davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Management Solutions, LLC (MD)

I ORIGINAL APPLIED FOR THE APARTMENT ON XX/XX/XXXX.
I FILED FOR BANKRUPTCY ON XX/XX/XXXX WAS DISMISSED XX/XX/XXXX. IN XX/XX/XXXX I NOTICE THAT CREDITOR WAS STILL ON MY CREDIT REPORT, I DISPUTED WITH XXXX AND IT WAS REMOVED XX/XX/XXXX. THAN ON XX/XX/XXXX I  NOTICE CREDITOR WAS STILL ON MY CREDIT CONTACTED COMPANY AND THEY STATED THAT EVEN IF I FILED FOR BANKRUPTCY IM STILL RESPOSIBLE FOR THE DEBT AND IFWOULD NOT CLEAR OFF UNTIL DEBT WAS PAID IN FULL.
Consumer complaint received 2017-09-11
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. (CO)

First, you have to understand, 'credit lock ' is a Transunion product they charge for- and that they have manipulated their website to steer you away from a 'security freeze ', which is free. 

Of course, after the breach/debacle with XXXX, Transunion is ready to pounce in predatory fashion and ONCE AGAIN exploit the consumers misfortune by ensuring you are NOT ABLE to get a security freeze ( one again, your right to completely free security ). 

They have completely blocked EVERYONE 's ability to complete a security freeze online, a process that takes seconds to complete. At the end of this process you will receive a message to contact them via phone. Once you call, you will guided through the security prompts and in the end, you will be informed they are ( once again ) unable to process your request and you will need to talk to a representative ... after which you will transferred to a busy signal. 

***** Remember, if you ca n't place the security freeze you are completely entitled to, your only option to protect yourself is to purchase Transunion 's Credit Lock product ... funny how that works. FYI, ignore the mis-information ALL of the bureaus/CRAs are promoting on a Security Freeze. They are easy to do. AND- you can apply for credit at any time- just be ready to provide your pin to the creditor. It 's that simple! 

Next, rinse and repeat, over and over and over and over again. I have literally attempted to get this done dozens of times over the 4 days since the XXXX debacle was initially reported.
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I received a copy of my XXXX credit report and disputed the following items in writing on XXXX XXXX, XXXX via return receipt mail to XXXX that I did not recognize. 

1. Previous address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Reported XXXX 2. Credit Account Number XXXX XXXX XXXX XXXX {$1800.00} 3. Credit Account Number XXXX XXXX XXXX {$1800.00} I also mailed a dispute letter to both Jefferson Capital and XXXX via return receipt on XXXX XXXX, XXXX. I have attached a copy of the letter to Jefferson Capital. 

On XXXX XXXX, XXXX, I received a confirmation result letter from XXXX  that they are deleting all three disputes. I have attached a copy of this letter. 

On the same day, XXXX XXXX, XXXX, there was a letter delivered to our address to the attention of a XXXX XXXX from Jefferson Capital regarding the {$1800.00} debt. The letter states that they must be notified with 30 days after receiving this notice to dispute it and enclosed a form to complete personal information including your social security number. It also says that unless I notify their office within the 30 days that their office will assume this debt is valid. 

I am officially filing a complaint against Jefferson Capital to stop all communication. XXXX has already deleted my disputed items and I am not familiar with an XXXX XXXX.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am writing to express my extreme distress regarding the recent revelation of a data breach at Equifax. It appears that my information was contained in the breach when I reviewed their website. Here are several of my concerns. 

The breach was from XXXX to XXXX of XXXX. Nearly 3 months the problem existed. 
They discovered the breach in XXXX. 
They did not disclose the breach until XXXX XXXX, XXXX. 
They did not contact me directly about my information being compromised. 
When I checked the database as a " potential victim '' I was informed that I was indeed included in the data breach. 
When I tried to enroll in the credit monitoring service ( provided by none other than Equifax - conflict of interest in every way ) I was instructed to return to the website 4 days later to sign up. Additionally, I was also informed that I would n't be reminded to return to sign up. This is an undue burden on a consumer that has been victimized by this company. 
Credit monitoring should be provided free of charge by a monitoring service of our choice instead of prolonging " victim-hood '' with Equifax. 

