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: Experian Information Solutions Inc. (WA)

My information was stolen from XXXX due to their poor network security. They are unable to show in a meaningful way, and indeed do not seem to know per reports thait their website generates random responses when SSNs are entered to check if data was compromised, who was affected. Instead, they are attempting to offer " free '' credit monitoring services that I do not need and are likely just an attempt to bait-and-switch consumers into continuing onto a paid monitoring plan at the end of the one-year period. Their sloppiness in allowing my data to be stolen, which is fundamentally the result of lack of government oversight, has made me spend time placing alerts on my file, and now I will have to continuously monitor my credit reports.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

every investigation equifax does takes over 30 days. had this issue for ten years now. ongoing everytime I submit a dispute now..90 days plus ... no notice and no explicit reason given for the unverifiable dispute to take so XXXX long. If things can not be responded to in 30 days then they need to be purged- no bureau is willing to purge wo a lawyer breathing down thier neck. 

XXXX, XXXX XXXX, XXXX, XXXX CAN NOT BE CONFIRMED. they ttok 90 days to reply to me after begging, XXXX XXXX over 9 mos. XXXX also needs to go away. no reply over 6 mos from me alone. XXXX XXXX accounts are still showing after they " removed them '' as fraud and claimed I owed nothing. I am still 6 mos later waiting for a refund from XXXX XXXX. They refuse to comply and seem to run a " home office '' to harass people about debts not owed. I want my {$550.00} back.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I received a letter from the court stating they do not furnish information to any third party including Credit Bureaus, there for the Tax lien and Bankruptcy that has been placed on my credit reports stating the information came from the court is false and was placed on my credit report illegally and must be deleted.
Consumer complaint received 2017-01-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

Ive contacted this company as well as XXXX in my recent attempts on XX/XX/2016 NUMEROUS times over the past several months almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times only to receive a bill which does NOT prove this to be MY DEBT. This has went WAY past the XXXX days limit to prove or delete and this company has done NEITHER even upon MANY MANY request from me for them to do so.
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)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/2017 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 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transition has an account from the us department of treasury listed on my credit file which has been closed since 2011 which is a government fine from the bankruptcy court for a bankruptcy that did not belong to me. However transunion has the wrong date the fine was open and the wrong date the debt was closed. This account is closed and in collections and they are still charging fees and interest that is appearing monthly on this closed account. This should be deleted it 's not my bankruptcy that got the fine imposed.
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)

As early as XXXX 2017, Equifax may have unlawfully disclosed my personal information, including social security number, addresses, driver 's license number, and financial information, to unknown third parties. They have not yet directly notified me, although I 've requested information from their Notice of Breach - Potential Impact page and confirmed that my information may have been disclosed. I have examined the proposed response by Equifax, and have found the process of opting out of their arbitration clause to be onerous, rendering their identity theft and general security monitoring service inadequate and intolerable. I urge the CFPB, Department of Justice, and other state and federal authorities to immediately sanction and bring suit against Equifax, including management, board of directors, responsible employees, and large shareholders. I demand security and monitoring services to protect my personal information for a period of not less than 80 years, to be provided free of charge for not less than 10 years, and thereafter subsidized by the financial resources of Equifax and any major financial institution that provides consumer information to Equifax. I demand that the same services and rectifications are provided to all 143 million victims of this unlawful breach, and to hundreds of millions who likely be subject to similar crimes corporate irresponsibility in the future, and expect that every judge, lawmaker, and bureaucrat will be bent toward the will and security of the American people.
Consumer complaint received 2017-03-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Central States Recovery, Inc. (MN)

I Called the collections agency at XX/XX/2017 XXXX check the status in my account because was show is my credit report without any information o letter from that company, when I explain I was dispute portion and I request validation of the debt they claim since they do n't have license in Minnesota they cant mail any letter, but they can report it.last month they updated another account in my credit
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. (NJ)

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 2016-09-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I downloaded my free/annual credit reports. I chose to ask for a " free '' credit score from Transunion. I had to complete several pages of questions and no price was listed. I received the XXXX score, but I found XXXX charges totaling {$30.00} on my credit card statement. I called the customer service number within 24hrs ( XX/XX/2016 ) and told them I did not want their whatever service. The money was credited back to my account by XX/XX/2016. I notice on XX/XX/2016 that the credit had disappeared. I called again on XX/XX/2016 and they reaffirmed that the account was cancelled, but they would not return my money. I asked nicely nicely and quietly times, but toward the end of the conversation I called " Supervisor XXXX '' a liar, cheat, thief and she would go to prison and have her children taken away by social services. I also reminded her that I had cancelled the contract within 24 hours and she was " breaking the law. '' I doubt if she cared since it was blatantly obvious that she was not in XXXX XXXX. State, Federal, and their own policy allows me to cancel within an allotted time period which I did. I have a printout of the initial credit to my account which has now disappeared. I did not want their year long service and the cost was never listed and the " FREE '' disappeared. I was told that I received XXXX credit scores which I DID NOT RECEIVE. This is a deceptive scam and should be stopped. Thank You
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 — Account status incorrect
Company: U.S. BANCORP (CA)

US Bank loan # XXXX receiving my monthly payment of XXXX every month for the last ten years check send auto pay from my XXXX XXXX XXXX auto pay by check.two last payment XX/XX/XXXX and XX/XX/XXXX checks was send and delivered as schedule US Bank did n't received the checks because US Bank change their address.without advising or forwarding request. When I notice the issue I did contact US Bank and corrected the address and request US Bank from now the amount will be withdrawn directly form my bank.I am requesting to remove the negative report from my record ASAP.
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. (OH)

Equifax put my credit and financial security at risk by giving access to my personal information without my consent, refusing to offer a sufficient resolution that would make my future credit security safe, and keeping the breach a secret while I was at risk.
Consumer complaint received 2017-11-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tribal Lending Enterprise, Inc. (TN)

A payday loan was obtained with my personal information without my knowledge or consent. The loan amount was {XXXX} and deposited directly into an account with XXXX XXXX where I do not have an account and when I called them and gave them the account number I was informed that the account was not in my name.
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)

Dates : During months of Mid-XX/XX/XXXX - XX/XX/XXXX Company : Equifax Inc.
Summary : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some U.K. and Canadian residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Due to this incident, I believe that my personal information such as SSN, Addresses, Credit Card numbers may have been published on the internet. This places my identity at high risk of theft and makes me a prime target. I would not be placed in such situation if it was not for the lack of security at Equifax Inc.
Consumer complaint received 2017-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I applied and was approved an AMEX XXXX card with a promotional sign-on bonus. This bonus was to spend {$3000.00} USD in the first 3 months for XXXX XXXX points and to spend an addition {$2000.00} USD within the first 6 months for another XXXX XXXX points. The second bonus is not being honored by AMEX even though I made the required purchasing amount within the time-frame. AMEX claims it is " not attached to my account. '' The card was approved on XX/XX/XXXX. This special promotion ended on XX/XX/XXXX. I 'm attaching screenshots of this information. I 've contested this issue with AMEX and they have denied it saying it 's not attached to my account. This is a technical issue, as I had to open multiple challenges with AMEX to even get the first XXXX bonus, which after 6 months of calling them and opening challenges, has finally been posted to my account.
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 announced that they were a victim of a data breach on XXXX XXXX, XXXX. Do note that the breach appears to have occurred from XXXX XXXX to XXXX XXXX. Equifax is offering TrustID enrollment to me until some time in XXXX. It has also been reported that accepting the TrustID enrollment may remove your legal options towards the company. While Equifax is equally a victim, they are ultimately responsible for keeping my information safe.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went on XXXX XXXX last night and my data has been breached, when I try to apply I get kicked off of the site. I have called three times, I am left on hold for over an hour. Site mentions that I can call XXXX from XXXX, when I try to sign up, I get kicked off. I am concerned with my data being breached being I have already been a victim of ID theft four times, it has effected my credit file and score.
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. (IL)

I object to the failure of Equifax to protect my personal information, which was by the company 's own admission likely compromised by the hack into its system earlier this week ( Week of XXXX XXXX, 2017 ). While the company has attempted to fix this problem, no fix is possible when a credit reporting firm that is singularly capable of exposing me to the most significant ID theft ca n't protect its own data.
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. (CA)

The XXXX & TransUnion processes for putting in place a credit freeze are unreasonably and extraordinarily difficult, even as compared to the other credit reporting services. 

In light of the recent data breach at XXXX, I am in the process of trying to put in place credit freezes at all of the credit reporting companies. I tried the TransUnion and XXXX online processes yesterday on XX/XX/XXXX. Both of them are very complex and the identity verification procedures are nearly impossible. The processes are clearly designed to discourage security freezes. 

I 'd be willing to bet that it 's easier for a third party to request my credit or for a wrongdoer to apply for credit with my stolen identity than it is for me to take the basic precaution of freezing my credit. 

I have been directed by XXXX that I can only submit for a freeze in writing and have to provide copies of identity documents and utility bills. 

TransUnion says I have to call them, but they are not open on weekends and the phone lines are impossible clogged during the week. 

I 'm trying to help my spouse and my aged parents in this process. Their procedures make it impossible. Furthermore, I ca n't figure out if there even is a process ( however bad ) to do the same for my minor children. 

By way of comparison, the online process for a freeze at XXXX and XXXX  was relatively quick and painless ( at least for me and my spouse and parents, have not yet tried for my minor children ). 

I am outraged by the security breach at XXXX. I am outraged at their lack of even the most basic cybersecurity processes. I am outraged at this whole situation. Their XXXX XXXX processes for putting in place credit freezes is just the icing on this anti-consumer cake. 

I would very much appreciate you holding these folks to account publicly. The first priority would be getting them to streamline the process for credit freezes, then I would hope to see civil and criminal prosecutions.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NJ)

I have an inquiry from one main financial and I dont have an open account with them. They need to immediately remove that inquiry from my report XXXX XXXX and XXXX. This is making my credit score look horrible. I need them to remove that from my credit report immediately. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.
Consumer complaint received 2024-10-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (LA)

American Coradius Incorporate XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Subject : Credit Report Dispute Inaccurate Information Reporting Dear Sir or Madam, {$2400.00} I do not own this amount, remove it asap.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Company was negligent with customer data, with the result of putting the entire system with which the country does business at risk. The data that was stolen may invalidate the way we bank, secure our financial reputations, and are identified by the government. This does not even include the extreme risk of personal identity theft and the loss of money, time, and emotional wellbeing that goes along with that.
The additional information that Experian has lied overtly in their online web portal by randomly reporting if customers are victims of the hack is further evidence of their willful negligence.
Consumer complaint received 2024-10-06
Product: Credit reporting 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: Credit Karma (NY)

I'm not entirely sure which category this fits into but when credit karma acquired mint they assured us that we would still be able to access our transactions. 

While I can access my transactions they have made it impossible to export any of my own financial data. I used to be able to do that from mint and had been relying on that feature from credit karma in order to my taxes. I see no reason why they should be able to access and analyze all of their users data but not afford us the luxury of reviewing and analyzing our own data?! It's extremely frustrating, searching reddit only to find dozens of threads with users expressing anger at the same issue. 

Credit karma even said during the transition " we've always believed that your data belongs to you so we've made it easy to download your transactions from XXXX. '' And then below that it says " Once you move your miny financial account data to credit karma you will not be able to export your financial data on credit karma '' How is that legal?!??! It's my data!!
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

I saw that XXXX was listed as a hard hit to my credit. however, I have a pre-paid phone service and that does not require a credit check. When I tried to go to Experian to dispute it, first I had to order a credit report. Their website said I could click " dispute '' but when I did, I was sent to the form to order another credit report. Their website gives intentionally misleading instructions in order to discourage disputes. The only other way to contact them online required me to upload a document but when I uploaded my copy of their credit report the website would not accept it. In the text of my complaint, I stated I felt it was criminal for them to profit from mining personal date from people and publishing false and/or potentially damaging reports about them without their permission. Then their website said I could lnot submit my report because the word " criminal '' was obscene. Their website is intentionally rigged against disputing the false items they publish for profit.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

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.