davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
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)

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 2017-09-13
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: Experian Information Solutions Inc. (CO)

I recently disputed information with Experian and they once again refuse to abide by the law. Section XXXX of the FCRA specifically states that I as a consumer have the right to ask for PHYSICAL PROOF to support their verification process and they REFUSE to give me the information that I am asking for. The following items are still be listed on my credit report and they simply send me a new report stating the creditor verified the information. They are liars, frauds and are breaking the law. I am demanding that physical proof be sent to me. The law does not state that I have to contact the original creditor, The credit bureau has to provide the information that I am asking for and they WILL NOT Do it. 

Experian is reporting the following information and refuses to send me Physical Proof to show the account is 100 % compliant with the law meaning it is 100 % verifiable, 100 % complete and 100 % accurate. 
I am also wanting to report a XXXX XXXX Violation as they are not supplying me with full complete line item information. 

XXXX. XXXX XXXX XXXX. Listed with partial account number XXXX and this is a medical collection which is VIOLATING XXXX as no release was signed by me. 
XXXX. XXXX XXXX Services Listed with a partial account number of XXXX They refuse to send me physical proof. The burden of proof is not on me it is on you EXPERIAN to provide physical documentation or remove it. 
XXXX. XXXX XXXX Listed with a partial account number of XXXX they say the account meets the requirements of the FCRA. IT DOES NOT. No physical proof has been supplied to me even when I request it. They are reporting erroneous and inaccurate information against me with this one. XXXX can not provide a signed contract so how can Experian Verify it, they cant!
Consumer complaint received 2017-09-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I have confirmed I am part of the Equifax breach. I called the number they show as contact to find out more information on the breach. I was not given any information at all other than someone reading the exact wording that is already on the website. They can not tell me specific information about what information was breached form just myself. If it was credit card, or banking accounts, if it was drivers license or any specific information. If my bank acct number was breached, I need to know so I can open up an new account. If my credit cards were breached, I need to know so I can open up new accounts. And the same for any other information. This will cost me and businesses thousands of dollars to make these changes. But Equifax will not tell me. Just states they apologize for the inconvenience. Then I would have to PAY to freeze my accounts. Equifax should PAY to freeze all XXXX credit bureau accounts for me. I find it fascinating that they are allowed to do this. And that they are allowed to post on their website to call a number for more info only to be told the exact wording on the website and then " refer to the website for more info ''. So it is just a circle on non information. This needs to be corrected so we can KNOW SPECIFICS of what information was breached for each individual and Equifax should pay for the remidiation to correct such as free credit freezes and unfreezes for life.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OK)

OnXX/XX/XXXX ( XXXX CST ), I noticed several charges had been placed on my American Express Bluebird card. I have my paycheck Direct Deposited to this account, and it is the only account I have. There were several charges. I immediately contacted my card company, and informed them there was fraudulent activity on my account. The charges were still " pending '' at that time. Total of all charges was around {$700.00}. They informed me that I would have to wait for the charges to complete and then call back to continue the fraud report. I was told to destroy the card, which I immediately did. The next morning ( XX/XX/XXXX ) the charges began to complete and I immediately called American Express back. I was informed that I would have to complete a " Declaration of Fraud '' form, which they would email to me within 2 days. They would then proceed with their investigation, and get my money back to me. The next day I got an email telling me my account was suspended and they list the reason as me having violated their terms of service ( something I in no way did. ) I have been back and forth with them on the phone ever since, getting the run around and being told " we are going to escalate this case ''. I finally received the " Declaration of Fraud '' form this evening (XX/XX/XXXX ), but now I ca n't even fill it out, because I have no way to access my account to get the information the form requests. They say I have another 6 days to finish the form, but when I called again today, I once again get the run around. I luckily took a screen shot of some of the fraud charges, all from the XXXX of XXXX : {$100.00} [ XXXX XXXX, {$200.00} [ online purchase ], {$1.00} [ XXXX ], {$1.00} [ XXXX ], {$96.00} [ XXXX ], {$96.00} [ XXXX ], {$61.00} [ XXXX XXXX XXXX ], {$120.00} [ XXXX ], {$11.00} [ XXXX ], {$1.00} [ XXXX XXXX. 
I absolutely did not make these purchases. I do n't use XXXX, or XXXX, or XXXX XXXX and it seems to me that it would be fairly easy to track exactly who DID use my card for these purchases. Instead I am being given the run around by a group of " fraud specialists '' with names that include : XXXX, XXXX, and XXXX at American Express. I have attempted to file a police report, but they wo n't file the report until I can document the fraud with documents that American Express wo n't get me. I just want my hard-earned money back. I have no way to pay my bills, put food on my table, or even put gas into my vehicle so I can go to work. 

I have never authorized anyone else to use my account, nor have I ever provided my account information to any other person.
Consumer complaint received 2017-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Performant Financial Corporation (OK)

In XXXX XXXX, my loan had been serviced by XXXX I sent information to renew XXXX about 6 times. They claimed they never got it, and then they told me that income information had to be on my copmany 's letterhead, in a postmarked envelope. The day I sent them the information, they placed my loan in default and placed it with collections. They told me there was nothing they could do, and I would have to make 9 payments to have it rehabilitated. 

It was placed with Performant Recovery. I made direct-debit payment arrangements with them to deduct {$51.00} per month from my checking account. The payments were made, but at the end of 9 months, there was no word from Performant. I tried contacting them and all that happens is I get put through to leave a voice mail with someone, but no one calls me back. I get mailed notifications every month, addressed to my home address, so I know that the company has my contact information. 

Each month the auto-draft check is made out to XXXX XXXX XXXX XXXX XXXX XXXX Account. I have copies of the checks and the backs of the checks where these have been cashed. To date, there have been 44 checks auto-drafted. 

XXXX ( Federal Student Aid ) shows my loan to be in default, with the servicer as XXXX the lender as XXXX XXXX XXXX XXXX XXXX XXXX, and the current guaranty agency as XXXX XXXX XXXX XXXX XXXX XXXX. 

I contacted XXXX. They state that they do not have my loan and that XXXX XXXX has it. I contacted XXXX XXXX, and they state they do not have it, that Performant has it. I contact Performant and most times no one calls me back. On the one occasion that someone did contact me, they left a voicemail on my phone with a phone number that only sent me to their voicemail. I left a message, and no one called back. This is a continuous loop that has happened over the 4 year period of time. 

I want my loans out of collections, and I want them out of default. I have included uploads of various canceled checks. My bank goes back 18 months online, but the consecutive numbering of the checks can be seen along with who they are made out to and the stamps on the back where they have been cashed.
Consumer complaint received 2017-09-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have sent the forms for the Income Contingent Repayment plan 3 times, but they say they still have not received those documents. I have submitted the documents through their online portal. I have proof via screen grabs that I have sent them the forms.
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 — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

I detected fraud on my company 's Chase XXXX XXXX XXXX on Friday, XXXX XXXX, XXXX. 

When I called to report this to them, they said that they would rush deliver a new credit card under my name to my apartment as soon as possible. 

However, when the credit card finally arrived on Monday, XXXX XXXX, XXXX, it was the wrong credit card. They issued a new credit card for my manager and sent that to my address instead.
This was completely unnecessary as I reported fraud on MY credit card, not HIS, yet they sent me a replacement card for HIM and MY new credit card was nowhere to be found. When I contacted Chase XXXX XXXX XXXX services, they were vastly unhelpful and unapologetic for an error that they created. 

Now, my business has lost 2 days without having my credit card on file and Chase has not owned up to their mistake. This is completely unprofessional and unacceptable. Due to their incompetence, we now have to wait approximately 2 more business days until I get my new card. 

Terrible customer service. The representatives I previously spoke with on Friday, XXXX XXXX, XXXX were unhelpful and obviously unfit to handle this situation. However, much worse were the representative AND supervisor ( XXXX ) that I spoke with on Monday, XXXX XXXX, XXXX. Absolutely horrendous.
Consumer complaint received 2017-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was completely stunned as soon as reviewed my credit file and I found the past due payment of 30 days lates os af XXXX 2017 I  truly do n't understand how this error has gone wrong. I really believe that I had produced my fees to you as soon as I was given my monthly bill. My sole thinking is the fact that your monthly report did not make it to me. How can I have a late charge when I sent in the payment?
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (GA)

On XXXX XXXX XXXX I sent a letter to this collection agency referencing an alleged debt in the amount of {$490.00}. I sent specific request for verification of the alleged debt they said I owed. The Collection agency returned a statement showing the alleged account was opened in XXXX. I have no such knowledge of ever opening any account with alleged creditor or collection agency. 

I also sent written request for collection agency to provide documentation of : signed contract by me of the alleged account, verification from original creditor of date of initial and last payment of alleged debt, documentation collection agency purchased the alleged debt from original creditor to include a copy of agreement and or contract. 

The written request from me to the collection agency clearly communicated supporting documentation needed to support their claim. The requested documentation was not returned. This is why I am requesting the assistance of the Consumer Finance Protection Bureau. 

A fair resolution to this issue calls for the collection agency to either provide the requested documentation in it 's entirety to valid the alleged debt or, to immediately remove the item reported to all three Credit Reporting Agencies : XXXX, XXXX and XXXX.
Consumer complaint received 2017-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have a HELOC loan. Originally with XXXX XXXX as interest only. sold 3 times from XX/XX/XXXX. each time it was sold i confirmed with new servicer what agent originally told me, that loan was interest only for life of loan. current servicer is XXXX XXXX. Horrible customer service. Sold approximately 7 months ago. 

First payment amount incorrectly calculated. called, they said too bad that 's the way it goes and " it will all work out in the end ''. the first payment was {$500.00} above what i owed, i paid, the next month it was credited. I HAVE NEVER MISSED A PAYMENT OR BEEN LATE EVER WITH ANY SERVICER, INCLUDING THIS ONE. Payment due date on XX/XX/XXXX of the month. 

Next several monthly statements all have 3 figures on them, " Principal balance '', " credit limit '' and " previous balance ''. none of those figures make sense, as have all changed and appears balance which interest is being calculated on is going up, not down. Payment interest only was around {$1100.00}. always paid that. XX/XX/XXXX went up to XXXX called and tried to understand but little help. Paid it. 

Called to find out XX/XX/XXXX payment and told it was now {$3000.00}, up a total of {$1900.00} additional in 2 months. Started calling on XX/XX/XXXX re problem. No help, rude people. Talked with XXXX on XX/XX/XXXX. Talked with XXXX XX/XX/XXXX. another call XX/XX/XXXX. Talked with XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Told her XXXX XXXX had called me, i talked with her, she agreed there was something wrong but was leaving that day for vacation of 2 weeks and was turning over to XXXX XXXX (? ) to do a spreadsheet on what was happening and he would contact me. NO RESPONSE at all. 
Told her NOT TO SEND ME TO XXXX 's VM as i knew she was on vacation. She put me on hold and next thing was XXXX 's VM even though i had told her. 

Called back and asked for XXXX. Was told by XXXX XXXX ( really nice woman finally ) that i knew he worked in the evening but had been 5 days since XXXX referred to him and still no WORD. She gave me name of XXXX 's supervisor, XXXX XXXX, but he was in a meeting. She was going to send him URGENT email as well as put me through to his VM and i left an urgent message. 

This company is absolutely horrible to deal with. I believe there calculations from the very beginning may have been wrong, and no one is willing to take on a request for explanation of recalculations of payments or any responsibility as i can see. I hoping for some help from XXXX. I will see. BUT I DO NOT RECOMMEND THIS SERVICING COMPANY AT ALL. I intent to also file a complaint with the State of South Carolina where their home office is located, as well as the State of California where i am located. 

I can not imagine how many other people are or may be being overcharged on their mortgage payments and no oversight and/or losing their homes to this company where you ca n't get any help. Thank you.
Consumer complaint received 2017-09-12
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. (CA)

I believe the 30 day late payment marker on my credit report by Roundpoint should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my roundpoint mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from roundpoint that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that roundpoint has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case roundpoint did not get my statement out to me on time.
Consumer complaint received 2017-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had a Home Equity Line balance with this lander and was supposed pay {$98.00} interest this month from the checking account of the same lander, but checking account had only {$78.00}. Because of this insufficient money of about {$20.00}, they charged me the following : XXXX/XXXX/XXXX {$35.00} XXXX/XXXX/XXXX {$30.00} XXXX/XXXX/XXXX {$30.00} XXXX/XXXX/XXXX {$30.00} XXXX/XXXX/XXXX {$9.00} This is just an example how this lander always over charged the customers for different products. I can give more examples how this lander always over charge the customers for another product such as for Home Equity account. 

I think it needs a through review of this lander 's business practice.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have not yet received any information from the Annual Credit Report website It seems neither Transunion nor XXXX can verify my identity online. One concern is also that XXXX asked me a question on the verification link re a mortgage application in 2014 - I never had a mortgage application in 2014, so now I wonder if someone stole my identity?
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)

Equifax 's hacked system compromised my personal identifying information. I 've had to spend countless hours to ensure I am protected since so much of my information was reportedly compromised. Not only does this include educating myself fully of the situation, but also placing freezes on my credit, signing up for credit monitoring, pulling my reports and analyzing anomalies, and many hours learning how to fully protect myself ( and I 'm sure I 'll spend many more hours fighting the inevitable attempts at my identity being used ).
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)

On Friday, XX/XX/XXXX, it was reported in major news outlets that Equifax had suffered a massive data breach which exposed some 143 million records to unknown assailants. These records included very sensitive information such as Social Security numbers, credit cards numbers, addresses, and more. In short, the type of information which is essential for performing identity theft. Shortly thereafter, Equifax set up a website called equifaxsecurity2017.com which purportedly let you check if Equifax believed your data had been accessed, and sign up for a identity monitoring service. What they failed to mention in easily noticeable writing was that signing up for that service waived all your rights to a class-action lawsuit. Furthermore, it came to light that Equifax sat on this breach for some time before notifying the public. In the interim, several executives sold approximately {$1.00} million dollars worth of shares. Leaving aside the allegations of insider trading, the fact that Equifax did not  IMMEDIATELY notify all potentially affected consumers is atrocious. They did not, as far as I 'm aware, institute any sort of fraud alert for affected consumers, leaving a wide open window of opportunity for anyone wishing to abuse the stolen data, and leaving millions vulnerable to identity theft. Regardless of whether they should have been spending more on their security infrastructure, their actions in response to this breach have been slow and lacking, to say the least, and potentially criminal.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion 's page for credit freeze has been down or non-functional since the XXXX hack last week. There has been no response from the company. As of now, it is not possible to freeze credit with TransUnion. 

https : //freeze.transunion.com/index.jsp