davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

Due to the recent Equifax data breach from XXXX to XXXX of 2017 my personal information appears to have been stolen by an unauthorized person ( s ). I appreciate the work Equifax did to stop this breach and to notify those affected. However, I have no agreement with Equifax and upon allowing my personal credit information to be disseminated to possibly malicious individuals they have caused undue stress and possible financial disaster to myself and possibly more than 100 million others. 
After reaching out to see what they are doing about this situation I found that they are signing affected individuals up for a one-year membership for identity fraud insurance. 
This is unacceptable. I can not and will not accept responsibility in any time frame for their failure to protect my information. 
Thank you.
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 Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. According to their website ( www.equifaxsecurity2017.com ), consumers can use to determine whether their information was compromised, my personal information may have been impacted by the attack.
Consumer complaint received 2016-10-23
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Bank of America, I appreciate your time greatly however the documents provided did not confirm my concerns of withdrawal of XXXX - provide XXXX XXXX wire instructions or account of deposit. 

As well as XXXX payment by check, wire, or transfer - provide copy Copy of Initial Draw Check as I did not receive - XXXX, XXXX XX/XX/2005 Response to its to late to file a dispute of concern for transfer and or payments - Is there a time frame on possible fraud? 

Response- documents signed without full disclosure from Bank of America XXXX who is the lender, who is the beneficiary - under the Deed of Trust Bank of America had an obligation to disclose and failed.
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. (IN)

Recently, Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.SXXXX customers. The company set up a website, XXXX, to determine whether or not customer 's information was compromised. 

After accessing the site and entering my data, it revealed that my personal information may have been impacted by this incident. 

Following this, I attempted to run credit reports with the 3 major credit reporting companies, and attempted credit freezes ; I only managed to do a credit freeze with Equifax, ironically, and only obtained a credit report from XXXX.
Consumer complaint received 2017-09-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

To whom it may concern, For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that 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. (TX)

" 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 XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' As a result of these revelations I have used the companies website www.equifaxsecurity2017.com which reported that I may be at risk for having my information leaked as a result of the company failing to adequately secure my data. It has also been shown that 3 Equifax Inc. Executives cashed out their company stocks prior to the release of the information contained within this report as reported by XXXX XXXX : XXXX.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

when I first applied for mortgage at webster Bank in Ct, I had my old house in the market XX/XX/XXXX and prety much a closing date set up. but webster bank broker told me that the only program that I could qualify was XXXX arm flexible rate but after one year in that mortgage I could apply for refinance to get out off. because I had another house on my name even if I had a closing sale date and I was making only XXXX +- a year but my income was good with a XXXX % down payment I would get the house I was applying for. after one year I did apply for refinance and was denied and told to wait another year did again and denied, every attempt I have made with webster bank either for refinance or mortgage modification fail until my house went in to foreclosure and I was forced to file a bankruptcy and after there accept a modification from the bank at their own terms so I could staay in the house even with a high interest rates
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)

Equifax gathered my personal information and without my consent stored it on their database which they did not protect sufficiently from hackers. As a result my information was stolen and my identity endangered. Their poor data security has endangered me and millions of others.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

My credit card number was stolen and fraudulently used to purchase services in XXXX. I am a resident of XXXX and was traveling to XXXX and XXXX at the time. I called the credit card company, USAA, and disputed the charges. I spoke to at least XXXX individuals who repeatedly lied to me about the state of my credit card and my ability to use it while traveling ( I would be stranded without hotel or food. ) This was back in XXXX. Today, USAA claimed one of the XXXX businesses claimed the charges were valid. Despite the fact that the fraudulent charge was not made under my name or the name of anyone in my family, USAA is holding me responsible for these charges. Further evidence I did not make these charges is that I was not in XXXX at the time -- as plane tickets bought with my USAA card show -- and the card was used for vehicle services on a vehicle I do not own -- as my car insurance with USAA would show. Despite all of this evidence, USAA is attempting to charge me for these fraudulent charges. I am being given NO RECOURSE to bring up these pieces of evidence. Furthermore, since XXXX, USAA representatives have repeatedly treated me in a condescending fashion and lied to me about the state of my card. I fear USAA may be colluding in a SCAM with the disputing company, XXXX. Furthermore, given the way the USAA representatives treat me and the way they pronounce my last name, I believe my ethnicity may be involved with their choice to participate in this fraud.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have contacted Experian multiple times in the last 2 years and they refuse to report my chapter 7 bankruptcy accurately. I have provided the discharge paperwork and still even as of this morning. They claim their " public record vendor '' has to provide the information and has not. I was also told they ca n't take a copy of the discharge from me either. This is ridiculous and is inhibiting my ability to apply for apartments, job screening etc. due to the low score as a result from inaccurate information.
Consumer complaint received 2016-11-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (NY)