Information discovered after this initial debacle was even more troubling. 

Contained in the terms and conditions for checking to see if I had been a victim I discovered that I was bared from joining a class action lawsuit against Equifax. 
Days after the breach was discovered there were Equifax employees that sold their Equifax stock. 

In my opinion this is egregious dereliction of even simple security of personal financial information. I do n't have a choice to exclude creditors from sending my information to Equifax and therefore I was an unwilling victim of this crime. This requirement has been in effect since Gramm Leach-Bliley 1999 - XXXX. I believe that Equifax is significantly engaged in providing a financial service as a credit bureau. And as GLB is a 17 year old statute they have had plenty of time to ensure proper security practices were in place. Furthermore, the FFIEC 's Cyber Assessment Tool that was released in XXXX has provide ample guidance on securing personal financial information on the internet. 

With the revelation of this horrific occurrence the CFPB should consider the dismantling of this business. They should be subject to the most punitive of all sanctions that are within the CFPB 's authority. This has struck an irreparable rift of distrust in the financial services industry. If we can not trust the companies that are in charge of our data ( without our control ) then we have wider distrust of the entire system.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (NY)

Applied for vehicle loan. Received denial letter from XXXX XXXX citing, specifically, SageStream LLC. SageStream 's score was significantly lower than other scores. While this may be true, I attempted to obtain my free report from SageStream. Website provides 2 options for obtaining report : " If you would like to obtain your consumer file, you may ( 1 ) call us at ( XXXX ) XXXX, or ( 2 ) submit a signed, written request by secured fax at ( XXXX ) XXXX or by mail to : SageStream , LLC Consumer Office,  XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. '' I contacted the phone number. The automated voice message directs a caller to go to the website to obtain a consumer report. I have made no further attempts, as the information is conflicting and deceptive. 

While I have serious questions about SageStream 's credit score practices, I can not get to that point without easily obtaining my consumer report.
Consumer complaint received 2017-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MS)

On XX/XX/XXXX I set up a payment plan for my private loans through Navient / Department of Education. They have not processed any of them correctly from my bank account. OnXX/XX/XXXX they contacted my mother ( also my power of attorney ) to get a payment of {$18.00} with a ONE TIME AUTHORIZATION for that account.
For XX/XX/XXXX andXX/XX/XXXX Navient messed up the payments from my bank account resulting in me having to use my debit card for those payments. On XX/XX/XXXX they attempted to gain access to my previous account that they only had permission to use that one time to get a payment of {$150.00} Currently they are lying to me and harassing me because of their mistake and breaching their own one time authorization agreement. My mother is not also my POA she also runs one of the branches that my previous bank has in Pennsylvania. They are now also calling my mother a liar saying that I gave them permission to use a bank account that I had instructed closed months ago and had no information for.
Consumer complaint received 2017-09-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I first tried to consolidate through XXXX Loans. Somehow I got involved with Navient. I dont even remember switching to them!! They call and we set up payment to be taken out and my balance never seem to decrease and I ca n't get a home loan with such negative score from student loan!! Please help!!
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

My name is XXXX XXXX, I paid off my car ( XXXX XXXX ) in XXXX and had car loan company sent the report which identify my paid off car loan to 3 major Credit bureau, 2 of them ( XXXX, XXXX ) updated my credit report but XXXX  failed to updated my credit report. the car loan report still show up on XXXX  credit report. since i am apply for home loan and need clear my credit report, i tried contact XXXX and they always said nothing received from my car loan lender. 

pls help me with my problem, it 's very important for me to clear car loan on XXXX  Credit Report Best Regards XXXX XXXX
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 with product or service terms changing
Company: EQUIFAX, INC. (ID)

RE : Equifax data breach For 5 days now I have been unable to access Equifax breach website to determine my impact and to subscribe to ID theft protection. I can not get past XXXX screens despite multiple correct attempts. I have called help line and their response has been to try again later as site is experiencing high volume. I have tried over 5 days, multiple times each day and multiple ( as many as 10 ) times per access. Do they care? Are they allocating proper resources? Or are they experiencing a denial of service attack?
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 with product or service terms changing
Company: EQUIFAX, INC. (OR)

My personal information has been compromised by the massive Equifax data breach. Equifax has acted negligently and criminally through the process of discovering the breach, selling some of their own shares before even informing customers of current personal risks. On top of that, they are only offering 1 year of enhanced protection.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In XXXX, Equifax learned that a very large number of accounts were compromised. Only on XXXX XXXX, after the hackers had over 2 months to process all this information ( including mine ) they finally told the public about it. 

Not only have they failed to protect my information and ended up divulging it without my consent, but they have also failed to notify me on time. A 2 month delay is unacceptable given the sensitivity and the breadth of personal information that was leaked.
Consumer complaint received 2017-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (VA)

XXXX XXXX, XXXX through their subsidiaries leased me personally for 4 years and than sold me the same vehicle with defective drivers side air bag knowingly prior to sale which is against the law since the air bag is an essential part of the vehicle that may cause XXXX ( at that time air bag of that type already caused XXXX  of approximately 10 people ). I purchased the vehicle from Mercedes-Benz of XXXX XXXX, XXXX Virginia on XXXX XXXX, XXXX I found out about the defect on around XXXX XXXX, XXXX from Mercedes-Benz of XXXX that refused to service my vehicle and demanded to leave their lot immediately since they did not want to be liable for possible death of their customer or employees due to defective airbag. I tried to Contact Mercedes-Benz Financial that I had a contract with, Mercedes-Benz XXXX XXXX XXXX and Mercedes-Benz of XXXX. Every time XXXX more than 20 attempts totally ) I was refused any service of the defect or return of the vehicle. I asked all of those entities to take my request seriously since driving the vehicle in given conditions is like sitting in front of the loaded firearm pointed at my head. Nevertheless, not a single individual in Mercedes-Benz company took my request about repair seriously. Instead They posted {$47000.00} loss on my credit report since I refused to pay for the vehicle that I could not drive. Finally on XXXX XXXX, XXXX the attorney of Mercedes-Benz agreed to accept the vehicle back. I took it back to Mercedes-Benz of XXXX XXXX where general manager XXXX XXXX refused to issue me any kind of paperwork stating that I actually returned the vehicle that would serve as a proof of relinquishing ownership of the vehicle. The whole experience with XXXX XXXX caused me an enormous amount of emotional distress and damage. Also, caused me more than {$100000.00} in financial damages. 
I would estimate my total emotional, financial and damages in respect to punitive aspects of the nature of this conflict to {>= $1,000,000}. 
I expect XXXX XXXX be held responsible. 
XXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

Equifax left their systems, and by extension, millions and millions of American 's incredibly sensitive information at risk of hacking by criminals. For a company that collects this much personal and private information about this many people, they should have had greater measures of protection in place. It is ridiculous that criminals could hack into a system with this much personal information. 144 Million people were potentially affected which is over half of the credit-utilizing adults in United States. Each of them, including myself, is now at risk for identity theft or fraud for YEARS to come into the future.
Consumer complaint received 2017-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Clearview Resolution Services (AL)

