davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (WI)

I tried to get my free online credit report from XXXX XXXX XXXX for Equifax on XXXX/XXXX/2017. When the report results were requested the site said, " Online reports not available ''. I do not want to receive this report through the mail and do not want to send the identity verification which included my SSN through the mail. Do I now not get a free report from Equifax if I do n't order it through the mail ... .no options are given to undo the request?
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

On my credit report there are 2 inquiries from XXXX XXXX that are unauthorized. I called XXXX and spoke with a representative and he took my information, did some research and called me back a couple days later. The 2 inquiries that are not mine are XX/XX/XXXX and XX/XX/XXXX. The specialist stated they do not have those dates on there end and I need to dispute them. I disputed them with CRA and they still remain on all three reports. These are to be removed immediately. I will not go another 30 days waiting. I have a recorded conversation from the XXXX  specialist saved on my phone. These are to be removed immediately!
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. (OK)

Equifax mishandled my personal information including name, social security number, address, birth date, etc. resulting in a data breach in XXXX XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft or 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 for only 1 year of protection. The information they failed to secure could be used for decades. After 1 year of protection, I and millions of consumers would have to pay Equifax for ID protection services, which is outrageous. 

Further, the only tool available to me as a consumer to protect my credit reports is the 'credit freeze ', which Equifax XXXX and the other reporting agencies, charge {$10.00} for in my state ( Oklahoma ). They want to charge me {$10.00} to freeze my report, then charge me {$10.00} AGAIN when I need to unfreeze to conduct financial business. Then another {$10.00} to refreeze, on and on in perpetuity. That would be {$60.00} per free/unfreeze for me and my husband for each credit report related transaction, for the rest of our lives. That is criminal. I should not have to pay the company who compromised my data through gross cyber security negligence. 

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 and indicated by the 3 Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing and unfreezing free and refunding everyone who paid for it following this data breach. Additionally, the Equifax PIN System for freezing/ unfreezing your account is based on providing the VERY personal information that was compromised and stolen. Thus, the parties who have the ability to steal my credit information also have the ability to unfreeze my account using the inadequate security measures that Equifax has implemented. I demand that Equifax change the PIN system to ensure that credit freezing/ unfreezing is actually a secure process. Finally, I demand that Equifax provide the secure ID protection program they are offering for 1 year to those affected consumers for the lifetime of their social security numbers and the information that was stolen. No consumer should be forced to purchase credit report protection plans from the very company for egregiously failed to protect their data in the first place.
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MS)

When i tried to set up a payment arrangement they would tell me I do n't have to pay cause I am not obligated I was like I am living in the house what do you mean then they explain its not a requirement I am still trying to work things out and the reps are not assisting in anyway I asked them to assist with putting the past due on the back of the loan and as of today 's date no one has assisted me.
Consumer complaint received 2017-12-26
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. (FL)

I received literature in the mail 2 years ago regarding a line of Credit for {$2500.00} from a company called XXXX. This line of credit was disguised as payday predatory lending. They took a fee of {$400.00} right off the top and only deposited {$2100.00} in my account. From then i was charged bi weekly finance charges plus some money off the bill. i closed the account down after a months because I was falling behind on payments and could n't keep up with the account. This account is now on my Credit Report showing as original Creditor-XXXX XXXX XXXX XXXX XXXX. I am not sure if they are registered with FL or FDIC. they are now being represented by XXXX XXXX. with a balance of {$2900.00}. I have tried to get debt validation on this account a few times but to no avail. Because it has been past 30 days XXXX will not send documents to prove they own the account. I have tried numerous times with Credit Reporting Agency to remove and they will not. XXXX has since updated their agreements and payment terms since i took out original loan. They will not send me a copy of my original contract because they sold off account. Need to get this black mark off my report and save others from this predatory lending.
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. (KS)

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. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. 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 2017-09-11
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. (CA)

According to Equifax I may have been impacted by the recent breach. This is unacceptable - mistakes happen, but the loss of almost half of America 's personal information is a disaster. Equifax needs to be punished.
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 — Account status incorrect
Company: EQUIFAX, INC. (CA)

In XXXX XXXX, I got the statement for XXXX over payment from US Department of Education. 
So I paid immediately via online. However I found issue of " Paid-Collection/ Charge off '' in my credit report and my score went down XXXX points IN XXXX XXXX. 
Actually, I didnt know that I had overpayment because I didnt any notice, bills, and statements from school and US Department of Education at all until XXXX XXXX. Even I didnt find in my school website about my overpayment. I do log in almost every day and I am in school now ( Fall XXXX ). 
When I got my statement from US Department of Education, that was first statement about my overpayment. The statement didnt say any Collection issue or Notice of debt collection act. I knew that was regular statement and I paid immediately in website. There were no reasons to avoid pay as amount {$180.00} only. 
I could find that was collection account and Paid off-Charge off account in my credit report after 7 months. I can not accept this situation and I can not understand it. 
Usually I checked my credit report every month but I did n't found this issue until XXXX XXXX XXXX. This issue reported at XXXX/XXXX/XXXX from US Department of Education. I do n't understand why. I did n't get any letter, email, statement or bill before XXXX XXXX. Simply I got the statement in XXXX and I just paid immediately. 
And I do n't understand that if my account is in collection, why I did n't find that fact in my credit report before XXXX. I think if my any accounts will be in Collection account, I should know that situation before into Collection account. And I should have gotten any warnings, notices or prompts but I did n't get anything. 
I got the first statement in XXXX XXXX and I just paid immediately but my credit is mess up now. This is unreasonable and unfair. This situation is very fatal in my life now. I have planned to build my new business and buying car and lease apartment in XXXX Now I am in extremely hard time. Please help me.
Consumer complaint received 2017-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

In XX/XX/XXXX I applied for an auto loan and was rejected by one loan company and given a higher interest by another, which pointed out I have a collection item on my credit so my credit is not excellent and I could not get financing at top tier. I pulled my credit reports and I had a collection account reported by XXXX XXXX XXXX ( XXXX ) for the amount of {$1700.00}. I sent a letter to XXXX on XX/XX/XXXX asking them to verify the debt. I also disputed the collection  with XXXX and XXXX. XXXX confirmed/verified the collection with them so no changes were made by either of the bureaus. Meanwhile, XXXX has failed to send the debt verification as required by law and to seize collection activities. On XX/XX/XXXX I received a letter from them dated XX/XX/XXXX that they are in process of obtaining the documentation, which I have requested, and that they will forward such as soon as they obtain it. As of today, XX/XX/XXXX, they continue to report the collection to the credit bureaus and they have failed to provide any debt validation proof. As a result of their placed collection without validation I had obtained an auto loan at not best terms as their alleged debt bring my credit enough points to get into second tier financing.
Consumer complaint received 2017-11-19
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. (SC)

My state tax lien was vacated/expunged by the DOR, however it is still showing on my Equifax credit report. I sent a certified letter to Equifax onXX/XX/XXXX along with proof of the Expungement requesting that the tax lien be removed from my credit file. On XX/XX/XXXX I received the results of the investigation and Equifax did not delete the tax lien from my credit file. Their response was they verified the information with XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX and spoke to a representative who first had a difficult trying to locate the file because she said it was archived. I informed her that the tax lien was expunged and no longer appeared in the DOR records or the County Register of Deeds records. The representative asked me to send her a copy of the Expungement which I scanned and emailed to her. I received a generic response stating they were currently reviewing my communication. I am at odds with Equifax because it is like pulling teeth to get them to remove inaccurate and damaging information from my credit file. Once they received the Expungement that should have taken care of it, there was nothing to investigate. My credit is suffering due to this and it is making it difficult for me to purchase my home.
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: EQUIFAX, INC. (NY)

my name is XXXX XXXX my social security number is XXXX my date of birth XXXX/XXXX/XXXX. my complaint is that equifax credit address pobox XXXX XXXX ga XXXX, the office of consumer affairs at equifax keeps giving me a hard time. in disputing my negitive information thats fraud on my credit report also i stated to the office of consumer affairs that i would like the security freeze to be premently remove off my credit report, every time i call the XXXX XXXX number to speak to a equifax representive to do a dispute i give them my confirmation number XXXX then when they access my report they tell me that they have to transfer me to the office of consumer affairs every time i get connected to the office of consumer affairs executive title XXXX XXXX ofr XXXX XXXX or XXXX XXXX keep telling me that they need a ssa form from the social security administration verifiy my social securtiy number, i dont understand why there asking me to do this in order to removed the security freeze off my report or do a dispute. i ve delt with XXXX XXXX from the excutive office of consumer affair back in XXXX when i did a dispute i send in a verification lettter from the social security adminstration verify my social XXXX and a copy of my birth certificate. and they have it on file along with my drivers license copy and utility bill. over the years i call equifax to do disputes i never had a problem until know, the issue is they keep refusing to remove the security freeze from my file is also refusing to do my disputes, until they recieved the ssa form, i told them several times that the social security adminstation no longer gives the letters anymore they told me to just send in equifax a copy of my social security card. also equifax block my file from on line acces, which means that i cant do any on line dispute, example go to equifax .com click on line dispute put in my confirmation number XXXX then my personal infor then sumimit, it will tell you they cant process my dispute on live, and the reson for that is the office of consumer affairs put a dummy profile in the system so when i put in my information it wont match, they have a different data base what they do is put my social security number in the system, but changr the address and date of birth and address in differently showing a different address and birth day. so ithat i cant access my account on line and block me out also from buy credit monorting sore wath from equifax. if you try to access my report through equifax .com youll see what i mean. also i wont like you to take action againt equifax for violating my constutional rights, i have a mortage pending and i need acess to my credt report. i can be reach at 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. (WA)

The Equifax data breach in XXXX XXXX affects a large portion of Americans and the self identification of whether you are affected or not appears to be bogus. Thus, it is unclear whether I personally am affected and what steps would be most prudent for me to take. However, the current uncertainty and lack of clarity from Equifax following this breach leads great credence to my belief that I should assume my information was breached.
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. (OK)

Equifax improperly stored my personally identifiable information and it was divulged in a security breach earlier this year. It will now be more difficult for creditors to positively identify me when I apply for credit for the rest of my life. This is entirely unacceptable and Equifax should be pursued to the fullest extent of the law. Equifax is currently only offering me help and restitution if I agree to waive my rights to legal arbitration, which is also unacceptable.
Consumer complaint received 2017-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (TX)

I contact my Doctor office to see did I have an outstanding balance, and they said know. 
The law is clear, they suppose too contact me first. And they did n't do that! .Since they violate the law, they should remove the negative information.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I'm a XXXX XXXX XXXX XXXX Veteran, I had a home financed with Wells Fargo Mortgage Account number XXXX for my VA home loan locations of home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past SEVERAL years i have told Wells Fargo that my loan was transferred to the VA and WF paid off, yet Wells Fargo continued to Lie, Misled, Alter documents and records and submitted for several years false and inaccurate information thus damaging my personal credit, WF refused numerous times to correct the Credit Reports and continue to lie and caused me serious financial hardships and higher loan interest rates etc .... This went on for years even the Credit reporting agencies told me time after time that WF reuses to correct the problems and it continued harm me. 

Finally Wells Fargo got caught and I received a letter that WF now admits they erred for years on my credit and loan on my home. This letter received last week admits the problem and they now years later are letting me know they screwed up my credit for years. It has cost me dearly to the amount of over {$11000.00} in financial loses and denials, and higher interest rates all because they lied. Knowlingy misled me, other banks, credit cards etc. all causing me financial ruin.
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. (CA)

Equifax was hacked and di n't properly keep my personal information protected. This breach puts me and millions of others at risk ... this is further exacerbated by the fact that Equifax handled this breach terribly. They did nothing to notify the public over the past several weeks, and I instead learned about the issue via social media. And they have now put the onus on us to figure out next steps and make sure we are protected. 

This is especially ridiculous considering I have never personally chosen to do business with Equifax - any business relationship I have with them is indirect. They are used by companies that I use ... so it 's rather disconcerting that a company I have never used in any form personally could affect me ( and countless others ) in such a negative way.
Consumer complaint received 2017-12-26
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: EQUIFAX, INC. (FL)

I received literature in the mail 2 years ago regarding a line of Credit for {$2500.00} from a company called XXXX. This line of credit was disguised as payday predatory lending. They took a fee of {$400.00} right off the top and only deposited {$2100.00} in my account. From then i was charged bi weekly finance charges plus some money off the bill. i closed the account down after a months because I was falling behind on payments and could n't keep up with the account. This account is now on my Credit Report showing as original Creditor-XXXX XXXX XXXX XXXX XXXX. I am not sure if they are registered with FL or FDIC. they are now being represented by XXXX XXXX. with a balance of {$2900.00}. I have tried to get debt validation on this account a few times but to no avail. Because it has been past 30 days XXXX will not send documents to prove they own the account. I have tried numerous times with Credit Reporting Agency to remove and they will not. XXXX has since updated their agreements and payment terms since i took out original loan. They will not send me a copy of my original contract because they sold off account. Need to get this black mark off my report and save others from this predatory lending.
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: EQUIFAX, INC. (NY)

XXXX & XXXX Account Number XXXX this account does not belongs to me it causing me a great deal of stress i would love to have them removed from my credit report XXXX & XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$240.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -