davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MN)

I was issued a predatory loan from your bank in XXXX. Being victimized in this process my last installment was in XXXX. This was a nightmare of a time for my family because I was not given any reliable options of relief that would give me a since of stability. I was sent through multiple loan modifications, monies were taken from me without any result of resolution. Currently I find that this issue is still haunting me, and without my knowledge. Your company filed a claim with my name attached without my knowledge several years after we conducted any business, and that is unacceptable. XXXX is reporting a claimed was paid XXXX/XXXX/XXXX to your company. I called your office on yesterday and was emailed and told information conflicting with what XXXX is reporting. Your company shows that a claim was received XXXX/XXXX/XXXX and it was settled XXXX/XXXX/XXXX, this is conflicting information. The original proceedings were in XXXX. These conflicting dates shows legal remedies were not followed ad I once again victimized. I feel your company drug their feet on making this issue correct. I have being a victim of several tactics for your institution, and it is unacceptable and unlawful. This matter should have been handle in XXXX, and for what ever reason it was not. I am requesting that chase provide me documentation that relinquishes me from their mishaps, and make this issue correct with XXXX and myself.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

I believe I am a victim of the Equifax data breach on XX/XX/XXXX. As far as I know, my identity has not yet been stolen. I believe my personal data was managed poorly by Equifax and believe that they should be held accountable for any damages that may befall me due to their negligence in this data breach.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The details of the fraudulent accounts are as follows : 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 XXXX XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Equifax irresponsibly stored and lost my personal information such as my SSN, name, address, etc. Equifax lacked any substantial or modern security within their systems and stored data in an insecure location. My personal information will now circulate throughout sources on the internet for the rest of my life. Equifax has not provided me suitable protection for such a data leak, with only a single year of free fraud alert services. Data like a SSN can never be changed, making a single year of protection almost completely useless. Comprehensive fraud alert services cost at least {$20.00} a month. Going forward, I would have to invest tens of thousands of dollars for simple basic alert protection over the course of my life due to this breach.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Equifax has had a major security breach that may effect the confidentiality and security of my personal information. I have filed a 90-day fraud alert inquiry but I still feel violated that my information can be accessed this easily due to a company 's mistake.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Credit scores are very important for people that do not have a lot of money and need to get loans or move into places. So, I make sure to monitor my score and try to improve it the best I can. I trust these companies with my information and my credit reporting because I have no other choice. I live and die by these arbitrary credit scores and now my information opens me and millions of others to fraud that can prevent me from buying a house, getting an auto loan, or even loans for any children I have down the line that may want to go to college one day ( so I can help build their arbitrary credit score, much like my parents did for me ). 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. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax experienced a security breach where over 100 million people were affected. This was discovered over one month ago however they did not disclose this information to those affected. I only found out that they had been breached via news outlets.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

After CFPB resolved my complaint about XXXX, I applied for a credit card from Capital One. I was immediately notified at the end of the application that I was approved for {$30000.00} line. The card was sent to me immediately and I created user name and password. I was then told I had to call Capital One to verify the card, which I did. I was transfered to Fraud Dept and they said I had to answer questions to verify my identity. I answered several questions correctly and then the agent asked me when I had purchased property at my current address. I had this info readily available and said it was 2001. They said the answer was incorrect. I said I had previously owned a different property at the address, which I transferred, but I would have to look through my files to find the date of the purchase. They said this was not acceptable ; if I could n't answer immediately, my card would be cancelled. So in the end, I wasted several days and have no card.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (IN)

My personal information ( including my SSN, Drivers License Info, Addresses, and more ) was stolen from a hacking, and Equifax did n't tell the public about the hack until more than a month after the hacking. During this time, three Equifax executives were caught inside trading. It really shows how Equifax cares about other people!
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

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. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I am one of the many millions of Americans affected by Equifax 's massive security breach. 

Equifax tried to cover up this breach for an entire month while its leaders sold their shares of the company stock. Meanwhile, my credit card was used fraudulently. 

Equifax has not worked quickly or diligently enough to notify affected consumers, instead putting the onus on the public to check their hastily built website to see if they are affected. The onus should be on them, not us. 

Finally, said website sneaks in language in its Terms of Service to try to trick users into waiving their right to sue Equifax for their conduct in this breach, the coverup, and its aftermath. 

All of this is unconscionable and I hope the CFPB does everything possible to punish Equifax.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

On XXXX XXXX, I was informed about the security breach suffered by Equifax. Per several news articles, Equifax apparently suffered this breach in XXXX, and I was not informed by the company of this breach. I only learned about it via secondhand sharing of a news article regarding the breach. Equifax has yet to inform me of the damages suffered or the causes of the breach by any means ( physical mailing/telephone message/email ), or that it has even occurred. 

I feel that Equifax failed to perform its due diligence in keeping my records secure after I suffered a previous security breach via the IRS, and it has failed to inform affected victims of the breach in a timely manner. 

Please accept this complaint as a censure of Equifax 's operations and leadership, as news articles report several of their higher placed corporate officers stand accused of moving stock after the breach but before reporting the breach 's occurence.
Consumer complaint received 2017-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I have a first mortgage with MUFG Union Bank that I am interested in refinancing. Having locked in a bank to complete the refinance, I was asked to provide my note for the first mortgage to the new lender. Searching through my closing documents from the original purchase of my home, in XXXX of 2015, I  realized that I was never provided the original note on the loan. Calling customer service, I was told that the bank was not capable of sending me an electronic copy, and could only mail a physical version of the document after a 3-5 business day processing period. Considering this timing is delaying my refinance, I am paying higher interest to Union Bank than I would pay my new lender because of Union Bank 's policy of delaying customer document requests. After complaining via multiple avenues about the banks ' policies, I received a secure email from Union Bank that purported to attach my loan documents, but nothing was attached to the secure message. This appears to be an intentional policy of the bank to delay existing mortgagors from refinancing their homes ( the main reason a debtor would need a copy of their note ). I imagine there is a class action suit or heft regulatory action, as this policy has likely cost many many American consumers higher interest payments as a result of Union Bank 's deliberate exploitation of their consumers.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Equifax used my credit report and personal information improperly by allowing it to be released to unauthorized parties. Equifax did not perform due diligence necessary to protect my personal information. Additionally, Equifax executives reportedly used insider information of the compromise to make stock trades benefiting them personally.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX, Equifax was hacked and released the personal information of up to 143 million American citizens ( as well as some in XXXX and the XXXX apparently ). They only reported it recently, and they created a website to see if you could be one of the citizens affected by the data breach. I was informed that I may be a victim of having my date of birth, driver 's license number, social security number, possibly credit card numbers, my current address, as well as other private information, stolen by hackers. There are few options to recover from this incident and none of them are preferable. I 'll have to freeze and unfreeze my credit report constantly, dispute fraudulent uses of my information, and maintain vigilant overseeing of all of my current accounts as everything has been compromised. This information will be available to whomever can get their hands on it for the rest of my life ( and beyond ). I must worry every day about whether I 'll still have money in the bank to pay bills, or if it has been stolen to no fault of my own. Will my credit report be so damaged that I 'll be unable to obtain a car loan, mortgage, or even rent an apartment due to no fault of my own but the negligence of Equifax?
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MT)

Equifax was breached using a simple and easily patch security vulnerability. I expect someone who hordes my personal information to take security seriously and rigorously. I now have to live in fear of my identity being stolen because Equifax was irresponsible with my personal information.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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. 

Also the fact that Three Equifax Managers Sold Stock Before Cyber Hack is unbelievable and disgusting.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, 2017, Equifax revealed that they were affected by a data breach in which criminals gained access to 143 million Social Security numbers, birth dates, addresses, names, and some driver 's licenses. 

According to Equifax 's website at XXXX XXXX XXXXXXXX  my information was taken. 

Equifax exhibited extreme negligence in allowing this breach to happen since my personal information was not properly stored, secured or encrypted. 

Equifax has provided a free fraud protection service, however in order to obtain these services, you must waive your right to participate in any class action lawsuits against the company, according to this clause in their terms of service : AGREEMENT TO RESOLVE ALL DISPUTES BY BINDING INDIVIDUAL ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. 

This is completely unacceptable.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax mishandled my personal information including Name, Social Security #, Address, Date of Birth, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site XXXX. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2016-10-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (CA)

This is to Synchrony Bank / Care Credit. 
I have a document I sent dated XXXX/XXXX/16 which disputes the collection and requested validation bearing my signature, showing that I ever had a contract obligation to pay them. 

After the 30 days there was no response of dispute on credit report. the account was sold to XXXX XXXX XXXX.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

We were approved for a " forbearance on a current account '' while we try to sell this home. We received a notification from all XXXX credit bureaus that our XXXX XXXX balance increased from {$470000.00} to over {$470000.00}. I was extremely confused as there's no reason for our balance to increase while payments are paused. When I called the executive team at XXXX XXXX they confirmed that our balance has not increased, and our payments have simply been paused. They also confirmed that paused payments do not get added to the existing balance of the loan, they just get added to the life of the loan. She said she would inquire about how they reported it, but she said she only shows that it was reported as a forbearance, nothing more. I explained to her that all XXXX credit bureaus are showing an " increased balance '' so it is more than likely not something that the credit agencies are doing and I asked if she could check into this again because something either isnt getting reported correctly, or is being left out. Our balance is the exact same as of today ( XX/XX/XXXX ). It hasn't changed or increased at all. Someone is reporting it to the credit agencies incorrectly and they are adding our paused payments as additional payments and causing a notification of an " increased balance '' instead of reporting them as paused payments. My husband and I both took a XXXX point hit on our credit scores because of this, resulting in damaged credit. We also confirmed with XXXX XXXX that there is no negative reporting to our credit as it is a forbearance on a current account, and we are also under a XXXX XXXX  until XX/XX/XXXX regardless. So, the decrease in our scores was simply because of an increased balance, which makes zero sense. This needs to be fixed.