davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
To make matters worse, it 's been reported that they 're giving random information as to whether specific individuals had their information compromised making it impossible to know. This was systematically tested, proven, and documented at the following website XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 's website is incredibly vulnerable to SQL-injection hacks and is incredibly insecure.
I really appreciate the CFPB for escalating my concern.
Consumer complaint received 2017-09-09
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. (VA)

Equifax had a big security breach and I was identified as potentially impacted. When I tried to enroll in the Free Credit Monitoring service offered by Equifax, their system showed birthday was wrong and the call center for trusted ID said they ca n't fix it. So I called Equifax and they gave a so-called customer service number that I can NOT get through for over an hour. Is this a big SCAM on top of a bad security breach? Equifax needs to be held responsible for all the inconvenience and damages.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (NC)

hey Mr . Creditor on XXXX XXXX you have reply to my previous concern and you state the 2 accounts had been Charged OFF. It as appears that these items in my credit report have turned into a charge off, but I notice you Never sent me a 1099-c would you be so nice to send me a 1099 For A Cancellation of debt of these Items due to my financial hardship. I would Greatly appreciate it I've Gone through a serious financial hardship, and this would help me with my credit in the future Thank You So Much
Consumer complaint received 2017-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (IL)

Hi. I am contacting you regarding a few medical bills that are on my credit report. 

1 ) I never received notice from the doctor or the debt collector that these bills were even due. In fact, I have seen this doctor as recently as last month. Never once did the office mention these bills, I only found out about them after viewing my credit report. 

2 ) These medical bills are for a nerve block procedure that I receive for XXXX related XXXX. The doctor who gives the shots is a XXXX XXXX. My credit report now has in bold letters, that I have been treated at the " XXXX XXXX XXXX '' clinic. 

For one, I was not even treated for XXXX. Even so, this is a severe breach of the HIPAA Privacy Rule, as anyone who pulls my credit ; from potential employees, to landlords, will see what appears to be my medical history ; that I am being treated for some sort of XXXX. This would translate to them, as missed work days and rent payments. 

3 ) Furthermore, these bills were all incurred while I was a student at XXXX XXXX. My father is responsible for all of my medical bills as long as I am still in XXXX. 

I contacted all 3 credit bureaus. XXXX removed all 3 Choice Recovery accounts from my credit report. XXXX for some reason removed 2 of the 3 accounts, and left one of them. XXXX did not remove any of the accounts. 

I contacted the collection agency and the rep seemed quite pleased to inform me that they will not bill my father, and that even if I paid the bills, they would not remove the accounts or the incriminating information. 

I have submitted screenshots of the Choice Recovery accounts on both XXXX and XXXX. I have also submitted copies of .the court order stating that my father is responsible for my medical bills. 

The collection agency is : Choice Recovery XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Please let me know if there is any other information you need and if you will be able to help.
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)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. 

This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

My account is set up on auto draft every month. I never really took notice until I received my tax statement for XX/XX/2016 but my payments have not been applied to any of the principal for the last 4 years. In my payment history, I can see the payment break down of principal and interest but my balance has been increasing and therefore I am paying more in interest as a result. My tax statements show that my interest paid is the total of every payment for the year. I called Navient customer service and they gave me the run around and told me the opposite of what my account and tax statements say. I understand there is a class action lawsuit for this issue currently in the works but I want to get the issue fixed so my future payments are applied correctly. Basically, this has doubled the remaining payment terms.
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. (CA)

The Experian & XXXX processes for putting in place a credit freeze are unreasonably and extraordinarily difficult, even as compared to the other credit reporting services. 

In light of the recent data breach at Experian, I am in the process of trying to put in place credit freezes at all of the credit reporting companies. I tried the XXXX  and Experian online processes yesterday on XXXX XXXX. Both of them are very complex and the identity verification procedures are nearly impossible. The processes are clearly designed to discourage security freezes. 

I 'd be willing to bet that it 's easier for a third party to request my credit or for a wrongdoer to apply for credit with my stolen identity than it is for me to take the basic precaution of freezing my credit. 

I have been directed by Experian that I can only submit for a freeze in writing and have to provide copies of identity documents and utility bills. 

XXXX says I have to call them, but they are not open on weekends and the phone lines are impossible clogged during the week. 

I 'm trying to help my spouse and my aged parents in this process. Their procedures make it impossible. Furthermore, I ca n't figure out if there even is a process ( however bad ) to do the same for my minor children. 

By way of comparison, the online process for a freeze at XXXX and XXXX was relatively quick and painless ( at least for me and my spouse and parents, have not yet tried for my minor children ). 

I am outraged by the security breach at Experian. I am outraged at their lack of even the most basic cybersecurity processes. I am outraged at this whole situation. Their XXXX up processes for putting in place credit freezes is just the icing on this anti-consumer cake. 

I would very much appreciate you holding these folks to account publicly. The first priority would be getting them to streamline the process for credit freezes, then I would hope to see civil and criminal prosecutions.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

I was told my loans will be paid off in full on my current plan by XX/XX/XXXX which is XXXX years after I started repayment, and there is no way they will be. I have been paying what seems to be nothing but interest as my principle balance has not moved. I have called to confirm the XX/XX/XXXX payoff and they always say it is accurate. I feel like I am being scammed because I never see my principle balance drop. 

I got student loans in hopes of having a higher earning potential. I graduated in XX/XX/XXXX admidst the worst financial collapse certainly of my life time with very limited jobs. Came ou of college making XXXX a year with a XXXX monthly student loan payment. I currently make more but now with a wife and XXXX children work 60-70 hours a week just to pay the bills. I got student loans to get a better job and be able to live a great life, not cripple me with debt and have to struggle to get by and not even make a dent in the balance. 

I did n't qualify for any assistance or help because my parents made to Much money and they said my '' anticipated family giving '' did n't allow me to get any grants/assistance when in reality I paid every single penny of my college experience with no help from my parents. Now, almost 10 years post graduation I still owe almost XXXX just to navient ( and that 's not even considering the XXXX I owe XXXX for student loans ). Student loans are a scam and if I could do it all over I would have joined the military or learned a trade. 

This has been and will be the worst decision of my life. It has stalled everything. All the things I have ever wanted ( but a home, live debt free, have a comfortable life ) has all been stalled by this devastating debt that seemingly will never go away. 

WORST decision of my life!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My credit report has errors in relation to 15 USC 16c-2. The inquiries were not authorized by me and are causing damage to my credit. Please remove all unauthorized inquiries. Thanks
Consumer complaint received 2016-09-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I had nearly {$800000.00} in an investment account at Merrill/Lynch, and a home worth another {$800000.00}. After my financial advisor, XXXX XXXX at the XXXX S.C. office took over my accounts, I would up with a little over {$40000.00}, total. I was talked into taking out a mortgage and a line of credit I did n't want, and encouraged not to pay them off. When the market crash happened, I was left with the debts, and no capital to pay them off with.
Consumer complaint received 2017-09-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I received court documents this morning as a result of a credit card debt with Capitol One Bank. The amount that is listed on the court documents is about {$400.00} higher than my last statement with Capitol One, which puts the amount over the {$3000.00} mark. I assume this was done to cross the threshold of justifying legal action. I informed Capitol One several months ago that I am getting paperwork completed with a debt consolidation company. In that conversation I asked for the contact information of where to send the paperwork to but I was told someone would contact me, in which they never did. 

This morning the papers were delivered by a very rude gentleman who proceeded to yell at my wife, as I was not home and then threw the papers on my front porch. I called the company who employees this man and was told by the owner of XXXX XXXX XXXX, XXXX, that they did not violate any collection laws and he encouraged me to submit a complaint with the CFPB and FTC because he knows that have n't done anything wrong. I cited that his employee had used intimidation tactics to communicate the debt with my wife and trespassed on my property, he then responded with, " do you have a no trespassing sign up ''. 

My debt should be no higher than {$2900.00} with Capitol One Bank and I am willing to work with them to pay off the debt.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Company : TransUnion Problem : I tried to place a credit freeze on-line. The web site attempt failed. I tried via phone and failed. Agent did not pick up the phone. I tried the same process for my wife. Similarly failed both web and phone. I requested a friend to try, failed both web and phone. Seems TransUnion does everything it can to prevent you from placing a credit report freeze. Also, the web site has a link called " credit block '' which is an attempt to sell credit monitoring at a monthly fee - in fine print. It is an obvious attempt to steer consumers from credit freeze to a paid service. 

I did not have any issue with XXXX nor XXXX. TransUnion appears to be a bunch of scammers. 

Also, I am not clear how any credit reporting agency can justify charging for a freeze given they lost everybody 's data to the dark web!
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. (ID)

Equifax divulged my protected personal information due to a security breach that could have been prevented with proper security tools. I have submitted fraud alerts for both myself and my wife. I will continue to monitor my credit report to ensure that our information is n't used to steal our identities.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC (VA)

On my credit record is an erroneous foreclosure for a loan that does NOT belong to me. My deceased mother took out a mortgage with a lender and after her death the paper was sold on that loan. While her estate was in litigation, I contacted the mortgage company advising them of her death and that the estate was in litigation. While going through the legal system, I told the mortgage company that I would have pay on the loan rather than allow it to go into foreclosure. Although I was under NO legal obligation to do so, I continued to pay on the loan. After XXXX of litigation with no resolution in sight, I could no longer justify paying on my mother 's loan. I notified the mortgage company that I would no longer make payments on the loan and foreclosure steps were initiated by the mortgage company. The estate was finally settled 3 years after her death when a buyer for the property was secured paying off the loan avoiding a foreclosure sheriff 's sale. My mother 's executor handled that transaction but my name was used to file a negative report with all of the credit bureaus. I have tried every avenue to have this negative report removed from my credit and all have failed.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

I have been harassed for over 5 years and it will not stop by the Mortgage Co. ( Ocwen ) with phone calls from people in another country when my loan is not late and has not been late in over 5 years. I have submitted several letters telling them to stop and advised over the phone to stop calling me. I got sick and had XXXX in XXXX XXXX and several months prior I had I applied for a loan medication thru another Company ( XXXX XXXX ), Ocwen refused to modify my loan and started calling me and sending me mail to send the same information over and over again. When the information was sent they would call me at home and request the same info again and would not stop. I would give the information the XXXX and they would forward it to Ocwen and they would continue to call me. I had advised them to stop calling me and to contact the Company I applied for the modification with. I showed proof of my Social Security statement and was told they wanted proof when my check was cashed or deposited because people lie and have saving account. I had XXXX and they started calling me right after I got out of the hospital for the same information all over again, I told the caller ( someone from another country ) do not call my house and I could not talk and to contact the Company I applied for the modification with and do not contact me again. They would not stop until I faxed a letter to them to stop. I have several copies of letters asking them to stop calling me from another country, I can not understand them. My Mortgage is not late and I just received a letter from Ocwen advising me my mortgage payment will be increased effective XXXX XXXX, XXXX. I refused all contact with them after I has XXXX and faxed the letter in XXXX XXXX to advise them it does not take a year to modify a loan and I plan to file a Law Suite against them. I received a letter on XXXX XXXX, XXXX to increase the mortgage payment with the same interest rate as before. I have not talked to or contacted anyone at Ocwen or the XXXX XXXX XXXX since I faxed the letter.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (VA)

TODAY I tried to FREEZE MY CREDIT REPORT WITH EQUIFAX AND FOUND OUT THEY WANT TO CHARGE ME {$10.00} TO FREEZE MY CREDIT REPORT. They collect all my information and dont pay me, but want me to pay them for a credit report freeze.that does not seem right or fair.
I will call them to try to get them to waive the fee, but i dont feel very confident they will do that.
I will be trying to freeze my credit reports with the other two companies, and i fear i will be very upset to find out they, too, charge.
This does not seem right to me, especially since the company getting hacked is the reason i am trying to freeze my CR.
Can you tell me if the cfpb can do anything to help us consumers ... .and thanks for all you currently do.
Thanks XXXX XXXX
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)

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 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX