davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, 2017 I read news that a huge number of people 's social security data maintained by credit reporting agency equifax has been compromised. I visited the website - XXXX XXXX XXXX - provided by Equifax to check if my social security data was compromised as well and the tool informed me that I *may* be affected. This is very concerning to me & the company is not providing accurate information and is only offering free credit monitoring service as a consolation. 

The company should instead accurately, and with certainty, inform me if my data has been compromised and provide steps or take action to correct the misdoings.
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. (CA)

Equifax 's poor security concerning consumer data 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. This leak happened more than a month ago, and they still are not notifying potential victims. 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. I think it is ridiculous that they only offer 1 year of free protection, and that they make us accept terms that include an arbitration clause. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Consumers should not have to file a police report to receive a free credit freeze.
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. (IL)

This complaint is regarding the recent Equifax Security Breach that I was made aware of in news media on XXXX XXXX, 2017. My understanding of the situation is that " hackers '' compromised the Equifax systems, potentially exposing personal financial and other information ( including social security numbers, credit card information, and other personal details ) for a large number of people. I used the feature on the Equifax website ( https : //www.equifaxsecurity2017.com ) on this same day which informed me that " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am not satisfied with this outcome, as it provides no actionable information to inform me of my vulnerability or to protect my financial and identity information. I have also placed a fraud alert on my credit monitoring.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
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. (IN)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely upset 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 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

Due to Equifax 's gross mishandling of my personal information, a data breach between XX/XX/XXXX and XX/XX/XXXX 2017 has resulted in my name, Social Security number, address, driver 's license number, and credit card number being compromised. This mismanagement is unacceptable. It is now XX/XX/XXXX, and Equifax never notified me of this breach, despite their knowing about it months prior.
Consumer complaint received 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (OK)

I responded to a mailer from XXXX promising they would pay up to {$650.00} for a return of my cell phone business. The mailer did n't say that you had to purchase a new phone from XXXX, also it did n't say you had to purchase that phone, yearly, yipes i have a phone not a year old i ca n't work yet. so i did agree and signed an electronic agreement, BUT LESS THAN 2 HOURS LATER CHANGED MY MIND AND CALLED XXXX BACK, saying NO i do n't want this. the woman on the phone claimed that the new phone had already been mailed ( yeah right ) and all i had to do, once receiving the phone, was to return it to any XXXX store. well that was the 2nd lie because the first XXXX store i went to said NO i needed to take to a corporate store, so on to a XXXX corporate store i went, now XXXX miles from my starting point. i returned the box UNOPENED and got a receipt. the events are so : XXXX XXXX responded to the mailer, XXXX XXXX called XXXX to say i changed my mind, tried to cancel. XXXX XXXX phone delivered by XXXX, XXXX XXXX took phone to XXXX XXXX store @ XXXX XXXX XXXX, XXXX XXXX XXXX. MY RECEIPT READS MACHINE ID : XXXX, REGISTER # XXXX, served by XXXX ( initials ) also other # on receipt read XXXX, DATE : XXXX/XXXX/2016 XXXX. XXXX XXXX I received a e-mail saying i made a payment of {$39.00} ( i did not ) and that i owe {$130.00}. On XXXX XXXX XXXX disconnected my XXXX PHONE ( OR TOOK MY PHONE NUMBER FROM XXXX ) I was at work and was without a phone all that day having to go to XXXX to get my phone number back. XXXX XXXX i get a e-mail still from XXXX saying i owe {$100.00}. on XXXX XXXX i called back to the corporate store talked to 2 people last one saying HE would have to call XXXX and it would take some time to get this worked out and he would call me back ( HE NEVER DID ). on XXXX XXXX i get a e-mail saying i owe {$100.00}, on XXXX XXXX i get a e-mail saying i have a {$2.00} credit, on XXXX XXXX i now owe {$130.00}. XXXX, XXXX i receive a collection notice for {$130.00}. P L E E Z E can you stop the madness.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have always paid my mortgage online and in XXXX 2016, I inadvertently scheduled the payment on the incorrect day. When I realized the problem, I scheduled the correct payment date. 
The following month, I was unable to schedule an online payment, so I simply paid at the local Bank of America branch. I made my mortgage payments at a branch in XXXX and XXXX. 
I received a telephone call from Bank of America in XXXX, alerting me that I have not made the past two payments. I explained that I have the receipts for both payments and that I have the cancelled checks that they were paid by my bank. 
I was informed that I can only use certified payment through XXXX XXXX or XXXX XXXX. After attempting to make a payment through XXXX XXXX, I was unable to do so because the account information provided was invalid. I have no problem making my normal payments, but getting certified funds every month is logistically impossible due to my work schedule and taking care of my elderly parents, as my father has XXXX. 
I would like to return to making online payments.
Consumer complaint received 2017-04-30
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: WELLS FARGO & COMPANY (MN)

In  XXXX  I reported m y Wells Fargo cr edit card stolen. At that time the Representative said they would mark my card stolen and I would not be responsible for the charges.Fast forward to  XXXX   XXXX , I started looking in to buying a home and was told there  was a Wells Fargo account showing I still owed a large amount. I knew this to not be correct. I called Wells Fargo and was told my card was never listed as stolen and I was expected to pay.A week later I received a letter from the IRS that th ey would be taking my tax refunds. I wrote back to the IRS that my card had been stolen, they wrote stating I needed a police report and a statement of what happened with a copy of my driver license and social security card, this was sent to the IRS in  XXXX   XXXX . I also spoke t o Wells Fargo ag ain the Representative said they have not sent me a statement since  XXXX . That is when I finished paying my portion of the debt {$2600.00}. I have always changed my address and have had car loans wit h Wells Fargo. Wells Fargo sent  a letter back stating that since I paid they would hold me responsible for the remaining {$5200.00}. Even though I sent in my police report by fax in  XXXX   XXXX . I have not heard fro m the IRS and I did receive my tax return. I will be uploading the documents that were sent to the IRS and Wells Fargo.
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. (CA)

My complaint is against Equifax for improperly protecting my information during their recent breach. As a consumer I expect that my personal information should remain private and a company who monitors my information should be held responsible for failing to protect my private secure information ( SSN, Name, DOB, Address, Credit rating and current accounts ).
On X/X/17 I got confirmation from equifax website that my information was potentially compromised in their recent hack. 

This company was looking to avoid class action lawsuit by making me opt out of any litigation just to get assistance. This is unfortunate and I will not be opting for their credit protection service. If they ca n't protect my information now I do not trust them to do so in the future.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I reviewed my consumer reports and noticed I had XXXX late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts, so I have included screenshots inside this complaint for XXXX XXXX  in XXXX and XX/XX/2019. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (IL)

My mortgage loan was transferred Loancare about XXXX month ago. As result of the transfer my monthly payment went up by {$110.00} per month. Loancare made an error calculating my escrow deduction by double counting annual tax payments. I 've been trying to resolve this for XXXX month now. I 've called many times, escalated cases to both escrow and tax departments, was hung up on several times when asked for a supervisor. Finally got to a supervisor, and was promised a XXXX day resolution, that was XXXX days ago and still no result. Not sure what to do now, but definitely can not afford paying additional {$110.00} per month.
Consumer complaint received 2017-04-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

XXXX   XXXX ,    2016   XXXX  balance I have disputed this numerous times with the credit bureaus and their response it that the account belongs to me. That is not what I 'm denying because I paid it off. I have asked them to delete this off my credit report and they are refusing to do it. I would like this taken off my report because there 's no need for it to be there. I no longer has possession of the car. Have n't had possession of the car in over 4 years.
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

we are the XXXX ; on XXXX we ( XXXX ) found XXXX XXXX usages in XXXX, XXXX notified the bank of America branch office here in XXXX, XXXX. they removed XXXX. then there was {$60.00} with draw on same day after they canceled all cards. next, they move deposits after they subtract money from account. makes XXXX overdrawn. when you look again the transaction are gone.correct this and return all monies back.
Consumer complaint received 2015-08-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My complaint is about overdraft fees and service charges to my bank account in excess of {$130.00} accrued in less than XXXX month due to overspending the account by {$40.00}. 

