BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CT
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: Billing dispute for services

Complaint:
Despite learning of the massive personal data breach in XX/XX/XXXX, Equifax failed to notify the general public until this week. Using the website Equifax set up with respect to this matter, I confirmed that my personal data may have been compromised as part of this breach. As a credit monitoring service and credit reporting agency, Equifax has a fiduciary duty to protect our personal and financial data, a duty which it clearly failed to fulfill. 

From XX/XX/XXXX to XX/XX/XXXX, I subscribed to a credit monitoring service offered by Equifax. Per the billing history reflected in my Equifax account online, the total fees I paid to Equifax during that time frame were {$1100.00}. 

I have already contacted Equifax by social media channels and via their customer service portal on its website but have not yet received a response to either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Due to gross mishandling of sensitive information and a clear disregard for data security, Equifax was the target of a hack that resulted in the exfiltration of the credit data and profiles of 143 million Americans, myself included.
Equifax failed to protect my data.
Equifax waited six weeks and still failed to notify me of my involvement in the data breach.
Myself and all others affected did not have a choice whether or not our data was held by Equifax. They had a duty to protect that information, and they failed spectacularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Recently Equifax had a security breach of 143 million americans. Instead of offering to tell you if you could be effected by this they make you sign up for a protection plan which also makes you sign away your legal action to go after them for their faulty security. This is their fault and to make the people mostly effected by it sign away their rights to know if they are affected by their mistake is wrong.

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

Complaint:
Equifax mishandled my information, which puts me and countless other people at risk. According to their equifaxsecurity2017.com website I am a potential victim of the companies negligence in securing my data and reporting the breach in XX/XX/XXXX to consumers, and would like a resolution. The current " FREE '' option they are providing to protect the customers ties to it the release of my rights to hold the company liable for any damage their negligence cause to my identity or credit.

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:
S
tep 1 : What is this complaint about? Regarding recent Equifax security breach. Step 2 : What type of problem are you having? My name/SSN is on the list of potential victims impacted. Step 3 : What happened? Equifax reported " cyberattack '' /security breach. Equifax created website to check if name/SSN is or is not a potential victim. Upon checking my information comes back as potentially impacted. Step 4 : What company is this complaint about? Equifax. Step 5 : Who are the people involved? Myself ( & 143 million Americans ).

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:
I 'm writing to complain about Equifax 's egregious security breach that affected myself along with 143 million other Americans. Equifax 's own site confirmed that I was affected by this breach.
The company was aware of the breach but did not notify affected users immediately. Once they did notify the public, they took no immediate action to protect affected users.
Frankly, their whole business is about identity security, and they completely dropped the ball. They should be forced to provide identity fraud protection for every affected user indefinitely. It 's not like I can change my SSN!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: RI
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 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. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' It appears that my information was compromised per Equifax 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My acct XXXX had fraud on the acct via pin/card I kept XXXX  money into the acct as pending charges flew into the acct and I didnt want over draft fees. I contacted bank several times which stated 1hour and 45 min hold times and set up call backs which I never received finally I sat on hold until I got someone as the funds just kept coming out of the acct in several diff state locations The bank has printed three different cards with the same card number one of the cards along with the bank printed off pin they org shipped must have been stolen and used via my local oil company as it was in the glove box or a foster child there where some charges from XXXX XXXX which I told the agent that must be mine since theyre in my area and most of these charges where all over the place. But if it was a foster child or parent of one or the oil company employees they could have just as easily did transactions at the same store I typically shop at I filed a police report and the local police said theyre a not much they can do as the transactions are in several states. The bank called me up and said they will not protect me from the unauthorized charges. I should be protected from any charge that I did not do on my acct. Ive been with the bank for over a decade and Im being treated unfairly and am told to continue to ask the foster kids to own up ( if its even them ) these are gov kids, theyre on survival mode Im not going to traumatize them more then they where before they came into my life. Regardless who stole the funds I did not authorize or use the funds and need and should be protected and Im disappointed in the bank for treating a long term ah in such a manner. It does not give confidence in the bank to protect money from being used fraudulently the bank should have had fraud prevention on there own side by not mailing out multiple cards through out the years over and over with the same card info out of the blueluckily I hadnt had a problem until now but eventually it became a problem and Im not protected by the bank. Whats the point in banking if I have no protection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: GA
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 sent in my police report and my FTC affidavit to the three credit bureaus XXXX Equifax and XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also has has all these names on the file that has nothing to do with me XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX, XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Paid last month of rent at apartment complex and moved out, debt collection agency took over fees I did not know about and placed {$12000.00} in collections on my credit report without any written notice or validation of debt. Company is named Hunter Warfield and has harassed with phone calls which I would not answer unknowing if it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. 

