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

Complaint:
My information was stolen in the Equifax security breach that occurred XXXX-XXXX 2017. I was not informed of this breach until early XX/XX/XXXX, and had to find out via website set up by Equifax rather than being notified of this directly ( www.equifaxsecurity2017.com ). Having to check via the website would not be as much of an issue if the website ITSELF was n't unsecured. It is a stock XXXX  installation ( definitely not high enough grade of security ) with a TLS certificate that did not provide proper revocation checks. The domain name was n't even originally registered to Equifax. The website was even flagged by XXXX ( owned by XXXX ) as being a suspected phishing threat because it is so insecure! 

So in order to find out if my information was stolen, I have to supply personal information to an insecure website set up by the very company whose insecure practices led to my information being stolen in the first place. 

Finally -- I have set up security freezes on all my credit reports. But I had to pay Equifax for the security freeze I need due to Equifax ITSELF losing my information. Furthermore, while I was issued the PIN, anyone who has my stolen information could call Equifax and claim they lost it because one can get the security freeze on my Equifax report lifted without the PIN using the very information stolen from Equifax. 

Essentially, Equifax has not only enabled my information to be stolen, but its procedures for dealing with the issue are themselves compromised by more examples of Equifax 's poor security practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IN
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. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Today XXXX I found out that Equifax info was stolen over a month ago and they are just now telling consumers. It is unacceptable that Equifax waited for over a month before notifying the public that this happened. 

I followed the link provided by Equifax and by submitting my info, found out that yes, my info was potentially exposed. Equifax told me to return to the website on XXXX to provide more info. They also told me to remember that date, because they would not be sending me any reminders. 

My complaint is this. 
1 ) why is the onus on me the consumer to look up and see if I am affected? They already know who is affected and they should act on that info 2 ) now that I know I 'm affected, why do I have to initiate anything? They should automatically turn on whatever free credit monitoring service that are offering 3 ) why do I the consumer have to remember to go back to their website to complete the process? 

All of this should be taken care of by them, Equifax, without me having to ask, without me having to remember, without me having to complete a multi part process. 

Thank you

Company response to consumer: Closed with explanation
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:
Equifax did n't properly secure sensitive data of unconsenting adults.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CITI BANK DECREASED MY CREDIT LIMIT FROM XXXX TO XXXX XX/XX/2022. STATING THE REASON FOR DECREASE WAS DUE TO INFORMATION OBTAINED FROM MY XXXX CREDIT REPORT, BALANCE INCREASING ON ONE OR MORE ACCOUNTS WITH THEM ( ONLY ONE ACTIVE ACOUNT WITH THIS COMPANY ) AND MISSED PAYMENTS WHICH IS NOT ACCURATE I HAVE NO LATE PAYMENTS AND NEVER MISSED A PAYMENT. I SPOKE TO SEVERAL PEOPLE FROM CITI BANK MOST SAID WAIT FOR A LETTER, ANOTHER REP WITH CITI BANK TRIED TO REINSTATE MY CREDIT LIMIT RECIEIVED A LETTER AND I WAS DENIED, ANOTHER REP TOLD ME TO CALL XXXX I DID THAT AND THEY SAY THEY SAW NOTHING WRONG WITH MY ACCOUNT. MY CREDIT HAS SINCE DROPPED XXXX POINTS AND I HAVE OBTAINED A CREDIT REPORT WITH XXXX. YES I DO USE THIS CARD AND HAVE A BALANCE.

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 2022-02-09
Company: EQUIFAX, INC.
State: VA
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:
I ordered a copy of my three credit reports and found erroneous information on all three. Inaccurate information is being used to negatively affect me in the course of seeking funding for my small business. In XX/XX/XXXX and XXXX of XXXX i sought business line of credit from various entities and was denied. Upon receiving the reasons for denial personal credit was sighted as the significant cause. Upon reviewing my credit i realized that dated information from over 10years ago was reflected on my report, the sum of which was being used to evaluate my credit worthiness. My personal information included data from others i shared similar background information with, making it harder for me to be evaluated singularly on my merits. 
I seek assistance in having this information corrected and have contacted all three agencies to remove the outdated, erroneous and negative data from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Winklevoss Exchange LLC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Gemini Trust Company , LLC XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NY, XXXX United States Phone : ( XXXX ) XXXX This company FROZE my account for no good reason and now will not UN -Freeze the account it has been XXXX  days now and I can not get my money out. 
I sent all the necessary proof of ownership to the account but to no avail. 
After reading MANY posts on this Company its quite common for them to NOT verify or Un Freeze accounts for no reasons. Just get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries that I didn't authorize from XXXX XXXX and Car dealers. They are listed on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Tried calling and was hung up on, then calling back and always on hold waiting. Capital one # XXXX XXXX I did not inquire for anything or anyone to Capital one. Hard inquiry on my credit report.

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

Complaint:
I heard about the Equifax hack and was immediately worried. Today, XX/XX/XXXX I checked with Equifax 's new site used for people to see if they are impacted by the recent Equifax hack. I have confirmed that I am affected by the Equifax hack. 

I have not received any notification from Equifax and I find it absurd that I had to hear about this on the news. Now, I can not view my credit report as the service is not able to pull my credit report. I can not see if there have been any credit fraud.

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

Complaint:
Equifax had poor security practices and allowed an unknown amount of information about me to be stolen sometime in XX/XX/XXXX-XX/XX/XXXX. This breach affected 143 million people, and was discovered by Equifax at the end of XX/XX/XXXX. However, they neglected to notify the public until early XX/XX/XXXX.

