BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
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:
On XXXX XXXX, 2017, Equifax reported a data breach that exposed customers ' most sensitive identity and personal financial information. Theft and misuse of this information exposes me to the grave potential now and in the future for stolen identity and financial issues, through no fault of my own actions and in direct consequence of Equifax 's failure in its duties to protect this information. 


Upon learning of this breach, I immediately went to Equifax 's " Security 2017 '' website to see if my data was compromised, as per their guidance, and received a future enrollment date for their identity theft program, indicating my personal data was indeed compromised. The security of this website, by the way, does not ensure confidence that Equifax is attempting to better protect information any more than they did in the first place. 


I have currently placed fraud alerts with all three credit bureaus, placed a XXXX freeze, continue my regular practice of daily monitor checks of my bank and credit accounts, and am considering placing credit freezes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NJ
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 divulged my personal information through the data breach to undetermined third parties without my authorization which potentially included my name, Social Security number, birth date, addresses, and driver 's license number. I confirmed this today through equifax 's website.

Company response to consumer: Closed with explanation
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:
My sensitive private information ( including SS number, DOB, name, and address ) was hacked due to Equifax 's insufficient measures taken to protect this information. I now must incur substantial fees and lost time to make sure my identity does not get stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with SOUTHWESXXXX XXXX XXXX and I do not have a contract with SOUTHWEST RECOVERY SER plus they did not provide me with the original application like I asked. 

Account number : XXXX XXXX disputed : {$58.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: PA
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 am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

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 2021-08-26
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My personal information including my name, date of birth, Social security number and possibly my drivers license number has been compromised by a cyber attack on Equifax.

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

Complaint:
Equifax 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 2023-02-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting a charged off account on my reports. I have disputed this account both with the credit bureaus as well as directly with XXXX XXXX XXXX and have yet to hear back from either of them. Furthermore, XXXX XXXX XXXX is verifying this inaccurate account with the credit bureaus and each bureau is reporting multiple inconsistencies concerning this debt such as, different account numbers, different last active dates as well as different last payment dates. How is this account able to be verified if they arent even able to reports a validate consistent information on my reports? They are in clear violation of my rights as a consumer to dispute inaccurate information from my reports as well as report inaccurate information on my credit report. I am requesting that this account is deleted from my credit reports and all documents concerning this account be mailed to my address!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, 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 information incorrect

Complaint:
MY EQUIFAX CREDIT FILE REPORTS THAT I HAVE A BALANCE OF {$8500.00} ON XXXX XXXX. I DO NOT OWE ANYTHING TO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 found fraudulent accounts that was opened on my credit report.

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 2021-08-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is an account showing on my credit file that indicates it's in dispute. I have requested several times for that verbiage to be removed. I AM NOT DISPUTING THE ACCOUNT. I called Equifax personally and they said it's not listed in dispute but when my lender spoke with the business side they said it was. I do not know which bureau is reporting this because the lender pulled a tri-merge but I need it removed ASAP. I am unable to refinance my house due to this error and if this is not resolved ASAP I will go to the States Attorney 's office to get this resolved. I am loosing so much money and this is putting a major hardship on my family

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
After learning about the XXXX Spring/Summer hack of Equifax, I took the following actions on XXXX XXXX, XXXX : Went to the Equifax website and learned that my information may have been stolen as part of the hack. 
Put a freeze on my account with Equifax, XXXX, and XXXX. 
Placed an initial 90 day fraud alert on my credit file. 

I understand that the hack is not entirely the fault of Equifax, nonetheless, I feel harmed and believe my information is now out on the internet/public and I am vulnerable to identity theft. I have taken actions listed above to mitigate the damage, but I also had to pay for the freezes on my accounts. I know I am not alone in this, and I look forward to action being taken to reconcile this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax suffered a breach of data which included a wide ranging scope of extreme PII data, including my and my partner 's SSN and DMV License Number. 

We are now going to have to militantly spend the next several years watching our credit reports to ensure that this data is not used inappropriately. 

Equifax should consider protection of this data as their primary objective, as their role in credit reporting requires them to have an ability to accurately and fairly provide credit data about those people who, whether they want to or not, must use this service to be able to access financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Receivables Performance Management, LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I received a dunning notice from Receivables Performance Manage, LLC for an outstanding balance of {$78.00} that XXXX believes I owe them, plus {$19.00} in unspecified charges. 

I do not owe this bill due to the terms of my contract with XXXX, as highlighted in the copy of the complaint that I attach ( XXXX ). 

Due to the threats by XXXX XXXX to ruin my good credit, I sent them a check for {$78.00}, the receipt of which is documented in the complaint I have with them. They have not cashed my check and it is my hope that if they do, I will be refunded {$78.00} after they review my complaint. According to your website, they have not yet reviewed the complaint. 