I received a call from Clearview Resolution Services this morning, phone number XXXX. The call was an automated message stating they were " unable to process [ my ] payment and [ I ] needed to contact them back immediately to resolve this issue. '' Before calling them back, I logged into my bank account and checked all of my payments. All had cleared, nothing was pending. That is when I knew this was a scammer. I decided to call back to see what they said and to get the name of the company, if they stated one. 
When I called the number a man answered " Clearview Resolution Services, can I help you. '' I stated, " I 'm not sure, you called me. '' He ask me to hold. I timed it, I held for approximately three minutes. When he came back on the phone he asked if I was, i.e., XXXX XXXX. I stated, " no. '' He asked again, " You are not XXXX XXXX? '' And I stated again, " No, I am not XXXX XXXX. '' Then he asked, " Do you know XXXX? '' And I stated, " No, I 'm sorry, but I have never heard of her before. '' He proceeded to ask, " How long have you had your current telephone number? '' I advised, " I do not know how that information is relevant to you, but over two years. '' He then stated, okay, we will contact the, i.e., " Hometown, State '' records, for current information on XXXX XXXX. I told him, good-luck and goodbye. 
The name this man originally asked for was close to my maiden name, but not correct. Secondly, I did n't correct him because I did not want to give him " my correct maiden name ''. In addition, I have not used that name in over 25 years. Also, I filed bankruptcy 9 years ago so I know there are no collections or other accounts on my credit besides the new accounts I have built in the last 8 years. And since, I meticulously check my credit scores monthly, I know for certainty that my current accounts are in good standing. 
Lastly, the reason I decided to report this call today and not ignore it is that last week my credit union alerted me that my identity and personal information could have potentially been breached through XXXX. I was sent a link to check my status and to determine if I was eligible for free credit monitoring. It was determined I was eligible for the service and I have signed up even through I already have my own identity theft protection. 
I feel this is the " first breach '' of my identity and personal information because this company was clearly going to try to scam me for a debt that is a counterfeit.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DE)

I have had a XXXX XXXX XXXX store card since XXXX. In XX/XX/XXXXthe card was removed from my reports due to fraudulant activity which was incorrect and resolved. It was reported to all credit agencies but i noticed it was missing from XXXX XXXX and was affecting my credit score for example XXXX XXXX XXXX and XXXX XXXX this was due to length of credit as my account is 11 years old it would make a huge difference to my score. I have tried to have them reinstate the card but was told that XXXX XXXX would not do it due to the length of time. I then called XXXX XXXX they told me that they had no such request logged on there system and was told by XXXX XXXX  that if the card was in good standing they would report the information correctly. So i can only assume that XXXX XXXX /XXXX are not telling the truth. I have never missed a payment and have kept my card in good standing. I am in the process of obtaining a mortgage and this is affecting me greatly and is not treating me fairly at all. I want the card and it full history reported to all agencies. I f this is not resolved i will be getting a lawyer involved and sue them for all the extra interest i have had to pay due to there error.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am listed as one of the hundred and a half million people whose personal information, including my Social Security number, was exposed by the Equifax exposure. Equifax did not properly secure my information, and they are not properly handling this breach -- including their potentially data-exposing request for entry of name and social security number into their breach form, which is very exploitable to further guess peoples ' information.
Consumer complaint received 2017-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My information was compromised because of an XXXX security breach. I had previously contacted transunion, as soon as I saw an unauthorized inquiry on my credit report to investigate this right away, most recently XX/XX/XXXX. I was told that I need to file a police report. On today, XX/XX/XXXX I was told the same thing from Transunion, after XXXX confirmed that my information was stolen. Someone has clearly been trying to use my information to open accounts. Transunion is not being helpful at all with investigating the fraudulent information on my credit file. I do have rights as a consumer and Transunion has violated the XXXX. I WAS TRANSFERRED TO A SUPERVISOR IN XXXX SPECIAL HANDLING. His name is XXXX from the PA office. He would not provide an ID number. He was not helpful, and insisted on me to file a police report before he even listened to my entire situation.
Consumer complaint received 2017-11-21
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 (NY)

While on a cruise I was looking to by airfare tickets back to NY. Came across Delta, XXXX XXXX offer : if I, XXXX open card with them and would be approved for this promotion, and only then, I will get a temporary card number for buying Delta, s tickets and would get {$150.00} bonus, after I paid for Delta, s tickets with temporary card. And I was approved, got temporary card number, bought tickets, but received bill for entire amount. When I called to Delta and told them about promotion, I was denied base on I had a while ago their card. I might have it, not sure, but while on ship buying tickets on on my I pod, I did not see any mention of any restriction, only affirmation : if you being approved for promotion, and only then, you will get temporary card number to buy tickets right away. I could use XXXX and get cheaper tickets but Delta won my business with this promotion.Please help me, as a XXXX person, {$150.00} means a lot and it is not nice to lie about promotion.