davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-27
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. (ND)

I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my Trans Union,  XXXX and XXXX credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax mishandled my personal information including such items as name, social security number, address, birthdate, driver 's license number, and possibly more. 

They allowed a data breach to occur, and they confirmed I could be affected on their website, XXXX. 

They have put me and millions of others at risk of identity theft and/or fraud due to negligent security protocols in handling consumer information.They are further attempting to profit from the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services.The negligent loss of personal information of millions of consumers is unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2017-08-27
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: Innovis (TN)

multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a chXXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

innovis XXXX XXXX XXXX XXXX XXXX all guilty and have lied to me on paper about what they have done.
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. (PA)

Today, XX/XX/2017, I used Equifax 's tool at https : //www.equifaxsecurity2017.com/potential-impact/ to determine if my account was affected by the recent security breach and was informed that my personal information may have been compromised. As of now no fraudulent activity has taken place, but that does not mean my information has not been taken by an outside party. This was made possible by Equifax mishandling user 's data and thus putting millions of people at risk.
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)

Due to an apparent lapse in security protocols, my information along with millions of other credit customers was compromised in an illegal hack. This leaves me exposed to, among other things, identity thieves, spam, individual hacking attempts, and various other violations of my privacy. Equifax needs to be held accountable for this breach.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I was informed on XXXX XXXX, 2017 that Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. In response, I placed an initial 90 day fraud alert on my file. When I visited the Equifax website to see if I had been affected, I was informed that they had reason to believe my information may have been compromised.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have been since XXXX of 2016 requesting a short sale I have been working with SPS, I Have submitted many complaints to try to get the problem of SPS asking repeatedly for document 's they say need to be updated only do to SPS not processing them in a timely manner, as of XXXX/XXXX/16 the complaint I submitted was answered ( with SPS needs more updated document 's ) ( that is the Complaint ) it has been almost a year. on XXXX/XXXX/16 I was referred to the Ombudsman XXXX. to expedite the paper work for my short sale request. I have spoke to a number of people in the Dept. the last to be supervisor XXXX XXXX XXXX who on XXXX/XXXX/16 I was told I would have a answer, in XXXX to XXXX hours since then, I have not been able to get a phone call back and I did not receive a answer but I did get a request for more updated document 's, on XXXX/XXXX/2016 my biggest concern is that SPS has required the title company XXXX XXXX ) different times to change the PRE HUD this last request is that line XXXX be correct to have a number that Bank XXXX XXXX gave them as a payoff amount 8 months ago, be changes, this is a Pre Hud the numbers are not to the penny, and will not be XXXX SPS has a closing date I have spoke to Bank XXXX XXXX, they close the file, in 30 days by law iff a short sale is not completed. SPS has cost me to lose my lawyer to represent me, due to the repeated request for updated document 's, they have had XXXX XXXX XXXX restart my file over many times, causing the realtor, to redo there part of the short sale, and my husband and myself costing me money to keep the unit overhead paid every month, that we do not have. I have now had to go to a debt consolidation firm to help with my bills, I need this to be over with. 
I have been not able to get a return call from XXXX XXXX in the XXXX XXXX. to tell me what happen. 
I have made many complaints, and I get the same response fro SPS we need more document 's updated, I am hoping this time XXXX XXXX will contact me, with a solution to this on going problem. 
it has been 8 months.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On XXXX/XXXX/XXXX, Equifax notified me that personal information including my SSN and credit report had likely been leaked as part of a cyberattack. They informed that I am now at risk for identity theft and fraud. This is information that I never directly gave to Equifax, so it is especially egregious that they allowed my information to be shared with the unknown cyberattackers. Equifax 's proposed resolution was to offer me a year subscription to an identity theft monitoring service, subject to the acceptance extensive terms that limit my options for legal recourse.
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. (MA)

The equifax hack announced in XXXX XXXX, 2017 has affected my SSN. This has been confirmed by their official website with my information. That means that due to their negligence, my personal information is out there for someone to steal and use as identity theft. The lack of transparency from equifax is unprofessional, not to mention the fact that this happened in XXXX and they wait 2 whole months before telling the public.
Consumer complaint received 2017-04-30
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. (TN)

XXXX   XXXX  offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither  XXXX   XXXX  nor the  XXXX  credit bureaus ( TransUnion,  XXXX , and   XXXX    ) will ho nor removing the inquiries even though I was solicited by   XXXX   XXXX  . The FACTS states inquiries can only be pulled under certain conditions and " firm '' offers a re one of those conditions. Here is a reference to the code under ( c ) ( 1 ) ( B ) ( I ) : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accor  dance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, suc h consumer consents to the consumer reporting agency to such furnishing.
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (GA)