Now, Receivables Performance Management LLC is dunning me for the same amount plus unspecified extra charges of {$19.00} I have been unable to reach Receivables Performance Management by telephone during their specified " Open Hours '', and they have not returned my call.

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 2021-08-26
Company: RGS Financial, Inc.
State: PA
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 am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had 3 Private Student Loans Navient that were included in my Chapter XXXX Bankruptcy Case Number XXXX - The bankruptcy was discharged on X/XX/16. Navient sent a letter to my ex-husband, XXXX XXXX, stating that I was no longer responsible for the loans and they also sent me refund checks for each account for moneys that I had paid. The three credit bureaus have been reporting all three of these accounts as past due instead of showing them included in the bankruptcy. I believe XXXX and XXXX are now corrected because of a previous complaint through CFPB, however, XXXX continues to show them as past due and claims that they have confirmed with Navient that I still am responsible for the loans. I attempted to call Navient twice, however, they said they have no loans in my name and can not talk to me about the loans that are now in XXXX XXXX 's name only. I have attached documentation regarding the bankruptcy, the letters and refund documentation from Navient and my identification documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: SYNCHRONY FINANCIAL
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2021-08-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I returned my car to Nissan in XXXX. 
In XXXX of XXXX I received a bill from Nissan for the XXXX, CT local taxes related to the period of time after I had returned the vehicle Because XXXX had not filed the right paperwork to close out the account with the government, XXXX had billed the tax I contacted XXXX and was able to easily have the charges reversed, but was told that Nissan needed to request the refund. 
On XXXX I sent Nissan what they requested to process the refund On XX/XX/XXXX I confirmed with XXXX government that they had not received any request from Nissan I also contacted Nissan who said it may take several weeks for Nissan to request the refund.

At the same time, Nissan is continuing to send me letters demanding payment and has indicated they will put me in collections I do not believe it is reasonable or legal to request payment and put me in collections for a tax that is not in fact owed and is awaiting Nissans request to close out Attached is my transcript with Nissan from XX/XX/XXXX where Nissan acknowledges the key facts above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. System INC at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been reporting a collection with a past due amount of {$270.00}. I am not familiar with this company. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information which is a violation of my rights.

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 2019-11-26
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We moved to a new state and were unaware and not told about a school tax of XXXX per year. All of a sudden our proceeds check from the sale of our previous home was that much less. We also were not notified that escrow did not include ANY taxes for the next year. 3 months after obtaining the loan/moving in an escrow analysis was done and our payments are going up 33 %! It's $ XXXX per month increase we were unaware that this could even be a possibility. Escrow was to cover taxes so how is it that this is possible? No return calls from loan processor, his boss, or for the 2 messages I left for consumer affairs/complaints dep't. I already spoke with the city assessor and our tax amounts didn't change nor did the house assessment value. This is generating a severe hardship ( both situations ). We would have NEVER been approved for this mortgage had they done a proper analysis for escrow, etc.Not to mention the closing document was changed after we signed at closing. The entire process was very frustrating, difficult, not followed through with in a timely manner, and now we are stuck in a rut. How is it that this slipped by our lawyers as well as Mr Cooper 's lawyers? Is it not illegal to avoid disclosing these potential situations?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried solving this issue with Ally Financial and the three major credit reporting agencies before. XXXX has already deleted the account for violation of federal laws but XXXX and XXXX continue reporting. I am attaching the updated and new information, also : Ally financial was deleted from XXXX because in fact, they are violating federal law, by reporting negative information and treating payment as late when they cant pursuant to 15 USC 1666b. I WAS NEVER LATE. You can see the inconsistencies between the updated reports from XXXX and XXXX. 
How can both credit reporting agencies have verified and validated the information when THERE ARE SO MANY DIFFERENCES. how can a so-called late payment be late 60 days without being 30 days first, how come the same creditor provide so different information across XXXX and XXXX, yet XXXX has deleted it. They all might have different investigation processes, however, the information sent to them HAS TO BE THE SAME, OR AM I CRAZY? 
THIS NEEDS TO BE DELETED IMMEDIATELY FROM MY REPORTS. THIS IS DEFAMATION OF MY CHARACTER! 
I have requested plenty of times before for Ally financial to send me the history of payments, the ledger, EVERYTHING used to " validate '' this account, and the " accuracy '' of said payments AND I AM STILL WAITING FOR IT!!!!!!!! Everyone has wiped their XXXX XXXX with my demands, everyone is still violating the XXXX federal laws, and here I am the federally protected consumer hurting and being affected not only financially but emotionally and NO ONE DOES THE RIGHT THING, NOR WHAT IS REQUIRED BY THE LAW

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