BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Summary : Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.Criminals took advantage of a " U.S. website application vulnerability to  gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
How it relates to me : I used the site www.equifaxsecurity2017.com to check if I had potential impact. I did not sign up for their credit monitoring service following the check. I got the notification that " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident ... '' which means my information was indeed stolen. This is a violation of my credit report data because Equifax stored my data improperly, resulting in the ability for the hackers to steal it. As far as I can tell, my ( and others ) data was stored in plain text and not encrypted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
n accordance with the Fair Credit Reporting act XXXX Accounts #, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, 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 2017-09-08
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:
I am listed as a potential victim of identity theft in the Equifax breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Early XXXX XXXX  has not call back they dont respond I have problem with XXXX  XXXX XXXX that was fraudulent I have a ftc report and police report they did not co operate or abide by the rule of the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: SYNCHRONY FINANCIAL
State: MA
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 was listed as an Authorized User on a Sync Bank/Sams Club Master Card. It is showing up on my credit report and is preventing me from refinancing my home due to divorce. This card is in my wife 's name and under her SS #. I want it removed from my report. 
I have contacted XXXX to resolve this matter. ( XX/XX/31 ) They are filing a dispute but they also say that only the primary card holder can have me removed. 
Please help. 
Thank you.

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 2017-09-08
Company: EQUIFAX, INC.
State: MN
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: Problem with product or service terms changing

Complaint:
Equifax. 
Friday XXXX XXXX, 2017, upon reading the news of a massive data security breach at Equifax, I went to verify whether my personal credit information may have been compromised like that of so many others. Without enrolling in any sort of program ( in order to avoid waiving any legal rights ), I checked my situation through their security page and found that indeed my information and credit may be in trouble as a result of Equifax 's inadequate security. I then went ahead and submitted a 90-day credit alert request through their site to be submitted to each reporting agency. That is all for now.

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 personal information has been leaked in the Equifax data breach, according to their website. It is unacceptable that a company of this size does not have proper security in place to protect consumers. Seeing in the news that their executives sold stock in the company before announcing the breach shows their real intentions are rooted merely in profit and they do n't care about consumers. This has put millions of people at risk of identity theft, including myself. 

This company should not be allowed to operate if they ca n't secure the data of consumers. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Equifax is sending me offers indicating that if I pay a monthly service fee my credit score will go up.Equifax is suggesting that I should attain mortgage information on my report to increase my score yet, Equifax in turn declines me from being approved on a mortgage then turns around and sends me an email suggesting I pay a monthly fee to raise my credit score. Isn't that bait and switch? Using my personal data, because of my Equifax report can not get a mortgage then sell me product to raise my score. 

The practice of Equifax is manipulating the consumers score to their benefit, hindering the consumer from progressing forward. The consumer will no longer move ahead to to acquiring loans, credit etc. due to the manipulation of credit reporting agencies such as Equifax. 

Equifax offers no reasonable answer or direction as to how many points were gained or lost and or why. It is to their discretion.

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 the announcement of the 2017 Equifax Data Breach on X/X/2017, I entered my information on their site and learned that my information was compromised in the breach. I have attempted to reach out to Equifax to rectify the issue, but have still not heard back. Frankly, I do not find their plan to fix the issue ( their in-house credit monitoring tool ) to be acceptable, and I do not wish to continue business with Equifax. I know this is difficult since they are one of the big three credit reporting bureaus, but I still wish to distance myself as much as possible. I have since added a 90 day security freeze on my accounts to protect against fraudulent activity until this is resolved.

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

Complaint:
I used Experian 's shady site to see if I 'm affected by their massive data breach. It seems that I am. I want to complain about the fact that it happened and that the service they 're using, if it 's even legitimate, seems to just be a way to con people into waiving their right to participate in a class-action lawsuit. 
The entire thing is ridiculous.

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 2022-07-13
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:
These accounts/inquiries are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these requests whatsoever. Please remove these alleged inquiries as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent inquiries. Please delete these alleged inquiries as they are causing a substantial amount of harm and inconvenience to me as consumer.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is about Equifax in regards to the data breach. They sold stocks before letting the public know about the data breach. They wanted to line their pockets before their stock took the plunge. 