Periodically TD bank does not email me nor do they send me a paper statement when my credit card account is due. It happens every three to four months. I call immediately and pay over the phone. I requested both forms of notification from them so this does not happen. I also have my checking account with this bank for many years. They tell me that they will waive the late fee and adjust my account well this month it did not happen so again I have to call them and complain. They give me idiotic excuses. I am tired of this and I seem to think it 's a scam to produce more revenue. If they are doing this to other people that can add to XXXX of dollars. I have other credit cards and I am at 100 % of paying my debt on time. Please .... I am so tired of this and I do n't want to switch banks because they are convenient and I have been with them for years. I am a XXXX year old women who works hard for her money and I will be XXXX if I let them get away with this over and over again. absolutely no problems with any of my other creditors and it 's a card with only {$1000.00} on it. I also have direct deposit with this bank. 
Thank You, XXXX XXXX XXXX Home XXXX Work
Consumer complaint received 2016-07-12
Product: Other financial service — Refund anticipation check
Issue: Customer service/Customer relations — 
Company: Google Compare Credit Cards Inc. (WA)

Between XXXX and XXXX I had my identity comprimised and someone charged my credit cards from the google play store ... over 50 times between this time period. I have for 2 YEARS CALLING TALKING TO SUPERVISOR AFTER SUPERVISOR AFTER SUPERVISOR TRYING TO GET MY REFUND. I 've been hung up on, I 've been left hanging for months ... I have had no resolution. This has caused me financial burden and stress ... and I 'm tired .... so tired of dealing with Google ... I need your help and would like to be compensated for all the pain and suffering ... I do have full documentation of this via emails ...
Consumer complaint received 2016-12-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lansing Professional Business Bureau,Inc (OH)

While gainfully employed by " XXXX, i was assigned to pick up scrap metal battery racks from " XXXX '', in XXXX XXXX. On XX/XX/XXXX, while i was loading said battery racks, XXXX racks that were stacked on a pallet fell upon my XXXX. I was taken to " XXXX XXXX XXXX '', were i received medical treatment for my XXXX, for which defined said XXXX as a XXXX issue. On or about XX/XX/XXXX i officially provided XXXX XXXX of " XXXX of XXXX of who i received medical treatment from in writing, for which was " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, phone # XXXX totally {$6700.00} and XXXX XXXX XXXX, XXXX Physician, XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone XXXX totaling {$2200.00}. Pursuant to the XXXX self insured contract and settlement agreement and release, " XXXX XXXX XXXX of XXXX '', was responsible for paying the medical bills. The XXXX contract nor was the settlement agreement and release was honored, for which defines a " Breach of Contract '', and a violation of Federal Law. The aforementioned has caused me significant hardship due to my not being able to obtain a loan to purchase a house and vehicle to start my own business. 
Consent to publish the description of what happened?
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)

On XXXX, on my way to work, I just found out through XXXX that Equifax has allowed my information to be stolen. If only Equifax has been practicing the best methods and procedures and actions and using the best products to safely and properly guard my personal information, my personal information would still be safe and not stolen by any unauthorized person or entity. This is causing me great and undue distress in addition to my XXXX XXXX telling me that I have indications of XXXX XXXX. Now, I do not know how long will I have to be extra vigilant and more cautious about my personal information being used fraudulently. This is too much. I already have several stressors that bog and worry me, and then Equifax allowed this incident to happen.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Account Resolution Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Phone XXXX has fraudulently filed a debt claim against me the consumer stating that i obtained services from XXXX XXXX XXXX on or about XXXX/XXXX/XX/XX/XXXX I hereby assert that i did not receive any medical services from XXXX XXXX XXXX in XXXX, Ohio XXXX whatsoever, and that i personally contacted XXXX XXXX XXXX who confirmed that they do not have any record of my receiving any medical services from they agency on or about XXXX/XXXX/XX/XX/XXXX. I requested for the collection agency to forward me a copy of the bill of the alleged services via written dispute to them as well as to XXXX and XXXX during XXXX of XXXX but to no avail.
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. (VA)

I recently learned that Equifax was hacked and personal data was given to unauthorized person ( s ). I checked if I was among those people and I was. I am afraid my data was given to some entity without my permission nor was it legal.
Consumer complaint received 2017-07-19
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 (GA)

On XX/XX/2017 I applied for a unsecured credit card with capital one. Yesterday I received a decision in my email. The reason for their decision was, Based on my application information, there is a currently pending or recently processed application with capital one. I called capital one today and spoke to an agent. I informed them that I have an secured card with them already, and I wanted to obtain an unsecured card since my credit report has changed. The agent informed me that they just passed a new rule that says you can not apply for a new account within 6 months of previously applying, or opening an account with them. I told the agent that was not on their website when I got my secured card account. They refused to further assist me. I went back to the capital one website and printed their rate and fee disclosure. Under the additional disclosures and terms and conditions section. It clearly states that I may not be eligible for the offer if I have applied for a capital one card 2 or more times in the last 30 days. Which I have not done.
Consumer complaint received 2017-03-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (TX)

