davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank Of America had reported that a particular account was mine. Eventhough I had sent multiple records showing that my information was breached. I had even had my bank account hacked into multiple times. It was not until I my wife took her name off the bank account that I had noticed that there were weird charges that was coming from my bank account. I had called Bank of America since I noticed they were XXXX of the sources that were coming from my account. I asked them to close that account and told them that the account was not mine and it was fraudulent back in 2014. However 2 years later they decided to post it on my credit report. I have sent multiple letters to Bank Of America to understand why they strongly believe that this account was mine but got no response. I have also contacted XXXX and XXXX asking the same thing but they said we have verified but could not state the means of the verification process. 

I am looking to CPFB process, to see if either XXXX, XXXX, or Bank Of American can provide the documentation they believe that the credit card file on my credit report is mine.
Consumer complaint received 2016-09-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (FL)

Last month a company by the name of Central Financial Control posted on my credit report that I was sent to Collections by XXXX XXXX XXXX XXXX. Their information also states that the outstanding amount was paid and the matter closed in 2014. I think think this behavior is unfair, as it is dishonest, because not only do I not remember the details of the matter to adequately defend myself, but this report was made two years after resolution and came at a time when I was in the process of purchasing a home. This action has negatively impacted this process as my credit score fell by XXXX points and the financial institution is reluctant to move forward.
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. (IN)

Equifax, through poor Internet security, allowed my personal, private information to be compromised. I am extremely dissatisfied by the fact that I have no input on whether my information is provided to Equifax or not when I apply for a loan or credit. I am extremely dissatisfied by the fact that Equifax does not have acceptable security for this sort of threat. I would like to express my dissatisfaction about the fact that Equifax waited over a month before expressing information that they were hacked. I would like to express my discontent that Equifax did not inform me IN ANY WAY and I had to rely on the media to tell me that I was in danger. I would like to express my frustration at being forcibly opted into a service that does not protect my information, that is required to participate in society ( through needing credit ). There is not recompense ( that I can think of ) that Equifax can provide that will alleviate the lifelong trust issues that I will now suffer because of this hack. I implore Equifax to attempt to regain the trust of the public, and me, by making things right. I demand credit monitoring ( for life ) and a personal guarantee that my ( supposedly ) secure information will be safe and protected. As a company that requires and stores my secure data, I expect a high level of security. This has not been provided. I request recompense for your transgressions and short-sighted decisions. Please fix the errors and frustrations that you have inflicted upon your ( often unwilling ) consumers.
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I asked over the phone and in writing for the lowest payment plan and was not provided with the information that would have forgiven my loans under the public service grant. I have worked in public service for four years and because this was not processed I need to wait to have the loans forgiven four additional years.
Consumer complaint received 2017-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Todd, Bremer & Lawson, Inc. (FL)

I CHECKED MY CREDIT REPORT AND THIS COMPANY TODD, BREMER & LAWSON INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SOUTH CAROLINA XXXX. XXXX - XXXX. IS LISTED ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS company. THIS ACCOUNT IS INACCURATE AND HAS NOT BEEN VERIFIED. I DID NOT RECEIVE NO INFORMATION ON THIS DEBT. UNDER THE FCRA 15 U.S.C 1681i ALL UNVERIFIED ACCOUNTS MUST BE REMOVED. THE COLLECTION COMPANY PICKS ACCOUNT AND JUST PLACED ON MY CREDIT AND I HAVE NEVER WENT TO COLLEGE, NEVER WENT TO A UNIVERSITY XXXX. THE COMPANY ALSO HAS FEES LISTED FOR THEM. THIS NEEDS TO BE REMOVED
Consumer complaint received 2017-04-30
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: PRESTIGE FINANCIAL SERVICES INC (ID)

On  XXXX   XXXX ,   XXXX  , I received a credit inquiry f rom Prestige Financial o n my consumer credit reports. I did not authorize this inquiry either directly with Prestige or through any other source. I sent them a certified letter which was received and signed for on  XXXX / XXXX /  XXXX  . I received a response from  Prestige da ted  XXXX   XXXX ,   XXXX   which stated they would not remove this inquiry despite being notified in writing this inquiry was not initiated or authorized by me either directly or through a third party. They have disregarded my concerns that someone has used my information without my consent and are fostering an environment that allows for identity theft by refusing to remove such items. T he Federal Law is very clear under the F air Credit Reporting Act and this inquiry being performed under false pretenses as described in the clear language of the law . 15 USC 1681n ( a ) ( 1 ) ( B ) state s, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.      Prestige is not able to provide any evidence such as a signed credit application or any credit application provided to them from any party that this inquiry was authorized by me. Therefore under Federal Law this inquiry must be removed immediately as it is causing my consumer credit report to be damaged since inquiries affect credit scoring systems. I am demanding this inquiry be removed as my first request was refused by Prestige.
Consumer complaint received 2016-05-24
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

Checked into a loan at ONE MAIN FINANCIAL never got further than a inquiry on my part just checking interest rates, said I was n't interested and tried to hang up the gal on the phone practically begged me to continue and fill out a application and I declined. Today XXXX XXXX 2016 I received a declined application # XXXX from this institution. Now this is fraudulent because I never filled out a application I totally declined this females begging me to just try and see what rate I would receive! I am totally shocked by this letter and feel something needs to be done about it!! First of all where did they get my information this is personal information they took liberties with and I do n't know whether she receives a bonus for more applications or what her motives were! But I need this hard credit pull removed from my credit report ASAP please.ONEMAIN FINANCIAL. XXXX XXXX XXXX XXXX XXXX. XXXX IL 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. (AZ)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 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.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -capitol XXXX account ending XXXX ( they are saying late on XX/XX/XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-Navient ( balance {$62000.00} ) late XX/XX/XXXX : I was not receiving a statement at that time and never late, XXXX did remove this??
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)

On XXXX/XXXX/2017 I was alerted to a security breach within the credit reporting agency Equifax, I immediately went to their site to see if my personal data was impacted by the breach and was confirmed that it was. Per news reports, this breach was known about internally at Equifax for up to 6 weeks before they alerted the public to the massive breach of security. Equifax has " offered '' to have me sign up for their credit monitoring service, which is only free on a temporary basis -- despite the fact that this data breach could have effects lasting the rest of my lifetime. Additionally I 've read the terms for that particular service would bar me from legal recourse moving forward. I believe this to be an underhanded attempt to limit liability rather than an honest attempt to help consumers.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I have been requesting verification of the following account that Equifax continues to report on my credit file : I contacted the Bankruptcy court and was made aware they do not verify any Bankruptcy cases. I have provided evidence that the cases do not belong to me as my son has my name also. I demand that this public record Bankruptcy is removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : Bankruptcy is PERMANENTLY DELETED FROM MY CREDIT FILE
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 — Problem with product or service terms changing
Company: EQUIFAX, INC. (OK)

As of XXXX 2017, the credit bureau, compromised many Americans personal information and just recently released this finding to the public. I am filing a complaint to ensure that not just me, but those that have been effected, get their lost or stolen identity back.
Consumer complaint received 2017-09-09
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. (MN)

I submitted a request for a free annual credit report from XXXX via the XXXX website. However, the site tells me that I need to mail in copies of my social security card, driver 's license, XXXX info, etc. in order for me to receive a paper copy of the report. What 's the point in having an online service if you ca n't receive the report online. Further, sending all that personal information through the mail invites identity theft.
Consumer complaint received 2016-10-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

Ocwen Loan Servicing , LLC has requested a copy of my current full credit report. The credit report I 'm sending was pulled through the Federal Trade Commission which directed me to XXXX. I pulled the XXXX full report file # XXXX dated XX/XX/XXXX. You 'll see the last XXXX digit of my social security number, date of birth, address. Account information not pertaining to the Ocwen Loan Servicing , LLC was redacted. However I did reveal that ALL of my accounts are in good standing. 
From Page XXXX-XXXX You will see Ocwen Loan Servicing credit information which starts from XX/XX/XXXX thru the last reported date of XX/XX/XXXX. On page XXXX, the credit report shows the date the account was opened on XX/XX/XXXX as a joint account.
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. (KS)

Equifax allowed a cyber security breach that enabled access to 100 % of my personal information and exposed me to the threat of identity theft both now, and at any point in the future. I 'm one of 140 million vulnerable citizens and I demand justice!
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. (VA)

News recently broke out that Equifax discovered a breach in XXXX XXXX, XXXX. [ 0 ] On the evening ofXX/XX/XXXX, I interacted with Equifax 's 'Potential Impact ' web page and learned that I may have been impacted by said breach. [ 1 ] I then obtained a 90-day initial fraud alert and am currently requesting a credit report. 

[ 0 ] Equifax Reveals Hack : XXXX XXXX XXXX. 
[ 1 ] Equifax 'Potential Impact ' Web Page : https : //www.equifaxsecurity2017.com/XXXX/.
Consumer complaint received 2016-05-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I own a XXXX wanted to transfer money from XXXX banks to Huntington so it was more convenient than my small town banks. Was told to give irs ein which is under my ss # she said no problem we can look it up that way. Now today when I go with everything she asked for, and I have a witness, she said no that even since ein # has been ur ss # since 1998 they demand me to change it ... XXXX!! Huntington you can praise your XXXX Indiana branch for losing you thousands of dollars, but I 'm sure that does n't effect your highway robbery business ... ..pissed as XXXX customer
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I believe in the month of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , De  XXXX   XXXX  this company had an inquiry on my credit report that I did not authorize.an illegal inquiry.
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 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 — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My personal information was improperly stored on Equifax and compromised when a security breach occurred between XXXX and XXXX 2017. I obtained my Equifax credit report via XXXX and discovered it was linked to another individual 's identity. I believe my identity could be stolen, which would negatively impact my credit score, financial trustworthiness, and personal health.
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (TX)

I have been a Discover Card member since XX/XX/XXXX. I used my Discover Card to make a couple of purchases in XXXX, XXXX, and four purchases between XX/XX/XXXX and XX/XX/XXXX. I have not used my Discover Card during the years of XXXX, XXXX, XXXX and most of XXXX ; I did not start using my Discover Card again until XX/XX/XXXX. I recently attempted to do a Cash Advance and noticed that I did not have funds to transfer from my Discover Card to my checking account. This caused me to look through my Discover Card statement and I found that I have been charged interests every month regardless if I made a purchase or cash advance with my card. My statements reflect that I was charged {$1100.00} in interest and {$550.00} in fees for the year XXXX ; in XXXX I was charged {$1200.00} in interest and {$420.00} in fees ; and in XXXX I was charged {$1200.00} in interest. Please note, I did not make a single purchase or cash advance using my Discover Card during these three years but was still charged over {$1000.00} each year in interest. I have also noticed that my credit line has increased from {$5000.00} to now {$8600.00} without my consent. I believe the increase was done to add interest charges and fees. I have contacted Discover Card company via Live Chat in hopes to reach an amicable resolution but all they do is 'copy and paste ' text from their disclosure documents. I am seeking aid from a regulatory agency as I find this practice unjust to consumers.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Morning, For the last 2 years XXXX, Transunion, and XXXX has deliberately and constantly attempting to destroy my financial well being. I 've contacted them over and over again to get the matter resolved they would delete then reinsert items thats not mine consistently. On top of that speaking on the phone to the reps they are very rude and judgmental as if I 'm a criminal when in actuality I 'm the victim of Identity Theft. I did more research about credit reports i would be an educated consumer via the FCRA and I also come to realized that even the fraudulent accounts they ( all bureaus ) allowed charge off accounts to report balances and re-ages which is a blatant violation of the FCRA. Please I just want some help to restore my life. Just want the bureaus to be fair to me
Consumer complaint received 2017-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The XXXX XXXX XXXX filed an erroneous judgement for a paid tax lien with my local county clerk. There was never any tax lien. When I noticed this, I went through the process with XXXX to address the issue. They admitted it was a mistake, and fully vacated the lien. This process was completed around 4 months ago. I then took the steps with the XXXX reporting agencies to remove the item. After disputing the item with each, XXXX has removed the item, XXXX is in the process of removing it. <P/>Transunion, on the other hand, has 'investigated ' my dispute either 2 or 3 times and I just received a letter this week saying that it 's been 'verified ' and that they 're not removing it. I have sent them the official letter from XXXX showing that the lien in question was vacated each time that I disputed this item. <P/>Their barely-functional web portal now will not let me even see my report, and will not let me dispute the item again. I have spent over 15 hours trying to resolve this problem, all due to their ineptitude in their so-called sole stated purpose, which is to accurately report consumer credit information. <P/>
Per 2015 legislation, the reporting agency is required to have 'trained personnel ' handling disputes. On the multiple times i 've called Transunion about this, I am connected to a call center with a representative that barely speaks English, and is 100 % clueless as to what to do. They each tell me something different, and nothing gets resolved.
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. (KS)

Without any knowledge of my own, Equifax took a laissez faire approach to protecting my confidential information. Due to their inability to follow industry standards in regards to cyber security, my personal information is in the hands of strangers. This behavior is reckless, dangerous, and requires accountability.