BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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 improperly divulged without my consent. I was affected by a cybersecurity breach, which equifax should have been responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Home Loan Center, 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 a plethora of unauthorized inquires hard and soft from this agency. Dates starting XXXX, there are multiple that were done just in one month. I have several dating back from XXXX even XXXX These inquires were not authorized or verified to be authourized by me especially the ridiculous amount of times it was inquired. These inquires whether hard are soft are damaging to my credit profile while being inaccurate and unauthorized. I was not made aware even by two of the three bureaus whom has the most from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions 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:
XXXX has been compiling, storing, and selling my personal information without my permission. Recently the company experienced a security breach where personal financial information was stolen, including my own. This fact was verified through XXXX. This makes the likelihood of identity theft unacceptably high.

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: WI
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 identified a cybersecurity incident on XXXX XXXX, XXXX. The information about the breach was not publicized via a press release until XXXX XXXX, XXXX. 

This breach contained names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers.

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:
On XXXX XXXX, 2017, it was announced that Equifax was the victim of a massive hack due to vulnerabilities in its system. My information was among millions of SSNs, DOBs, names, and even DL numbers obtained and now likely being traded online. Moreover, it has also widely been reported that several Equifax executives sold a large portion of stock prior to the announcement, having already sat on the news for more than a month after the hack was discovered. This reeks of insider trading and maliciousness. Finally, when I went to Equifax to resolve the issue, I was not only waitlisted to receive a woefully insufficient period of credit monitoring ( 1 year ) given the circumstances, I was also informed by its Terms of Service that taking part would prohibit me in taking legal action in the future should my identity be stolen.

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:
My information was compromised in the data breach reported today XXXX/XXXX/2017. The data security at Equifax should have been much more secure, and the executives selling stock before releasing this information to the public seems to me like blatant insider trading.

Company response to consumer: Closed with explanation
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:
My SS #, birth date, address Driver 's License number and other confidential information was stolen in the recent Equifax security breach. I used the following website provided by Equifax to determine if my information was stolen, www.equifaxsecurity2017.com.
I will be filing a police report and a 90 day fraud alert on my file. I will also freeze my files w/all three bureaus and file a XXXX to the IRS. 

Please help me resolve this problem. A crime has been committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 four accounts for Radius Global Solutions appeared on my XXXX  credit profile that appears to be duplicated with no account numbers. The amounts in question are for {$1500.00}, {$1500.00}, {$110.00}, and {$110.00} l have no knowledge of these debts and want them removed from my credit profile by this company 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 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax had a security breach back in XX/XX/XXXX in which 160 million people 's personal information, ranging from addresses, drivers licenses, and social security numbers, was stolen. They did nothing to notify those people until XX/XX/XXXX. According to their own website it is likely that my information was stolen.
The only fix Equifax has offered is a year 's worth of identity protection if I waive my rights to sue them in court. Their service means nothing to me when they ca n't protect their own data why would I trust them to protect it now?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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 I became aware that Equifax was hacked, and sensitive consumer account information was stolen. Upon learning this I went to www.equifaxsecurity2017.com to see if my account was impacted, and discovered that it was. I immediately called XXXX to place an initial 90-day fraud alert on my account. I then requested my annual free credit report to determine if there was any information that I should dispute. There was not, and I also took the opportunity to file the same fraud alert on that website in addition to filing the alert with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX COLONY XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it XXXX Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX. Box XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Dc XXXX from XXXX XXXX, XXXX XXXX Wire Inquiry from XXXX XXXX, XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX COLONY XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NM
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:
Upon entering required information into the web form on Equifax 's site ( https : //www.equifaxsecurity2017.comXXXX ) in order to determine if my personal information ( including my birth date, social security number, etc. ) was stolen by the massive hack that allowed the stealing of about 143 million U.S. customers of the credit reporting agency, the below message was displayed : " Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am extremely worried about what will be done with my personal information that was stolen. 

I have since placed an initial 90 day fraud alert on my file, today ( X/X/2017 at approximately XXXX XXXX  MST.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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 allowed it 's database to be breached and my personal information which may have included my name, Social Security number, birth date, addresses and drivers license numbers and/or Credit card numbers. The unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017. As of now no accounts have been fraudulently opened in my name as far as I can tell.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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 went to Apply for a car they told me they were only going to run my credit through one financial service. They lied I did not find out until a year later they ran my credit through several financial institutions. These are the institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In early XXXX US Bank stopped sending me bank statements. Initially I was alarmed because I thought they had been taken from my mailbox. Later I noticed that emails were being sent directing me to statements on line ; I do NOT want this information sent electronically. XX/XX/XXXX I applied for a mortgage and needed statements which I couldn't get from the on line link. Drove to the bank in XXXX XXXX, MN, where I noticed 4 employees in the teller area ; I was the only customer. Requested my statements from the teller. Couldn't do that- the teller called another person, a Mr XXXX XXXX who told me to make an appointment to get statements. I said I'd been banking at US Bank for 40 years, was a former employee ( top production person and helped establish the mortgage company now US Bank XXXX XXXX XXXX and I had never asked for my paper statements to be discontinue and wanted to get them. XXXX replied that was of no consequence, make an appointment and pay {$6.00} per statement per month. REALLY? I never felt getting an accounting of what was going on with my money was a favor or that I needed to pay to get that information. Although I didn't demand immediate results, I found this alarming in that there was no apparent reason I couldn't obtain this information being outnumber XXXX to XXXX by employees. Now I am going to be taking more time off work to go back to the bank obtain information that should be readily available to me. Was told to bring in my computer ( I actually did make an appointment regarding bank bill paying, took time off work and dragged my computer to the bank in the middle of the pandemic and was stood up for the appointment. Not doing that again. ) Don't want statements on line anyhow. This problem is unresolved.

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: 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:
This is in regards to the Equifax breach. Personally, I think it 's disgraceful that the executives at Equifax felt obliged to sell shares of their company before going public with this news, a clear-cut case of insider trading. 

This will go down as the largest and most severe consumer personal information breach in history do far, and agencies in which consumers have no choice in sharing their information with should be held to significantly higher standards in regards to privacy and information security.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
The account is close but and not mine and still on my report and I need it removed and I also have inquiries.

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: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I submitted a loan application to Rocket Mortgage to refinance my property. All documentation requirements were met within 10 days based on the documents that were listed at Rocket Mortgages online portal. My credit score is over 715 at all three credit bureaus. I've had over 8 mortgages in the past 20 years and they were all paid as agreed without issues. 

The matter of child support arrears and unknown issues such as the possible existence of alimony stemming from my XXXX divorce was raised ( on the phone only ) as the only areas of risk. Rocket Mortgage requires any such debts to be paid off similar to existing mortgages on a subject property EVEN IF THERE ARE NO LIENS. 

On the matter of child support, I provided an order from the Court terminating monthly child support payments effective XX/XX/XXXX. At the time of the loan application, I had a balance of approximately {$11000.00}. 

On XX/XX/XXXX, the Title Review and Appraisal were completed with no issues that would prevent loan approval. THERE WERE NO LIENS ON THE PROPERTY. 

On XX/XX/XXXX, I spoke to the loan officer and was informed that the primary reason for cancellation is my unwillingness to provide Rocket Mortgage with a copy of my XXXX Divorce Degree for the purposes of establishing whether I owe alimony to my ex-wife or any other divorce-related debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: DE
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 'm filing a complaint about the data breach from Equifax. I heard about it on XXXX XXXX, 2017 and  have found that my information is at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PA
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, a company which I 've never willingly shared information, has compromised my SSN and other personal info, and hid this for at least a month. This is unacceptable : I now have to spend the rest of my life worried about my life being ruined because of these bags of filth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: AL
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, please remove these fraudulent accounts from my credit report. I never authorized any off these accounts, I am a victim of fraud and these accounts on my credit report are further victimizing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CCS Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt to XXXX XXXX in the amount of {$520.00}. The amount was sent to Credit Collection Services. Upon settling the debt yesterday, the amount was taken from my account, and the agency did not give me a receipt. I was able to take a screenshot of the account payment. XXXX has not been notified of the payment, I am concerned that this company fraudulently withdrew funds from my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
Equifax involuntarily released my, and millions of others, private information. This could potentially have a severly negative impact on my financial well being in the future since I am no longer in control of any of it. This happened in early XXXX, 2017 but could linger for years looming over me and others knowing we have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Comenity Bank left two voicemails for me today in which they claimed I owed because of a recent dental procedure I had. I have not had a recent dental procedure, outside of a cleaning which I paid for in full at the time. I called them back and spoke with 3 different people, only two of whom provided their names. One was named XXXX and one was named XXXX They both sounded like women. Neither would provide their last names. I explained the situation and was asked to verify my social security number and other confidential, personal information. I did not verify this information as I do not know who I 'm dealing with. Because I would not verify the information, I was told I was not cooperating with their attempts to help me and that I would continue to receive harassing phone calls.

Company response to consumer: Closed with non-monetary relief