davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
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: LendingPoint Holdings LLC (PA)

On XX/X/17 I received an email from LendingPoint LLC stating that my application for a loan had been denied. The email contained numerous pieces of personal information including my name, home address, and credit score via XXXX. I have never sought a loan from this company and have never authorized any hard credit pull of my account by them.
Consumer complaint received 2017-09-09
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 improperly handled my financial information in such a way that it became hacked and I must now assume that the information is public. I used their tool this morning at https : //www.equifaxsecurity2017.com/potential-impact/ to determine that my information has indeed been hacked. 

Equifax has done nothing to notify me of the problem other than " issue a national press release '' after a substantial delay ... I should have been notified within days that my data may be impacted so that I could take steps to protect myself but instead the company waited. Equifax claims that this is because it took a long time for their cybersecurity investigators to conduct a review but if the impetus for the review in the first place was that the company knew about a potential breach of this magnitude then this is no excuse to keep that information private for as long as they did. I personally suspect that at substantial factor in the company 's behavior with regards to timing the release of this information was having their public relations team examine how this issue affects the company 's business, which is unacceptable. 

Equifax has offered free monitoring through their new site related to this issue https : //www.equifaxsecurity2017.com, but only if I relinquish some of my legal rights to collect from them should this breach lead to damage against my finances. This is not acceptable.
Consumer complaint received 2017-09-09
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. 

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

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue consuming my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-09
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 puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2017-09-09
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. (WA)

XXXX reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four credit reporting agencies. This has cost me {$31.00} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control.
This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.
Consumer complaint received 2017-09-09
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 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 own 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. This failure on the part of Equifax to secure my personal information such as my SSN has now has cost me several hours, some money ( to freeze my credit with 4 bureaus ( including Equifax themselves ) and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future for the rest of my life. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2015-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

I had an account with XXXX/XXXX. File # XXXX/ XXXX/XXXX. XXXX offered a settlement agreement for {$230.00} which I accepted. XXXX reported same as paid as agreed, XXXX balance per attached. XXXX and XXXX removed the item in it 's entirety from my credit reports. Experian refuses to show a XXXX balance or remove line item, although I have provided proof of same.
Consumer complaint received 2017-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have made multiple attempts to obtain the legal supporting documentation to provide proof that the account LVNV Funding is reporting on my credit profile belongs to me. This company continues to ignore my certified requests. They 've verify with the credit bureaus that the account they are reporting is accurate ; however, they 've refused to supply the substantiating documentation.
Consumer complaint received 2024-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DC)

On XX/XX/XXXX, my student loans were transferred from Edfinancial to XXXX. In XX/XX/XXXX, Edfinancial also withdrew XXXX {$660.00} student loan payments from my bank account. The first payment was withdrawn on XX/XX/XXXX, and the second was withdrawn on XX/XX/XXXX. The XX/XX/XXXX payment was credited to my student loan balance ( e.g., my balance decreased by {$660.00} ). The XX/XX/XXXX payment was not credited to my student loan balance ( e.g., my student loan balance remained unchanged ). I assume this is because Edfinancial was no longer servicing my loans on XX/XX/XXXX, as they had been transferred to XXXX the day before. I contacted Edfinancial about the XX/XX/XXXX payment on or around XX/XX/XXXX. The representative I spoke with agreed with me that my XX/XX/XXXX payment had not been credited to my student loans and that I was entitled to a refund. They advised me they would submit a request to Edfinancial 's " Finance Team '' and also advised me to fax Edfinancial my bank statement showing both XXXX withdrawls ( that document, which I faxed to Edfinancial on XX/XX/XXXX, is attached to this complaint ). The representative also advised me to wait to be contacted by Edfinancial 's Finance Team. I have not been contacted by the Finance Team. Today ( XX/XX/XXXX ), I contacted Edfinancial 's customer service to check on the status of this issue. I was told that my request was still pending with the XXXX XXXX, that the XXXX XXXX was still dealing with issues from XXXX and XXXX, and that there was no timeline for my issue being addressed or resolved. I was further told there were no actions I could take, and no one I could contact, until the XXXX XXXX took up my issue and contacted me directly.
Consumer complaint received 2017-09-09
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)

XXXX mishandled this breech and its aftermath. This is completely irresponsible use of very sensitive information. They need a solution for us NOW. Their officers selling stock days after this is very suspect as well. Your job is to protect we the people! Do it!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

I applied for a student loan forgiveness program through a firm based out of XXXX, income based program said I did n't have to pay because I was n't making enough money. I had nothing to do with Navient and out of no where they starting sending me bills saying I owed way more than what I borrowed to go to school. XXXX credit reporting agencies have different amounts. They have me in defaulted status and are ruining my credit.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMARY RESIDENTIAL MORTGAGE (GA)

I am very concern about the shortage of our escrow account being that the numbers does not add up. Please review the following for 2016 : Escrow Collected PMI Ins./Taxes Beg. Escrow Bal. : {$360.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$410.00} - {$160.00} - {$1100.00} ( Haz. Ins. ) XX/XX/XXXX {$410.00} - {$160.00} XX/XX/XXXX {$410.00} - {$150.00} XX/XX/XXXX {$410.00} - {$150.00} XX/XX/XXXX {$410.00} - {$150.00} - {$1300.00} ( county tax ) - {$1100.00} ( Haz. Ins ) + {$770.00} ( Haz. Ins returned ) Totals : + {$3900.00} - {$1400.00} - {$2800.00} - {$260.00} ( Escrow Bal. : ) I notice the numbers does not add up. On the last statement dated XX/XX/2016 there is a shortage of - {$1200.00}, this is before the {$770.00} ( haz Ins. ) was applied to escrow ( which it should have reflected by the XX/XX/XXXX but it got applied to principal ). Once subtract the {$770.00} the balance is - {$510.00}. Which still does not add up. Also the county taxes were paid at once ( annually ) when it should have been paid semiannually. Which would have avoided the shortage all together. Even on the Aggregate Escrow Analysis dated XX/XX/2016 it shows that the county taxes is to be paid in two installments. 

When I called on XX/XX/2016, I first spoke to XXXX I asked her for supervisor/manager so, I was transferred to XXXX. XXXX told me that they would run another Escrow Analysis and look into it. However if the company does not own up to its mistake and cover the shortage running the Escrow Analysis will only increase our mortgage.
Consumer complaint received 2017-09-09
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. (IL)

Equifax 's website has indicated that I may be affected by the recent breach. However, there are now reports which claim that the website is not actually working as intended and say that you are affected even with nonsensical data.
A few problems with this : 1 ) Saying that you may have been affected when you did n't gives incentive to purchase unnecessary services such as a credit freeze ( {$10.00} per reporting service in my state ) or credit monitoring. I 'm currently unemployed, and really do not want to purchase something which I do n't need but at the same time do not want to risk my credit. Frankly its also ridiculous that I have to purchase a credit freeze from the same company that may have leaked information in the first place.
2 ) The one year of coverage, while mandated by law, is insufficient. Private information which could lead to identity theft may now be out in the public space -- it does n't go away after a year. This could come and haunt me far into the future, yet if I want credit monitoring I would need to purchase a service from the same company which may or may not have lost my information in the first place.
3 ) As a consumer I have no real recourse or way to avoid using Equifax. I rarely directly interact with Equifax. Instead potential lenders will check with credit reporting services before giving me a loan. While in theory I could attempt to avoid lenders which use Equifax in practice it is extremely difficult : Equifax is a major institution in the financial space and will likely continue to be so in the future.
4 ) In order to use the free credit monitoring offered by Equifax I need to sign a binding arbitration agreement with an opt out clause. This clause requires me to mail a letter to the company in order to ensure my ability to sue if there are any issues with the credit monitoring. My understanding is that this arbitration clause only applies to the credit monitoring and not the actual leak, but I do not want to have to sign away any legal rights I may have, especially as part of an agreement for a service from a company which has already lost my trust.
Personally, this breach comes at a terrible time for me. Within the next couple of months I intend to take student loans to help pay for my XXXX  school education. Thanks to the breach I am not extremely paranoid about my credit. Any fraud which could harm my credit score could lead a higher loan rate. If this occurs, my options are to either suck it up and pay thousands of dollars more in interest on my loan, or I drop out. Neither of these options are acceptable.
Thank you for reading, and I hope to reach an acceptable resolution.
Consumer complaint received 2024-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

I have federal loan the lender is EDFINANCIAL this company is totally dysfunctional. 
I made many calls, certified letter, e-mails to request for a General Forbearance due to having temporally financial issue related to my health. The company stated that I have " used all my Forbearance " which is not true. ED financial every time I talk to their reprehensive, I was given different answer and basically run around! the company phone system and online downloading has been impossible to get through. I believe this company a flat fraud and making payers to pay more than they should or simply they do not approve Forbearance option or other options. I asked for a manager there are none exists! 

I need to know who is behind this corrupt company? also, I am requesting to have temporally General Forbearance. 

I am currently paying my private student loan over {$1000.00}, with the different lender and I am attending school half time ( XXXX credit ). It is not possible for me to pay all leaders and school while I am attending school.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Novo Platform Inc. (IL)

On Monday, XX/XX/XXXX, XXXX XXXX XXXX  charged my Novo ( XXXX ) bank account for fees and a deposit related to a car rental. They realized they had made a mistake and closed out the transaction immediately and authorized a second transaction to match the correct amount. The next day, I noticed that the first charge- which was a mistake- was not dropped from my account, as the receipt had been settled out at XXXX. The amount of this pending charge is {$450.00}. 

I first called XXXX and spoke with their settlement team. They sent me documents showing it fully XXXX  out and they offered to send Novo and XXXX a letter confirming that funds had been released. I then called Novo several times and was told that this was an issue with XXXX ; it was their release policy or it was something that needed to be addressed by engineering. I asked politely to Speak with a manager and was told that the agents can not transfer calls and that no manager existed to even offer the agent advice - XXXX very untrue things. What was maddening was this constant reassurance not to worry and that the agent completely understood the issue. Not having access to these funds resulted in me sleeping g last night in my car and most likely the next night. I could not pay for my hotel room and I am out of town for work. I went to the extent that I did with the merchant to have a letter faxed that resolved the charge, and Novo has just dug in their feet. Im sorry, the money needs to be in my account immediately.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

Equifax failed at protecting my credit information from hackers. They have offered free credit monitoring for a year as compensation. Too little, too late ... my information has been compromised and the repercussions can potentially last for many years. They failed to do their job and have offered no reasonable solution to the massive problem they helped create.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Novo Platform Inc. (NC)

Hi, NOVO Bank wouldn't allow a transaction to go through and flagged it as a fraudulent charge and it wasn't. I've had charges from XXXX using that account. 
I am unable to call them, I can only email and now they won't respond. I asked them to update the phone number on the account because it is a business account and I no longer have the business number or address. I couldn't log into the account because the verification is going to that phone number. If they had never blocked that charge, I could have updated everything myself. I verified the last deposit and asked them to either allow me access to the account and take the freeze off or mail me a check and close the account. It's been about a month and they have done neither and won't respond. I really need my money out the account. They have no right to keep it all because I had my phone number changed. I sent a photo of myself holding my license so they know that I am the account holder.
Consumer complaint received 2016-05-25
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was contacted on XXXX XXXX, 2016 by XXXX XXXX ( or XXXX XXXX ) from XXXX XXXX. She told me that i should contact XXXX XXXX XXXX immediately or I will be served tomorrow. I called that agency immediately with that number XXXX. I spoke to a woman that asked for my reference number ( XXXX ) and transferred me to a lady name XXXX XXXX ( or XXXX ). This is the second time this company has contacted me. The first time was XXXX, 2016. They claim that they sent me letters in regards to this matter, which I never received. When I told that I never received them, she called me a liar. I asked for which court was this claim filed. She first said it was Superior Court in XXXX, XXXX. There is no such thing and I questioned that. But she continued to tell me that she meant Superior Court in XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX and the number of the court. I asked for the case number instead she gave me the same reference number. I specifically asked for the case number and she said I will receive all that information tomorrow when I get served. Anyway I looked up that same reference number in XXXX, XXXX, & XXXX and it does n't exist. There is no case that has been filed against me and according to my credit report my account is paid in full and closed. I am tired of the harassment. They keep calling my mother 's house and now they are calling my cell phone as a " Restricted '' call. I do not know why they are telling me that I have a debt because I do not.
Consumer complaint received 2017-09-09
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. (ME)

Equifax mishandled and failed to protect my personal information, and failed to disclose when that information was compromised. I now learn on social media that my identity may have been stolen months ago, and I am left with the responsibility of monitoring my credit report closely and constantly, managing freezes and fraud alerts, and disputing fraudulent activity. As all of the information that the credit reporting system uses to identify me has been compromised, it seems as though I will be doing this for the rest of my life. This is an unfair burden placed on me by a company I never chose to do business with, and their handling of the breach ( which so far has been to do nothing, not even notifying people effected ) is absolutely unacceptable.