DISCOVER PERSONAL LO XXXX I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are claiming this fraudulent account is mine. I have never had any goods or services with them or them they are knowingly and willingly reporting this fraud. They are also aware that my banking account was comprised and it was close due to fraud. They have caused me great damage and embarrassment also with emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not apply for credit with these companies and I do not know about theses inquiries on my credit report. In accordance with the Fair Credit Reporting Act ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 620 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 an account without my written instructions.

Responsibilities of Furnishers of Information To Consumer Reporting Agencies [ 15 U.S.C. 1681 Section 623 Section 2 ] ( a ) Duty of Furnishers of Information To Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: IL
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 719XXXXXXXX  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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-01-19
Company: FUTURE FINANCE COMPANY
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I purchased a vehicle from Future Finance on XXXX on XX/XX/XXXX and also signed a Wage Assignment at that time. A week after purchasing the vehicle I began to have problems with it. It was a lemon. I contacted the finance company and ever since I had been trying to work with them on getting rid of the vehicle. The dealer went bankrupt shortly after we purchased the car. In XXXX I asked for the finance company to please take the vehicle back as it was costing me too much money to repair. At that point they took the vehicle and I began to make payments of {$150.00} a month to try to pay off any debt owed. In XX/XX/XXXX the finance company decided to send ( email ) : not by certified or registered mail : an expired wage garnishment to my employer. They embarrassed me at my work place while illegally attempting to garnish my wages, my rights as a consumer were violated. I notified the company of this and when I demanded for them to provide me with supporting documents of what I supposedly owe, I never received a response. At this point On Friday, XX/XX/XXXX I was contacted by an attorney who served me with a summons to appear in court. I contacted their attorney and told them of the issues with future finance and his response was that, " that happened before it arrived on my desk '' as if to brush off the fact that my rights were violated and they are still trying to pursue this in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
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: Account status incorrect

Complaint:
Transunion continues to report Department of Treasury account XXXX as derogatory. This account is part of a discharged bankruptcy ( 2015 ). 

***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. *** Transunion is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Transunion. 

I am requesting that Transunion CEASE and DESIST their negative reporting of this Department of Treasury 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: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Based on our research, We have notice that we have numberous of violation pending against our previous mortgage loan company ( XXXX/XXXX XXXX XXXX ) at the time we refinance, which is Preditory lending, Truth n Lending, RESPA. However we later discover a alleged third party debt collector, who acting as a lender ( Select Portfolio Servicing ). We filled that the third party debt collector needs to be investigated more thoroughly and the reason for inflation and increase of the alleged third party debt. We also received numberous of Foreclosure attorney Mill/Substitute trustee  letters ( XXXX XXXX XXXX ) in acting as debt collector on behalf of Select Portfolio Servicing ) in  violation of FDPCA. We recent applied for the modification to avoid the foreclosure sale and we receive 2 notification letters, one letter stated that SPS receive the modification and that it was under review and they 30 days for response. the letter was dated XX/XX/XXXX. 2nd letter dated XX/XX/XXXX from SPS as well stating they going to start foreclosure proceeding within 20 business days,  another letter was follow stating the loan was purchase by Foreclosure Mill ( XXXX XXXX ) at the foreclosure auction on XX/XX/XXXX, which is not a full 20 business days. I 'm legal XXXX and was sick at that particular time frame.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
My credit information held by Equifax has been breached. My identity, and subsequently my credit, is now compromised. From Equifax : " On XX/XX/XXXX, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. Upon discovery, we acted immediately to stop the intrusion. The company promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX. ''

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:
As part of the hack of Equifax, my personal information had been stolen. Unlike other hacks such as XXXX, and XXXX, Equifax is not a company I can choose not to share my information with. If I want credit, which is necessary these days, then they have to have my information. If they can not protect the personal information of people that are REQUIRED to use their services, then what are they doing being in business?

Company response to consumer: Closed with explanation