0.00} paid % in full DEPTEDXXXX XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}

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 2020-06-17
Company: Flagship Financial Group
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The laws about making phone calls are unclear to me. I received a text message from my brother that lives in a different state with a voice message on it. The voice message was from the company that my husband is behind with my car payments. The car note is in my name. I would never in a million years list my brother as a contact or reference because we are not close and I do not want my family knowing my business. The voice message identified why she was calling, her name which I couldn't hear clearly, letting my brother or whoever heard the voice message know my full name and the account that she is calling about. Evidently the only way she could have received contact information on my brother is to do a background report to find my kin people. I'm a very private person and do not like my information shared with people I have not authorized to share with.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
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 wrongfully exposed my full name, social security number, address, and other identification information on the internet, due to gross negligence of security practices. This has put me at lifelong risk for identity theft and credit fraud, requiring constant monitoring, time, and expenses for me for the duration of my life. This is also a Homeland Security risk as enemy nation states build databases of Americans that they then use to get to their targets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Early Warning Services, LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi, I ordered a corgi puppy to buy from a vendor through an online website. The vendor reached out to me with details about the puppy in the email. 
He charged me 850 $ for the puppy and told that it would be transported from north Caroline to XXXX. 

Once I submitted 800 XXXX the vendor told me that he started the shipment process with XXXX XXXX XXXX service. 

Once this started they sent me a tracking page on their website. Within a span of 1 day they charged me a total of XXXX . 

They asked me to pay for below mentioned amount and said that it would be refunded back with completion of delivery. 

Payments asked on XXXX XX/XX/2022 - 1800 $ for puppy crate. - paid XXXX $ for puppy travel insurance. - paid Payment asked on XXXX XX/XX/2022 - 3000 $ for vaccination - paid Payment asked on XXXX XX/XX/2022 a 7000 $ for quarantine facilities for the puppy. - unpaid Also they sent me emails with payment details and only asked for payment via Zelle. Attached screenshots with this complaint. 

I realized that this is scam and immediately reached out to bank. 
As all transactions were made over Zelle  they said they cant guarantee full returns. 


Information of scam vendors- XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: NJ
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-08-22
Company: CarMax, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed a used car through Carmax XXXX XXXX. At least three times in the past two years I have received a notice that my payment was overdue and a past due payment was added to the monthly payment. 

When I called, they always conceded that the payment was processed but the letter was sent. As an example, my last payment was due XX/XX/2020. I sent the payment as I always due electronically through XXXX XXXX. 

That payment was paid on XX/XX/2020. When I spoke to Carmax XXXX XXXX on XX/XX/2020 ( the day I also received the late payment notice letter ), I was told the payment had been received on XX/XX/2020, well within the ten day grace period, but not posted until XX/XX/2020. Hence the overdue letter. 

Since this can affect my credit score, I want to know what can be done about having my payment posted timely. I always pay at least a week ahead of the due date, sometimes even 10 days ahead. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: NJ
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 IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. IAMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TOTHELETTER OF THE LAW '' Experian, XXXX, XXXX XXXX XXXX XXXX are failing to comply with FCRA laws. I have filed a police report, an identity theft report & reporting I was a victim of identity theft to all parties. The following accounts were opened without my knowledge, authority or consent & I need them blocked from my credit file & internally with XXXX XXXX. I'm again attaching a police report, identity theft report, my photo ID and local address document. Please see the following information is removed from my report. XXXX XXXX Accounts # XXXX, XXXX & XXXX. Also the following address is not mine XXXX XXXX XXXX XXXX XXXX & there is some social security which is not mine either - XXXX. Please see that all this information is blocked from my records...

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 2021-03-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
my credit card account with XXXX  XXXX XXXX has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2021 2021

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

Complaint:
Equifax was hacked and SSN/Personal Info was taken. It is all over the news right now. I checked my SSN with their website to see if my info was compromised and it was. Equifax did not secure millions of Americans SSN # s and now, they have set up a service to check if your info was compromised however, they try to lure you into submitting to a credit monitoring service which opts you out of suing in the future. If you check your info at Equifax, DO NOT OPT IN TO THE CREDIT MONITORING SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
Equifax was hacked and neglected to inform affected customers until months had passed. Equifax managers dumped stock with insider knowledge that the news would affect the price. 

Additionally, they have set up a website to check if we were affected. By checking if we were affected, we waive our rights to a class action suit in the future. This is extremely shady, almost certainly illegal and should be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: MS
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:
Experian, Continues to inaccurately report on my credit. Sometimes three to four times monthly. And my bank reports once a month. My score would go up and down at least a few times a month. Im thinking its XXXX profiling on behalf 9f this company. Been having issues with them for years now.

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: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
The FTC reached an agreement with XXXX on financial penalties for violation of a court order. 

I received a letter from PayPall advising me of the agreement and asking me to claim using a PayPal account. I do not have one. I attempted to set one up and ran into multiple problems. Ex. It would not work with a major US bank, a major XXXX bank, and a minor XXXX bank. It wanted me to give PayPal unlimited access to my accounts with the right to withdraw funds. I would never give anyone that right. I deleted the banking information as it would not allow me to set up the links. 

When calling PayPal, I found out that they kept my bank details despite my deletion of the accounts that I tried to link. 

This is a serious fraudulent practice on their part. 

Additionally, they lied numerous times about my options and said I could only access my funds by setting up a PayPal account. 

I also found out that they now charge a fee for inactive accounts. So they are forcing people to get an account and to give access to their bank accounts and then start charging when you dont use their services regularly. 

I am shocked that the US FTC would use a company like PayPal. I spent hours on the phone with PayPal trying to resolve with zero success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: RI
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 number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further  unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was looking at my credit report and I noticed there was a car loan that was closed and never been paid this was very heartbreaking to see knowing that I have never had any type of car loans in my life and the only credit report that it showing on is my XXXX this is not showing on any other report now that I investigate deeply I am seeing a lot of things on my report that is fraudulent and as a result in identity theft I have communicated with the Creditor Westlake Financial to take this off my credit they said they will try to put a request in the address they have is not the same address is on file where I live at please have them remove this fraudulent activity off my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CULLEN/FROST BANKERS, 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with Frost Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, Frost Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation