davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Harley Davidson Financial Services Inc (IN)

Harley Davidson Credit XXXX # XXXX Dear Customer Service : My credit report reflects an account with Harley Davidson Credit. This account was closed and vehicle voluntarily returned before I filed a Chapter XXXX bankruptcy. It was agreed that XXXX XXXX would remove this report from my credit history upon return of their collateral, a XXXX XXXX XXXX XXXX XXXX. 

Additionally, the loan which I received from Harley Davidson Credit was very unfavorable and the terms of the loan made it almost impossible for me to be successful. My interest rate was XXXX % and my monthly payment was {$470.00} over a XXXX period. At the onset of the loan, I questioned the very high interest rate based upon my current XXXX income and my debt to income ratios. I believe Harley Davidson Credit provided me with a loan product that was unsustainable and knew eventually theyd be able to recover their collateral and sell it for almost the same value which I paid. 

I am reaching out to you to request assistance in removing this item from all three credit bureau reports. This item is a blemish on my record and I believe had my income been examined more closely, it would have resulted in a payment that was affordable or the loan being denied due to lack of sufficient income. Unfortunately, this item has put me into a category which has led other creditors want to extend credit at very unfavorable terms. 

Please do not hesitate to reach me if you require additional details or further explanation.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX XXXX XXXX and made payment arrangements to bring the account current. I explained that XXXX would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XX/XX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and XXXX will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with transunion and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by 35 points.
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)

XX/XX/XXXX : I became aware of the Equifax breach which happened between XXXX and XX/XX/XXXXand I entered the last four digits of my social security and my last name on the following website to check if I was a possible victim of identity theft : https : //www.equifaxsecurity2017.com/XXXX. After checking, I was given the following notice, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This is concerning to me and would like to be updated on what will happen next.
Consumer complaint received 2017-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: A/R CONCEPTS, INC. (IL)

Hi, last year I had a XXXX performed. My insurance covered most of costs and I paid all that was owed. 

Today, I received a negative credit alert on my transition and XXXX report from a company called AR concepts in XXXX, IL ( debt collection ) on behalf of XXXX XXXX XXXX SC for {$110.00}. I called AR concepts and gave them my info. Apparently, XXXX XXXX XXXX had the wrong address listed on my account XXXX XXXX XXXX XXXX and XXXX ) and the wrong phone number. They had my mom 's address listed where we lived over XXXX years ago. I NEVER received a bill or a phone call. 

Is this legal?
Consumer complaint received 2017-09-12
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 (IL)

I have a Capitalone rewards credit card which I opened back in XXXX of XXXX. This card carries a yearly fee that has kept going up and currently stands at {$99.00}. 
I called in XXXX, I believe, because I wanted to switch the cards as I did not see a benefit to having a rewards card. I was told the fee is not due till XXXX, XXXX and I should think on what I would like to do. I called back in in XXXX prior to a vacation. The agent with whom I spoke informed me that she can switch the card to a card without a rewards card but she can also see about waiving the fee but she cant do it until after the fee has been charged on the account. 

Lo and behold, I call in today to see about the fee waiver and I was informed the fee cant be waived and theyre happy to switch the card to a different card. When I informed the agent that was not what I was told as I had called previously, he tells me hell pull the call and if its true the agent advised me of that hell see what he can do about the fee. 
How these lying dogs stay in business is beyond me and is the fault of the government. Ive been through this before. Theyll claim their agent never said that or nothing was ever documented and they ALWAYS document their records. 
This needs to stop. Consumers are already being defrauded by these people. Where does it ever stop? Why would I want to switch the account after theyve charged their fee? I may be a lot of things but I am not stupid!!!
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 personal information including my Full Name, Address, Social Security Number, and Birthday by improperly protecting such sensitive leading to the security data breach in XXXX of XXXX. 

They have put myself and millions of others at risk of identity fraud/theft due to their negligent security practices in handling this sensitive information. 

