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. (FL)

Read an online news article published XXXX/XXXX/XXXX about Equifax 's security breach that occurred XXXX/XXXX/XXXX and was not disclosed by them until now. I immediately logged on to their website and checked if my identity was compromised, I was informed by them on their website that my data was indeed affected/breached/stolen. I did not receive from Equifax, an email, a text message, a letter of explanation, nor a phone call informing me of their lack of securing my data.
Consumer complaint received 2024-08-10
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: Experian Information Solutions Inc. (OK)

I have called experian to correct the inaccurate information on my credit report and I was told it would be corrected. Everytime I've called identity verification is completed before I can proceed so this can not be an identity problem. There are addresses and names I dispute on my report
Consumer complaint received 2024-08-10
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. (LA)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous
accounts and rectify the situation, XXXX has failed to

adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
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. (MI)

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. (NY)

I am included in the list of potential victims of the 2017 Equifax cybersecurity incident, which means intruders may have accessed my name, Social Security number, birth date, address, driver 's license numbers, and credit card numbers. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XXXX 2017 through XXXX 2017.
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. (AK)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-09-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Westlake Services, LLC (CA)

XXXX XXXX2017 {$630.00} I called to see why this was being reported on my credit report after I was a Voluntary repo. And it was sold and I now have to pay the difference from the sale. This was written off / charged off. I start getting threatening calls that they were going to take my to jail if I do n't pay the balance from the sale.
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 mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CA)

My Debit card was lost or stolen. 
I am notifying you, under the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or stolen XXXX XXXX and unauthorized transaction. See especially 12 C.F.R. 205.6, 205.11. I request that you refund any unauthorized transactions involving this card, including but not limited to the following : Transaction amounting to {$260.00}, XXXX  : XXXX Transaction amounting to {$590.00}, XXXX  : XXXX. 
PNC bank 's response was unclear, and I do not know what they are doing. Their representatives are extremely incompetent, and I am shocked to my core. I still havent received the new debit card even though the representative told me it would arrive in XXXX business days. 
I am moving all of my funds out of PNC and closing all of my accounts with them because I am extremely dissatisfied and devastated. But I hope my story helps other people avoid this incompetent bank. 
Please have PNC bank restore funds for the unauthorized transactions and send me a proper final confirmation of their action. 

Sincerely, 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. (CA)

Equifax mishandled my personal information, including my name, Social Security #, address, birthdate, etc., resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2024-08-10
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. (TX)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
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. (NY)

Equifax suffered a breach of data which included a wide ranging scope of extreme PII data, including my and my partner 's SSN and DMV License Number. 

We are now going to have to militantly spend the next several years watching our credit reports to ensure that this data is not used inappropriately. 

Equifax should consider protection of this data as their primary objective, as their role in credit reporting requires them to have an ability to accurately and fairly provide credit data about those people who, whether they want to or not, must use this service to be able to access financial products.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

I have one name and that is the only one that should be on my credit file and that is XXXX XXXX. Also I have only one address and that is the only one needed on my credit file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Also I have only one phone number and that should be the only one on my credit report XXXX. I have only one e mail address and that is the only one I want to see on my credit file and that is XXXX. other than that my birthday is XXXX. And any other information other than what I have agreed upon being mine should be removed immediately and any information containing addresses and phone numbers and other names should also be removed if it is listed with any other names addresses phone numbers or emails other than what I'm giving you rite here and now then it is listed with false information and there for incorrect so it should be immediately removed from my credit report unless it is 100 percent accurate with only accurate information.
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 reported a hack during which my personal and confidential information was listed as being in danger. This could lead to nefarious activities being carried out using my identity and is unacceptable.
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 XXXX XXXX, XXXX Equifax learned of a large scale breach into mine and other consumer 's information through a database breach. This information pointed to the fact that Equifax had leaked much of mine and other American consumers personal data, including social security numbers, date of birth, and even credit card numbers and other personal information. 

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. 

Immediately following my discovery of the breach ( XXXX XXXX, XXXX ) I placed a 90 day fraud alert on my account through Equifax. This is already two months after the breach occurred, however, which leaves plenty of time for a hacker to have used my information to open credit cards in my name.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Had identity theft, along with proof of ID theft and proper filed government filings no charge offs were removed from all 3 credit bureau. Experian XXXX and XXXX!!! There are 3 chare-off accounts that were considered fraud, 2 XXXX credit card accounts and 1 XXXX  XXXX account. Those 3 accounts were charged off. My identity theft reports were not recognized and honored by these credit bureaus
Consumer complaint received 2017-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (HI)

I understand that cfpb is suing Navient/XXXX and I would like to be a participant in that lawsuit. My student loans from XXXX XXXX XXXX XXXX XXXX originated at {$70000.00} for a degree in XXXX from a for profit college. They are now currently over {$140000.00}. I am in over my head in debt and have been from day XXXX. Not only was it unethical to lend that kind of money to a young person in their XXXX 's, for a degree with a known history of underemployment/low wages. Then to balloon the loans constantly with fees, surprise fees, and more fees. No counseling. Not knowing what is in my best interest. I 'm told by Navient there is no settling on the loans. The loans were serviced by XXXX XXXX and now by Navient. I 'm now XXXX with health problems that interfere with my ability to work. I have received XXXX in the past few years. I need help. I feel the lender/services are unethical in their practices. I 'm tired of all the exorbitant fees that have ballooned this loan. Navient is quick to offer forebearance while I 'm out on XXXX, then charge me fees after telling me my payments were XXXX. They have offered me no counseling, no understanding, and no options to get relief from debt they happily continue to balloon. It 's unethical.
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. (MI)

Equifax mishandled my personal information, allowing it to be used freely by criminals. Instead of spending money to properly secure the data, they elected to shift more money to profit. 

Not only did they mishandle the information, they failed to notify me. Instead I found out from a third party through social media. 

Not only did they mishandle the information and fail to notify me, they tried making more money off of me. Trying to get me to pay for their credit monitoring services. This seems like some sort of mafia protection racket.
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. (CO)

ON XXXX/XXXX/XXXX I learned about a cyber-attack on Equifax. According to Equifax, I may be affected by this hack, meaning that I may become a victim of identity theft due to Equifax inability to secure my personal information. They offered to provide a identity monitor service, but at the cost of giving away my right to participate in a class action lawsuit.
Consumer complaint received 2024-08-10
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. (MI)

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. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2017-09-08
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 found out today, XX/XX/XXXX, that Equifax may have leaked my social security number onto the internet. I used Equifax 's free tool to see if my social security number may have been affected, and their tool indicated that it may have been affected. I placed a Fraud Alert with all three of the agencies moments ago onXX/XX/XXXX. I attempted to retrieve a free copy of my annual credit report from all three companies today, but was unable to do so. As such, I am mailing in a manual request form to the three agencies to get a copy of my credit report from each of them. This manual request is being mailed on XX/XX/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. (KS)

Equifax failed to enforce proper security to ensure that my personal and financial information are protected from theft, and thereby divulged my information without my consent. This was reported to me on XXXX/XXXX/XXXX by local news media. I have not taken any action against Equifax. 

In addition, I would report that I completed a credit dispute on XXXX/XXXX/XXXX. Equifax failed to properly follow up on the dispute, and the erroneous claim on my credit has not been investigated or removed.
Consumer complaint received 2024-08-10
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. (CT)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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.