And I checked with their website, and according to them my information might be at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account.

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 2017-09-08
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX I sent in a dispute over a public inquery that was removed years ago. All other agencies immediately corrected the issue but Equifax has ignored every single attempt to dispute it and does n't even responds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Social Finance, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ive tried to contact sofi about frozen funds in my account. All they do is give you the number for fraud prevention team, but no one ever answers or replies. It immediately goes to voicemail. Ive left over 10 voicemails in the past 2 months. Still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
I disputed this account with Equifax three times. Account number XXXX XXXX XXXX XXXX. According to the re-investigation credit report confirmation number XXXX XX/XX/2022. Once again I disputed the date of last activity the reinvestigation report and I quote has verified to our company that the date of last activity is being reported correctly. As you can see in the report, the re- investigation file that Equifax XXXX me clearly shows the date of last activity is not accurate or correct. Because there is no date of last activity on the report. So this would make it incomplete and also inaccurate which they stated it was accurate. 

Equifax continues to violate federal laws. The FCRA is very clear inaccurate incomplete information must be removed. Please remove the account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: OPORTUN FINANCIAL CORPORATION
State: AR
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 Oportun have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021 myself and son plus our dog were supposed to stay at the XXXX XXXX in XXXX XXXX CA. When we made the reservation via XXXX, we put that we needed a pet friendly hotel. When we seen that the hotel provided to us was NOT pet friendly. I reached back out to XXXX to get help resolving the issue. They called XXXX XXXX XXXX  to confirm they are not accommodating to pets. Which the hotel confirmed. XXXX was not helpful in trying to resolve the issue and unfortunately XXXX XXXX said because it was booked through a third party ( XXXX ) I needed to have them help. I contacted Chase Bank and explained the situation and that I wasnt getting help from XXXX in resolving the issue. We had to get another hotel the same night that was pet friendly. Fast forward to now XX/XX/2021 there was an over drawn amount on my account and my account was negative due to a claim reversal by chase for the the claim of {$330.00} from the XXXX XXXX claim. I submitted proof to Chase bank that we could NOT stay there and we did NOT stay there. I sent them receipts from the other hotel showing we had to purchase another hotel that would allow our dogs. Today on XX/XX/2021 I received my very much needed stimulus check. However because chase is taken a very long time to to fix my account and get the account back to good standing like it was I have now lost my entire stimulus check due to the negative balance from the claim reversal as well as an additional over draft charge. When I contacted chase today the only thing they could do is reverse the over draft charge but they told me I would have to wait to hear if my stimulus money would be reversed too. Which is completely unjust seeing as I provided proper documents showing we did NOT stay in the hotel that the claim reversal stated we stayed in. I truly feel as a consumer it not fair to us, our familys and money safety to have our funds taken while an on going investigation is happening. Nor is it fair to charge over draft fees when an account is overdrawn due to a reversal claim being investigated. We really depended on the little income we get and now {$500.00} is gone because chase  is taking its sweet time when every agent Ive spoken to has SEEN MY PROVIDED DOCUMENTS THAT SHOW WE DID NOT STAY AT THE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the pandemic, we were a couple of months behind on our mortgage due to a lack of full-time work. This eventually led to late payments and an accumulation of late fees that were overwhelming to pay off to FlagStar. After multiple attempts in refinancing our mortgage we were turned down and left to simply suffer the consequences of handling the burdening monthly payments to the best of our ability. At the moment, we still currently remain XXXX  months behind on the mortgage as we continue to climb back towards some degree of stability.

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 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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 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 Data 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX and XXXX - XXXX XXXXl XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 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 2022-07-13
Company: EQUIFAX, INC.
State: CT
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:
Equifax is reporting a different date of last activity from the other bureaus. They are reporting the date as XX/XX/XXXX while XXXX reports it as XX/XX/XXXX and XXXX reports that the date is XX/XX/XXXX. Obviously, all three bureaus are reporting incorrect information. 

Based on the date of last activity, it is apparent that Equifax illegally re-aged this account. 

Also, Equifax failed to validate this account as the last reported date is listed as XX/XX/XXXX.

Company response to consumer: Closed with explanation