I been selling on eBay since XXXX and eBay using PayPal as a merchant and my business is selling phones and electronic. 
in XX/XX/XXXX my business picked up and I start sending invoices directly through PayPal and get paid also I still maintain eBay business. 
I never never had a charge back or a bad review my accounts in Ebay and Paypal XXXX % In XXXX representative from PayPal called me and asked me several questions where I buy my product from how I know my buyerwhen do I ship the merchandise to the customer I also am XXXX % all the questions he he ask and then he said thank you and the same time my customers start calling me telling me Paypal Custmer Service calling them and asking if they receive the merchandise my customer call them yes they receive the merchandise and everything is perfect after two days in the middle of XXXX they send me an email telling me they place a reserve account of {$80000.00} in my account I call them I told them why they said I 'm a high-risk customer I told him I never have had a chargeback I do n't have anything wrong with my business they said they still have to protect the business I do n't know for how long they said for three months i 've been calling since and explaining to them I can not find in my business like that by now they up to {$60000.00} I do n't have the capital to run my business my business and will go broke like that they even check my credit score and I ask them who give you the right to do that they told me it 's in the policy I understand if I have a chargeback understand if there is something going on with my account I have a lot of return merchandise I have a lot a problem but I do n't have any problem with my account in eBay or PayPal and I called PayPal they told me that the eBay that 's a company runs himself by them self we can not do anything about that that 's not fair I think I 'm going to lose my business my credit card it 's empty I can not borrow more money and the funny thing is they holding all the money even eBay fees I paying eBay fees for my own pocket but we taking the on money the processing money they taken it from the the money they holding I 'm a very small business can not hire a lawyer but on the same time I know that 's not legal They can call every customer and the Ask of the receive the merchandise but they refuse to do that I do n't know really what to do
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 've disputed 5 times already with TransUnion and 5 times I have received nothing but a piece of paper telling me that these types of accounts stay on for 7-10 years. I have proven each time that this information is not correct and I do n't understand how they can keep this inaccurate information on here. I have not hired a lawyer and have also gotten the attorney general of CA involved. I have the actual petition in front of me why states the accurate information which does NOT reflect the information on my credit report. 

This is my dispute from my letter and you will also find the public records page from my credit report and my letter attached : Us bankruptcy XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct US BANKRUPTCY COURT is not listed completely : you MUST list the city and the state for this to be accurate which means that you do n't even know where this is out of! 
There 's no liability amount listed You have no liability amount You have no plaintiff listed
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

After reviewing my credit report, I noticed a bankruptcy and a judgment was on my credit report after speaking with the court they do not report to the credit bureau, they are receiving this from a XXXX party therefor should be deleted
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (SC)

On XXXX XXXX, XXXX I received a notice from Credit Managemenet, L.P. on behalf of a debt owed of {$340.00} to the creditor XXXX XXXX XXXX dated XXXX XXXX, XXXX. I immediately called XXXX XXXX company to inquire about the notice because the amount on the notice and the information in regards to the notice was inaccurate. I spoke to a customer service representative ( Agent # XXXX ) in regards to my account and final bill. The agent stated that there was " in summary '' nothing she could do about it because it was handed over to collections. After 25 minutes of explaining the situation and problems with the account she deliberately muted my call and refused to speak. I then hung up the phone after allowing the phone call to elapse for 2-3 additional minutes. I then called XXXX XXXX back on XXXX XXXX, XXXX and spoke to a different customer service representative ( Agent # XXXX ). I requested to speak to a supervisor immediately and was not connected to a supervisor for 20 minutes after being on the phone with the above stated agent. There was a language barrier and it was hard for me to understand the agent and the agent to understand me. The agent repeatedly asked how could she help me with the account and I responded that she could help by connecting me to a supervisor. After 20 minutes I was finally connected to a supervisor ( Agent # XXXX ) to discuss the problems with my account. I stated to the supervisor that I had just RECENTLY CANCELLED my cable on XXXX XXXX, XXXX and I DID NOT RECEIVE a final bill from XXXX XXXX. I was extremely frustrated because I was n't given a final notice of the amount owed ( which was incorrect on the notice from the collection agency ), I was n't given an appropriate amount of time to pay the bill ( my cable had n't been off for a month ) and I received this aggressive letter from the collection company ( threatening to DESTROY my credit ) by reporting my account to all three collection beareaus if I did n't pay within 30 days. The supervisor told me that XXXX could not produce a final bill in writing until the end of my billing cycle which would come out on XXXX XXXX, XXXX and the actual amount I should be corrected to the ACTUAL amount due {$190.00}. However, I would have to settle my debt with the collection company and contact them for a final notice. AGAIN there was nothing XXXX could do because my account had been turned over to the Credit Managemnt Collection Company. On Friday, XXXX XXXX, XXXX, I called the collection company and they stated that NO CHANGES had been made to my account on behalf of XXXX and that I still owe {$340.00} to their company.