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:
Equifax allowed my credit information and report to be accessed by unauthorized parties via a loophole in the computer code, enabling the system to be hacked. Furthermore, they are only offering 1 year of free credit monitoring ( using their own company, mind you ), giving the hackers only a year before they can jump in and use my information. This is incredibly unsettling as I had no choice in Equifax actually having my credit report and now I can not trust anyone with my personal information. I wo n't even talk about how it took over a month for this breach to be released to the public and I also wo n't mention how some executives sold a lot of stock worth millions between the breach and the release of the information to the press. Interesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TN
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 one of many complaints you will receive about Equifax 's security breach. I was not alerted in any fashion and only found out through word of mouth that my social security number, full address, date of birth, and possibly drivers license are compromised. Since Equifax offers a way to unfreeze credit using this information, it is impossible for me to guarantee illicit use of my information even if I employ a credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: VA
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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
I first contacted XXXX about the unauthorized inquiry. They informed me that I need to get a police report if I did not authorize the inquiry and to contact the actual company who placed the inquiry. I went to the police department and I have attached the document that I was given. I faxed over the information they requested just to be told that it was not good enough they needed an actual report. So unknowingly I called the police again and tried my best to get an " actual police report '' that they requested. Only to be told numerous times that they do not give actual police reports for this type of matter, only for car accidents. I added the card of the police officer whom made the report only to be told that they ca n't contact the police.Next I contacted Exeter Finance Corp the company who actually placed the inquiry on my credit only to be told that it was nothing that they could do because they received the authorization through XXXX XXXX XXXX even after I expressed to them that it was not me. I next tried calling XXXX XXXX XXXX multiple times leaving many messages unable to get anyone to assist me.

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My personal information has potentially been compromised due to the recent Equifax security breach. I was not informed of this breach by Equifax, and was only able to know of it due to online sources.

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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Synchrony Bank has lowered my credit limit for some untrue information they claim they received about my credit history. 
I am attaching a document from the Mortgage company that Synchrony bank claimed I have a Delinquent and Derogatory account with.

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: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
LVNV Funding LLC I received a letter from the courts of Order to default Judgment against myself & ordered to pay {$1600.00}. I was not notified or aware of a court date prior to this letter. I have a cousin that lives across the street from me home & he had noticed a man at around XXXX at night looking inside of my windows. My cousin asked the Man what he was there for & why is he looking into my house. The guy tore off a piece of paper the top corner of the paper to show why he was there & he left. I was unable to read what looked like a court document & did not think it was anything professional due to the Unprofessionalism. Sense then I have called the courts & I am now going to court. I have had a fence put up & cameras to protect myself sense.

Company response to consumer: Closed with non-monetary relief
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:
Equifax failed to take adequate measures to protect my credit report information ( social security number, date of birth, addresses, and other information ) and secure it from unauthorized access. 

Due to this egregious error on their part, my personally identifiable and credit reporting information has been stolen and disseminated to the public without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
please find attached the letter from XXXX for which they have approved of the delinquency being inaccurate and are willing to remove the negative mark from my reports XXXX and XXXX have already removed except experian, they are not cooperating, please help this inaccuracy to be deleted from experian report thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: TN
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 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Resurgent Capital Services L.P.
State: SC
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:
Ive spoken with XXXX XXXX several of times in regards to an account with XXXX XXXX that doesnt belong to me. The name on the account is different than mine and Ive sent over information to them previously advising that the last name on the account isnt mine nor have I ever had the last name of XXXX. They were supposed to remove this incorrect information off my credit a year ago and its still reporting. I do know that they are in violation of my rights per FDCPA. I am now at the point of hiring an attorney and filing a lawsuit for wrongfully reporting inaccurate information that doesnt belong to me, and theyve been giving information proving that. They have 30 days to resolve or I will be pursing with filing suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I opened Claim Number : XXXX in XXXX with Chase Bank, I needed their assistance as I was getting the run around with XXXX. XX/XX/XXXX I ordered a new laptop through XXXX third-party seller XXXX XXXX XXXX XXXX When the laptop arrived it was powered on and open, showing it had been used. The laptop cost was {$1200.00} new. Since it was powered on and used I asked XXXX to return it. XXXX said ok, sent me a label and I sent it back. To my surprise I was only refunded {$960.00} because XXXX XXXX XXXX only refunded partial and kept a restocking fee. This was not disclosed at any point. I fought with XXXX and was going in circles. I reached out to Chase. Chase disputed it and came back and stated that XXXX returned on all the money, and listed a bunch of returns from other orders. I kept trying to explain but the lady and eventually the manager would not listen. They kept saying they can't dispute again. However this is illegal, you can't sell goods as new and send used ones. I called and spoke to Chase on XXXX at XXXX CST, it was a XXXX phone call. I really want this resolved and want the XXXX back as this was not my mistake or buyers ' remorse but literally a bait and switch from this company. Chase should help protect my money coming from my banking account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have never done business with Southwest Credit Systems. They have sent me bills in the mail requesting payment and threatening me if I do not pay them. They have violated multiple FDCPA laws. 

I am demanding they stop harassing me. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692d. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692c. ( b ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 3 ) CEASE AND DESIST- Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged dept, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out balance on the account. 
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. 
Deletion from all consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: GA
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 security was breached and my personally identifiable information was stolen.

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: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax recently suffered a massive data breach and did nothing to personally notify it 's potential victims. I only found out about the incident after I saw a news article about it. Equifax 's solution is to offer a single year of free credit monitoring, but if you sign up for it, you lose your right to a class action lawsuit against the company.
I was affected by this breach and I am extremely displeased at how they are managing this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Elevate Recoveries, LLC
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ELEVATE RECO ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax was compromised and therefore my private data has been leaked onto the internet. People can now steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: TN
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 XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

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:
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. Internal Equfax executives on the other hand decided to cash out Equifax stock days before it went public, as further insult to injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
My information was mishandled by Experian, myself and millions of other people at risk by their security breach. I am listed as a potential victim according to their XXXX website, and would like a resolution.

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: ME
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 checked to see if I was on the equifaxbreach2017.com website, and I am. 
This is a gross mishandling of my information, I have placed trust in them to protect my personally identifiable information, and now I am at risk for Identity Theft a second time. The first time was through Office of Personnel Management.
This is bad news for myself and millions of other consumers. As a direct result, there should not be a fee, waiver or police report required to freeze my credit, and I should be able to choose how long I want to freeze it for. 

I found out about this breach through a third party, and find it incorrigible that not everyone will be notified or in a timely manner. 

Regards, One of 143,000,000+

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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