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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

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 2017-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

On XXXX XXXX, XXXX, I was charged {$1000.00}. This was a result of someone hacking my XXXX, sending themselves money with my linked credit card. I also received a text from XXXX asking if I authorized this charge and they asked me to text yes or no back. I texted no back hoping that meant they could stop it and freeze my account and whoever hacked it. They also asked me to change my password because it was hacked, so they could see it was hacked from a different XXXX location. I contacted XXXX and they basically said it takes 7 days to figure everything out. After 7 days they basically said there is nothing they could do because the money was sent as friend/ family thus not having their purchase protection but then I explained how it was hacked and they had me change my password because of the hacking etc but they would n't do anything and said that I needed to contact my credit card company. I proceeded to contact Chase on XXXX XXXX, XXXX. After months they sent me a letter saying there is nothing they could do. So now I am stuck with a {$1000.00} charge on my card that has been also charged interest for months with no one willing to help me. Luckily I heard about you guys from one of my business mentors and REALLY hope you guys can make this right! Thanks so much
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. (OH)

I discovered only through social media and the general news on or around XX/XX/XXXX, that Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, DL, and credit history, if not more. This was the result of a data breach in XX/XX/XXXX th
at they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They 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. I have good credit. I will now need to monitor and pay out the nose for protection for the next 50+ years because of negligence, greed and neglect. 

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 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Opened an account with XXXX in XX/XX/XXXX -- they back dated this account to my member service date of XX/XX/XXXX -- this account has been reporting an opening date of XX/XX/XXXX for the past XXXX years -- just recently for no explained reason trans union reported closing this account dated XX/XX/XXXX and opening a new account dated XX/XX/XXXX -- same account! This dropped my credit score XXXX points -- called XXXX and they said it should reflect an opening date of XX/XX/XXXX -- they said i needed to dispute with trans union.
Consumer complaint received 2017-09-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (AR)

This company has not gone through the proper steps after repossessing my car. Which is causing credit issues on my credit report. This company repossessed my car in XXXX of XXXX and they have violated my laws as a consumer. As the consigner of the vehicle I had every right just as the primary holders. I have never received notice of right of redemption/right of reinstatement. I never received a time/place of where the auction would take place. I never received a notice of sale or post sales notices. However, they have posted a balance to my credit report that I have no idea where it has come from. I need help please.
Consumer complaint received 2017-09-10
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. (NV)

Step 1 : What is this complaint about? 

This complaint is in regards to the XXXX data breach, but specifically with the way that credit freezes are being handled. 

Step 2 : What type of problem are you having? 

Being as this will be something that impacts someone who has had their information stolen for the rest of their life, it seems a bit silly/wild to myself that we are expected to pay for a credit freeze to try and help prevent any further damage that has been inflicted upon us as is. 

Step 3 : What happened? 

All but XXXX are currently charging for a credit freeze. While I realize that the other credit reporting agencies did not have any fault in this situation, it would seem to be the right thing to do to help those in this situation. 

Step 4 : What company is this complaint about? 

All three credit reporting agencies Step 5 : Who are the people involved?
Myself, and anyone else impacted in this data breach.
Consumer complaint received 2017-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (SC)

For several months now, about every other day, I have received telephone calls from the following phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not been answering these calls. Each time I receive one of these calls, a voice message is left which is about 3 seconds long and contains no identifying information, no call back information and no information as to what the call is regarding. It 's a completely silent voicemail lasting 3 seconds.
Reverse look-ups on the numbers reveal that they are assigned to a XXXX. Calling them reveals that they are affiliated with Central Credit Services,  LLC
Consumer complaint received 2017-09-10
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. (NC)

Equifax, through what at this point appears to be gross negligence, was affected by a cyberattack that resulted in the theft of the personal information of 143 million names, social security numbers, addresses, and associated data. Equifax has been aware of the breech since XXXX XXXX, but only made this information public on XXXX XXXX. 

At this point, it looks likely that my information was affected, but there 's no way for me to determine this : the tools Equifax has provided are demonstrably non-functional. 

Despite presumably having complete address records for everyone affected ( they are one of the major credit reporting companies, after all ) they instead suggested that people who might be affected go to an insecure site where they are asked to provide even more personal information, with no guarantee that they can keep that secure either. 

