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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Equifax has mishandled my information, which has led to a breach that puts myself and millions of others at potential risk. I am profoundly disappointed with how Equifax has handled reporting this breach to me and other consumers. 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 news about the breach via social media and word-of-mouth. 

This breach has cost me several hours of time and money to freeze my credit and financial records with four different reporting bureaus, including Equifax, XXXX, XXXX, and XXXX. Furthermore, this breach will continue to cost my time and money for unfreezing reports and possibly disputing any identity theft or fraud as necessary in the future. 

This is an undue burden from Equifax, a company that I have never voluntarily chosen to do business with ; they are merely a vendor of my financial vendors and creditors. 
Please take prompt and decisive action to ensure that I and others are compensated for Equifax negligence and ensure that something like this does not occur again.
Consumer complaint received 2017-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (SC)

I recently noticed several ( 5 ) accounts listed on my credit report from a debt collector, Lanier Collections, and I do not know anything about these accounts nor have I received medical treatments from the entity they are representing. I am not responsible for these fraudulent accounts.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much XXXX that goes on with in credit and you guys try Remove them as well, all inquiries please XXXX XXXX, XXXX/XXXX, XXXX, XXXX  XXXX, XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Equifax XXXX
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a credit report attributed to me ( my credit report ) from Transunion and XXXX. The gross errors are alarming together with the facts that I am falsely accused of an address I never had ; a bank account at a bank I never had an account ; a spouse listed which I never had ; a middle initial I never had ; a similar name to mine which belongs to someone else and has the same middle initial but a different middle name ; and the list goes on. It keeps listing a student loan outstanding. I never, ever even had a student loan or used one. And the list goes on.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much bs that goes on with in credit and you guys try Remove them as well, all inquiries please XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion XXXX XXXX  XXXX
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax is refusing to allow me to place a freeze. It is insisting on a written request. The information it is wanting me to submit in writing is no different than what was already provided on the online form. It provides no explanation. My wife and I are both working on the accounts. One went through no problem ( same addresses, etc. ). The customer help phone number simple says that department is not available. How much more damage would be done while waiting for the written response? Who will compensate me for all my lost time working on this issue? When did I ever opt-in to be an Equifax customer? I am damaged by this. I expect California to file suit against Equifax to recover the damage. 

Thanks, XXXX XXXX
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

This was the only online way I could find to register these general comments. 

Seems to me like the credit monitoring services come out ahead whatever the consumer elects to do. 

After the hack headlines, those $ XXXX- {$10.00} charges to freeze credit reports will amount to a lot of new revenue for them. 
Why should the consumer pay for this when we did not hire them and are not their clients -- businesses are. 

Plus, in the freeze process, the services want your SS # and confirmation of other info before letting you know if your info has been compromised. Given what has happened, they have lost my trust. No dice. 

I hope the cfpb can do something about this.
Consumer complaint received 2017-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AL)

Money was taken out of my account ( {$62.00} ) On my payday. Every thing was fine until later that day the when I went into earnedin it was saying my account was on hold for {$51.00} but the money hasnt come back to my account or anything. There is no record that it was even there.
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: United Student Aid (USA) Funds (TX)

Unannounced to myself, XXXX sold off about 15-16,000 $ of my ( at the time XX/XX/XXXX ) defaulted student loans to a company called USA FUNDS, INC . Even though I came back and got into good standing with XXXX, they did not help consolidate or even inform me that they did not hold the full promissary note. Since XX/XX/XXXX-XX/XX/XXXX, when I got in goods standing with what I thought was the full amount of my loans and began repaying them, they did not contact me or give me information that there was a second owner on a separate set of loans ( Even though it is accessible in their systems I came to find out, via an on the phone representative ). In that time they managed to predator-ally farm my interest up to over 23,000 $ in total with the loans. That 's roughly about what I make in a year as a XX/XX/XXXX. Now, they suggest I go through a government consolidation program, and use XXXX as a provider, and I will end up paying all of that interest for the sale that they hid.
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XXXX XXXX, 2017, I applied with Capital One for a Credit Line Increase - I was denied. I was able to open a new line of credit with Capital One. I was advised by a representative - even though my exposure would remain the same, I would be unable to merge the lines to one Line of Credit. I also was advised that ALL credit decisions are computer-based and their company does not take part in judgmental lending, period. Both requests were made same day, within an hour. Judgmental lending is necessary for a healthy credit relationship, as computers are not as smart as we give them credit for. These actions make NO SENSE.
Consumer complaint received 2017-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

XX/XX/XXXX XXXX XXXX now it 's NAVIENT Amount taking out in XX/XX/XXXX was {$5800.00} Amount now in XX/XX/XXXX is {$5200.00} Plus accrued interest each month {$50.00} Interest rate XXXX Pay in so far {$11000.00} Auto pay month payment {$110.00} I keep contracting them try to understand why this loan keep changing and not being pay off. It 's been 14years. They told me it wo n't be pay off until XX/XX/XXXX. They continue to change the monthly fee. They said it was a 48 month loan. When I spoke with them today it was 189 month loan. So I ask once again for the paperwork on this and it will take 2 weeks found it and send it out if they have it. They will put in a request for the paperwork and payment history. I have ask several time to send me a payment history. They said they would and I still have n't seen it. I keep talking to them but its going know were. I get lots of excuses. It 's pretty bad I had to complain to BBB so they can contract NAVENT to figure out why I did n't have account when I called. But was being bill each month NO PROBLEM. They sure no how to take the auto payment for XXXX each month too. They continue to be rude and to top it off they always put you on hold 5 to 10 min so they can look up information each time you ask a question or your call gets drop. Then you have to start all over again when you call back. Then they still do n't know what I 'm talking about it. I have try to pay it off and they wont let me and take off co sign they wont let me. I do n't feel my co sign needs to be on here any more. I have great credit. They will not let me Refinance either. I have try everything. I have talk to my bank they do n't understand why this not payoff or why they there not working with me. The interest that has been paid in is way more then they have every seen for a loan of this amount XXXX loan. PLEASE HELP STOP THIS MADNESS.
Consumer complaint received 2017-08-10
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. (FL)

I have sent at least three letters to XXXX, Experian, and XXXX in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.
Consumer complaint received 2017-08-10
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 have sent at least three letters to XXXX, XXXX, and Transunion in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.
Consumer complaint received 2017-08-10
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: Experian Information Solutions Inc. (GA)

XX/XX/XXXX XXXX XXXX i have called, sent in letter 's. XX/XX/XXXX XXXX XXXX sent in letter 's XX/XX/XXXX XXXX of i have called, sent in letter 's XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX sent letter to dispute XX/XX/XXXX XXXX called and company sent letter XX/XX/XXXX XXXX sent letter XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

Telephone call to Equifax to place a secure freeze on my account on XXXX XXXX XXXX, XXXX PM XXXX resulted in " Automated system inoperative at this time ... call back later ... '' Using the internet for Equifax resulted in their system being down : See below : Get Answers. Take Action. 
Home Contact Us Equifax.com System Currently Unavailable - Error XXXX We 're sorry. We can not process your security freeze request online at this time. Please try back later. 
To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX Box XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you. 


Equifax XXXX XXXX, XXXX Considering the security breach on Equifax, they need to improve their systems AND not charge for initiating the secure freeze or removing the freeze. Also, the XXXX executives of Equifax who sold $ XXXX PRIOR to announcing the breach need to be fined and imprisoned. Also, if the breach was determined on XXXX XXXX, XXXX why did they take kuntil XXXX XXXX XXXX to make it public - perhaps to sell more stock?
Consumer complaint received 2017-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (MO)

My employer deposited my payroll check via ACH to my checking account on XXXX/XXXX/XXXX for XXXX which would have given me an available balance of XXXX. I received a text telling me of the deposit on XXXX/XXXX/XXXX. I had a check for my rent to go through on XXXX/XXXX/XXXX for XXXX. I received another text alert on XXXX/XXXX/XXXX saying that the check cleared my account. Then I woke up to a text around midnight telling me that an overdraft fee posted to my account. I went into the branch the next morning on XXXX/XXXX/XXXX and talked to a rep who said the check was returned and I received an insufficient funds fee because when the check went through it took me negative XXXX. I asked him why and explained the deposit that I was alerted about, showed him the text messages and he basically told me that the text banking and mobile alerts are unreliable and that I should have looked at online banking to get my available balance. The text alert I received was not good enough because it did n't say my available balance and the only thing it was saying was my employer initiated a deposit. Basically telling me of the back office work. He said they have a 3 day window to post the ACH deposit to my account and they did it in 1 day. Then he said it could take them XXXX to 10 day to post ACH items and that was in the disclosures I received when I opened my account ( years ago ). He printed out my account activity but it had different dates that didnt go with the text and email alerts I received. He said he had to talk to his XXXX who wasnt there about refunding the fee. I asked was there someone else to talk to about this and he said the branch XXXX isnt there on the weekend and then gave me their cards and pointed out the customer service number and told me they can point me in the right direction or explain it better. He told me that had I deposited cash into an ATM it would be available immediately and I told him that 's not true and this had happen to me before but he did n't seem to believe anything I said according to the smirk on his face.
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company will not update my account for XXXX XXXX the credit report is to supposed to say paid account and have a XXXX balance l.I do n't have a balance with XXXX XXXX I paid account off and the status supposed to reflect the changes
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MI)

I am on the list of potentially affected consumers under the Equifax Cybersecurity Incident 2017. Please know that I want Equifax to be held responsible if my credit or financial state is negatively affected by this case. 

Please also place an initial 90 day fraud alert on my file, at Equifax, XXXX, and XXXX. 

Thank you! 

P.S. Every member in our family came up on the potential list ... so when you contact me, I will want this procedure followed with all of our accounts.
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: EQUIFAX, INC. (TX)

My complaint is about the security breach from Equifax. Upon visiting their website to see if I was affected by their gross negligence, I read their terms of use. In their terms of use they require that I waive my right to be part of a class action lawsuit. Not only has their negligence created a 44 % chance that my personal information has been jeopardized, they seem to be bent on protecting themselves rather than protecting the 143 million Americans that their company has affected.
As reparation for the breach, Equifax has offered a year of free identity protection to all citizens of the US. After the year is up, the consumer will automatically be charged to continue the services. 

To add to this monumental act of negligence and the ensuing act of hostility to the consumer 's right to their own information and their knowledge of the safety of their information, there was a {$2.00} XXXX sale of corporate stock by high level executives shortly after the company learned of the data breach, but prior to the breach being publicly reported. This is trading on information not readily available to the public and therefore insider trading.
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: Santander Consumer USA Holdings Inc. (TX)

I am a recent victim of Hurricane XXXX, and this trade is negatively impacting me from getting the assistance that I need. My loan status is current as of this date and I need it to reflect that on my CRAs. I can not wait until the end of the month. This is a time sensitive matter. Also, the 60 day late marker needs to be removed. With my recent account maintenance, I am no longer reflecting alte for XXXX and XXXX. Please have this updated on all CRAs immediately. Thank you.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I made an agreement with XXXX XXXX XXXX on XX/XX/XXXX to pay a settlement of {$800.00} dollars on a debt of {$1900.00} to XXXX XXXX XXXX. After I make this payment the account would be settled in full. XXXX XXXX XXXX made a payment to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX stating my settlement obligation had been fulfilled - XXXX reference # : XXXX. They told me through account executive XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX : that they were not reporting it to the credit bureaus. It is still being reported to EQUIFAX as an open account. It is lowering my credit score with them because of it still being on their report. I would like this entry promptly removed from Equifax credit report and any other credit reporting companies. Thank you - XXXX XXXX