davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
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)

On XXXX XXXX, XXXX, the credit reporting agency Equifax announced that it had experienced a major security breach that led to the compromise of nearly XXXX XXXX XXXX consumers very sensitive personal information. The breach according to Equifax went on unnoticed from mid-May XXXX through XXXX XXXX. The information included consumer 's names, birth dates, social security numbers, and more. This information is all that a person who wishes to commit identity fraud would need to succeed. This loss of information, and furthermore the mere fact that this breach occurred, is unacceptable. 

As if a breach was n't bad enough, Equifax 's attempt to assuage all of its customers, which is every single XXXX, was lack luster. The website that they set up to check to see if a person was affected, https : XXXX, seemingly does not return a meaningful result ( https : XXXX ). This is extremely concerning, given that when I personally used this website, it claimed that I was affected. If I can not trust the result of this website to determine if I have been affected or not, what is my alternative? Equifax has failed to provide any clarification on this, so I remain unsure if I have been affected or not. In addition, it has been demonstrated that the website was erected in such a short time, that it was poorly secured itself XXXX https : XXXX ). This website asks for XXXX digits of your social security number to verify impact, which if the website being used to check impact is insecure itself, the risk of other people losing their financial security becomes almost guaranteed. 

I can not help but feel totally helpless in this situation, where my financial security, and many other XXXX consumers financial security, is unknown. 

Other references : https : XXXX https : XXXX? outputType=default-article & deferJs=true
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Clark County Collection Service (IL)

After the XXXX breach, I check my reports daily until the alerts are placed on them. I noticed a new derogatory collection account. The name is Clark County XXXX XXXX XXXX. First of all, this debt was originally with XXXX XXXX XXXX of which an agreement was reached after I filed a complaint regarding their collection actions. I informed XXXX XXXX XXXX that I had a medical emergency in my family where my sister was comatose for 8 days and hospitalized for 53 days. XXXX did n't cover most of the medications, devices, special equipment, etc., that would keep her alive and give a better quality of life. My family and I had to come out-of-pocket for those expenses which cost us thousands of dollars. I called XXXX XXXX XXXX and asked them could they forgive the debt due to this critical situation. XXXX XXXX XXXX no longer contacted me after midXXXX. I looked at my credit report in mid-XXXX, and saw the balance owed at {$0.00}. I assumed XXXX XXXX XXXX forgave the debt as I had asked due to my dire situation. When I looked at my credit report today, I see this collection account from Clark County Collection, located at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX. I 've never heard of nor received any type of correspondence from this company. Just the negative information on my credit report. I tried to phone Clark County of which the phone just rings endlessly and no one ever answers the calls. I 'm trying to purchase a home and need this negative information removed immediately. Your prompt attention regarding this matter would be greatly appreciated.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Title loan/personal loan ( not sure at this point ) .. Paid off, called local office no balance, company changed names/mgmt from XXXX XXXX to XXXX XXXX.. You cam and can tget anyone to answer their phones and forced to leave message on random general voicemail. Now all of a sudden it sen to collections by XXXX to Colection agency called XXXX XXXX XXXX
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response.
Consumer complaint received 2017-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.
Consumer complaint received 2017-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OH)

I have a car loan with Ally Financial. We fell behind in our payments because my husband has been out of work for medical reasons. On XX/XX/XXXX I made a payment of {$350.00} via XXXX XXXX. On or about XX/XX/XXXX I went onto Ally 's website to make another payment. I selected the option for other amount and made a payment of {$350.00}. On XX/XX/XXXX I noticed my checking account was grossly overdrawn. I checked my account and discovered that Ally had attempted to withdraw {$1100.00} from my account. I immediately contacted Ally and the representative told me that Ally was attempting to bring my account current?? I told the representative that they could n't just pick any amount they wanted and attempt to withdraw that from my checking account, that was fraud. I then spoke to another representative who said I had authorized that amount. NO I DID NOT, I did n't have the funds necessary to cover that amount so why would I submit a payment for that amount? I asked to speak to someone at a higher level than the individual I was speaking to and was told there was no one. I asked to speak to someone at a corporate level, or a problem resolution team, and was told there was no one. I went on XXXX  and searched Ally and found a XXXX page and made a comment about what was happening. I received a call and was told that a representative from the corporate resolution team would call me by Monday ( today is Thursday, no call ). My bank returned the payment for insufficient funds. On XX/XX/XXXXI informed Ally that I was MAILING a payment in the amount of {$350.00} and instructed them to make no attempt to withdraw any money from my account. The representative stated that she noted my payment and that there would be no further attempts to withdraw any more funds. On XX/XX/XXXX I went to my bank to make a deposit and discovered my account was once again grossly over drawn. The teller informed me that Ally had AGAIN attempted to withdraw {$1100.00} from my account. My bank is returning the payment again for insufficient funds and I once again posted a comment on Ally XXXX page. I do n't know if I need to close my account to prevent Ally from repeatedly and fraudulently attempting to withdraw money from my account.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. I am writing to demand that credit freezes and unfreezes be made free for individuals on which these credit companies store information. These companies already collect and sell our data, in an industry where their services are required. I ( nor any other consumer ) should be required to pay these companies to protect my information when, through their own errors, they lose the information they have been collecting without my consent anyway.
Consumer complaint received 2017-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.
Consumer complaint received 2017-09-14
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: DISCOVER BANK (NJ)

My dispute is with Discover Card. XXXX XXXX XXXX charged me {$7200.00} to handle an IRS issue. I had to sign a form to authorize them to charge my card so they can start working on my matter. {$4000.00} was charged to Discover. XXXX never resolved the problem and left me hanging with the IRS. I had urgent letter from the IRS faxed to XXXX and the case manager never acknowledged two emails, four phone calls so I had to hire another tax attorney for another {$1000.00} to try and resolve the matter. Discover told me to mail my documentation and I did so and they sent me the contract that I authorized XXXX to charge my card that is fine if they did the job they contracted to do. There is a clause that all urgent letters be sent to XXXX immediately and the client ( me ) must respond promptly to their calls. I guess it does not work the other way they never got back to me until the BBB contacted them. Then their quality assurance person told me we can partially refund you if I drop all complaints against them and take down bad reviews. That is " Blackmail '' Discover is not working on my behalf they accepted the non fact that they provided the service which not the truth why would pay another {$1000.00} to tax attorney to take over the handling. I wrote to the CEO of Discover and waiting on response. This is " no brainer '' XXXX did not do what they advertise to do and told me what they would do. I been ripped off.
Consumer complaint received 2017-09-14
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: Experian Information Solutions Inc. (MS)

EXPERIAN AND XXXX  IS REPORTING AUTHORIZED INQUIRES ON MY CREDIT REPORT.
 THE COMPANIES FROM EXPERIAN ARE: 
XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX, UT XXXX
(XXXX) XXXX
XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX XXXX XXXX XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX 
XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
(XXXX) XXXX XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX (XXXX) XXXX   THE COMPANIES FROM XXXX  ARE:

XXXX
Inquiry from XX/XX/XXXX
+
XXXX XXXX Inquiry from XX/XX/XXXX
+
XXXX XXXX Info
Inquiry from XX/XX/XXXX
+
Misc.
XXXX
Inquiry from XX/XX/XXXX
+
Bank XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
Consumer complaint received 2017-09-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (CO)

On XXXX XXXX, 2017 the loan was paid in full never having had a late payment. I received notice that the loan was paid in full with an over payment of {$320.00}. A refund check would be sent within 30 days. I have tried to call and see where the refund for the over payment was and have been told by several Santander employees that the refund was sent by XXXX. I do not know what XXXX has to do with it, but my agreement is with Santander. The refund has never been received.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

This is an account being reported by XXXX which has not been validated nor authorized by me has been proventing me from obtaining credit and/or Loans, as per FDCPA and FCRA acts, this is a violations of those terms and must be removed.
Consumer complaint received 2017-09-14
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)

XXXX - XXXX XXXX : - Displayed extraordinary negligence in developing a database system secure enough to protect the information of their customers, resulting in the release of my personal information to outside parties without my knowledge or approval. 
- Failed to inform me that my information had been released until over a month after the incident had been discovered. 
- Insists on charging me {$10.00} to freeze my credit with them, and expects me to cover the cost of freezing my credit with other major credit reporting companies, despite the fact that they are the direct cause. 
- Attempted to trick me into forfeiture of my rights to pursue legal action in order to receive any compensation for this incident. 
- Negatively impacted the prospects of my personal investments by allowing executives at their company to participate in insider trading - selling thousands of shares of Equifax only three days after the internal discovery of the security breach, but over a month before the information went public.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ORG GC GP BUYER, LLC (IL)

On Wednesday, XXXX XXXX between XXXX and XXXX, my employer was contacted by a man named XXXX with a collection company. He asked my employer to know personal information about myself. The phone number was XXXX ext. XXXX
Consumer complaint received 2018-08-06
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. (GA)

XXXX XXXX  was included in my chapter XXXX bankruptcy and subsequently discharged. Experian has this item incorrectly listed on my file. I disputed it with them asking them to update the item as " included in bankruptcy '' and change the status to " unrated '' as provided in industry standards and federal law. 