The XXXX for their site uses a number of what are commonly referred to as " dark patterns '' which is barely acceptable on a site trying to get me to sign up for their newsletter, and absolutely unethical on a site that purports to be offering assistance to victims. 

Equifax is using the incident as a loss leader for a subscription to their premium TrustedID service. While offering some form of identity protection is common after a security breach, most negligent companies are n't so brazen as to attempt to directly profit off the victims who were just robbed. 

It 's also become apparent that their auto-generated PINs for credit freezes use an extremely insecure, bringing into question how secure the rest of their data is.
Consumer complaint received 2017-09-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

In XXXX 2017, I noticed that the Ad Astra had posted derogatory remarks on my account. I sent them multiple opportunities to verify debt but all they would reply with was they reviewed the account and determined that it was valid. 

I contact them back and said that the message they sent is not proving that i owed their company money. After i sent the 3 letters, i submitted a estoppel and after a day or two after they received the estoppel, they contacted me again wanting money from me via postage mail. 

Even though they XXXX my account with XXXX XXXX, they continue to leave derogatory remarks with XXXX and possibly also XXXX ( I have not checked XXXX yet )
Consumer complaint received 2017-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX XXXX XXXX, I opened a tab at XXXX XXXX in XXXX XXXX, i made two purchases there each for about XXXX dollars prior and closed each one immediatly. I was found by security before the end of the night outside unconsciouse in which they were able to reach my mom via my phone and tell her they found me and gave her my location. According to my mom they did not stay by my side and she found me on dark street with all busineses closed. I woke the next day to find a msg from my bank advising that a charge of XXXX} was made at XXXX XXXX. I did not purchuse or authorise anyone to open or order drinks or items on my card. Especially for that amount. I tried contacting vendor at which i got a answering machine, i left vm. I also contacted bank of america immediatly. I live out of state, and needed to leave California, and since had left situation in hands of my bank. I have not heard from my bank regarding this issue up intil today when i saw that vendor charge was there again. I do not authorize and would like to dispute.
Consumer complaint received 2017-11-18
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: ALLY FINANCIAL INC. (TX)

I purchased a vehicle on XX/XX/XXXX and requested to be financed through XXXX XXXX. Because they financed my previous vehicle that was totaled on XX/XX/XXXX. I have received multiple notices from financial institutions that were not authorized to access my credit information.
Consumer complaint received 2017-09-10
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. (CO)

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 2017-09-11
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. (GA)

I take issue with the terms and conditions included as part of Equifax 's recent disclosure to consumers their personal information was compromised/hacked - consumers merely by checking with Equifax on Equifax 's website to see if they are affected are forced to agree to not join class action lawsuits or otherwise take legal action against Equifax. 

Further, the data compromise was in XX/XX/XXXX and the information was just disclosed to consumers. When going to www.equifaxsecurity2017.com and entering my name and social security number I am simply told to come back to the website in a week 's time. 

This is unacceptable - there needs to be stronger regulation in data security for credit reporting agencies and better consumer protections.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I transfer XXXX from my binance account on XXXX and I still have not received the currency at all. I contacted customer support various times but they stop responding to me days after they respond to my request this honestly ridiculous. 
the amount i sent was XXXX XXXX. 
I have all the confirmations that it sent but coinbase still refuses to send me my money. 
I have even the blockchain confirmation that the amount was sent to the wallet they told me to send it to. 
https : XXXX all the info that is needed is here
Consumer complaint received 2017-12-27
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Opened new account, checking, with Bank of America in XXXX XXXX, Fl in XXXX. I was employed with XXXX XXXX. A XXXX XXXX XXXX, actually a fortune top ten. This was on a Monday morning around XXXX XXXX. My check was for about $ 4200.i ask the teller when the funds be available, she said 3 to 5 business days. I ask here to explain business days and why it varied 3 to 5 days. She said because it was a out of state company. The VP over heard our conversation and came over and introduced herself to me, she was very knoledgeable about XXXX, she made the comment to the young teller and me that XXXX had more money than XXXX XXXX, and XXXX had no long term debt. The VP told me she would approve deposit that day by XXXX XXXX. I then proceeded to write out all my monthly bills, ( 17 total ) all but one for less tha 100 dollars. due to I was going to be away from home for 2 weeks. When I got back home and opened my mail I found out I had been charged for 17 over draft fees of {$35.00} each, total of {$590.00}, then another fee of {$590.00} for the 17 checks because it had been over 5 business from the first charges, a grand total of {$1100.00}. I naturally closed my account and told XXXX to XXXX XXXX XXXX. They have since charged me over an additional fees and put this on my credit report, and on some type of national bank registers that prevents me from opening another account with another bank.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Checking Debit Card Replacements : XXXX - Present + Since XXXX every replacement ATM/Debit Cards were left as open/active accounts even though they were replacements and the accounts closed once the new card was activated + I believe employees were ordering new cards on new accounts and not replacements debit cards + I believe this is the same Issue that XXXX is prosecuting Wells Fargo Bank for currently + I have not contacted a Lawyer, another agency nor have I taken any other actions as I just discovered on Friday XX/XX/XXXX + I would like to be included in the case and settlement against Wells Fargo XXXX open a new case if this merits doing so + The bank claims that their " system '' can not determine who opened these cards nor can their " system '' identify why individuals were allowed to bypass their own XXXX & XXXX protocols that are federally mandated + Their solution was to close all accounts and cards and resend a new Debit card and I said that I needed to take action against them before I would authorize that
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I made an error and underestimated the power of my credit. I forgot to pay my card and it caused me to get a 30 day late pay negative mark on my credit. Since this has happened I have opened a new card with the same company using it quite frequently and have paid it in full as I go. 
I 've learned a great lesson from this, pay on time and never be late. Credit is such a important tool and it must be respected. Thank you.
Consumer complaint received 2017-09-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The vehicle in question was having serious mechanical issues 3 months after I got it. I took it to their only " authorized '' repair shop and they had it for a month and had other from other stores come and look at it as well and they stated that it could not be fixed. They rebuilt the engine and said that the problem of gas shooting out of the tailpipe was a serious issue and they could not figure out what was causing it or how to repair it. Since the car was not drivable and they gave up and no longer would continue to work on finding the issue, that there was nothing that could be done. It was repossessed from the repair place and my request. However, I am not liable for this money that was owed on the loan because it could not be repaired into a drivable condition by the only repair place that they would allow me to take it to. This needs to be removed off my credit reports because I am not liable for this loan any longer.
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My account was fraudulently compromised by someone getting my account number and making fraudulent charges for XXXX purchases. I made Bank of America aware of the situation as soon as i noticed large sums of money missing from my checking account. They returned the money to me within 5 days. 2 months later Bank of America took the money back out of my account. After I called to inquire why, I was told that I had looked at my account to often to have not noticed the charges sooner. I explained to them that the small charges such as well {$1.00} did not cause and alarm for me to notice. However the {$100.00} caused a huge alarm and as soon as I noticed this I immediately contacted them. However here we are a month later and im still trying to get back my {$210.00}. The bank has now victimized me twice. First by allowing someone to charge on my account and now with them stealing my money as well. This is ridiculous!!!!
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

Issue started on XX/XX/XXXX. 

Coinbase app. 

I was studying fees on the app. 
I put in an amount more then was in my checking account. ( normally, with any other payment method i had used up untill this point, it would just reject a charge like this. ) Apparently with a checking account it goes through no matter what and will even draw the account into the negative. The amount was 1,000 's of dollar 's more than i could affort ( again, i was studying how the fees worked, if it was an exact percent, or how it scaled to the amount, and payment method. ) This is what i was trying to do/understand. 

So i had no other choice but to contact my bank and put a stop on that one charge. 

I still have funds and other payment methods i would like to use to invest in crypto currency. But being locked out of coinbase, also locked me out of XXXX. And it seems every other USA based bitcoin  purchasing avenue. 

I can understand how this is a problem for coinbase. But there was no explination ( that i saw or have seen ) that a charge to the checking account was capable of over drawing my account. Every other payment method simply doesnt go through if the amount exceeded funds/limits..
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

Synchrony bank via care credit, ran my credit for a larger line of credit but I did not authorize them or ok 'd them to do so. I called in XXXX to rectify this issue and it still seems to be on my report as a hard inquiry!