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

Complaint:
I received notification on XXXX XXXX 2017 that Equifax was hacked.
I accessed their webpage XXXX XXXX XXXX and was notified that my information may have been affected by this hack.

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

Complaint:
Identity has been compromised. Should have mandatory fraud protection from equifax because of this. Every vital piece of information regarding my identity has been breached. that is very unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Navient Solutions, LLC.
State: AK
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 submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to NAVIENT was discharged. NAVIENT was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX for " collection '', which is totally ILLEGAL! Now, both XXXX AND NAVIENT are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 

PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Atlantic Credit & Finance, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recieved a letter stating that i owe this debt i called .the people at the agency kept transferring to different departments when i did get a whole of someone im telling them i paid this .they were rude saying i need to pay i told them i have proof. The lady said with a attitude well its not my debt. After i tried and tried to reach out no answer. Im very upset because i settle this through a settlement with 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 2021-08-25
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX - Purchased a XXXX XXXX at XXXX XXXX  XXXX dealership in XXXX, WI Put money down and came back to Illinois and financed it through XXXX XXXX XXXX out of XXXX XXXX, IL Paid it off on XX/XX/XXXX The vehicle is in my late husband 's name so he just passed away the first week of XXXX so I went to the DMV in XXXX, IL to have my name put on the title and was told that their was a lien on it from a bank in XXXX, OH. ( XXXX XXXX XXXXXXXX  ). So I called them and found out that bank was bought out by Huntington Bank in XXXX, OH. 

XX/XX/XXXX - called Huntington Bank spoke w/XXXX  the created a case # XXXX. Told me I would hear something from them in 3 to 4 weeks. I never got a call back. 

XX/XX/XXXX - called Huntington Bank spoke w/XXXX  she told me the Lien letter would be sent out on XX/XX/XXXX. Never received it. 

XX/XX/XXXX - called Huntington Bank spoke w/XXXX  she told me it would be mailed out next week but talking to her she gave me the impression she was just saying that because as we spoke she was totally confused as to what I needed. I asked her to overnight it to me and she said she will ask them to do that. 

Now, here 's what I did concerning my credit union ( XXXX XXXX XXXX ). 
XX/XX/XXXX - called and spoke with XXXX and she said she will look into it and get back to me in 7 to 10 days. ( I received no call back ) XX/XX/XXXX - called and spoke with XXXX and told me the vehicle was not registered in the DMV in Illinois and I told her it was XXXX. She said I will hear back in 2 weeks. ( I did not receive a call ) XX/XX/XXXX - called again and spoke with XXXX XXXX. She told me I would receive a letter stating that their was no lien on the vehicle. I received the letter yesterday ( XX/XX/XXXX ) but that won't do any good because it says XXXX releases all interest but I need the one from Huntington and I felt that since I paid it off through XXXX they should have given us a title. 

XX/XX/XXXX - I called and spoke w/XXXX  and XXXX and explained that I needed help in getting the title but most of all the lien removed and I felt they should help since I financed it through them. 

The Wisconsin DMV shows that XXXX XXXX XXXX was the lien holder but the Illinois DMV says XXXX XXXX XXXXXXXX  ( Huntington Bank ) is the lien holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: OneMain Finance Corporation
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested and was granted by Onemain Financial a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX of 2022. On two different occasions Onemain Financial reported me late to the credit bureaus adversely affecting my credit. Onemain Financial was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. Onemain Financial failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company charging me a debit that is not mines and it's showing up in my credit report i have no knowledge of this account this is not mines where it says customer name that is not my name customer signature that is not my signature i dispute it with experian results came back accurate still no contract with convergent outsourcing i asked for a sign contract with my name instead i received a bill for XXXX nothing else date XX/XX/XXXX that  is not a validation it was removed from my credit report XX/XX/XXXX and then again it was reported again with a different collection agency which is convergent outsourcing my son 's and mines document was stolen in north Carolina in XX/XX/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 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Using the information at https : //www.equifaxsecurity2017.com, I determined that my personal information ( including name, date of birth, address, and social security number ) was likely leaked in a recent security breach ( XX/XX/XXXX-XX/XX/XXXX ) on Equifax, Inc. 's systems. Equifax is entrusted with highly personal information by major financial institutions and millions of Americans who use credit. Their greatest responsibility is safeguarding and handling this information properly, which, as this instance demonstrates, they have clearly not upheld.
Because of Equifax 's negligence, myself and millions of other Americans will be at constant risk for identity theft for the foreseeable future, and perhaps the rest of our lives. Equifax has offered free TrustedID credit monitoring to those affected, but use of those services requires users to waive their rights to legal class action, which is truly an unfair ask in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-09
Company: Experian Information Solutions Inc.
State: VA
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:
I ordered a copy of my three credit reports and found erroneous information on all three. Inaccurate information is being used to negatively affect me in the course of seeking funding for my small business. In XX/XX/XXXX and XXXX of XXXX i sought business line of credit from various entities and was denied. Upon receiving the reasons for denial personal credit was sighted as the significant cause. Upon reviewing my credit i realized that dated information from over 10years ago was reflected on my report, the sum of which was being used to evaluate my credit worthiness. My personal information included data from others i shared similar background information with, making it harder for me to be evaluated singularly on my merits. 
I seek assistance in having this information corrected and have contacted all three agencies to remove the outdated, erroneous and negative data 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 explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax did not take proper precautions to safeguard sensitive data on their servers and lost it and as part of the breach want me to sign a arbitration clause for them to do anything about it even though they made the mistake. It is unacceptable for the company to require an arbitration clause for any remediation of the issue they created

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief