davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

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 2017-11-08
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. (TX)

I have contacted Equifax and XXXX XXXX XXXX at least 10 times over last 3 months. There are 2 collection accounts on my report that are clearly not mine. The Collection company does not even have my social security number or name in their system. They said it was a file merge that 's how the account showed up on my file. They have contacted Equifax over and over to verify this is not my account and Equifax refuses to remove this account in a timely manner.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion charged me XXXX twice on XX/XX/2017 after accessing their site to research credit monitoring. I never authorized a charge or provided a credit card number.
Consumer complaint received 2017-03-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Resolution Corporation (MO)

I have repeatedly requested that Account Resolution Corporation provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2017-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (AR)

I co-signed for a loan on a used car with the auto loaner Santander. The head of the account became defaulted on the loan against my knowledge. I never received any correspondence from Santander regarding this unpaid car payment. The car was later repossessed and I did not receive any notices regarding reinstating the loan or the sale of the vehicle. No notice of default, no notice of redemption/reinstatement, no notice of sale and to this day, still no notices of post-sale deficiency. Had I known anything about this going on with the account I could 've tried to avoid the repossession all together. Now this deficiency is on my credit report. I still have not received any written correspondence from Santander. Pulling my credit report is the only proof I have of the deficiency. Because of Santander 's failure to contact me, I am now being held liable for the deficiency at no fault of mine because I was not aware of the defaulted loan, the repossession or the sale of the vehicle. I am pretty sure Santander will try to come up with something to fight my complaint. I would like for them to please provide a signed copy of the initial contract, copies of the legal notices sent out regarding this account and proof of the resale of the subject vehicle.
Consumer complaint received 2017-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (TN)

In XX/XX/XXXX I defaulted on an AAFES credit card with a balance of {$6800.00}. The matter was turned over to XXXX for collection. ( I selected the items on this site that best described my issue but it was not an exact match ). XXXX first garnished my military XXXX for 6 months in XX/XX/XXXX. I can not find records of this. They then garnished my wages from my employer XXXX XXXX in XX/XX/XXXX through XX/XX/XXXX. I have evidence of this in my attachments. I started a new job in XX/XX/XXXX and in XX/XX/XXXX XXXX garnished my wages from XXXX XXXX XXXX and are still presently doing so. In XXXX of this year XXXX garnished my military XXXX once again and are now garnishing both my work wages and my XXXX, leaving me no disposable income. All my earnings go to obligations with very little exception. I am attaching the last statement I received from AAFES which shows just last month they collected {$830.00} from me. 
I have spoken with XXXX on several occasions and they will tell me nothing, simply refer me to AAFES. AAFES told me in XXXX of this year that they show no record of collections from me until XX/XX/XXXX. I am attaching summaries from XXXX that show a garnishment in XX/XX/XXXX and XX/XX/XXXX. AAFES only started sending me statements this year after I complained to them. The original billing from XX/XX/XXXX was for {$7900.00}. In XX/XX/XXXX, they stated my debt was then over {$13000.00}. In XX/XX/XXXX, the debt was still listed as over {$13000.00}. The statements finally started showing a decrease in the debt. I am not sure what I can do to prove all the garnishments but I hope I provide evidence of enough to show that XXXX collected a substantial amount from me without forwarding all they collected to AAFES. AAFES offered me no solace. i was told that they were a government agency and they could do what ever they want and they claim they gave me chance to negotiate. I did receive a notice of this but when I inquired they would not set up any payment agreement. Any assistance you can offer will be appreciated.
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. (NC)

I have not contacted Equifax, because they have no contact information. 

My complaint is against Equifax and the 143 million credit records that were hacked. I fear all my personal financial/identification has more than likely been compromised ; yet, Equifax did not make this hacking public until 30 days after the fact giving Equifax executives time to sell their stock in the company. 

Equifax has offered no solution, protection to the individuals that they collect information about. I kindly request that the Consumer Financial Protection Bureau hold them accountable - personally and financial to any of us that have been put at risk. 
Thank you.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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, X/X/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, Transunion, 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}, Transunion - {$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 2017-09-09
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. (FL)

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 2017-09-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB, my home that was taken from in XX/XX/XXXX and i was told by bank of america that the it was conveyed back to XXXX XXXX and there is still no one occupy the property, at this moment i am pleading with CFPB to allow me to pick up from where i fell off and lower my monthly mortgage payment and allow me to return to my home, i choose this property in XX/XX/XXXX left my footprint in the dirt then watch my home { The XXXX Model } built and then in XX/XX/XXXX i move in, I was so exited, as a single parent raising XXXX children and wanted the best for them i choose a neighborhood i wanted them to be safe so i knew then i had to work hard to keep up with my mortgage and that exactly what i did, i even open my own business and then the recession hit i fell back on my mortgage payment i spent XXXX of dollar to Lawyers and Agencies to help me save my home but unfortunately because the lack of my knowledge my home that i built and lived for fifteen years was conveyed back to the investor XXXX  XXXX, and right now i am pleading with XXXX XXXX please to have some mercy and allowed me to go back home
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

I checked the Equifax potential impact website, and after entering my information, I was informed that my private personal identity information had probably been compromised in the recent breach. My understanding from news reports is that Equifax became aware of the breach in late XX/XX/XXXX. As a resident of California, my private personal identity information is subject to the data security and breach disclose laws of California Civil Code XXXX ( Security Breach Information Act ). I was not contacted by the company directly or made aware of the breach until I heard the news in the general media yesterday, XX/XX/XXXX. I do not consider that to be the most expedient time possible, as CCC XXXX states. The news also noted that in early XXXX, several Equifax executives sold over a $ million of stock, which declined about 13 % in value when the news of the breach was made public. The company, which markets and sales data security services, clearly does not understand the responsibilities of data security and breach notification. There are two other credit reporting agencies. Therefore, the loss of Equifax will not cause major damage to the credit reporting marketplace. All efforts should be made to punish the company to the full extent of the law, including closing the company, if possible.
Consumer complaint received 2017-11-08
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: Bayview Solutions LLC ()

On XXXX/XXXX/XXXX a company by the name of " Bayview Solution LLC '' pulled my credit report without my  authorization. I have a hard inquiry on my report and they illegally obtained my credit file by stating that the purpose of their inquiry was " installment loan inquiry ''. I contacted the credit bureaus and Bayview Solutions LLC directly to place a complaint and ask them to remove this fraudulent inquiry from my report. They did not help and Bayview Solutions LLC customer service agent cursed at me and hung up the phone on me. They will not say why I have a hard inquiry on my credit report.
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. (IL)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX 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. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST INTERSTATE BANCSYSTEM, INC. (SD)

We have had this mortgage since XXXX and we have always had an escrow account to pay our taxes and insurance. The mortgagor did not pay the homeowners insurance again. Stating that they did not receive a bill from XXXX. Well according to XXXX they had the address that they have always had which is an address in XXXX XXXX, SD not XXXX, WY. SO when I contacted the mortgage company they told me that it was my fault that they did not receive the insurance bill to pay it. That it was in our mortgage contract that it is our responsibility to make sure that they receive the bill. Now keeping that in mind we have had the same homeowners insurance much longer than we have had this mortgage company. So if they received the bill the last 3 years and paid it ; they should have received the bill this year and paid it. Also the mortgage company says it has 30 days after the due date to ay the bill. That is the biggest lie I have ever heard. That is not the case and XXXX confirmed that. I do not appreciate paying a mortgage company for escrow when they refuse to take responsibility for paying the homeowners insurance.
Consumer complaint received 2016-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (OH)

This is a Debt that I do not owe. XXXX XXXX XXXX Phone service. 
This was a land line I had in my home for many years. 
in fact this so called Debt is over 4 years old. I had phone service with XXXX XXXX XXXX at home and there was some long distance charges on my bill that I did not make, this has happened several times which XXXX XXXX XXXX corrected, so XXXX XXXX XXXX suggested that I make a package change which would help, so trusting them I did make a package change with XXXX XXXX XXXX. Upon the change they tried to charge me the rear amount of the bill that they corrected and I did not owe, so I stopped service with XXXX XXXX XXXX with my land line.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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: Complete Credit Solutions, Inc. (FL)

Parking Old Debt On Credit Report - re-aging a debt. 

In XX/XX/XXXX, a new debt appeared on my credit report, and consequently have lowered my credit score. Upon my investigation I found out that this is an old debt that has been re-aged. 
This debt in question was opened in XX/XX/XXXX by XXXX XXXX and an amount of {$430.00} was charged off. 
Re-aging an old debt is illegal no matter when the old debt was re-purchased. From previous response to my complaint, the collection agency is well aware of the age of the debt. Here is their response : " CCS Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX web portal response XX/XX/XXXX The account in question was purchased by Complete Credit Solution , Inc. ( CCS ) XX/XX/XXXX. The account was originated through XXXX XXXX XXXX ( XXXX XXXX ) account number XXXX on XX/XX/XXXX. The last payment date was XX/XX/XXXX. The first delinquency date was XX/XX/XXXX.The charge off date was XX/XX/XXXX and the charged of amount was {$430.00}. As of this date, our office has had no contact with XXXX XXXX regarding this account. I believe his reference to communication at his place of employment or other locations reference in his complaint was prior to our purchase date of XX/XX/XXXX. In an attempt to resolve this matter with XXXX XXXX we are willing to settle this matter for 50 % ( {$210.00} ) of the outstanding balance. If there is an interest to take advantage of this offer please contact XXXX XXXX at XXXX XXXX ''.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax handled the situation horribly. 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 only the most dedicated users to figure out. 

I have never chosen to do business with Equifax and yet my personal data has been breached because they do business with others who I do business with. This is intolerable that data can be stolen without the knowledge of the individuals put at risk.
Consumer complaint received 2017-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I have been a customer of XXXX for years. For normally pay my bill online, and today just noticed I have been charged " Credit Protection '', which I have never agreed to, nor have I known this was something that I have been paying for. I went back to review the last 5 statements and was charged anywhere between 1 dollar to 5 dollars during months that I made no purchases. I am going to continue to look back at my statements as I can see back to XXXX. I want a copy of every statement I have had since I have been a XXXX Card holder ( XXXX ) and want a refund for each of these fees. This is predatory lending, fraud and a scam.
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. (LA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I cancelled my credit card with Bank of America approximately six months ago. At the time my online account was unlinked from my card account. My credit report from transUnion is now showing that the account is 120+ days past due. I am unable to log on to my account online to check the account status. My account should have been cancelled before any late fees or interest accrued to make it past due.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00}