davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

Disputed final bill amount with XXXX XXXX, for a service activated in XXXX 2015 and cancelled at the end of XXXX 2015 for not providing the services that were promised. This was simply 'bait and switch ' tactic!! 
Contacted XXXX on social media to settle the account. Also sent email to technician that set up the account. XXXX sent a general response but no follow up. 
Supplied evidence to XXXX collection agency on XXXX XXXX with email/ complaint on social media etc. advising them the account was in dispute. 
Supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. That was rejected. 
This is unfair and I should not be penalized for services not provided. I am still willing to resolve this matter. I will not pay for the services not provided to me. 
Thank you
Consumer complaint received 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (WI)

I lost my job several months ago, and have not been able to pay my mortgage for most of 2017. My account is with Fay servicing in XXXX. I asked My account manager for options And she was able to work up a modification plan but the problem with the modification plan is it requires over {$4000.00} as a good faith payment upfront. In the past they have waived the good faith payment and are refusing to waive it now. I then asked for a deed in Leiu Of foreclosure, basically a cash for keys which in my first conversation with my account manager she stated I would be eligible for at least {$3000.00} but will try to get me more. She then moved forward getting the modification but never worked on the cash for keys, asked her to check on it she put me on hold and five minutes later came back and said her VP said no cash for keys but they would take the keys and the deed. I said I cant come up with the {$4000.00} I once again asked for something for the deed, she began to argue with me. I can not tell you how many times Ive had to deal with Fay Servicing, they have put me in to other modifications which I told them were too expensive for me to handle I just want to be done with the house but I would need some sort of cash amount in an effort to be able to get a security deposit and first months rent with an apartment. I think it has been their goal all along to try to push me out of the house. The investors that own The mortgage have modified several times before without a good-faith payment, they have also offered me cash for keys in the past which I did not take because at the time I wanted to keep the house. Fay Servicing is  extremely dishonest and they treat people that are having financial struggles horribly. I have read other situations which they push forward with foreclosure which is what they did when they first got my loan a few years ago. I was under a forbearance agreement with my former mortgage servicer, and once they purchased it they immediately put my house back into foreclosure. This is a tactic they use, the only reason I still have the house is because I fought it.
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: GLOBAL CLIENT SOLUTIONS, LLC (TX)

My wife and I were victims of fraud committed by global client solutions. I had approximately twenty accounts go into collections because of them. They charge us a fee and made a promise to help us with a debt consolidation. They did not do anything and because of that, I fell into a lot of bad debt. I tried fixing the accounts but they just wanted part or all of the money that was owed. It was too much and so I only fixed what I could and the rest went into collections. I have been paying collection agencies and making settlements but they have not updated the credit reports. I see a lot of negative remarks that are not suppose to be there. Before global client solutions my accounts were in good standings and global client solutions ruined my credit. I need it fixed or eliminated. The accounts that I already paid should be erased, I did not recklessly do this, the company that I trusted to do a job ruined me and my wife. I need to know what to do or how you all can help me. Like I said, the accounts have payment arrangements but they are not getting updated in the three credit bureaus. Please help.
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax took my previous address from 2013 and made it my current address, my current address is now showing up as a previous address, I 'm trying to refinance my mortgage and it is creating a huge problem. I tried the online dispute form and it stated my information does not match, I tried calling, was sent to XXXX where they explain I needed to use the online form.
Consumer complaint received 2017-11-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Larry H. Miller Group of Companies (AZ)

I purchased a vehicle or so i thought on XX/XX/XXXX and signed all the papers and after taking the car home and driving it for 5 weeks i get a message saying the contract got returned due to missing paperwork to which i had been in contact with the dealership and also XXXX XXXX who was funding my deal ... so needless to say i went in to try and get my deposit back and was told by XXXX XXXX that per XXXX XXXX the car needed to be returned by XXXX XXXX or they were reporting it stolen .I gave the dealership a check for and additional XXXX dollars and they said they can hold it for 3 weeks well after a week and a half they put that check through and made me almost XXXX dollars negative due to all the XXXX dollar fees for overdraft ... .So then today XX/XX/XXXX i got a text from one of the managers named XXXX XXXX and it said I talked to XXXX she said because they didnt charge me restocking fees or mileage which they could have that they refunded my full XXXX dollar deposit that they would not refund the additional fees ..oh also the Finance guy named XXXX had the nerve to say to me its not my fault your credit is 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. (FL)

Equifax kept consumer records, mine included, in a non-hardened and un-secure web database. This has been in the news lately, and the company admitted that the information ( social security numbers, names, addresses, driver 's license numbers ) of over 100 million Americans are now in the hand of foreign hackers. 

To make matters worse, Equifax waited over a month to make consumers aware of this breach. This obviously impacts measures consumers could have taken to protect themselves from fraud. 

Equifax 's irresponsibility continued, as top executives sold off huge amounts of stock to cover their XXXX and wallets once the breach was announced. Needless to say, this is extremely ILLEGAL.
Consumer complaint received 2017-09-19
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. (OH)

Filed a complaint with the BBB against XXXX for reporting a chapter XXXX bankruptcy on credit report without supplying proof, I 've sent a letter from the courts stating they do not verify bankruptcies, they keep stating they verified with XXXX XXXX who keeps stating the same. After filing complaint with the BBB  XXXX claims that they are not reporting a chapter XXXX bankruptcy on my credit report. Its been over a month and it is still showing on my report.
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. (MI)

I became aware of a security breach at Equifax via a news item that popped up on my XXXX. Using the tool on their website, it indicated that my personal information has been compromised by the cyber security hack that occurred at their company. I am in fear of becoming a victim of identity theft given the amount of personal data of mine that has now been compromised. 

This complaint is two-fold. 1 ). I never authorized Equifax or any credit bureaus to collect and hold this data about me. 2 ). If they are going to hold onto this personal information in this digital age, and that information is of paramount importance in our modern society from a financial standpoint, it must be protected with the utmost care and security. Apparently Equifax does not care about the security of the personal data they have amassed about me without my consent. 

Lastly, but not least importantly, having read various news reports, I find it HIGHLY suspicious that executives at Equifax had reportedly been aware of this breach for months, and then sold millions of dollars worth of stock just before this news became public.
Consumer complaint received 2017-09-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

This concerns addressing my Power of Attorney ( POA ) for my mother who is XXXX. All other banks, insurance companies and health providers previously accepted the docs that I have provided except for Bank of America XXXX BOA XXXX. Not only would they not accept the same docs they would not respond about what they wanted and just ended assisting me. At one point I was sent to a call center who gave me a run around and was of zero help. They never called the bank or called back as promised. 

XXXX at the bank who was helping me ended up hanging up on my husband and lied to his boss about the conversation and this was not addressed. He would take the problem no where. Had to go face to face with the branch manager who made a call to legal wanting more docs that is not addressed in the POA. She had every programmed response to support the problem and her employee who ultimately did nothing but cause frustration. 

The bank manager chose her words carefully but made me feel as though I was steeling from my mother. BOA has still not accepted my POA.
Consumer complaint received 2017-01-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

1. Besides few disputed medical claim items, we had paid the {$320.00} at XXXX ( receive the bill statement at XXXX ) to the XXXX XXXX XXXX which had withdrew the money at XXXX. 
2. The XXXX XXXX XXXX had rushed the bill to the collection agency within two weeks. Earlier XXXX, we had called the XXXX XXXX XXXX to understand the bill statement, but its agent said the bill had been send to collection agency without bothering answer any question.
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. (RI)

Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017. Equifax confirmed I was affected by this breach per their " Potential Impact '' site www.equifaxsecurity2017. 

Equifax put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Equifax is further attempting to capitalize on its gross negligence by encouraging injured parties to register for " trial periods '' of their ID protection services, defrauding these injured parties with hidden subscription fees that are imposed after the trial period expires, as well as with terms of service that waive customers ' rights to sue the company for criminal negligence/fraudulent behavior. 

I demand that Equifax rectify its gross negligence through the following actions : 1 ) Permanently waive all fees for placing and removing security freezes on credit reports.
2 ) Issue full refunds to all individuals who purchased security freezes from credit reporting firms following this data breach.
3 ) Permanently waive all fees for placing or removing fraud alerts on credit reports.
4 ) Issue refunds to all individuals who purchased fraud alerts from credit reporting firms following this data breach.
5 ) Enable individuals to place permanent fraud alerts on credit histories at no charge, instead of limiting fraud alerts to 7-year periods.
6 ) Issue unique Personal Identification Numbers ( PINs ) to individuals who request security freezes on credit reports, instead issuing PINS that are actually easily replicated date stamps in the format of MMDDYYXXXX.
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. (NY)

As I am sure you already know, Equifax was recently found to have allowed hundreds of millions of personal financial information to fall into the hands of unknown individuals. This is my private information, and by not handing my data securely, they have put me at risk of identity theft, fraud, and financial ruin. Their site says that I was affected by the breach, but at this point all they have offered in return is a one-year subscription to a credit monitoring service.
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (PA)

I initially contacted the company in regards to a charge on the account that was not honored at the location. They responded with a company generated mail stating that the charge was valid because it was made through my account. Responding to that, I stated it was in fact made by my account, however it was not honored at the location. I was told that the tickets were already used. I told him it was not possible because I just arrived. The clerk stated that I can dispute it but i would have to purchase another ticket to get in. I went to purchase another set of tickets with my spouse 's card and was told by that clerk as well to dispute the charge when i get home. 

I showed documentation that I had paid for the tickets via other to the card company, but I was responded to with the same merchant documentation that it was non refundable and that the tickets was emailed to my account. I responded again telling them that I 'm not disputing that I did n't make the purchase, I 'm disputing that I was not allowed in with the tickets that were provided. They responded with " we are sorry your dispute did n't yield the resolution you desired '' and closed the case. 

I do n't believe anyone actually looked into the case, because if they did, they can see that the documentation that the merchant provided was computer generated. Further Discover themselves generated their own non human response and called it a day. 

My only thought is that I made the purchase on a public computer at my hotel. I also printed the tickets there as well where I initially had problems printing.Neither I or the hotel can be sure that this was the reason to this, but the park also did not request ID upon entrance. So basically if anyone had access to that wrong printout, they were able to enter the park in place of me, leading to my ticket, if i went after them, to be invalid. 

Please help with this situation, this is a substantial amount and is not something that can just be paid off by me and just move forward, especially when i had to pay twice for it.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/year>, I sent a letter to XXXX, Experian and XXXX regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.
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. (GA)

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 2017-09-09
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. (VA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. My personal information was gathered by Equifax when my credit was pulled in order to open a bank account earlier in the year. With the breach of information that has occurred, I and numerous others received no direct information about the breach from Equifax, but instead I had to hear about it through the morning news. To think that Equifax has known about the breach for over a month and people are just now discovering the impact of this is appalling to me.
Equifax is offering a verification page to see if your information has been breached or not. However, this page is a third party site with less than optimal security that is asking you to input 2/3s of your social security number as well as your last name. It appears questionable as well about whether or not the use of this service prevents you from seeking part in class action lawsuits further down the line. I inputted my information into the system regardless because I was genuinely worried my information had been affected. The site came back with the statement that they did not believe my information had been impacted at this time. However, upon further reading from other 's testimonies, it appears that there is evidence that this statement on the site could possibly be randomly generated, as some individuals have stated that they received different statements different times they 've entered their information and will also receive information stating that their identity has been stolen even when they input bogus information. So I ca n't even state with any certainty whether or not my information was affected. All the while the site keeps pushing for use of their free credit monitoring system, which will expire after one year, after which you have to pay for the uses, in effect paying protection money to the company that violated that information in the first place.
In all honesty, while the third party site may have stated that my information was not affected, I have no way of knowing besides this statement, made by the company that allowed this breach to occur on their watch. I truthfully question how comfortable I can be with their assertion.
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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NC)

This company has accessed my credit file with XXXX on XX/XX/XXXX and XX/XX/XXXX. I have written to the company to request documentation supporting their permissible purpose for this access, and have not had a response from them. I have also tried to resolve this issue with XXXX, but they refuse to investigate disputes as required by the Fair Credit Reporting Act. If they did, they would note that I have never filled out a credit application with the automobile dealer who sent information to this company on XX/XX/XXXX. Accordingly, without documentation to support permissible purpose, these inquiries should be removed from my credit file immediately.
Consumer complaint received 2016-09-13
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (CA)

I received an American Express gift card for {$500.00} back in XXXX 2016. I opened the package on XXXX XXXX, 2016 and checked the balance online at XXXX, to find XXXX charges were made on XXXX and XXXX. I contacted AmEx to dispute the charges, and though they asked me for a particular lot number on the package, they still maintained they ca n't dispute the charges as they have a blanket policy of treating all gift cards as cash. They advised me to report the card stolen and have it replaced by them via mail within 10 business days for the remaining balance. They also suggested I contact the merchants to dispute the XXXX charge that was still pending. The pending charge was reported to AmEx as a physically swiped transaction, which could n't be possible unless XXXX cards exist with the same credit card number. 

I am quite certain that, as a consumer end product, the lot number on the packaging, which does n't correspond to the account number, is a unique identifier and, therefore, bound to all transactions that are physical/swiped. They asked for that information, but it did not help with the fraudulent transactions. It was only used to confirm the physical package, though I 'm familiar enough with point of sale systems to be rather sure that information is somewhere within the mag stripe data of each transaction for their own quality control and protection as issuer. 

While I am being reissued the card for the remaining balance, I am not confident the replacement card wo n't be subject to the same lack of fraud protection. You can imagine how ridiculous it is to open a gift card package for a AmEx gift card for a very high amount, just to learn it 's already been used by someone else. That there was no card activation process was concerning, and I think that leaves the consumer open to fraud that ca n't be disputed, thus protecting AmEx 's interests at the expense of the consumer 's vulnerability.