In XX/XX/2016, I ordered XXXX dog pillows from XXXX online. The items were returned because it was not what I expected. I paid out of pocket to have the items returned because I did not want the credit card ( Comenity Bank ) to be charged. This transpired less the 10 days from initial order. The credit card sent me a bill because XXXX did not report to the credit card the items where returned within the time so not to get a charge from the credit card. I was not successful when I tried to get this error resolved. Comenity Bank representative advise me to pay them although I did not have the items. This situation is very discouraging because I returned the items within the time so the credit card would not be charge, as well as the credit card fees for items that where returned.
Consumer complaint received 2017-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Stellar Recovery, Inc. (CA)

on XX/XX/XXXX my XXXX account was send to collection with a balance of XXXX dlls that was how much the company was charging me alleging I did n't return a cable box, wich I did, when I hire XXXX as my cable provider they sent me a total of 4 boxes on the mail to connect myself, but one of them did n't work and I went to my local XXXX office to exchange it and they did, but what they did n't do was to record that I was actually returning a box, when I cancelled my service I had to return 4 boxes but they were saying it was a total of 5 boxes I did n't pay then, and they put me on collection after a few years on XX/XX/XXXX, I went ahead and pay the debt, that 's ok, but that 's not my complaint, my complaint its about the collection agency not deleting the record of the debt so my credit scores can go higher, the name of the company is XXXX XXXX XXXX.i called them several times asking if they can do it but my answer is always no, Hopefully you can help me and so I can be able to bring my credit scores higher. thank you
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reached out to Transunion and was treated unjustly. 
The customer service reps were rude and I was hung up on several XXXX times after being hold for over 30 mins a call and my issue was never=== resolved. My inquiries were deleted and reinserted back to my credit report and I was never notified or given reason why. According to the XXXX that is unlawful. I am requesting the inquires be permanentlyXXXX deleted. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NXXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX TRANS UNION Inquiry XXXX XXXX, XXXX
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My " XXXX '' account. 
This account is reporting incorrectly ... .The balance is being reported incorrectly. The account was paid in full on XX/XX/2016. The reports was updated to XXXX balance XX/XX/2016. 
On the XX/XX/2016 thru XX/XX/XXXX Trans Union appears to be reporting the balance incorrect. The new balance as of XX/XX/2016 was {$1.00} XXXX statement. 
According to XXXX they claim to have reported {$1.00} as the current balance XXXX/XXXX/2016. However the balance is still reporting at {$1400.00}. Request was made to Trans Union on the XX/XX/XXXX to update to the correct/attached to a XXXX Balance. 
Please have the correct updates made to reflect the correct reporting/balance/High credit limit. 
Thank you, XXXX
Consumer complaint received 2017-08-26
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: Bread Financial Holdings, Inc. (NJ)

I ordered a pair of shoes from XXXX and paid with PAYPAL credit- the shoes were sent in the wrong size ( box said one size shoes another. ) I was willing to send shoes back at the sellers expense. I contacted the seller and they did not resolve this. I filed a dispute with PAYPAL and their response DID NOT even address my issue. It was clear they did not even read my complaint.
Consumer complaint received 2017-08-26
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. (IL)

In late '16, I was admitted to hospital and knew I was not going to be working due to illness. I contacted Navient and explained situation. They were very informative about my options and told me I need to fill out a form to have a deferment while I was unemployed. I asked if this was granted, I would not be officially behind in my payments. 
They stated I would be current and no late payments would show on my credit. I also asked if this freezed the loan and payment schedule, she stated it would. 

In XXXX, I checked my account to see when my payments begin and to my shock, interest was accruing during the ENTIRE deferrement period. In fact, I also noticed it had accrued from the moment I graduated. Noting this, my parents figured out my loan would cost over $ 15k in interest alone due to them NOT freezing the loan as stated and the interest over the life of the loan. 

As a result, I am fortunate that my parents paid off the loan in full to stop the bleeding. I now pay them a fair monthly amount with a fair interest payment saving me over $ 13k in interest alone. I know not every student is this fortunate, but I would hope the company would let us know that the day we graduate, interest starts. I would also hope they do n't tell other students looking for work that you can freeze your loan when in fact, interest is still ticking. 

