davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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 XX/XX/2017, Equifax discovered a security breach involving extremely sensitive, personal identification information of millions of Americans, including social security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers. I was one of the persons affected. 

While Equifax is indeed a victim of this attack as well, I find it unacceptable that Equifax waited more than a month to inform the public of this breach. This gave the criminals far too long to exploit the information that they stole. They should have acted as soon as possible to inform the millions of other victims of this attack. 

Further, Equifax has set up a system to offer a free credit monitoring service for those affected. Unfortunately they are tying such an offer with a requirement to settle any disputes with them in arbitration, rather than the courts. Having a day in court to settle grievances is a fundamental right of every American. I believe that this is a tactic that Equifax is using to limit their liability and/or to limit the amount of monetary penalties that they must pay for any wrongdoing that future lawsuits may find that they are responsible for. 

Finally, I wonder how such a breach occurred, what could have been done to prevent it, and whether or not Equifax did take every reasonable precaution to prevent these sorts of attacks. I believe that an investigation should be conducted by law enforcement or lawmaking bodies such as Congress to determine the answers to these questions.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I received my credit report on XX/XX/XXXX and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2018-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

According to the closing documents, the PMI payment was not included in the escrow account, and was to be paid out of the regular monthly payment. After the mortgage was sold to another servicer, the new servicer started paying the PMI out of escrow, great reaching the amount in escrow, which is to pay for property taxes and home owners insurance. I have made all my payments on time until the change is the escrow account, and I have talked with the loan servicing company, and the representative I talked ( XXXX at LoanCare ) to agreed that the problem was on their side, and that an escrow analyst would call me back. That was 10 days ago, and since then, I have been repeatedly be getting automated calls to call LoanCare. They have not resolved the problem, and it is very difficult to talk to anyone who can actually resolve the issue. Because of the issue, LoanCare has been reporting to credit agencies that I am 30, 60 or 90 days behind on the loan, which a significantly downgraded my credit ratings.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I had an AmEx Gift card for {$100.00}. I did not make any purchases using this gift card but when i tried to use it there was no balance in the card. I checked online on the AmEx site and it shows 4 transactions made in XXXX XXXX. I have never been to XXXX XXXX so seems like there were fraudulent purchases and I lost al the {$100.00} gift card balance. So far AmEx has been very unhelpful.
Consumer complaint received 2017-09-08
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. (MS)

Several months ago ( mid XXXX to XXXX 2017 ), personal information including my Name, Address, SSN,  credit card numbers, and other information was accessed illegally through Equifax 's poorly secured databases. This breach was only recently made public although they have known about it for months.
Consumer complaint received 2017-09-08
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. (OH)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-08
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)

I 'm impacted by the recent Equifax breach. My information is available to whomever obtained this data. They knew about this issue for 3 months and barely made people aware of this. This is not acceptable.
Consumer complaint received 2017-09-08
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. (OH)

Equifax has mishandled my information which has led to a massive data 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 have received no email, letter, or phone call and instead had to discover it via social media. 
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Consumer complaint received 2017-09-08
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. (CA)

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last 2015, this credit reporting company would comply to the settlement. According to this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-08
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. (NC)

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 while doing other things online.
Consumer complaint received 2017-09-08
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 breach allowed my sensitive information to be collected. They then offer credit monitoring services which will most likely expire within a year, unless I pay them for this service. Why should this be if my highly sensitive data is out there forever. We are forced to rely on them for credit reporting and give up our information when they themselves can not even keep it secure.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

My personal information, potentially my DOB amd SSN have been compramised as part of the Equifax Data Breach known by Equifax as of XX/XX/XXXX.
I was not notified that my data was at risk and am now forced to take actions preventing theft of my identity for the rest of my life.
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

This is my last effort to resolve this matter before I pursue to taking legal action. 
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
Consumer complaint received 2017-09-08
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 Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXXof this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. 

I checked https : //www.equifaxsecurity2017.comXXXX and the results showed that I have been impacted by this data breach.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

When I learned Navient had my student loan, I contacted Navient to apply for Income based repayment as I could not make the high monthly payment they were asking. They told me I qualified only later to find out I was on a forbearance.. About 2 months ago, I wrote to Navient asking about a Loan Forgiveness because XXXX XXXX XXXX closed all schools and I believe I was entitled to this. I have yet to receive any information from them. Navient has not communicated with me about this matter.
Consumer complaint received 2017-09-08
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. (TN)

" 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 ... Some XXXX and XXXX residents were also affected. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' I have done what should be done - 90-day fraud alerts set up, checked my reports to see if it 's been used yet and it has n't - but, the fact that Equifax ADMITS IT HAD A VULNERABILITY ( IT KNEW ABOUT ) is absolute XXXX. They should have fixed it LONG before someone was able to find and use it. HUNDREDS OF THOUSANDS of people had their information read/stolen, and all anyone can do now is sit and wait and hope they were n't picked. I want them held accountable for their XXXX.
Consumer complaint received 2017-09-08
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)

On XX/XX/XXXX Equifax was hacked and lost roughly half the country 's social security numbers and other personal details, and then waited over a month to announce this publicly. 

I went on their website after it was announced yesterday and checked and it appears my details were leaked. For this gross negligence and mishandling of my and millions of other people 's details they are offering one miniscule year of credit monitoring, which is idiotic considering years from now this could still cause me problems. 

I want government intervention and this miserable company as well as all their CEO 's and its executives held to justice for the gross negligence exhibited by the company.
Consumer complaint received 2017-09-08
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. (TN)

This is one of many complaints you will receive about Equifax 's security breach. I was not alerted in any fashion and only found out through word of mouth that my social security number, full address, date of birth, and possibly drivers license are compromised. Since Equifax offers a way to unfreeze credit using this information, it is impossible for me to guarantee illicit use of my information even if I employ a credit freeze.
Consumer complaint received 2017-09-08
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)

I am very unhappy right now as my personal information was tamper with. I do n't understand as a company with this magnitude could allow something like this to happen. You put your trust in a company that is suppose to be secure and make sure all your information is kept private and it has been comprise. I want to know how you guys will fix this matter. I am really angry right now as to know that some where out there someone have my information and can using it. I have already been a victim of identify fraud. Why did it take you guys six weeks to notify myself and other consumers of this security breach, this is wrong. You guys know this is not acceptable coming from this company. This is wrong! wrong! wrong! Shame! Shame Shame! I see that your executives was able to sell their share to protect their money shame you guys. I will pray hard for you guys and contact my lawyer.
Consumer complaint received 2017-09-08
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)

It was just reported ( XXXX XXXX 2017 ) that Equifax, one of the 3 main credit reporting bureaus, was hacked and breached, beginning in XX/XX/XXXX, and millions of Equifax users, like myself, may have had very sensitive personal information stolen. I am outraged at the delay in reporting the breach to consumers, which, according to security experts, could have been prevented by creating multiple layers of security that Equifax did not install. Moreover, it was additionally reported that several high ranking Equifax executives sold millions of dollars of Equifax shares before the breach was made public. These people should be prosecuted, if possible, but at the very least they should be fined an amount that exceeds any profit made on the sale of their shares. 

Equifax created a webpage for consumers that supposedly would allow them to check if they had their data compromised. When I attempted to go to this page, my XXXX security software issued a warning that this site was a high risk. Im not sure what steps Ill take next, but I want to complain in the strongest possible terms about the incompetent and indifferent actions Equifax took and is taking in this matter.
Consumer complaint received 2017-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I opened an account with XXXX on XX/XX/XXXX and the account was charged off several years ago, the account has since shown up on my credit and the debt company is trying to recollect funds and showing this a charge off in XX/XX/XXXX. I have not had any contact, signed or borrowed anything from XXXX since at least XX/XX/XXXX at best guess making this account at least 17 years past charge off! This needs to be removed from my account.
Consumer complaint received 2017-09-08
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: Experian Information Solutions Inc. (CA)

In correspondence dated XXXX XXXX, XXXX, I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2017-09-08
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. (TN)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2016-09-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (SC)

For the last 5 years Syndicated Office Systems and Central Financial Control has been putting duplicate debts on my credit report. I have attempted to dispute but was given the run around. These two companies have a total of {$19000.00} on my credit reports when they have only verified XXXX account for {$2300.00}. I have paid a few grand about {$3000.00} over the last few years only for them to never update my report or lessen the amounts. I am aware of a lawsuit against them and want these removed. They have ruined my life making credit hard to obtain because of the false information they have reported. I have attached my credit report that shows the same amounts being reported by the same company under differnt names. This has been a nightmare and they have been absolutely no help.
Consumer complaint received 2017-09-08
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)

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.