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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SECURITY FINANCE CORP (NC)

The only problem I have with PFS is they told me they report to all three major credit bureaus and that was almost a year ago, my loan still has not showed up on my credit. The hard hit has, but not the loan. The only reason why I bought my vehicle was to build my credit. I bought this vehicle to build my credit because I had very little. I was hoping to not even have the car this long. I was going to trade it in for something better once my score went up some. I have asked them multiple times about this and they say they are working on it that it could take another year for it show. Everyone I have spoke to says it never takes that long for a company to report your loan. I 'm sure if I did n't pay they would reported nonpayment to all three major credit bureaus in two seconds. Just very frustrating. I have made all of my payments on time with PFS even made early payments.When I went to trade in my XXXX XXXX the dealer from XXXX XXXX said my credit score was bad because I had not made any payments on my XXXX, and the credit report showed that I never owned the XXXX or taken a loan out for the XXXX. Now mind you I have proof of all my payments that I have made. They have totally ruined my credit and when I called them they said their system had been down for a year-and a 1/2 and that theyre not required to report to any credit bureaus.. please help me ... Ive reached out to them, spoke with XXXX XXXX no results. Reach out to XXXXXXXX XXXX, No results ... Im XXXX years old I shouldnt have to go through this just because I was a first time buyer. If we make an agreement it should be written in stone. Please help me. This is madness For every payment be reported to all three major credit bureaus or the corporation can have the vehicle back with no penalty or expected charges or fee due to no wrong doing on my behalf.. 

I have proof receipts of all my payments made and I also have proof of other complaints from people this year who have problems similar to mines with PFS none are good.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is listing a credit collection account ( XXXX XXXX - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with Transunion explaining to them that this collection account does not belong to me. Transunion sent me a response and said that they verified it does belong to me and I would need to contact XXXX XXXX directly if I disagreed with their decision. So I wrote XXXX XXXX a letter and told them they were listing a collection account that does not belong to me. I asked XXXX XXXX to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from XXXX XXXX. Since XXXX XXXX can not validate this alleged debt, Transunion needs to delete it from my credit report.
Consumer complaint received 2017-09-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: REGIONS FINANCIAL CORPORATION (MO)

I was gifted a car after the XXXX of my grandmother a year ago in XXXX. When I went to pay my sales tax and get the title transferred into my name I was told I needed a proof of. lien release before I could transfer title. The front of title under lien holder was signed and dated as released. I went back to my local DMV on Wednesday XXXX XXXX and told them the Lien Holder on the title was no longer in business. It was the XXXX XXXX XXXX XXXX out of XXXX, TN. The woman gave me the number for the XXXX XXXX XXXX XXXX XXXX XXXX opt XXXX. She seemed sure they would be able to help me. I left a message for a woman named XXXX and never got a call back. So, Thursday XXXX XXXX, I called again and spoke with her. She said informed me I needed to speak to someone at the OCC because they would have the information I would need to get this one little piece of paper. The number she gave me was XXXX. When I called the lady I spoke with searched for the bank listed as lien holder and she came up with a bank called Regions that was now based out of Alabama. She told me that unfortunately she could n't help me any further but she would give me the information for the company she had listed to handle all complaints for Regions Bank. Their address was XXXX XXXX XXXX XXXX, IA XXXX and contact phone was XXXX or online at www.consumerfinance.com. I then called them and a lady by the name of XXXX answered my call. After my discussion with her I had come to the conclusion that until then I had just been passed around from number to number so they did n't have to handle my issue. She informed me that my best bet would be to file a complaint on Regions Bank and wait for a reply from them. So, here I am doing my best to keep my sanity and hoping to find a solution to this whole proof of lien release needed from a company no longer in business in which I have gone a year past the date given the vehicle without being able to license it. I have attached a scanned copy of the title to this complain,
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. (MA)

Equifax leaked my credit report and other personal information ( as reported by their website https : //www.equifaxsecurity2017.com/ ), along with that of 143 million other Americans. It is readily apparent that for such a significant breach to occur, Equifax does not take information security seriously enough. 

Other concerning aspects of this breach include the lack of timely disclosure by Equifax ( over 5 weeks )  and the above website reporting whether consumers were impacted by the leak that appears to yield random responses ( I visited the site several times and got alternating answers each time ). 

I contacted Equifax 's call center with my concerns about the leak and the website and was encouraged to sign up for fraud monitoring. This response does not address the root of the problem, that Equifax does not take my, and other Americans ', personal information and identity protectional seriously.
Consumer complaint received 2017-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

A payment I made in XXXX 2016 was never credited to my account. The payment was sent to the wrong servicer in error, and I was assured by both servicers ( XXXX and FedLoan ) that the  payment would be credited. To this day neither servicer claims to have received the payment despite documentation that my bank account was debited.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Commonwealth Financial Systems, Inc. (FL)

I do n't have a clue who this account belongs to and why the heck it 's on my credit report. Please do n't use your bogus tactics purchasing accounts and placing them on my credit, your seriously breaking the law right here. I am challenging you to show me proof of the verification process. You must report 100 % accurate verifiable information.You are clearly violating the law in this case according to The Fair Credit Reporting Act. 609 requires proper verification according to established case law involving the credit bureaus so there you have please remove this account within 24 hours or I will go down to the court house and file a case on you real fast. I do n't play no games with my credit. It better be off my credit by XXXX XXXX, 2017 Wednesday to avoid court fees and civil case. 

1. XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-09-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

this extortionist XXXX wants me to pay them for violating thier end of the cardholder agreement. 

refuses to reverse transactions-allow 4 fraudulent trnasactions wo my consent refuses to reissue card ( XXXX refuses to do it ) refuses to update address ( 3mos ongoing, mail was stolen ) refuses to ack IDT.gov report abuses my credit file to extort me for money ( a felony ) but refuses outright to deal with the matter. Ive snet over 6 emails and letters to CEO. keeps munging my accounts. will not close wo payment ( extortion ).
repeatedly " updates '' to avoid penalties w the bureaus ( as do other companies ) yet there is no paper trail whatsoever sent to me.
was never late previously but reports as such and denies me credit because THEY CLAIM I was late. I had upright law firm on retainer. THEY COULDNT COLLECT ANYWAY.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (OH)

Equifax stored personally identifiable information in an unsecure fashion allowing hackers to easily steal it. They waited over 2 months to reveal the loss and executives cashed out stock prior to public ally acknowledging the theft. They offer credit monitoring service, but fail to offer credit repair service for free - a likely necessity for those of us in the breach. They also want us to give up the right to sue them or join a class action lawsuit.
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 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 2017, 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 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.
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: EQUIFAX, INC. (NC)

I tried to set up a credit freeze with Equifax on XXXX/XXXX/XXXX. According to the document on their website, as a resident of North Carolina, if I submit a request for a freeze on their website, there should be no charge ( {$3.00} fee for phone or mail requests ). When I entered in all of the information to put the freeze in place, it would no go through until I entered in credit card information so they could charge me {$5.00}. I refuse to do this as this charge violates state law. 

Thank you!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was reviewing my credit report and found numerous errors relating to XXXX  loan late payment history. The credit report agency has the responsibility to report accurate information. During the government shut down aka the PANDEMIC XXXX late payments and collection status was placed on each U.S DEPARTMENT OF EDUCATION LOAN ACCOUNTS ... AS THIS REPORTING NOT ONLY INACCURATE BUT ILLEGAL. XXXX  LOAN PAYMENTS WAS PLACED ON PAUSED DURING THE PANDEMIC XXXX  LOAN PAYMENTS RESUMED IN THE FALL OF XXXX. 
If you click on my XXXX  loan payment history it shows late payment and collection status was inaccurately reported during that period. 
I've contacted each credit bureau, filed multiple complain reports, and they neglected my concerns. I also sent certified letter to XXXX on XX/XX/XXXX. I was told they never received it, I will attached the certified receipt below. 
I also contacted the US DEPARTMENT OF EDUCATION and I was told they did not report any late payment on XXXX  loans during the PANDEMIC. 

XXXX XXXX TRANSUNION
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. (CA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX/XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-01-19
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)

This dates back to XX/XX/2011. I had a deferred loan and one I was paying regularly on. I submitted my payment for the loan that was due and Navient applied the payment to the loan that was deferred, ignoring not only the loan number was different, but that the payment was not due on the deferred loan. I received a call stating that the loan payment on the open loan was late and then questioned them on where they applied my recent payment because it was not late. They could not find the payment at first, but after about a half hour on the phone, they were able to track down that the payment was misapplied ( their fault ). At first I was told that they would re-direct the funds to the open account. So I thought, a few weeks later, I received another call that it was late still. When I called back, they still had not transferred the money. Finally, after over a month, they finally moved the payment, however, I just recently applied for a mortgage, and they are denying me because of the late payment to Navient XX/XX/2011!!! Even though Navient knew it was their fault and their responsibility to rectify, they still reported me to the credit bureau as late! I have a print out of all of my payments to them since my loans started and I do not see anywhere where there was one ( 1 ) XXXX day late payment. How can they be reporting this? I have no other late payments to them except for the one they are reporting and it was not my fault. I did not even know it was even on my report until the credit denial! I have had nothing but issues with them since the start of my loans and feel like I have continually had to keep an eye on how they apply my payments. Their reporting practice is horrendous.
Consumer complaint received 2024-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WorldRemit Corp. (LA)

Can not update phone number from XXXX to new number and can not log back into account. Failure to have option to be transferred to customer service via automated service. Company provided contact link which caused the run-around, and this is why they have an F rating. Why put me though that and you know you your automated service hangs up with limited options?
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my XXXX credit report. Per the advice of a XXXX rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my XXXX credit report. Per the advice of a XXXX  rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (NY)

Hello, After the XXXX  data breach, I used the XXXX website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, XX/XX/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, XXXX, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX  - {$5.00}, XXXX - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!
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. (CO)

Equifax lack of security controls exposed my credit and identity information to hackers. This is unacceptable. Their after-the-fact protections are highly lacking and leave the responsibility in my hands to correct and monitor all activity going forward. This could be extremely costly, time-consuming and ineffective at protecting my information. Unacceptable for a company that should be solely concerned with this as their mission.
Consumer complaint received 2017-09-09
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. (MI)

The recent Equifax hack has stated I 've possibly been effected. I 'm upset with the time it took for this company to relay important information to the public regarding the hack. Seems like some insider trading was being done as well if the stories online are true about CEO 's selling off their stock before informing us.
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. (NY)

On or about XXXX of XXXX Equifax failed to keep my personal information secure. Equifax admits my information was stolen and that their security measures failed. Equifax is offering 1 year of credit monitoring service free of charge however my personal information is permanent and I will still be vulnerable for the rest of my life due to Equifax 's negligence. 

Further the information that Equifax mishandled can be used to access any account I hold or will hold anytime in the foreseeable future.