I hope they cried when they received the balance knowing they lost out on my account.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion Keeps putting 90 Day Initial Alerts on my credit profile without my permission. They keep doing this because I am sending Validation Letters ( not disputing ) but asking them to provide physical proof that what they are reporting meets FCRA guidelines, meaning the information is Accurate, Complete and Verifiable. They have been unable to do so and instead of doing their job they just keep putting these alerts on my file to make it hard for me to apply for credit. Lets face facts, the law that is on the books that is supposed to govern the credit bureaus is not working. They are breaking the law, not doing as they are required and when myself a consumer asks them to provide proof or remove an item they get mad and whine like little babies and put these alerts on my file. I am tired of this. This is the 3rd time this has happened and I will file these complaints every time to make these guys stop doing this. Just do your job, stop abusing the law and stop telling me that I have to provide proof from the original creditor. I am not the one that is reporting the information so the burden of proof is on you as a company.
Consumer complaint received 2017-05-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (IA)

I have a line o f credit with Wells Fargo.  On Friday,  XXXX   XXXX , I called to make a payment towards the line of credit in the form of an electronic debit from my non-Wells  Fargo  checking account in the amount of {$300.00}. In reviewing my checking account balance today  (   XXXX   XXXX ,  2017   )   Wells Fargo  applied  XXXX  charges of {$300.00} each for a total of {$600.00}, instead of  XXXX  payment of {$300.00} as I authorized.     I c  alled Wells Fargo this morning asking them to credit the {$300.00} iinot my checking account right away but I was told that it will take them between 10 and 15 business days to credit the {$300.00} back into my account.
It is unfair that I have to make my payments on-time if I want to avoid a late payment and/or other fees and a negative   impact on my credit history/scor  e but Wells Fargo gets to charge my checking account without my authorization and not give my money back until it is convenient for them.
It is also abusive that I have to deal with the consequences of not having the money that I count on to pay other debt at this time of the month, such as my mortgage, because Wells Fargo refuses to credit the {$300.00} into my account right away.
Consumer complaint received 2017-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

PORTFOLIO RECOVERY calls 2 -3 every other day but never leaves a message. I looked them up on the web site XXXX and the consumers complaints are that they are a debt collection agency. I have no debt that I owe anyone. Their phone numbers changes every time they call so it 's impossible to block their calls. I 'm frustrated with all the scam/fishing calls I continuously receive every day. When is the government going to start making examples of these companies that completely ignore the Do Not Call registry?
Consumer complaint received 2017-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

It has been an ongoing situation with US Bank. We just found out yesterday that the loss mitigation has been denied. We sent in a mortgage payment and they sent it back to us. They accepted the last months payment. We have sent in many documents that they have requested of our finances and they still say that there are documents missing. I firmly believe that the right hand does n't know what the left hand is doing and they are letting papers fall thru the cracks. I have sent them by registered mail and all I get for a signature is a squiggly line when it specifically says print and signature needed. 
US Bank has assigned us many relationship managers to deal with us and when they assign us another RM we have to explain all over again to that one. Then we get a call from US Bank that everything looks good and that they do n't need anything else. 
Please help! We are tired of all of their wishey washey dealings.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HireRight Solutions, Inc. (SC)

My potential employer requested a background check from HireRight. I received a notice from my employer that they would not hire me based on information they received from HireRight. Their report included a criminal conviction from 1988 that is an error. Also, the background check was only supposed to go back 10 years but clearly they went back 30 years to find a record that does n't even belong to me. My problem is that they 're reporting is haphazard at best. Surely, they must have access to a myriad of other data points that they could have used to discount this erroneous record. Lastly, they asked for documentation to clarify past employment. I sent them additional documentation which they did n't even bother following up on.
Consumer complaint received 2017-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Hello : My name is XXXX XXXX. I have a complaint in regards to a debt collection agency named I.C. System. I disputed this debt and recieved the following from XXXX. 

XX/XX/XXXX Completed I C SYSTEM Reported on XX/XX/XXXX {$1100.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This is not my account. It belongs to a relative or a person with a similar name or address. 
Dispute Results From XXXX I log on to my XXXX XXXX report, on XX/XX/XXXX to find this company has now sold this non-valid debt to XXXX, XXXX phone number XXXX two days after the completion of this report on XX/XX/XXXX. XXXX XXXX XXXX has now reported this to XXXX further damaging my credit. I attempted to dispute this directly with XXXX ; however, now XXXX will not let me do so due to the system being temp. down. This is not okay and I expect results. These debt collectors practices are illegal and should be prosecuted to the full extent of the law.