davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Financial Service LLC (Idaho) (ID)

The document included is to outline specific terms in the contract that XXXX XXXX XXXX has violated. This violation of the contracts deems the termination fee void. Therefore, the company does not have the right to seek to obtain the remaining fee of {$370.00} via the collections agency, Advantage Financial Services. A copy of the contract has been included for independent review as well. 

XXXX XXXX XXXX and I had a contract that lasted from XX/XX/XXXX to XX/XX/XXXX. I was an XXXX XXXX at one event, in which I personally purchased all the supplies for. Overall, I have received no monetary compensation, no advertising to assist me as an XXXX, and no confidential information that has personally benefited me as an XXXX. 

The collections agency received my dispute onXX/XX/XXXX. Allowing the 30 days for XXXX XXXX XXXX to reply to the dispute, I have been notified they deem the contract valid and will continue with the collection attempt. However, I disagree. Hopefully, ( as I have outlined ) both parties are at fault, and therefore, the contract is no longer valid. The collections agency has stated my only option is a lawyer. However, since I do not find the investigation adequate by Advantage Financial Services on my behalf, I am seeking an alternative solution.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

OnXX/XX/XXXXI made a purchase of {$120.00} using my Kohl 's card. Kohl 's sent me multiple emails offering to match my payment of up to {$50.00} if I made a payment. On the XXXX due date ;XX/XX/XXXX, the balance on my account was {$190.00}. On this day I called and spoke to a representative who informed me that I would be receiving the {$50.00} credit and asked how much of the remaining {$140.00} I wished to pay. I paid the entire {$140.00}. On my next statement with a closing date of XX/XX/XXXX I was charged an interest charge of {$3.00} and given a minimum payment of {$3.00} due onXX/XX/XXXX. OnXX/XX/XXXX I made a purchase of {$130.00}. OnXX/XX/XXXX I called Kohl 's and was given a minimum payment due by the automated system of {$3.00}. I then followed the automated system through to learn the credit of {$50.00} I was previously told onXX/XX/XXXX would be reflected to my account onXX/XX/XXXX was not issued untilXX/XX/XXXX. I spoke to representative XXXX and then manager XXXX who informed my that my minimum payment was {$4.00} and despite that fact that I was disputing the charge that if I did not pay it my account would be charged a late fee. I was told that the {$4.00} minimum due was not due to the interest charge, eventually I was told it would be credited to my account but not for 24hrs and so the {$4.00} payment was to be deducted from the {$130.00}, and it was still due or I would incure additional fees. I was told numerous " truths '' / statements that were later reversed on the call. After 49 minutes on the phone a case was finally filled that would reverse any future late charges caused by this incident. I decided to immediately after the call make an online payment of the {$130.00} that I made onXX/XX/XXXX to avoid further complications.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (NJ)

I have been locked out of my credit card account by the company due to security check for an unidentified reason. There was no fraudulent charges and hardly any charges on the account. I am unable to reset password online and they refuse to do verification/security check over the phone, yet they are happy to take a payment over the phone with no security check. I have no access to the account nor am I receiving monthly statements.
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. (TX)

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 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. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
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. (MA)

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.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a credit card from Capital One back in XXXX XXXX, I needed this card due to a divorce due to being put in a Domestic XXXX situation I only had a small pension and needed money to get my divorce started and get away from him as he left me broke ... .then I ended up needing to take {$100.00} in cash from the credit card in early XXXX or late XXXX and after I did this my monthly payment went from about {$25.00} up to {$300.00} a month, I have called Capital One numerous times asking them to lower my credit card payment and they refuse to do it since I borrowed {$100.00} in cash from them, and each time I do call about it they will give me a {$75.00} credit, my XXXX XXXX statement came out and it said that I did not need to make a payment so now that my XXXX statement is out they are now saying I need to make a payment of {$410.00}, I have never once been late with my payments and I have never missed a payment so all of XXXX and now XXXX I have been paying a monthly payment of {$300.00} to {$410.00} a month all because I took out a cash payment of {$100.00} back in XXXX, Capital One is XXXX me ... ... I need help with this credit card company because of the high monthly payment I am making I am so broke that I need to keep using my credit card and I have paid well over {$7000.00} and I still owe {$10000.00} on this card!!!!
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. (MO)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Total Card, Inc. (MS)

Total Card XXXX called me three times in one day regarding a payment I had already made. On the last call, the agent acknowledged the payment but refused to acknowledge any wrongdoing with the multiple calls, instead saying it was my fault for not picking up the phone. Typical super rude customer service from a sub-prime financial institution that would have the consumer believe they have no options.
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have 1 30 day late reporting on my credit reports with all 3 bureaus from KOHLS. 
I have been a perfect on time customer since XX/XX/XXXX and i have a 30 day late showing for XX/XX/XXXX. 
I had spoken to numerous personnel who stated that the late would be removed from all 3 agencies only to find they have not and will not remove it. 
I had spoken to 2 supervisors in XX/XX/XXXX in which they confirmed my late would no longer reflect on my report. On XX/XX/XXXX i spoke to a lady in the executive office who stated she will not remove the late payment mark.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

I had XXXX 's membership card for one year. At the time, I joined XXXX 's memebership I was told to open a XXXX 's XXXX. I never used the XXXX 's XXXX to purchase anything. After one year of membership, I choose not to renew my XXXX 's membership. But the membership fee was charged to the XXXX 's XXXX automatically without my permission in the XXXX XXXX statement. So I called customer service number printed on the back of the credit card statement which is XXXX.My XXXX 's XXXX number is XXXX XXXX XXXX XXXX and the credit card is run by XXXX XXXX. I was told by customer service not to worry about the fee and the fee will be credited back to my account. After one month, I received another statement asking me to pay not only the original membership fee but also late fee and interests on top of it. So I called Customer Service number again. This time I was told to contact XXXX 's store directly to request a refund of my membership. So I called XXXX 's store to request the refund. XXXX 's XXXX agreed to refund membership and told me to wait. One month later, I got a third statement with more late fees, and interests. So I called XXXX 's XXXX again, I was told they will issue a provisional credit. Next month, a provisonal credit of {$72.00} provisional credit was issued and I thought the issue was resolved. 
However, to my surprise, one month later I received a statement from XXXX XXXXk rerversing the provisional credit and charging me again the {$72.00} balance. So I called XXXX XXXX again requesting that the {$72.00} be reversed and my credit card account closed. The customer service said they will take care of it. But one month later, I still get the bill for the balance of {$72.00}. In short, XXXX XXXX is engaging in unfair and deceptive act and pratices to default consumers. I 'm sure I 'm not the only one. There must be many others. Please help me to get the charges reversed and my account closed. My cell number is XXXX and can be reached anytime. By the way, I never used the XXXX 's membership after my membership expired and I called XXXX XXXX more than 10 times. I was always told I can dispute the charges even thought there is nothing to dispute.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

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.
Consumer complaint received 2017-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (MO)

My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XX/XX/XXXX. We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is OLD back in XX/XX/XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a veteran and his hospital bills were paid by the Veteran Administration because he was given a rating of XXXX %. XXXX % means Veteran Administration is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. Veteran Administration PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XX/XX/XXXX. 

I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company? 

Thank You
Consumer complaint received 2017-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I have been paying on this loan which was originally {$17000.00} starting in XXXX and on XXXX XXXX I decided to pay off the balance which at the time was {$7300.00}. I paid it directly through the Navient website and it was debited from my account on XXXX/XXXX/XXXX which I still have my statement for. The very next month I started getting emails about my payment being late. The first time I called the woman told me not to worry. It took 4-6 weeks to process repayments. I continued to receive late notices. I called again and was then told I sent my check to the wrong address and they would have to refund it to me. I reminded them I paid through ACH on THEIR website not with a check and that I had my statement showing it came directly out of my account. I was told at that point they would cut me back a check. I waited about 4 weeks and was still getting late notices when I called again to find out where my check was and to try to resolve the late fees and interest they were charging me. I was told again it was my fault, that I sent a check to the wrong address and the turn around to cut me back a check would be 6-8 weeks. They waived 2 months of late fees but did not waive interest accrued and although I bumped it to three levels up they all denied I paid it through their website even though I told them I had proof on my bank account. I had to pay over {$800.00} to get my account straight which was a whole other dibacle. I did finally get my check however I now have a XXXX balance on a loan I tried to pay off 7 months ago. They are taking out way more in interest than they should and they wo n't allow me to pay the loan off. I am at a loss as to what to do. They definitely have deceitful lending practices.
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. (NJ)

On XX/XX/XXXX Equifax announced that it had been hacked from XX/XX/XXXX to XX/XX/XXXX and had withheld this information for one month prior to reporting it to the general public. Upon hearing of the breach, I proceeded to the provided web address : www.equifaxsecurity2017.com to learn if I was suspected to be a victim of identity theft or theft of any kind. Placing my credentials, I was informed that I was indeed suspected of my information being stolen from the hack. This information may include my name, address, date of birth, social security number and possibly my DL number. I have been given a date to enroll in XXXX XXXX credit monitoring : XX/XX/XXXX. I have also requested a fraud alert be placed via Equifax on XX/XX/XXXX at XXXX. In addition, I also received by annual credit report for XXXX on XX/XX/XXXX at XXXX where I did not find any errors on my report.
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. (CA)

On XXXX XXXX, XXXX, the credit bureau Equifax announced a massive data breach of their systems, which exposed millions of consumers ' personally identifying information, including social security numbers, DOB,  addresses, etc -- basically every single piece of information an identity thief needs to steal someone 's identity. 

Equifax became aware of this data breach on XXXX XXXX, XXXX but did not announce it until XXXX XXXX, weeks later. 

In the meantime, SEC filings show that three Equifax executives Chief Financial Officer XXXX XXXX XXXX, workforce solutions president XXXX XXXX and U.S. information solutions president XXXX XXXX sold nearly {$2.00} XXXX in shares in the company days after the cyberattack was discovered. 

Equifax has been criminally negligent in protecting the sensitive information of consumers. I am one of the victims of the data breach and now have to spend the next years of my life constantly looking over my shoulder and wondering who has my information. This causes enormous emotional distress, especially because I have already had my identity stolen once. It causes stress, it costs countless hours of effort to fix a problem that is not of my doing. WHY is the onus of correcting mistakes by the credit bureaus on the VICTIM? 

Additionally, the sale of stock by Equifax executives is securities FRAUD. It is criminal. 

Credit bureaus have a disproportionate amount of power over the lives of consumers. Their mistakes can cost us jobs, homes, and the ability to carry out normal activities that require the use of credit. 

It is completely unconscionable that they will face no repercussions for their disgusting, criminal actions. 

Equifax 's only offered solution to the consumer is to sign up for *their* credit monitoring service. That is completely unacceptable. They have proven themselves to be utterly untrustworthy and now they want us to be their *customers*?
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. (MA)

This complaint is in regards to the massive breach in the personal data of millions of people due to the willful negligence of Equifax. 

I ca n't bring up the dispute with Equifax because if I use their website to find out if I have been affected by the data breach, I am giving up my right to sue. 

Equifax may or may not have lost my credit data, SSN, and other personal information. From what I have heard, the corporation was willfully negligent in the way they stored, processed, and transferred the personal information of millions of people. I have heard several first hand accounts of those working at Equifax to back up my claims. 

I am fearful that my identity will be stolen, my credit score damaged, and my personal information used against me or sold to those who will only use it to harm me. This fear will live with me for the rest of my life as there is no way to recover my information or know who has possession of it now or at any time in the future. 

The top executives at Equifax however have nothing to worry about as they sold off millions of dollars worth of company stock after they were aware of the problem, a month before they informed the public. When they decided to inform the public, it was on the eave of Hurricane Irma causing destruction. This timing of the announcement only goes to further demonstrate the willful negligence of Equifax as is is obvious the company did not want to receive much attention from their announcement.
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. (TN)

Equifax grossly mishandled their responsibility to protect my sensitive personal information, which has led to a security breach that puts myself and millions of others at potential risk. As if that were n't enough, their handling of the subsequent fallout has been incompetent. I am extremely disappointed with how Equifax has handled reporting this breach. Nothing was done 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 XXXX. The extent of their attempt to address the issue and support those affected was a website where you have to input the last 6 digits of your SSN and your name. Even  then, this website returns random results, like a message when saying I had been affected when I put in " Test '' as a  name and " XXXX '' as an address.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX & XXXX Account Number XXXX this account does not belongs to me it causing me a great deal of stress i would love to have them removed from my credit report XXXX & XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$240.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -