davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MD)

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 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XX/XX/XXXX to XX/XX/XXXX reflect on my credit reports showing late payments from Capital One. 
I recently contacted Capital One and spoke with a representative, they say its a recorded line so may be able to pull this call to listen. I spoke with a woman representative and asked for the CEO of Capital One email address. The representative put me on hold and came back to ask me why I needed the email. 
I told her that I needed to get late payments removed from my account due to me being out of work on short term disability. She then told me that they will be removed and my credit report should reflect this information in 30 days. 
I then received a letter in the mail stating Capital One is not going to delete the late payments. 
This is an unfair business practice to first tell me in a recorded line that the late payments are going to be deleted from my credit file and then send me a letter saying they will not be deleted from my credit file.
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. (IA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected
Consumer complaint received 2016-06-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I am trying to do a short sale on my home and the bank has come back with a valuation that is totally inadequate. No one came to my home to do an interior valuation. The bank only sent someone to do a drive by valuation. At this time my home has electrical issues and there is some semblance of mold in the basement. I have asked the lender to postpone the foreclosure sale to do a proper valuation and they are being unreasonable in their handling in this situation. I am desperate for some help/assistance.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax has a great deal of incorrect information on their report. I can not access the results of any of my complaints ; because they have an invalid address for me on their file. Each time I try to access information, I am unable to do so, because my accurate data does not match their files. I have notified them several times, and they will not correct the data. Once, I received a reply asking me to fax personal data, including my SSN, to an un-monitored fax location. Since Equifax has already proven that they can not protect data, I refused. Note : their recent hacks have made the situation worse. Their data is so bad, that I feel that my situation is hopeless. I have paid all debts that were mine, and I can not do anything about the bad data. I have filed over 100 complaints, and they do nothing.
Consumer complaint received 2017-11-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to contact TransUnion about an alleged debt that was reported on my credit report, unfortunately, i have had no success. the company " online information services '' that reported the alleged debt is not licensed with Florida office of financial regulations to collect debt in the state of Florida on behalf of any company. which is a violation.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (PA)

THIS REPORT WITH SUPPORTING DOCUMENTS WILL BE ATTACHED. 
1. Since XXXX I paid my credit card bill each month soon after I received it. 
2. On XX/XX/2016 - around the time Citibank was transferring my credit card from the original XXXX Universal Card to the Citi Preferred Card - I paid my XX/XX/XXXX bill online. 
3. I printed Citibank 's receipt of my online payment. 
4. My bank XXXX XXXX XXXX never received a transaction request from Citibank. 
5. I was surprised to see my XX/XX/XXXX charges plus a late fee on my XX/XX/XXXX bill. 
6. I paid my XX/XX/XXXX and XX/XX/XXXX charges. 
7. I sent Citibank a copy of the receipt of my XX/XX/XXXX online payment. I noted that the glitch had to have occurred on their end, since it was around the time that they were processing a transfer of my card. 
8. I requested that they drop the late fee. 
9. Citibank refused my request. 
10. CITIBANK 'S POLICY IS TO BLAME ITS CUSTOMERS FOR CITIBANK 'S ERRORS! 
11. I closed my credit card account. 
12. I am receiving extraneous communications from Citibank.
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. (MD)

I am told by equifax that I am a potential victim in their security breach. This improper protection of highly sensitive data opens me up to possibility that may include identity fraud, unauthorized credit usage, and unauthorized access to personal documents.
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. (IA)

On XXXX XXXX, XXXX, Equifax announced a cybersecurity incident impacting approximately 143 million U.S. consumers. The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver 's license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. 

On XXXX XXXX, XXXX, I used the https : //www.equifaxsecurity2017.comXXXX website to check my impact. I received the following information : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' As of today XXXX XXXX, XXXX, I have not been able to get any further information from Equifax about the status of my credit, whether my information is secure, how it was released, why I was not informed earlier, or why I am not able to get credit monitoring immediately ( see below ). 

Although Equifax is offering credit monitoring, they have not yet allowed me access. Creating a further problem for me and my credit, Equifax is covering the credit monitoring for only one year. Malicious parties who stole my information can sell this information on black markets and simply wait one year to begin exploiting my data to steal my identity and illegally get credit in my name. 

Equifax did not secure my information with appropriate best-standard practices. My credit and financial life are now at risk and very vulnerable to fraud. Equifax did not properly disclose this breach to me. I learned about it on the news rather than directly - they have my contact information therefore should have notified me directly as their customer. Additionally Equifax has failed to provide sufficient information or protection for me and my credit/financial data. 

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.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE XXXX BREECH .I had XXXX inquires as of XX/XX/XXXX -XXXX 2017 all  of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP SCREWING CONSUMERS LIKE MYSELF
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

i was attending college at XXXX and XXXX. at the time the only loans i could get was thru XXXX aka navient and that is with my mom as a co-signer on XXXX of the loans i took out. once i stopped attending college around XXXX my debt to them was roughly XXXX, i couldnt make the payments they wanted me to make pretty much forced forbearance unto me. in XXXX i decided to try to finish school by attending an XXXX so i could continue working full time. by XXXX my " in school forbearance was up '' and they said i had to start making payments of that time the debt was roughly around XXXX. i advised them i couldnt make the {$900.00} payments and offered to make payments of roughly XXXX given my income and the needs of my son and they only solution they could offer me was another forbearance, no income base program no nothing. they had it listed on some of their documents and website that during any forbearance i could make {$25.00} to keep the interest off. During the winter of XXXX early XXXX i was informed i was no longer able to take anymore forbearances and they would accept payments no less than XXXX a month for a debt of XXXX. in just 3-4 years it doubled. because of this jump i had to move in with a friend instead of keeping my own place where my XXXX son could come and visit to try to swing any amount of money i could to try to make the payments. I made roughly 3-4 payments of XXXX the best i could do still wasnt the amount they wanted however. after realizing i would be homeless if i kept it up i filed for chapter XXXX protection to stop being hammered by their outrageous interest rates because private student loans couldnt be wiped clean or reduce using a chapter XXXX once they found out i was going into chapter XXXX they attempted to do an IBR but it was still in the ball park of XXXX dollars according to them. i proceeded to file chapter XXXX because it was the only way to escape their XXXX plus calls a day starting roughly XXXX and ending sometimes at XXXX. it also prevents per my attorney from adding on any interest to it though i suspect once chapter XXXX is over in 5 years im sure they will be waiting to add on another XXXX easily. because of all the interest that has been tacked on i am unable to buy a house or buy a car anymore because of income to debt ratio. because of these loans i have to work my self to death just to try to provide for my son and also to make sure my mom doesnt inherit any of these loans.
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)

Upon checking whether my personal information had been stolen via https : XXXX, I was told that it may have been stolen. This data breach allegedly began in mid-May XXXX, was discovered on XXXX XXXX, XXXX, and was reported in a press release on XXXX XXXX, XXXX. Obviously, there will be an ongoing investigation of whether Equifax was negligent in its management of consumers ' personal information. Meanwhile, I think it is clear that they have failed to follow up appropriately on this event in two important ways : 1 ) It took them 40 days before they released any information about the breach 2 ) When they finally did acknowledge that the breach had occurred, they made no effort to contact potential victims, instead issuing a press release that may or may not be noticed by victims
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE EQUIFAX BREECH .I had XXXX inquires as of XX/XX/XXXX -XX/XX/XXXX all of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP XXXX CONSUMERS LIKE MYSELF
Consumer complaint received 2017-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

First, on XX/XX/XXXX, I called Nelnet & spoke with XXXX ( customer service representative ) regarding a letter I received in the mail dated on XX/XX/XXXX for a student loan that XXXX claim to have never received a payment. In addition, according to XXXX their computer system shows that I 've never contacted them before, they have never received a payment from me, she does n't know anything about the university ( student financial services ) placing a hold on my student account for tuition fees of {$1000.00} on XX/XX/XXXX,  and their computer system shows that I received {$8000.00} ( subsidized ) & {$8000.00} ( unsubsidized ) student loans totaling {$16000.00}. 

Finally, I was only issued by the university three tuition refunds for two semesters ( XX/XX/XXXX & XX/XX/XXXX ) based on my enrollment status with refund dates & amounts along with last payment as follows : 1. XX/XX/XXXX = {$1200.00} 2. XX/XX/XXXX = {$2400.00} 3. XX/XX/XXXX = {$3700.00} The total from those three payments is {$7400.00} with the last payment from the hold placed by student financial services made on XX/XX/XXXX for {$110.00}. My total amount of payments made towards tuition as of XX/XX/XXXX is {$1000.00} with the remaining balance at {$6400.00}.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (WA)

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

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-02-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ability Recovery Services, LLC (TX)

I was a victim of identity theft and noticed a collection from Ability Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Ability Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-09-09
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: Experian Information Solutions Inc. (NC)

This compliant is regarding numerous letters mailed and faxes to XXXX, XXXX, and Experian Credit Bureaus since XX/XX/XXXX, I have kept documentations on when letters have been mailed and when they have been received by XXXX In these letters I disputed very old accounts that contain concerning information which is not correct and it is affecting my credit report and score. I disputed the accuracy of account # XXXX from XXXX XXXX  and the three accounts with XXXX XXXX accounts #  XXXX. 

These items are in violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ), I have never owed this company and wrote XXXX, XXXX, and Experian about its accuracy and why it is appearing on my credit report. I have not heard anything from them and asking for proof to show which has been continually ignored and not provided. I have also repeatedly asked for evidence to support there reporting and their method of verification and they have failed to comply accordingly.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Equifax is not allowing victims of their own data breach to place credit freezes on their account without charging them. I understand the process and that I can only supposedly get one with a valid police report, but I should not have to pay money to the entity that confirms it lost all my personally identifying information in a massive security breach. I would like my credit to be frozen on their end and I want them to reimburse me the {$20.00} I spent to put credit freezes on my XXXX and XXXX reports, as I should not have to pay for their mistake. I have attempted to call Equifax, find a way to contact them through the web, and have not been successful. Their automated system does not have any option to place a freeze without paying, there is no option to talk to a representative. I do not want to sign up for their credit monitoring and bind myself to their arbitration agreement. This is the single-most egregious thing a company has ever done to the American Consumer as a whole. I want my credit frozen and the cost of my freezes at the other two agencies reimbursed.