XXXX XXXX. Account number listed XXXX I have a attached a copy of XXXX XXXX from my bankruptcy showing this XXXX account.
Consumer complaint received 2017-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NJ)

XXXX XXXX Phone XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX. They are reporting a Citibank N.A. debt that was originated in XX/XX/XXXX from my XXXX husband that I never knew anything about. I never signed for this loan and I knew nothing about it. They are harassing me to make a payment but Citibank sent me a letter stating they dismissed the debt and I filled a dispute through XXXX and provided them with a letter from Citi stating that the loan was fraud and asking them to remove it from my credit but XXXX has refused to move it. On XX/XX/XXXX Citibank sent me a notice of account closure of this fraudulent account partial account number XXXX but XXXX XXXX still trying to collect on it. on XX/XX/XXXX I called XXXX XXXX, but they are still insisting I pay them.
Consumer complaint received 2017-09-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

88 points were deducted from my credit score once again by XXXX and Equifax in regards to my Federal school Loans. Each account drescribed my Point deduction to be because of a minimum Balance increase on 4 of my XXXX accounts I have received no notification of such action.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On or about XX/XX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX  XXXX XXXX never late XXXX  XXXX XXXX never late XXXX & CO XXXX never late XXXX   XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX   XXXX never late XXXX XXXX never late XXXX   XXXX never late XXXX XXXX XXXX never late XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I am one of the 143M Americans whose credit information was compromised by the recent XXXX data breach. I have worked many hours to try to understand and respond to the situation, and I am still not out of the woods. It appears the most complete level of protection for my information is a security freeze, which will cost {$10.00} in my state, Texas. Though I may get it free from XXXX, who has announced no-charge freezes and thaws for a few weeks, for those whose information has been accessed. ( I do n't know yet if this applies to me, whose information " may have been '' exposed in this breach, as expressed in their web tool in which I entered the last 6 digits of my SSN- how come they ca n't just say yes or no?? ). I would strongly suggest that ALL credit reporting agencies offer free freezes and thaws upon request from any customer ( with appropriate ID verification ). Forever. And that they notify us any time that anyone has requested our information. These agencies are making money on OUR information, and I do n't recall giving them the OK to share that. If that 's what they do, they should be totally accountable for the safety and privacy of that information. 
At this time I do not think anyone has committed any fraud against me, but the danger is clear. I believe any credit reporting agency, business operation or bank which uses people 's SSN 's and financial information must be held totally responsibly for any losses the person sustains.
Consumer complaint received 2017-09-14
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)

All of this happened on XX/XX/XXXX - XX/XX/XXXX ... I heard about the major equifax hack so went to www.equifaxsecurity2017.com to see if my information was hacked. I was told my information was jeopardized and they recommended i sign up for their credit monitoring " XXXX ''. I found out afterwards that after a year you have to pay for the credit monitoring and that by signing up you agree to an arbitration clause possibly losing your right to sue Equifax. Both of which were no clear and hidden away in the fine print. Lastly there are also reports that when u sign up to see if you are effected the response you get is automated and may not be accurate. In short Equifax gets hacked, they possibly lie to you whether or not you were effected and then tell you to sign up for a paid service and then also make you wave your right to sue them. Ridicules..
Consumer complaint received 2017-09-13
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. (LA)

According to Equifax, I was one of millions of consumers affected by the recent data security breach. My social security number ( in addition to other sensitive information ) was accessed by an unauthorized third party due to the insufficient security measures in place over their electronic systems. I am now at much greater risk for identify theft. I 've placed a fraud alert with the credit bureaus. Equifax has offered free credit protection for a year, but only if I waive rights to participate in any class-action lawsuit. 

Regardless, now that my information has been leaked, I will always be at greater risk for identity theft. I can only take measures to mitigate this already growing risk of identity theft at my own personal cost.
Consumer complaint received 2024-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.