davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-10
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: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I went online to pay XXXX XXXX XXXX XXXX XXXX, XXXX. It was not clear to me that the payment made was for future service from XX/XX/XXXX to XX/XX/2017. I used a Chase Visa Debit card to pay {$100.00}. We have cancelled our service from XXXX XXXX, since we have sold our house and are moving out of state. This payment is for a time period that the new owner is responsible for. In contacting Chase Bank, I was told that they can not reverse the charge and that I need to seek restitution from the vendor, directly. This is not time effective. 

Also, I have cancelled my XXXX XXXX service at the old house and I have implicitly told XXXX XXXX that I DO NOT authorize them to take a " cancellation fee '' from my debit card or any credit card or directly from my bank account, as I am using an XXXX XXXX XXXX service at our new house. They are owned by the same company. In addition, we have documented evidence that the XXXX XXXX service and satellite interfered with the signal for our XXXX XXXX for our dogs, causing our dogs to be in danger of running away or getting hit by a car. 

Chase bank has been awful to deal with and has been so grossly unhelpful in resolving these situations.
Consumer complaint received 2017-09-10
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I would like to re-new my complaint against Portfolio Recovery Associates because they continue to contact me after I have asked them to stop because they were not able to validate any debt they had against me. all they have done is pester me all night with voicemails and phone calls, sometimes even very late at night. They claim I owe them {$450.00} and must be paid immediately, they are threatening me with more and more interest everyday and I have told them to removed this account from my credit reports because I do not owe anything two them. After my card was closed I entered into a payment plan and whatever they are doing is illegal because at this point i am paying double for the same debt and this makes no sense. I get calls from family embers who I do not live with and they claim that these companies are calling them and asking for me regarding a collection and its so embarrassing! I have not had a card with XXXX XXXX for over 10 years, where is this coming form now?
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (CO)

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. 
I have already experienced fraud charges resulting from the Equifax data breach. 
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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-10-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AR)

On XX/XX/XXXX I sent in a completed School Misconduct Application along with several supporting documents. Navient has yet to give me a final decision on the matter and it's been well over 30 days since. The administrative forbearance that was placed on my account is close to expiring and I'm still being told they are " reviewing my case ''. Meanwhile my credit score is tanking while Navient is taking their time.
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. (WA)

Equifax collected personal and critical information on me and my family, and handled it carelessly. This information is now in the hands of criminals who can use it to inflict high monetary and psychological damages on us. Remedial actions are only partial, take time and money.
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (MI)

Files several complaints with this company Fidelity National Title sad they dont wan na admit there own error that I had to fix out of my own pocket as of today XXXX XXXX XXXX I have not received any payment form the company for reembusrment and athey will not work with me. I will be working with you the CFPB and going through Court and Corporate to get the rest of my money. The bill will just keep getting higher becasue they will be paying my leagal fees and I will have to supena the supervisors at XXXX XXXX and other companys to fly in and testify that they all agree that Fidelitey Title dropped the ball. I already subbmitted the emails from them stateing it was there error. They are surely not makeing a good representation for themselve very p [ oor work ethic and basically stealing money and lying to the costomers.
Consumer complaint received 2020-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
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. (HI)

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. 
Equifax had profits of over {$130.00} million dollars last  year. The lack of security and the time-frame that they used to alert me is unacceptable. They are offering me a year of credit monitoring, however, I have to go through their hoops. When my data is breached like this, they should come to me with a solution, not the other way around. This organization should have no business monitoring my credit.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Partners Financial Services Inc (TX)

This is regarding your response to complaint XXXX. Partners Financial stated that the file was closed and returned to the original creditor in XXXXXXXX and this was communicated to XXXX in XX/XX/XXXX. They stated that would follow up with XXXX and request removal of the tradeline as it should have been deleted in XXXX. Partners Fin submitted this response to me XXXX  and it is now XXXX, and this account is still reporting on my credit report. Once again, please remove this account from my credit report PARTNERS FIN XXXX
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. (MI)

Hello, Equifax recently leaked a massive amount of information and my information is compromised according to their website. This means they have given other people unauthorized access to my full name, Social Security number, birth date, addresses, and, possible, driver license number. This is a significant misuse of my information and could lead to easy identify theft. 

Their resolution of a single year of credit monitoring service is hardly adequate, and we should be given a lifetime worth of it, along with free credit freezes and anything other services that I and others can use to protect ourselves from this massive XXXX up. 

Thank you XXXX
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. (KY)

After becoming aware of the security breach at Equifax, I checked their website to see if I had been potential affected by the breach. The website stated that it had in fact potentially been affected, but unbeknownst to me, in acquiring this information I had also waived might right to pursue any legal action against them ( this message was not displayed anywhere viewable on the page, but was apparently in the fine print ). Immediately after learning that I had been possibly affected, I attempted to place a freeze on my credit through Equifax online ( this was XX/XX/XXXX ). The website denied the request, stating I would have to send in physical copies of my SSN and other sensitive personal information to complete the request. However, my bank account was immediately charged the {$10.00} fee for a freeze request, despite it not going through. I attempted to reach out to Equifax via phone, email, live chat, and even XXXX with no response. Later on XX/XX/XXXX I called their automated freeze request line and was told that the freeze had been successfully and provided a PIN. My bank account was then charged AGAIN for the freeze request, another {$10.00}. With no way of getting in touch with someone at Equifax, I feel helpless. I was able to speak with one man at the dedicated Equifax Hack information line, but he had no idea what I was even talking about and continued to repeat that " they were working diligently to get the website working. '' I had to hang up after getting nothing else out of him. I 'm terrified that after this massive security breach, even freezing my credit scores wo n't be enough to protect myself, and being charged double by Equifax, who is actually at fault for this, is just adding insult to injury. I do n't know what else to do. Please help.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

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. 

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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-23
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: Garcadia Financial LLC (MO)

Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (WA)

Hello, according to https : //www.equifaxsecurity2017.com, I believe I am a victim of the XX/XX/XXXX Equifax data breach ( announced XX/XX/XXXX ). I have never personally signed up for their services ( i.e. getting a credit report ) but I have had credit reports done because I have applied for student loans, apartments, and credit cards so likely one of those used Equifax to check my credit. On XX/XX/XXXX, I checked the equifaxsecurity2017 website to see if I was impacted and it said I was potentially impacted ; however, I have not signed up for their free credit report service offered. 

So far, on XX/XX/XXXX, I have put an initial 90 day fraud alert via XXXX and checked my credit report via XXXX via XXXX. I will be putting a security freeze on my accounts, including via Equifax, either later today or tomorrow. 

Equifax has mishandled my information, and many others, which had put millions of people at risk. This is especially aggravating since I have never personally used any of their services and did not choose to do business with them. So far, I am extremely disappointed about the ways they 've handled the data breach ( taking one month to report, the arbitration clause on their equifaxsecurity2017 website etc. ) and only discovered the news because my professor talked about it in class on XX/XX/XXXX. Equifax did not notify me that my data was breached and did not inform me how to remedy the situation, other than that I was potentially affected and could sign up for their service.
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. (CA)

Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my Experian credit report. Per the advice of a Experian rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (MD)

I, XXXX XXXX XXXX is submitting this complaint form because I realize my contract has been violated by the dealership and the financial company, XXXX XXXX XXXX and Westlake financial services. I submitted my paperwork to Westlake financial services with the laws in which were violated and I attached a copy of it along with this complaint. XXXX XXXX was the car dealer who did the paperwork with Westlake financial services and he was recently arrested in Florida for taking out duplicate loans in the buyers name.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2017-12-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a service connected, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the XXXX XXXX XXXX has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.
Consumer complaint received 2017-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX I had made a purchase for insurance to XXXX for insurance I found that XXXX was to expensive so I went with another insurance company, I only had insurance with XXXX for not even one day I ask for my money back I did not get it I was having a problem with XXXX I filed a claim with Wells Fargo to get my money back, this is where everything went bad I got a provisional credit Wells Fargo only credited my account one time but yet took out several times I called about this problem one of there reps in a department put the money on my account when I did n't even know she did this and messed my account up so I called they got a case manager to investigate it and three days later she called me at XXXX at night and gave me a resolution to get this done, now I 'm being charged it again and this is looking like fraud and I 'm giving Wells Fargo a chance I had to file a police report in the past on fraud and identity theft, they opened a checking and savings account in my name I did get to settle on the two accounts being opened but not them making an attempt to open accredit card back in XX/XX/XXXX I want this straightened out all of it, I 'm tired of calling I have been trying to resolve this for a week and I did send a mediation form to get the credit issue handled the first rep did not resolve that issue, this has made me very frustrated, if not straightened out I will seek counsel, I do not want to keep dealing with this I 'm now filing this complaint because I spent four hours on the phone with Wells Fargo it 's like do n't care, they still owe for trying to open a credit card in my name this has gone to far please resolve this
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. (TX)

Equifax mishandled extremely sensitive identity information. When a data breach occurred affecting me, I found out via the news. Equifax made no attempt to call, text, or email me with this very important and time-sensitive information ( despite clearly having the necessary information to do so ). 

When attempting to use the company 's offer of credit fraud monitoring service, the terms-of-service require opt-out of legal rights to join a class-action suit. Since joining a class is a very reasonable and likely remedy for me to recover damages from Equifax 's actions, this clause negates any value offered via Equifax 's proposed remedy. XXXX