davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (DC)

XXXX and XXXX are involved in a SERIOUS breach of security relating to giving out credit card information to automatic billing vendors. On Friday, XXXX XXXX, XXXX, I picked up my new replacement credit card from XXXX from my XXXX XXXX XXXX I check this box once or twice a week for mail. I waited until Monday, XXXX XXXX, XXXX to call to activate the new card so I could call all the vendors that have automatic billing to give them the new credit card number ( as instructed in XXXX 's instructions with the new card ). When I called the vendor, XXXX XXXX XXXX XXXX XXXX XXXX, I reached the automated billing system. This system TOLD ME my NEW credit card number and NEW expiration date. I had NOT given AHS this information. I called XXXX to ask how XXXX got my new credit card number since I had just received it and activated it. The agent said CHASE does not give out that information and offered to change the card number. I called XXXX next. The agent said their file showed on XXXX XXXX, XXXX, the new credit card number was updated when XXXX sent an alert that my old card was going to expire and XXXX gave the new credit card number and the system synchronized and updated the number. ( The old card was valid to XXXX, but XXXX was dropping the military program and also changed from MC to XXXX so XXXX was issuing new cards to members. ) I called XXXX back again and spoke with XXXX in XXXX, XXXX, the Fraud supervisor, XXXX in the Disputes Dept and finally, XXXX, a Disputes supervisor. They all said they are not allowed to give out credit card numbers, however, did verify this new number was used for XXXX 's automatic billing on XXXX XXXX, XXXX before I even had the new card or activated it. XXXX kept saying CHASE did n't do it. XXXX the XXXX supervisor, says XXXX has an automatic account updater and XXXX did it. XXXX, in the XXXX XXXX said XXXX did it, but she did n't know how to answer my question and she forwarded me to her supervisor, XXXX. XXXX said XXXX does the automatic update and XXXX has some authorization on file with XXXX to allow this ( however, the other automatic billing vendors do n't have this authorization? ). She also could not answer my question : HOW WAS XXXX ALLOWED TO PUT CHARGES ON A CREDIT CARD I HAD NOT YET RECEIVED NOR ACTIVATED? ALSO, WHY WERE THEY GIVEN THIS CARD NUMBER WITHOUT MY AUTHORIZATION? None of the people at XXXX could answer this question, they took no responsibility, and blamed XXXX and XXXX. 

This is a SERIOUS breach of the security I should have over who has access to my credit card number unless I give it to them. Also, if XXXX and XXXX are automatically giving out credit card numbers to vendors this needs to be addressed immediately. If this happened to me, it 's happening to many other people also. 

Thank you.
Consumer complaint received 2017-09-12
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)

EQUIFAX, XXXX, XXXX All 3 credit reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

CapitalOne charged me an annual fee in XXXX on a card I no longer used. When speaking the Customer Service they stated they would waive the fee. When I explained I no longer used the card and would like it canceled the Customer Service member explained she can waive all fees so that I can keep the account. 

I was notified XXXX XXXX, XXXX that I has an overdue balance on my CapitalOne account. When I called I was told it was the annual fee and two late fees for not paying the balance. When I explained I do n't use the account and that I have n't even activated the credit card for that account and that I was told in XXXX that I would not be charged for this account as I did n't use it. They said sorry for the miscommunication but that they are going to charge me the annual fee again, and two late fees and report on my credit report the late payments. 

I explained I did not want the card, I did not activate the card so how can I be charge for a product that I did not use or activate. They stated there was nothing they could do.
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. (CA)

My sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. This is evident from checking against https : //trustedidpremier.com/XXXX which resulted in the message saying Based on the information provided, we believe that your personal information may have been impacted by this incident.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MD)

I had a credit card with Navy Federal Credit Union since XXXX. I had got behind on my payment around XXXX and called their customer service Representatives to make payment arrangements. I paid my payments on time and out of nowhere Navy Federal Credit Union turn my accounts over to a collection company.
Consumer complaint received 2017-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

This company bought this debt from the now defunct XXXX XXXX XXXX which attempted to charge me {$44000.00} for air lift for my so whom was severely injured in a rural area of Georgia in 2014. I believed that XXXX XXXX XXXX XXXX covered this expense and XXXX XXXX XXXX stopped contacting me. Meanwhile, unknown to me, Wakefield Associates,  continued to report me to collections and charge me interest.My son was covered under my medical policy at the time. This has ruined my credit.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MS)

On XX/XX/XXXX I purchased several XXXX prepaid XXXX gift cards from XXXX 's XXXX. Later that day I discovered I lost a card. I called the card customer service number ( XXXX XXXX ). At that time the representative issued a case number and asked me to send copies of the receipt and my driver 's license. I sent the requested information that day. The representative told me they would cancel the lost card and send me a replacement card. 

