davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-11
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. (GA)

On XXXX XXXX, 2017 I directly contacted Equifax to request a copy of my Credit Report to be mailed out to me. I do not have access to my credit report online for disputes or viewing. Whenever I call this company, I am transferred to Consumer Affairs only to be told that this is the highest level of escalation. On this day, I spoke with XXXX. I requested for him to mail me a copy of my report as this is the only way I have access to my credit report due to the company 's unethical practices. I was then advised by XXXX that I needed to sign up for their credit monitoring services. I advised him that I had no desires to sign up with any services with this company because I do n't trust them. He refused to mail me a copy of my report. 
I have filed numerous complaints in which my issues have not been addressed, in fact the company failed to respond to my complaint with the Georgia Department of Law. 
It has been publicised in the news that this company was negligent with not just my information but everyone 's information and they have experienced a breach which compromised many consumers personal information. The time that this breach occurred is the time in which I received multiple fraud and extended fraud alerts added to my credit file without my request by this company. 
I, unfortunately, sent in copies of the information requested by this company such as driver 's license and social and will not be doing so again since they do n't know how to keep my information safe.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

I attempted twice to get my free annual credit report from XXXX, XXXX and Experian on Sunday, XX/XX/XXXX from the US government approved site XXXX. Both times I received a notice that I was unable to get a copy of this 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. (WI)

Equifax mishandled my personal information including Name, Social Security number, 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 c
riminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethica
l 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 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I attempted twice to get my free annual credit report from XXXX, Transunion and XXXX on Sunday, XXXX XXXX from the XXXX government approved site XXXX. Both times I received a notice that I was unable to get a copy of this report.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing the collection account XXXX and account number XXXX which they show as being openedXX/XX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXX in the FCRA Compliance Date. Please delete this account immediately. 

This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.
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. (TX)

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: 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)

Recently Equifax was responsible for failing to secure highly sensitive information for millions of Americans, myself included. Not only did they fail to secure the information, they did not tell anyone for an extended period of time, and high level executives illegally sold off stock in advance of the news going public, which is criminal. Additionally, their disaster consultation website is a poorly designed and poorly secured tool that returns random information and tricked people into signing up for a free credit monitoring service at the cost of not being able to file a class-action lawsuit anymore. 

These repeated behaviors are both negligent and malicious in intent, and honestly they deserve severe repercussions for such a severe compromise in many Amercians ' peace of mind and financial well-being.
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I disputed an account on my credit report as ... " no contract " account unknown and requested verification of Debt. Experian took the debt off my credit report and has now recently put this collections item back on and credit score dropped 10 points
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a likely victim of the XXXX data breach. The XXXX site says my information " may '' have been compromised. 

Since this breach, I have been trying to place a credit freeze with the three major companies. I was able to do this easily with XXXX and XXXX without any problems. With Transunion, I have been unable to place a freeze after numerous attempts by various mechanisms. 

First I tried online and got an error message that said " We are unable to complete your request. What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. What to do : Please contact us at XXXX XXXX XXXX XXXX to initiate your security freeze transaction by phone. '' Next I called the number above and provided the requested identification information to the automated system. I got an error message saying that my request could not be processed, so I would be transferred to an agent. 

No transfer occurred. I heard a beeping signal and then Transunion hung up on me rather than letting me wait to speak to an agent, or leave any information for an agent to call me back. 

I have tried all of this multiple times. 

I looked on Transunion 's Contact page. No numbers were listed for credit freezes other than the one that did n't work. 

This is completely unacceptable. Transunion must provide a working mechanism ASAP for me and all other customers whose data they hold to initiate a credit freeze.
Consumer complaint received 2017-09-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

I have called Business and Professional Services numerous times over the last three years to verify the collections that they are reporting on my credit bureaus. My daughter and husband were both sick at the same time and while I tried to keep up with all of the insurance claims and status I just could n't. When I called originally the company was reporting such a small amount that I offered to pay the accounts if they would delete them from my credit report because I was unsure which ones had been paid by insurance and which ones had n't. They said they would be happy to delete if I paid the accounts in full and I was prepared to but then the phone rep came back and said there were older accounts that were not on my report and in order for them to delete any accounts they would ALL have to be paid in full. The total was almost 700.00 more than I planned so I declined and told them I would get with the original creditor and my insurance company to verify that they had not paid those accounts. Both the original creditor and my insurance company verified that they had no records on the accounts because they were so old. When I called back and spoke to Bus and Prof and explained this they told me they did n't care and that their records indicated I owed it so if I wanted anything deleted I would have to pay it all. I feel like I am being black mailed into paying debt that no one can verify.
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. (KS)

Equifax released my personal info to unknown person ( s ) without my permission. They did not do enough to secure my personal information from theft from their servers. They did not attempt to notify me when it occurred. They have offered limited ( 1 year ) of fraud protection, if I wave my right to pursue any legal action.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion refuses to provide me my free annual report. This has been a problem for the last 5 years. Transunion does not allow me to view my report online.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

XXXX and Experian are still charging money for credit freezes and thaws. After the XXXX break, the Experian breach, and the XXXX breach, this is unconscionable. 

CFPB should pressure all of the credit reporting agencies to offer freeze/thaw protection gratis.
Consumer complaint received 2017-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OH)

I 've filed disputes with the credit reporting bureaus for items showing on my report from Phoenix Financial. I 've requested verification of the debt from Phoenix Financial as well as the credit reporting bureaus. I 've never received verification from Phoenix Financial, but the credit bureaus have removed the negative items, more than once, through the dispute process, with verification being the reason for dispute. However, this company continues to report again at a later time, and it shows back up on my credit reports. Of course, the credit bureaus have no choice but to reinsert until I dispute again. This collection account does not belong to me. I 've called the original creditor listed on the report, and they were unable to find any information about me having an account with them, which is no surprise since they are so far away from my home that I would not have used their services. I had state health coverage at the time the alleged services occurred, which would 've covered 100 % of the cost of those services. Furthermore, I 've never received a bill from this creditor, and the only thing I 've received from Phoenix Financial is a bill with their account number on it, the name of the original creditor, and a balance owed ( which has changed several times ). I would n't even know what the services were for. I feel this account is either a case fraudulent debt collecting or identity theft.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On MondayXX/XX/XXXX I tried ( all day ) to place a freeze on my TransUnion credit report. ( I successfully placed a freeze on my XXXX and XXXX early on that day in a matter of minutes ). I tried both on line and through the voice system at XXXX. When I would get through to a person they would tell me I had to order a credit report online from TransUnion because I had n't ordered one since XXXX and prior to that XXXX. I actually tried on order a TransUnion on line credit report and answer their identity questions - when it would get hung up and keep asking me a nonsensical question and then eventually said they were experiencing technical difficulties??? ( I actually order a TransUnion credit report later in the evening over the phone with XXXX at XXXX. ) TransUnion said they needed me to order the credit report on line in order to confirm my identity since they could not access my information. However they were obviously looking at my information since they knew when I had ordered prior reports!!!! Again I had earlier placed freezes with the other two credit reporting agencies with NO problems. I eventually ended up getting told to call several different numbers at TransUnion XXXX, XXXX, XXXX, XXXX. Every time I reached someone they said they could n't help me unless I ordered a credit report online. They said they could n't verify my identity unless I ordered the report?? However they obviously knew who I was because they sent me several emails referencing an order # and telling me to contact them at XXXX if I would take the offer at the bottom of the page for a subscription credit monitoring service for $ XXXX. I already have credit monitoring through XXXX because of previous security breaches at XXXX, XXXX XXXX and the State of South Carolina and I know that as a Georgia resident over the age of XXXX I am entitled to freeze my credit report for {$0.00}. All I want is for TransUnion to place a security freeze on my credit report just as the other two agencies have. I know TransUnion is trying to sell me their services but I do n't want them and I certainly would n't order anything from them after this run around.Thank you for your assistance with this issue.
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)

Equifax 's data breach exposed my personal information. I am filing this complaint as I am upset that Equifax did not reach out and notify those affected ; they report the breach ended in XXXX. It 's XXXX. Additionally, I would like to know what types of my information was hacked. For example, did it include my driver 's license number, social security number, etc. As consumers whose information was taken fraudulently, we are entitled to know what information that consisted of. Very disappointed in the lack of transparency and assistance by the company at this stage. Also disappointed that in an effort to check if I was impacted, there is a clause built in to the process that prohibits you from seeking legal action against the company going forward. Dishonest business.
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. (HI)

In XX/XX/XXXX- XX/XX/XXXX of 2017, Equifax, one of the three major credit reporting and monitoring agencies, had sensitive data compromised in a data breach that likely revealed information such as : Social Security Number, Drivers License Information, Credit Card Information, and Contact Information to criminal perpetrators of the breach. Equifax provided a website for users to enter a portion of their social security number to determine whether or not they may be impacted. After entering my information on XXXX XXXX, 2017, Equifax 's website alerted me that I was likely affected by this incident. I have added a temporary Credit Fraud Alert through a competing credit reporting agency, XXXX, in the event that my personal information is being misused to open lines of credit, etc. without my consent. I am filing a complaint as this breach of security and my personal information may be highly detrimental to my future plans of taking out student loans to return to school for a change in career, and am seeking means of restitution.
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. (WI)

Equifax had a social security number leak on XX/XX/XXXX with up to 143 million people involved in the U.S. As of now, XX/XX/XXXX, I am not sure I have been affected. This is extremely worrying to have your SSN available to be used for identity theft and fraud, considering that Equifax is supposed to keep our SSN 's safe.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

The account in question has been reported since XX/XX/XXXX as delinqent and equifax have it as XX/XX/XXXX which it worng and the statue has expired to report the accounts. 
The reporting dates are diffrent than my Experian report by years of 5 plus. 
XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2017-09-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

I was behind {$3200.00} this includes late fees. This company has done this 4 times previous. Refused to work and tried to foreclose and I stopped it each time by getting the money owed. But each time they add fees, {$600.00} internal attorney fees, and add a monthly payment that is n't due yet. I have tried 4 times to modify, or repayment, or work something out. Nothing..but I have in good faith every single time I fell behind find a way to catch up and prevent from losing my home. Here we are again and the game begins and I 'm just exhausted I 'm an old elderly man and my son handles this for me now. This will just kill me. First of yes I know I am behind, but I have been making payments each month ...
I owe {$3200.00} Date XX/XX/XXXX, Minus payment check # XXXX - {$730.00} and Date XX/XX/XXXX. Minus payment check # XXXX. - {$750.00} this leaves a balance owing of XXXX. of which I explained will be paid by XXXX XXXX, 2017 bringing my account current. The problem they refuse to deposit the above checks therefore throwing my account into foreclosure. The dates written on the checks were XX/XX/XXXX, andXX/XX/XXXX.. well in advance to prevent a foreclosure. They have n't sent a notice for foreclosure yet but I know the signs of the game and how it begins..by refusing payments.
Now they sent me a letter datedXX/XX/XXXX, after they received my payment ... .take note here ... they got my paymentXX/XX/XXXX, which would make me 3 payments behind. Foreclosure warnings does n't start till after four late payments ... Now back to the letter ... the letter was dated XX/XX/XXXX, I did n't receive the letter until XX/XX/XXXX, United States postal service. Inside the letter it stated I had until XX/XX/XXXX to send in the {$3200.00}. the problem here is I received this 7 days after the fact of the stated request. But they refused my payment on XX/XX/XXXX which would have prevented this in the first place let alone I sent in another payment on XX/XX/XXXX. If course they are not accepting that payment either. I have called and have gotten no where as usual. I am tired if fighting with them for 9 years. I kept up my end if the mortgage even in default. When will this horrible company give me a break. We bail them out with our tax money ... I 'm a retired veteran and I feel like I 'm not an American anymore. They treat me with no respect. I get nothing but denials, lies, decent, they try to steal my home from me from criminal practices with unfair billing, mortgage increases with no explanations, fees for every fricken thing you can think of. Please help.
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 — Their investigation did not fix an error on your report
Company: College Foundation, Inc. (NC)

On XX/XX/XXXX I was past due on my College Foundation Inc student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XX/XX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as 120-149 days past due. In XX/XX/XXXX, I was also approved for the Income Based Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XX/XX/XXXX. My accounts are still reporting as past due. On XX/XX/XXXX, I faxed copies of my XX/XX/XXXX, and XX/XX/XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at XXXX she could not use the info. I called College Foundation to see what they were reporting they are claiming that they have been reporting my current status as of XX/XX/XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies XXXX, and XXXX again and they said it is XXXX updating a past due status because they corrected it on XX/XX/XXXX and on XX/XX/XXXX XXXX reported it late again.