BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax has been hacked and my information has been compromised. I do n't want to apply for their credit monitoring service because it will make me opt out of any class-action lawsuit or other means of holding them responsible for any damage in the future. I tried to use the free yearly credit report from the government XXXX XXXX XXXX and I was unable to access my report for Equifax, and instead have to mail in a request which is inconvenient. 

I also have to pay money to freeze my credit reports with all three major monitoring services, when this is entirely Equifax 's fault and therefore their responsibility. Having to freeze my credit and then thaw it whenever I need to use it is another inconvenience which is entirely Equifax 's fault. 

Equifax should be able to provide my free credit report online like the other monitoring services were able to do, and they should be monitoring my credit for any suspicious activity, free of charge and without having to sign an arbitration clause or class action waiver. 

They are responsible for any potential identity theft or fraud using my name or likeness and should be taking more responsibility to protect consumers who have had their personal information stolen.

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:
Equifax failed to properly secure my personal information leading to a public realease of my personal information without my consent. High ranking members then sold off stock before releasing news of the improper release of data, which is illegal insider trading and fraud. I 'm now highly vulnerable to credit fraud and my score seems way too low on XXXX XXXX. I want Equifax to send me all information and reports it has related to me, including credit, background, licensing etc, any service they provide in any industry that has any data related to me. I want a full reset to a perfect credit score and 5 years of credit monitoring.

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:
According to Equifax, my information was likely compromised in a security breach. Equifax failed to protect my personal information, which may now be used to misrepresent my identity and harm my credit or incur costs to me. This has required me to pursue various means to protect my credit and identity which i would not have otherwise been required to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : I submitted a previous complaint to CFPB ( # XXXX ) which the mortgage company in question ( XXXX Loan Servicing ) responded to by providing a letter ( dated XX/XX/XXXX ) to myself, and also to CFPB under aforementioned complaint, stating that all 30-Day late reporting during Covid-19 Forbearance ( from XX/XX/XXXX through XXXX XXXX months ) would be corrected/amended to show as current. That is, the 30-Day lates between this time would be removed from my credit reports. The letter also stated they would notify all Credit Bureau 's to inform them of the correction. On the following dates I initiated disputes with the Credit Bureau 's to update their records to remove the late reporting : Equifax ( XX/XX/XXXX, Dispute No. XXXX ) ; XXXX ( XX/XX/XXXX, Report No. XXXX ) ; and XXXX ( I could not login to their dispute website and the dispute hotline kept booting me off XXXX. I also spoke to XXXX Customer Service Rep, XXXX XXXX, on or around XX/XX/XXXX, and she advised I initiate disputes with each Credit Bureau if credit report was not updated after 45-60 days of date of letter of XX/XX/XXXX. We are now on XX/XX/XXXX, 77 days after, and all credit reports have not updated my account information to remove the 30-day late 's being mentioned here. Due to this, I still can not apply to refinance my home in hopes of lower my payment, and take advantage of low rates. Please assist as I feel I can not get things resolved with Credit Bureau 's, or if my loan servicer has not reached out to Credit Bureau 's to correct this.

Your assistance will be much appreciated.

Sincerly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Porsche Financial Services, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX porsche of XXXX XXXX is in violation of every XXXX and XXXX law not having sign documents telling me i cant cancel products

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Bass & Associates, P.C., Attorneys at Law
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Bass & Associates, P.C. is refusing to provide the original promissory notes as requested by me along with the back side of the note. Ive sent them several letters which includes Notice of Rescission, Breach of Agreement, etc. They only send back a generic typed letter never giving me responses to my letters. According to the Federal Trade Commission its unlawful to furnish certain deceptive forms and Bass & Associates isnt following protocol by law. Ive included all of the letters Ive sent them thus far along with the latest response from them stating I cant get my original promissory notes which is against the law. There is no way for me to know the documents they send me are in fact original unless I can get an original promissory note. I rescind all contracts USC Article 1, Section 10, UCC 1-308

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this complaint today to inform the CFPB as well as the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent items on my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX Balance - XXXX Balance - Medical XXXX Balance {$50.00} Bankruptcy XXXX XXXX-discharged Filed on XX/XX/XXXX Reference number : XXXX Court : US BKPT CT XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4business days after the date of receipt.

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: Skrill USA, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received a total of XXXX on my XXXXkrill account. They have restricted my account for no reason ( I've had the accout for awhile but just recently started to use it ) and I have accumlated this balance. I've verified my account and I have the transactions to prove my purchases. All I ask is that that I receive my balance and they can close my account.

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:
My personal information may have been leaked by the Equifax cybersecurity incident on XX/XX/XXXX ( https : //www.equifaxsecurity2017.com/XXXX ) which was reported to the public on XX/XX/XXXX. Their website confirms that my information may be have been compromised ( https : //www.equifaxsecurity2017.com/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX, I am who I say I am. First I want to start off by saying there is no such thing as a " loan '' so that is already false and misleading pursuant to 15 usc 1611. I have already reached out to Santander Consumer USA on several occasions and have proof in the attachments that I will provide. They already have received my cease and desist and have continued to violate it by not giving me the specified remedy within the cease and desist which I know that I am entitled to pursuant to 15 usc 1692c ( c ) ( 2 ) because I am the consumer, original creditor and the natural person pursuant to 15 usc 1692a ( 3 ). I have also sent them 2 separate affidavits of truth which they have ignored and not replied to. within the attachments you will see that Santander Consumer USA continuously and deliberately violate my federally protected consumer rights and currently owe me {$85000.00} usd for each of these individual actions against me pursuant to 15 usc 1692k. I have used exhibits ( which will be attached ) to show PROOF that they are deliberately violating my federally protected consumer rights and I am reaching out o the CFPB to help me receive the remedy that I am entitled to as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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:
Im submitting this complaint today to inform the CFPB as well as the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent items on my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX XXXX - XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance - XXXX Balance - Medical XXXX Balance {$50.00} Bankruptcy XXXX  XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4business days after the date of receipt.

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

Complaint:
Equifax was hacked XXXX XXXX leaking the personal details of more than 140 million users of which I was included. Equifax waited months before reporting this while executives dumped stock. Equifax is only offering a single year of credit protection servers from a company they own. In order to use this, you sign away your rights to sue them. All of this is wrong.

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

Complaint:
My personal information was compromised because of Equifax and their incompetence. Upon learning that my information might be compromised, Equifax made no attempts to contact me. I had to find out from an online non related source that my information was possibly compromised. So the date that I found out is XXXX/XXXX/XXXX, but the date of the breach is unknown to me. Now I have to monitor and possibly freeze my credit. I can anticipate having my identity stolen and the pain that comes with they. All thanks to Equifax being incompetent, lazy, and criminally negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-02-10
Company: CITIBANK, N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Sir, On XXXX XXXX XXXX XXXX XXXX, while trying to access XXXX XXXX, a QR code appeared on the TV screen ( Ax : 1 ) to scan it for access. After a couple of attempts, a telephone number floated across the screen to call for further help and that eventually led to my identity theft with two unauthorized transactions appearing on my XXXX store card and Citi-Costco XXXX  card statement of {$100.00} value each. I had reported the scam to these institutions and following a thorough investigation, the money was credited back to my account. Since then I took steps to prevent further abuse of my identity by enabling dual authentication and changed my user-id, password. Got my laptop cleaned, reported the incidents to CRAs and various institutions on ID theft alert. After these events, I became extremely careful and diligently checked all bank checking and credit card transactions regularly. 

ON XX/XX/XXXX while waiting at XXXX XXXX XXXX for my appointment, got two XXXX notifications to respond yes/no to a request by XXXX XXXX for payment from CITIBANK. I responded accordingly having never met a person with such a name. This was followed within the hour by another two notification from XXXX  XXXX XXXX for XXXX payment. Suspecting foul play I reported the matter to both the institutions immediately. Also notified institutions ( XXXX, XXXX ), reported online to XXXX  ( ref.. # XXXX on XXXX ) and filed police complaint. Since then my dispute with XXXX XXXX  XXXX has been resolved and debt recredited. Citibank however refuses my claim despite four appeals responding each time with a standard reply " XXXX claim reviewed by Fraud and DENIED due to no fraud found. Claim lacks credibility. '' CITIBANK N.A. 

XXXX XXXX XXXX XXXX Debit Pay {$350.00} XXXX XXXX Disputed Under Appeal XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX Disputed Under Appeal XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$340.00} XXXX XXXX DISPUTE RESOLVED XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX had BLOCKED Transaction XXXX had immediately gone into action based on my complaint and was able to block the second transaction of {$94000.00} and had honored my claim of {$340.00}. Citibank has however failed to diligently investigate and come to a logical conclusion. They insist that the device used was mine and therefore my claim lacks credibility. Citibank is doubting my integrity despite banking with them for more than 20 years and as you can see from the above that though the MO was the same with both the banks apparently executed by the same person, the banks came to different conclusion. 

I therefore request you and your team to diligently investigate the matter and come to a logical conclusion. Documents supporting the above statements are attached. 
Regards

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 2022-02-10
Company: REGIONS FINANCIAL CORPORATION
State: AZ
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:
On XX/XX/2022 I mailed in a form canceling a product post dated within XXXX hours of signing the form as required by AZ state law. I also notified the representative that I dealt with via text and every agent that visited my home afterward that this plan had been canceled. On XX/XX/2022 an account was opened on my credit report for XXXX without my consent, after I had already canceled the plan. No work has been done, no audits were completed and no permits were filed and yet they opened up an account in my name.

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 2022-07-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, it seems as if the are evaluation of the FCRA and the FTC. I sent a statement ftc report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX  {$380.00} XXXX XXXX {$810.00} XXXX XXXX  {$1200.00} XXXX XXXXXXXX  {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney generals office and seeking to get a legal counsel XXXX XXXX XXXX XXXX XXXX XXXX All of the following names are fraudulent and needs to be removed. 
Please see attached FTC report and proof of identity thank you

Company response to consumer: Closed with explanation