On XX/XX/XXXX, I discovered that I had the lost card that I originally reported as lost, but I had actually lost a different card. Again, I called customer service. They issued another case number and requested I send them a copy of the receipt and my driver 's license. I did that. 

I have called several times since I reported the lost cards, since I have not received them. Their customer service personnel have been unable to cancel the cards that were mailed to me or mail replacement cards. 

Each card had {$500.00} loaded to them. Again, there are two cards at issue. 

The case numbers : XXXX and XXXX
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

unknown Inquiries on my credit report. 


Date Filed XX/XX/XXXX Type Credit Unions Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX   XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX   XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Reseller Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance Companies - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
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. (CA)

According to the Equifax breach and my subsequent verification through their site XXXX XXXX XXXXXXXX on XXXX/XXXX/XXXX, my information was part of the data stolen. I signed up to enroll for their free TrustedID service for 1 year on the same date with that site but have not yet officially activated enrollment. 

I filed for a credit freeze on XXXX/XXXX/XXXX with all three credit reporting companies. I filed for fraud alerts on my account for 90 days with XXXX on XXXX/XXXX/XXXX ( which should propagate to the other companies XXXX.
Consumer complaint received 2017-09-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (AZ)

A letter was sent to Midland Funding inXX/XX/XXXX requesting  verification of a debt and also requesting that any and all correspondences be sent in writing. Today, XXXX XXXX, at apx XXXX XXXX I my employer received a phone call from Midland Funding regarding my employment status for an unverified debt.

It is illegal to contact an employer regarding an individual's personal debt.

This company Midland Funding, has not responded to my written requests to validate this debt and I am requesting that this debt be removed from all three of my credit reports because it has not only been over 45 days since they were contacted regarding proof of this debt, but have also ignored requests to not contact me or my employer by telephone.
Consumer complaint received 2017-09-12
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: Experian Information Solutions Inc. (MN)

XXXX recently announced an unprecedented data breach, which included my data. 

Name, Address, Drivers License, and other data was taken. 

XXXX has not given- a ) me any confidence that they can protect my data b ) me an explanation for the breech c ) any confidence in their published remediation plans d ) any confidence that their executives take this seriously, based on their minimal support for impacted customers e ) me the ability to order them to delete my data so that they ca n't have it be breeched
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 — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

On XXXX XXXX XXXX I hired Equifax to care for my credit. I pay {$16.00} monthly for Equifax ID Patrol service, which will continue until they allow a cancellation order on XXXX XXXX, XXXX to go into effect. On XXXX XXXX, I was informed by media reports there company had been hacked. On XXXX XXXX, I tried to contact Equifax, and was directed to go onto a site to see if I was one of the millions who 's identity information had been stolen from them. I was indeed one of the millions who 's identity information had been hacked. After many hours and days of working on notifying my banks, credit card institutions, retirement institutions, putting freezes and identity theft notifications on all my credit et cetera, Equifax has never contacted me by e-mail or otherwise, to notify me of there recent security breach. The very reason I hired Equifax was to protect my most personal and sensitive information. They have unequivocally failed to do this, and are still forcing me to pay for a service that I did not receive.
Consumer complaint received 2017-09-11
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: Experian Information Solutions Inc. (NY)

I have not yet received any information from the XXXX XXXX XXXX website It seems neither XXXX  nor Experian can verify my identity online. One concern is also that Experian asked me a question on the verification link re a mortgage application in XXXX - I never had a mortgage application in XXXX, so now I wonder if someone stole my identity?
Consumer complaint received 2017-09-12
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. (TN)

From equifaxsecurity2017.com, " I. What Happened On XX/XX/2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. Upon discovery, we acted immediately to stop the intrusion. The company promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/2017. 

II. What Information Was Involved Most of the consumer information accessed includes names, Social Security numbers, birth dates, addresses, and in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 consumers and certain dispute documents, which included personal identifying information, for approximately 182,000 consumers were accessed. In addition to this site, Equifax will send direct mail notices to consumers whose credit card numbers or dispute documents with personal identifying information were impacted. We have found no evidence of unauthorized access to Equifaxs core consumer or commercial credit reporting databases. '' Since then, I have used the site to verify that Equifax believes I was affected, and begun enrollment in TrustedID Premier. I have also filed a 90 day fraud alert with XXXX. I will continue to monitor my credit using XXXX through XXXX.
Consumer complaint received 2017-09-11
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: Seterus, Inc. (IL)

For some reason my mortgage company SETERUS is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60 days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XXXX XXXX the next payment that was reported after that was XXXX XXXX.
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. (NY)

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 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (NC)

XXXX XXXX denied my car loan application because of some insanely low credit score issued by some unknown, unprofessional company called XXXX They are a scam fishing for personal and private information and this has happened to tons of people on the internet. 

XXXX and XXXX need to be investigated and handled because it is trashing many people 's abilities to make purchases.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

The recent Equifax disaster and the handling of millions of people 's personal information being hacked and available for any person with ill will. Almost every American adult has now become vulnerable to financial ruin due to what is supposed to be a organization representing a pillar of trust failing to handle the personal information of almost every single adult American. What I have a problem with specifically, is the fact that I have no choice but to do business with them. I never signed anything saying any of the bureaus can have all of my personal info, but yet ALL of them have it just because that 's the way it works. And for them to act so nonchalant and not even alert the general public for weeks after the actual hack is absolutely ridiculous. And on top of that, there are reports that days after the hack, there were several Equifax executives that sold off stock because they knew their stock was going to tank. This is the dirtiest way of doing business and even though I know that they will get nothing more than a slap on the wrist from our government, I would love to see them get smacked with something that will actually make them hurt financially or even go under because this entire situation is unacceptable.
Consumer complaint received 2017-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (MI)

On XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>, my debit card number was stolen by someone who used it at a XXXX XXXX 2 hours away from my house. I did not authorize this use, nor did I ever lose the card. This fraudulent charge was for approximately {$1200.00}. I immediately called Simple and blocked my card and reported this as fraud. 

Simple granted me a provisional credit onXX/XX/XXXX and initiated an investigation, during which they asked if I had ever visited that XXXX XXXX store ( I had not ) and if I knew a person that they asked about ( I did not ). 

OnXX/XX/XXXXXX/XX/XXXX Simple declared that there had been no error on the account and that they were not going to honor my dispute for this fraudulent charge, and they would be removing this money from my account again onXX/XX/XXXX. I have not been able to speak to anyone in the disputes team to understand why this team found me at fault. 

I have filed a police report and will be sending this report to the Simple team today.
Consumer complaint received 2017-09-12
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.
Consumer complaint received 2017-09-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I believe Experian is in error regarding their completed Investigation ( Report number : XXXX ) of a dispute I initiated regarding my personal Credit Report file. Section 609 of the Fair Credit Reporting Act ( Federal Law ) does not care if the Hard inquiries are valid or not. The dispute centers on the CRA 's ( Experian 's ) right to REPORT the Hard inquiries on my Credit Report file ( without providing tangible proof of proper verification via copies of original signed credit application documents as demanded ) NOT whether or not the Hard inquiries THEMSELVES are valid! And absent tangible proof of proper verification, the Hard inquiries would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified Hard inquiries MUST BE DELETED from my Credit Report file. Furthermore, Experian HAS ALREADY deleted 10 of the 34 disputed Hard inquiries, thus setting legal precedent for and nullifying any legal argument against the validity of my complaint.
Consumer complaint received 2017-09-12
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. (TX)

When i try to apply for credit im told theres a fraud freeze on my credit reports. I never applied for a freeze, i have no information of this and i want this removed from my credit reports immediately
Consumer complaint received 2017-09-12
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)

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