davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
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 mishandled my information putting my family and me, and millions of others at mental, physical, and financial risk. I am extremely disappointed with how Equifax has handled reporting this breach. Little if any effort appears to have been made by Equifax to notify the public. It has been nearly a month since the breach and Equifax made no effort to contact me by email, letter, phone, TV, or radio. I found out about this alarming situation first from XXXX. 
Going forward Equifax should be required to monitor every account at no cost to the victims, and to notify victims free of charge and immediately if any fraud occurs. Credit fraud protection should be mandatory and free for every account. 
This should be made right by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd and a waste of local funds and resources when Equifax clearly has records of all those affected.
Consumer complaint received 2017-09-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (FL)

I received a letter from collector ( XXXX XXXX XXXX about a medical debit of {$360.00} owed from XXXX. I have never heard of this debt and was surprised in XXXX I received a letter of debt. I called the collected and told them I do not know what this is, then a week later I saw it on my credit report. I wanted to file a complaint because I have not clue what this debt is, the collected put in on my credit, that account is from XXXX and XXXX denied my dispute. I have no wear else to go, this is unfair from companies to do this to consumers.
Consumer complaint received 2017-09-12
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 is randomly generating the answer to if I 'm effected by the latest hack of 143 million Americans personal identifiable information. This is misuse of my credit report. They have let 143 Million Americans personal data into the wild for all of us to be victims of identity theft. They profit from " monitoring '' this kind of fraud. It 's absolutely unbelievable. It 's the kind of conflict of interest that makes me wonder about this society. It 's fraud. It 's all a fraud. On top of this, their system to check and see if I 'm effected is randomly generated because I doubt they actually know how many credit reports were stolen. The rest of my life I will be forced to purchase from them or the other two, some kind of service to make sure i 'm not hacked. Let alone the fact that anyone could have my identity and use it outside the credit system, i.e. XXXX XXXX XXXX. I 'm suing in open court. I 'll represent myself. The government will not help me. I 'm sitting here in the aftermath of XXXX, and I 'm shaking with rage right now. It 's not like I do n't have a million things to do. I 'll just have to add this to the list. I 'm pretty much done with this society. I 'm going to do everything in my power to become a XXXX XXXX citizen. I have no want to be an American anymore. It 's a sham, all of it.
Consumer complaint received 2017-09-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I am attaching the Judge 's ORDER in this case. The Bank of America still has the account active. I spoke to someone on XXXX XXXX in collection and she said the Bank would honor the Cease and Desist letter. However, until the account is closed, this will never end. 
I believe they are waiting until the XXXX Bankruptcy ending date, then try to come after me again. 
The Order from the Judge said all remaining issues are denied moot. That goes for them, too.
Consumer complaint received 2017-09-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IL)

calls every business day with an automated method saying they are trying to reach someone in out company about a debt. This company has no debts in collection, so I simply XXXX the name and then the number XXXX, XXXX and XXXX. You can see how many others have had this same treatment. This is a scam, I am sure people think there companies must owe some money and probably give them money for nothing. This probably should also go to the Dept. of Justice. Please investigate this
Consumer complaint received 2017-09-11
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. 
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, first 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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

On XXXX XXXX, 2017, I attempted to access www.citicards.com to pay my credit card bill with Citibank. I 've paid my bill this way for a number of year. My account with Citibank has been closed a number of years, dating back to when I refused to agree to an interest rate increase. When I input my log in information into the website I received a message that my identity needed to be verified via phone call or by " another way ''. I selected the telephone call and waited for the call to come in for around 10 minutes. In this time I did not receive a call. I then attempted to log in again and this time selected the verify my identity another way option. That option landed me on a page that instructed me to call customer service. I called customer service and spent close to 45 minutes on the call before being informed that I could n't access my account online because I had a closed account. They offered no explanation as to why I 've had online access with a closed account for years and it suddenly was cancelled. I was told that I could register my online account if I had the physical credit card. I informed the customer service agent that I no longer had the card since the account had been closed for years and asked if she could provide my full account number to me. She refused citing security reasons. I am left with a situation in which a creditor has knowingly and against my wishes removed online access to my account. This makes it much more difficult for me to remit payment to them in a timely manner. I believe this action was taken to increase the likelihood that I will miss a payment or have a payment arrive late. Then they would have the opportunity to charge me late fees and increase my interest rate. This is a clear violation of UDAAP in my eyes. There is not logical business sense to cancelling an account holders online access outside of hoping it leads to increase in missed or late payments and ultimately more fee and interest income for Citibank.
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 security has been breached, resulting in compromised personal details ( including social security numbers and other financial information ) of millions of people, including my own. The company must be held accountable for the sharing of private information of millions of consumers.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (VA)

EQUIFAX credit bureau was hacked during XXXX XXXX and this information was not made public until XXXX XXXX. The companies solution to this problem was to offer free credit monitoring services to the 143 million individuals that were possibly hacked and to anyone else for a period of one year. The problem is that after that 365/66 day period, you would start being billed for the service if you did not contact them 30 days prior to the service expiring. Additionally, if you take advantage of this free service, you preclude yourself from being a member of any class action suit that may result from this breech. Basically, the company will end up making money out of this and after a year of their free service, your information will still be out there forcing you to partake of the services of their company or one like them. This is a lose, lose situation for the consumer and government needs to step in and do something about it.
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. (CO)

Equifax was breached and leaked a staggering amount of personal data. 
" The breach occurred between mid-XX/XX/XXXX and XX/XX/XXXX,  Equifax said. The company said it discovered the hack on XXXX XXXX. '' according to XXXX XXXX XXXX They then proceeded to not inform anyone until 5 weeks later, which is 100 % unacceptable. An attacker could do a ton of damage in 5 weeks. And before informing their customers, several executives sold a significant amount of stock XXXX XXXX XXXX This clearly shows them worrying more about their own well being than the the well being of American consumers.
Consumer complaint received 2016-09-23
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

I would like to file complaint against Wells Fargo bank, regarding my saving account. Account was closed without my knowledge and no explanation was ever given to me as to why suddenly my saving account was closed as well what happened to my savings/money! I opened saving account in 1998 with XXXX bank in XXXX, AZ that later became Wells Fargo bank. I had that saving account for more than 10 years and I put aside lots of money for emergency and different life events. Well account is gone/closed and money disappeared, Wells Fargo said in a letter mailed to me " due to the timeframe that has elapsed, we no longer have account statements ", also, bank stated " we can not locate a discrepancy for $ $ $ ". I truly believe that internal Wells Fargo employees stoled my saving account money by opening ghost account and transferring my money from saving account than simply closed the account.What an incredible lie from executive office of Wells Fargo bank. I am missing XXXX XXXX XXXX dollars from my saving account and bank got a nerve to tell me due to a timeframe they no longer can not locate account statements and a discrepancy for XXXX XXXX dollars! Pure lies and manipulation by the bank. Bottom line here is bank stoled my money and is hiding evidence as well selected individuals that work for the bank and their position. Pure internal FRAUD and SCAM. I am a pure VICTIM of FRAUD done by Wells Fargo employees!!!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX and I tried to find out if my personal information was part of the Equifax data leak. I went to the Equifax website to find out if I had been part of the leak, and I never received an email or any notice that I was part of the data leak. I attempted to call their service number today because it turned out I may have been enrolled in identity fraud protection I neither want nor need. This phone call took place on XXXX XXXX, 2017 at about XXXX XXXX. and I spoke with their operator XXXX. XXXX informed me she was unable to help me and to call another customer service number. When I tried that number the line was disconnected. I 'm really sick and tired of not being able to access my credit report, and I 'm really tired of not knowing if this is the 13th time in my life I 'm going to have to deal with identity fraud. I wish I could sue, but I do n't even know if I 've waived that right by being accidentally enrolled in a service I do n't want. It 'd be nice if someone for once in my life would advocate for me. My XXXX lawmakers wo n't do it, my state lawmakers wo n't do it, so who will? I am not earning the same income I once was and I really, really need to know if my credit is affected by this. I have no savings and I really need to know.
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 and failed to protect my personal information, which puts me ( and millions of other people ) at risk of identity theft. This is unconscionable as Equifax is supposed to increase my ability to protect myself against these kinds of threats, and instead they exposed my critical personal information to criminals and thieves.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I disputed inquires that was not authorized by me on my credit report and no corrections was made. They did not provide proof to me that the information was being pulled and if I authorized it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 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. (WA)

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went to XXXX XXXX XXXX in XXXX XXXX to purchase a car. I authorized for them and only them to run my credit. XXXX different companies have an inquiry for that same day. I have sent letters and disputes to have them removed. 

On XX/XX/XXXX I went to XXXX XXXX XXXX and authorized them to make an inquiry on my credit. My report shows inquiries on the same day to the following companies ; Car Buying Attempt : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( XXXX in one day ), XX/XX/XXXX XX/XX/XXXX ( again XXXX in one day ) and XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX ( XXXX in one day ) XX/XX/XXXX Car Buying Attempt : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX in one day ) Car Buying Attempt :XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX ( XXXX in one day ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

I have disputed the balance of {$30.00} with XXXX XXXX XXXX  XXXX XXXX, requesting documentation that bear my signature that agreed to this charge. It has been over 4 months with no documentation being sent from them. I have contacted them several times over the course of the 4 months with no solution. Now, I receive a collection notice from TransWord Systems Inc -  I am filing this report with the CFPB to alert the illegal practices of XXXX XXXX XXXX XXXX XXXX for ignoring the request for validation of debt which is a direct violation of Federal Collection Laws. If Transworld or XXXX XXXX XXXX XXXX XXXX  proceeds on inserting this to my credit report, civil ligation will result.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DC)

Greetings, I pay Equifax for a monthly service to investigate and manage my credit. This service allows me to request my Equifax credit score at any time without a credit score penalty and to occasionally request results from the other  XXXX  reporting agencies.     Recently, at  XXXX / XXXX /  XXXX    XXXX    XXXX   XXXX   XXXX   requested my credit score form Equifax and it was reported as  XXXX . When I learned of this today, I immediately went into my Equifax account and looked at my credit score and it was reported as  XXXX . I then requested scores from the other  XXXX  agencies and they were :   XXXX    XXXX   XXXX   XXXX  So even an average of these scores would be  XXXX  and yet Equifax reported my credit score to  XXXX  as  XXXX . When I called Equifax, they explained that the bank can specify it 's own " scoring model '' over which they had no control, despite the fact that the report comes directly from Equifax. When I asked if I could change t he " scoring model '' used for  my reports from Equifax, I was told I can not, thus preventing me from exercising my legal right to my credit score, free or otherwise.     Clearly, this represents behavior bordering on the fraudulent and Equifax  ( an d presumably other reporting agencies ) need to be brought to task or Americans will never have en effective way to navigate this ridiculous  XXXX  system of credit scoring.     I look forward to some kind of resolution. I 'm happy to provide documentation but it has my name on it which you 've suggested I should not include. Let me know if I can get it to you.   Thank you
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi my name is XXXX XXXX. Recently my step dad had a XXXX   XXXX and my mom who is XXXX weighing XXXX XXXX lbs had to take care of him alone for over 1 yr. when we found out there was no care taker for him, my husband and I moved closer to help. We eventually had to send him to XXXX XXXX because of his XXXX XXXX. Long story short, we tried getting my mom an XXXX XXXX XXXX ect via a personal loan only to be denied over and over. I was told that you could get into your XXXX/ trans union and look at your report. I ended up finding about 4 accounts that had went to collection. At that point, I immediately paid all of them in full. I told them all what my hardship was and begged hem to take it off my reports after I paid them. They said it cold take up to 60 days. In the meantime, XXXX XXXX XXXX " XXXX original creditor " XXXX, had settled my whole Dept with he in the amount of {$300.00} '. I had asked them to remove it from my XXXX/trans union/ and my XXXX report, and instead of showing paid in full, {$300.00} they re opened a revolving account saying that I actually owed them {$300.00}. I have tried numerous times to resolve these issues and they refuse to help which has really damaged my report all over again because all reporting agency 's re opened this account. I would like for this to be resolved immediately so I can at least apply for a personal loan to help my mother~ XXXX XXXX XXXX XXXX has damaged my credit ...