They are also attempting to capitalize on the situation by signing injured parties that they are responsible for up for " trial periods '' of their ID protection services. They are defrauding these parties with deliberately misleading terms of services that waive injured parties right 's to sue the company for such gross misconduct. 

I request that they rectify this situation by making credit freezing free for all injured parties involved in this issue, as well as directly contacting every person affected by this loss of information.
Consumer complaint received 2017-09-12
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: JPMORGAN CHASE & CO. (FL)

I went to the Chase branch in XXXX in XXXX XXXX in Florida to sign up for XXXX credit cards. XXXX business credit card XXXX Chase XXXX XXXX XXXX and XXXX personal card XXXX Chase XXXX XXXX XXXX. Promotion said that in order to get XXXX points for the business card and XXXX points on the personal card I need to apply in the branch. So I did. 

I applied with the branch representative first for the business card and while she was typing in the data for the business application I was asking about the personal application too. She told me that as long as I apply in the branch, that I will get XXXX points offer. I asked how the process for that goes and she said that I can either wait for her to finish so she can take the second application or that I can start the application online and she will make sure it goes to the proper channels so I get the bonus. 

I got approved for the business card and got my XXXX points but I did not get XXXX points on my personal card. Explanation chase gave me about this ( 3 months later by the way ) is that my application although done in the branch was supposed to be initiated in the branch in a special way, something that the banker who took my card application did not do. 

I tried to talk to the Chase marketing department about this but they refused to honor the promotion. 

I have XXXX credit pulls at the same time on the same day done by Chase.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (WI)

XXXX compromised my personal identity without my permission. They did n't inform me of it for months, then wanted to charge me to protect my credit. Since there are three major credit agencies, I will get charged at all three of the agencies to freeze my credit information. I am not a customer of any of these agencies, and I do n't want to become a customer. I have a problem with paying for these agencies to protect information I do n't want them to have to begin with and information that they should be protecting as part of there business. 

I would like these agencies to freeze credit records by default and not try to extort money to protect a persons ' credit records. 

Now take this complaint and multiply by millions to get an idea about how furious all us regular people are!
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)

Data breach of 2017 for Equifax left millions of people in risk of identity theft. I was one of those consumers and I just wanted to create a trail of things in lieu of that. I am filing a complaint because Equifax negligently had their systems hacked and has leaked my information to the public.
Consumer complaint received 2017-12-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (IL)

I have a 6 figure CD with Discover Bank which matured on XXXX. 
I called Discover 4 times, XXXX, XXXX, XXXX and XXXX. I also sent messages via Discover 's web site and received acknowledgments of my messages to close the account and send a check. 
On XXXX I talked with a supervisor, she told me my account would be closed and an EXPEDITED check would be sent to me. As of XXXX I have NOT received a check. 
As a matter of fact on XXXX I received a USPS letter saying I renewed my account. Even after they told me they would close my account. I received letters and Emails saying I RENEWED my CD. I have received 8 Emails 4 web site messages as well as calling 4 times to close the account and send me the proceeds. 
As of XXXX the told me they would send a check. I WO N'T BELIEVE IT UNTIL I GET THE CHECK.
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 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. 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I HAVE SUBMITTED DISPUTES TO XXXX AND TRANSUNION ON LINE THAT THERE IS ERRORS REGARDING MY NAME AND ADDRESSES. THE INFORMATION HAVE NOT BEEN REMOVED FROM MY CREDIT FILES. 

WRONG NAME - XXXX XXXX CORRECT NAME - XXXX XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX MAILING ADDRESS - XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX PHYSICAL ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My Experian Credit Report shows inquiries made by XXXX XXXX XXXX, XXXX XXXX, XXXX DE XXXX on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I did not authorize any of these inquiries. I have never had any account or relationship with XXXX. 
I inquired with XXXX at XXXX XXXX XXXX XXXX and was told no records of these inquiries exist.
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. (TX)

In light of the XXXX hack, I feel I should be able to freeze or otherwise restrict access to my credit report at all reporting companies completely for free, and at my own discretion, now and forevermore. Paying even a nominal fee for this service is unconscionable in light of the gross misuse of my data.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

From XXXX XXXX to the present, Synchrony Bank has been calling my cell number from XXXX times per day, as early as XXXX XXXX. After the phone call they send a text. I do not have a balance with this bank. My account was paid off in early XXXX XXXX. Multiple calls have been placed to request that they cease their advertising or marketing tactics without success. When I call their XXXX number back, it takes me directly to their automated system which indicates I have a zero balance They need to be regulared and fined.
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. (AL)

Having checked the Equifax website to see if my information is at risk, I wrote to have my account frozen. I understand that, typically, this service costs up to {$10.00}, but I read tonight that they are charging {$30.00} for this service. The people who treated my confidential information carelessly are now going to charge me {$30.00} to try to protect it retroactively. NOT TO MENTION that the company waited for weeks to disclose the loss and is not forthcoming about what information was lost. OR the fact that their executives sold their stock before announcing the loss. INBELIEVABLE.
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (MI)

After finding out about the Equifax data breach on XX/XX/XXXX I wanted to find out if my data was impacted. I visited the dedicated website set up for the breach at www.equifaxsecurity2017.com and found a section for finding out if your information was impacted. The page had the following instruction. 

1. Click on the below link, Check Potential Impact, and provide your last name and the last six digits of your Social Security number.

2. Based on that information, you will receive a message indicating whether your personal information may have been impacted by this incident.

3. Regardless of whether your information may have been impacted, we will provide you the option to enroll in XXXX XXXX. You will receive an enrollment date. You should return to this site and follow the How do I enroll? instructions below on or after that date to continue the enrollment and activation process. The enrollment period ends on Tuesday, XX/XX/XXXX. 

I filled out the form to find out about my information, but instead of being told if my data was compromised or not, I was given a screen showing that I was enrolled in the XXXX program. I was not given an option as stated in instruction # 3. I DO NOT want to be enrolled in this program and I DID NOT agree to the terms or give consent to be signed up. Upon calling the number listed on the page as the dedicated line for this data breach ( XXXX ), the system automatically hung up on me several times after informing me I was calling outside business hours even though I was not. On XX/XX/XXXX, after several days of trying to call the hotline, I finally got through to an agent. The agent immediately connected me to a supervisor who proceeded to tell me that they have very limited info and all they do is tell people to look at the website. He then told me to XXXX the Equifax number and call them. I called Equifax at XXXX, but was told I need to contact XXXX for XXXX questions. I called that number and was told to call XXXX. When I called that number, the system told me that it was outside business hours, told me I could leave a voicemail and then hungup on me. 

To reiterate, I DID NOT agree to be signed up for XXXX  and I DO NOT want this service.
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. (CA)

I am livid that XXXX charged me {$10.00} on XXXX/XXXX/XXXX to put a credit freeze on my account. Not only did their onsite web page tell me that my information had been compromised, but, they charged me for this action which I had to take due to their own negligence and unacceptable lack of proper security. 

I tried calling to complain, but the did n't answer, even after waiting for an hour. 

I paid the {$10.00} since I already have a suspicious credit request, and am very. very worried about this. 

In addition, I spent hours today trying to get fraud alerts and credit freezes on all three credit bureaus with mixed results. 

None of them let me add fraud alerts, and calling them was hopeless. 

XXXX XXXX customer phone number asks for a lot of information by an automated voice attendant, then hangs up. 

They want me to mail in a form - and, this situation is happening now! 

I do n't know what you can do to bring XXXX and its executives to account for this.
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (MD)

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 2017-09-12
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. (TX)

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 2017-09-12
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. (CT)

EQUIFAX is reporting an account with XXXX XXXX as past due and as my account. Ive disputed this account with Equifax however equifax keeps stating this account is mine and I do n't have a mortgage with that company nor have I ever. Im assuming this is on my report from the security Breach that Equifax had. They need to remove this from my account.