I opened a checking and savings account with Citizens Bank after receiving an incentive in the mail - open an account, receive {$200.00} after making several deposits. I initially deposited {$200.00} into the new checking account, and {$25.00} into savings. I made several purchases in XXXX 2015 and was charged XXXX {$35.00} overdraft fees totaling {$70.00}. Beginning XXXX XXXX and going on for the following XXXX days ( I am still unclear how long exactly this will continue or how to make it stop ) I have been charged an additional {$6.00} " service charge '' for " sustained overdraft fee '' EVERY DAY plus {$2.00} for the statement delivery. When I called the bank they were not able to clearly explain to me when the 10 days starts or stops. They also said it was not possible to close the account or cancel the fees until the account had been paid in full. I only overspent my account my {$40.00}. I am happy to pay that back as that was an accidental overage, but to now owe this bank almost {$140.00} more because they did not clearly explain their overdraft practices when I opened the account seems wholly unfair and unreasonable. Please help!
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I currently have a debt which is n't in my name and it is now adversely affecting my  credit score.  According to  XXXX   XXXX   XXXX   XXXX  collection agency, a man by the name of  XXXX   XXXX  owes {$140.00}. My name is not  XXXX   XXXX . I am not responsible for this debt because it is not mine. I explained this to them. Since then, my  credit score  has dropped drastically by over a  XXXX  points. I am currently in process of obtaining a mortgage loan. This can and will adversely limit what types of loans I qualify for, as well as increase the down payment amount required which puts a great deal of stress into the experience. I was told by this collection agency that in order to dispute this bill which is not in my name, I had to go through the individual credit bureaus. I have made multiple attempts to contact all three credit bureaus now and am getting no human interaction ; the system is generally automated. Please help me expedite this process so that I  may  have a fair and equal opportunity to purchase my first home, you 're my only hope ...
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

XX/XX/XXXX Re : XXXX Experian Credit Report I, XXXX had experienced, yesterday ( XX/XX/XXXX ) in an attempt to retrieve my Experian credit report, two questions suggested that I had taken a mortgage loans from one of the four banking institutions and the other question suggest I had taken a car loan for which, I had answered both of those questions as none of these above then I was denied access to my online dispute service provider for answering one or both question ( s ) wrong. I had not taken any financial mortgage, credit cards and [ or ] car loans in the past or present since, my last credit report number XXXX dated XX/XX/XXXX. I had frozen my credit report information therefore, any person should have not been approval for any mortgage, car, or credit card loans against my credit report accounts for which, I have no credit history. 

I would gratefully appreciate your investigation into that matter and please provide me with a free credit report. 









XXXX
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX, while on unemployment, I reached out to Keep Your Home California for assistance with making my house payments. At that time I was told that Wells Fargo was participating in the program and that I would need to get specific paperwork from them. When I called W/F requesting the paperwork, I was connected with a home preservation specialist. This person informed me that Wells Fargo had an assistance program under the federal government 's Home Affordable Unemployment Program that he could put me right into, no wait time or paperwork, I only needed to fax a copy of my unemployment insurance award letter and my monthly payment would be reduced for 12 months. As soon as the XXXX payment was made, I received a demand letter from Wells Fargo for nearly {$40000.00}. That is when they put my into their loan modification program of which I have never been able to qualify for. I either did n't make enough money, or I am making too much. The value of my house was n't high enough or it might be to high. Negative Net Present Value is usually the deciding reason they give for not giving me a modification. I even offered {$50000.00} to pay down the arrearages. I believe that this original home preservation specialist was in an incentive/bonus plan for steering me into the Wells Fargo unemployment program that left me owing them, and them denying all modifications, whereas the KYHC program was a helping hand through the federal bailout plan. When I directly requested the notes on my file during this period, I was denied in writing. They said I needed a subpoena or court order to obtain the information on my file. I was informed yesterday when I called Wells Fargo that I was in foreclosure, with a sale date of XX/XX/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)

On XX/XX/2017 I was informed of an equifax security breach. It was stated that " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XXXX through XXXX of this year. '' After following the steps to find out if I was one of those affected, I set about trying to prevent the theft of my identity. Without my given consent, Equifax allowed my information to be taken and made public.
Consumer complaint received 2017-04-30
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: EQUIFAX, INC. (TN)

XXXX XXXX offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither XXXX XXXX nor the 3 credit bureaus ( XXXX, Equifax, and XXXX ) will honor removing the inquiries even though I was solicited by XXXX XXXX. The FACTS states inquiries can only be pulled under certain conditions and " firm '' offers are one of those conditions. Here is a reference to the code under ( c ) ( 1 ) ( B ) ( I ) : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing.
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. (CA)

Equifax negligently allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. Their failure to secure my data has compromised my entire credit history. I have not yet been the victim of identity theft, but I am certainly at a huge risk. I checked their website to see if I was at risk for being impacted, and it said this : " Based on the information provided, we believe that your personal information may have been impacted by this event ''