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)

Regarding the recent Equifax data breach. 

This company allowed enough data to be stolen to steal the identity of most, if not all, working Americans, myself included. I had no choice but to give them my information in order to use a bank, or a credit card, or take out a loan, and live a normal life. Now, because they could n't bother to protect our extremely important data, and worse, failed to alert us in a timely fashion ( they knew about this for at least a month ). My identity could already be compromised and I did n't even know. 

And it gets worse. Equifax tried to XXXX us yet again by saying that by even checking if you were affected would remove your ability to sue. Though that has been removed there is still a ton of confusion about it and it 's pretty obvious they could n't care less about this. They then push their worthless credit monitoring for a fee ( it should be free at the very least for those affected, not that it 's worth having ), which still has the language in their agreement about giving up your right to sue. 

Even worse than that, if you can believe it, it that their PIN generated to freeze your account is simply the timestamp of the freeze. That 's totally secure, no way anyone could figure that out. And it 's still worse ; the information needed to unfreeze your account is the information that was leaked, so freezing the account is n't any protection, it 's just one more step someone needs to do to steal our identities. Literally totally worthless. Who thinks of this stuff? This is n't just laziness, this is intentional malice to XXXX us. It 's just too ridiculous to think anyone is THAT incompetent. 

This is so far beyond acceptable. This scummy company needs to be held accountable for their abuse of their power over Americans, and is merely the last thing in a long line of unacceptable behavior by these financial institutions. We need some seriously heavy federal regulations to keep them in check, if not absorb them into the government. The people in charge need to be investigated, especially with the information of the stock sales around the same time, as there is likely illegal actions there. 

Hopefully you can help protect our rights and provide some real assistance to those whose lives might be destroyed by this horrendous lack of judgement.
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. (NJ)

Equifax mishandled my personal information including my name, social security number, address, birthdate, driver 's license number, credit card numbers, and potentially more. A data breach occurred in XX/XX/XXXX but they did not notify me of the breach, instead directing me to another credit monitoring product at www.equifaxsecurity2017.com containing egregious terms of service language. The complimentary product they offer is only available for a year, which does not cover the period of time necessary to protect my social security number from fraud resulting from the breach. Equifax ultimately did not have the necessary security protocols in place to handle highly sensitive personal information of 143 million Americans, and they 're actions afterward are not in good faith.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Unfortunately in XXXX until XXXX of 2023 on XXXX, XXXX & XXXX I was 30, 60 and 90 days late. I took advantage of our relationship & failed to submit my monthly payments on time. It was an exceptionally busy time in my life as I was dealing with my mother death from XXXX which I had to move back to my home state while trying to balance being a single parent of a XXXX & XXXX year old, while taking night classes to fulfill one of my long standing career goals of gaining my college degree. Now that Ive found a prosperous balance in my life, I honestly can not associate with the person that let this payment obligation go unattended. I fully respect my obligations with Capital One Bank & have worked diligently to amend my relationship with you by regaining your trust. A brief look at my account will reveal I have successfully paid off my account since my unfortunate circumstances. 


Ive recently begun searching for a new financially rewarding career in business, & it has come to my attention that because of my late payments with Capital One Bank, Im being rejected careers in my field. As you may know, FICO scores are being used more & more in the selection of prospective job applicants. 


In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by removing the LATE PAYMENTS that are reporting with XXXX, XXXX, & XXXX. I sincerely hope that Capital One Bank believes in their customers & I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time & look forward to receiving a favorable decision from your department soon. 




Late Payments : XX/XX/2023- 30 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late XX/XX/2023- 90 days late XX/XX/2023- 90 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late
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. (AZ)

Between XXXX XXXX and XXXX XXXX, Equifax was hacked and a large number of accounts were released to those hackers. After using Equifax 's website to see if I was affected, the Equifax website declared that I most likely was included in the hack. I 'm posting a complaint against Equifax for this hack and the delay in which they alerted people.
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 did not secure their servers well enough to stop me from being a possible victim of identity theft. I will have to spend the rest of my life meticulously checking my credit reports every week because my SSN and personal information I can not change are on the internet due to their negligence.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I was doing a loan modification with XXXX Bank. It started in XX/XX/XXXX and ended XX/XX/XXXX. On the final modification papers, it was stated by XXXX that the late payments would be removed from my credit after 1 year of making payments on time. 
When I called XXXX after a year, they said no the late payments stay on for 7 years. 
Is there anything I can do about this?
Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America is holding an XXXX paycheck for more than 10 days simply for processing. There is no question of the validity of the check, its source or any account disputes that need to be resolved. They are simply holding the money that I earned hostage and now I am not able to buy XXXX for my family. These banking procedures are antiquated and preposterous. I will pull all of my money out of the U.S. banking system and keep everything in cash because I am so tired of my money not being available to me when I need it. BoA has the same procedures that many other financial institutions do and I have completely lost faith in the system. I want to be able to use my money when I receive it.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In regards to Case number : XXXX. What they 're telling me is not an ethical solution. I am not going to be paying interest on a card for 3 months that ca n't be used. There is no such clause. Nor is it legal. Now if they want to cancel it they cancel the balance as well. I am paid up. They are fully aware of what transpired. Furthermore the balance is incorrect. There have actually been balance issues all along as far as the monthly statements go. I called a XXXX who left a voicemail. She never returned my call. Today I received your email with their resolution of 3 months of payments.
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)

There was a major security breach at Equifax and I 'm concerned as a consumer that my information may have been hacked. I want it documented that my credit will not be effected in anyway as I am in the process of repairing my credit.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Transunion was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

In XX/XX/XXXX I fell behind on my mortgage. I hired an attorney to help me work with my servicer, Ditech, to ask them for assistance in saving my home. I have been in contact with my attorney the entire time and his office told me they were working on the case and it was going fine. Then in XX/XX/XXXX I received a letter from my attorney stating he could no longer assist me because he had been disbarred for mishandling my types of cases. I then contacted my servicer Ditech and they stated I was denied due to missing paperwork. I came to the conclusion that my paperwork had not been handled correctly by my attorney and basically my attorney had allowed my home to go into foreclosure with a sale date of XX/XX/XXXX. I feel I have been defrauded by my attorney who has now been disbarred for mishandling my exact type of case ( Loan Modification and foreclosure assistance ). Besides hiring a fraudulent attorney I have done nothing wrong. I am a victim and I only wish to have a chance to have my loan actually fully reviewed for assistance before being foreclosed. I have attached to this complaint a copy of my attorney 's disbarrment. Although I understand I am filing a complaint against Ditech and they are also an innocent party in this transaction, I dot feel they should just move forward with my foreclosure on XX/XX/XXXX without allowing me to go through one review before doing so. I have hired a new very experienced attorney who helped me submit a full and complete application with financials today ( XXXX/XXXX/XXXX ) to Ditech. Ditech has told me that if they did not receive my application more than 35 days prior to a sale date, they may not be able to postpone my sale date to do the review. My sale date is currently XX/XX/XXXX. However, since I was defrauded by my attorney and kept in the dark, I only ask that Ditech give me the opportunity to actually get them a full application so I can be reviewed once before they move forward with the sale of my home. My family lives in this home and we have no where to go. My hardship was a one time issue and I now have the ability to pay all of my debt if I could just be afforded a loan modification to put the arrears on the end of the loan.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (KS)

I find no titles here that address my problem with Equifax and XXXX credit reporting offices. I have no idea how they determined that by me using my credit card, that it should effect my credit score by a negative XXXX when usage should have absolutely NO bearing on my score. 
Credit scoring was to be on how well we pay our debts, NOT when and how much we spend and by using what method we used for a payment method. Our spending habits are NONE of those credit reporting offices business! 
My credit score was up in the XXXX area, plus or minus XXXX or XXXX points but since I used our credit card to make a couple of purchases, I am being punished for such activity! 
I find this Highly irritating as I have a percentage factor of 100 percent relating to On Time Payments and bill payoffs. 
What gives these credit reporting offices the legal right to punish consumers for using their Good Credit?? 
I wish to submit a formal complaint against these XXXX offices for Discrimination against such consumers as myself as they, in my opinion are violating my consumer Rights and creating an embarrassing situation for me when someone checks my credit score. 
These credit reporting offices are changing their policies on how and what they use to discredit honest, bill paying citizens and should be investigated based on their biased and discriminatory activities.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I contacted all three credit bureaus regarding fraudulent access to my credit file. I have inquiries which was not authorized. I contacted all three bureaus and was informed that I must contact the companies to remove the inquiries. After I did what I was informed, the companies informed me that they do not have anything in their system with my information. Its ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did the Experian allow such numerous companies access to my credit acount without prior authorization? I request that each and every inquiry be removed and I request an updated credit report reflecting such changes.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (TX)

I made a reservation with XXXX in XXXX, with a quoted amount, which I have in writing. XXXX charged my American Express Account {$1200.00} more than I was quoted. XXXX has provided American Express with documents that are forged, they are not the forms I signed, and the signatures are clearly not mine. The forms I signed in XXXX were in XXXX, however they ( XXXX ) provided credit card receipts in XXXX to American Express with signatures that are not mine. I have re-filed my dispute 7 times now. I am at a loss fighting with a huge company that does not care that I have been overcharged severely, and because I did business with them, they will not file a fraud charge. This is fraud, they call it a dispute just because my card was not stolen, but it is fraud. XXXX will not respond to my emails, so I have no recourse with them ( as they are in another country ). I expect American Express to protect me and they continue to let me down.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I traded my car in on the XXXX the company that we bought our other car from said they mailed the payoff in time. There is a negative balance for that account on my credit report. when I called the finance company they wanted me to pay. They said it was a late charge with fees. Yet the car company told me that they sent it off in time and they did their research and that it was there before the next due date. So it is showing as I owe them XXXX dollars on my report and yet when I call them they say I owe them XXXX dollars.
Consumer complaint received 2016-09-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

Identity was stolen to purchase a home in Florida under my information. I found out after the fact with the bank and filed a police report. I have attempted various times to provided ocwen with the information they needed to stop harassing me about this debt. They claim the police report is not validate because it was not done within a year from the incident, again I was not aware of this home until years later. They are now contacting me at all hours of the day and constantly sending me statements and insurance information for a home that has been foreclosed. Please make them stop this harassment.
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)

This is regarding the recent hack of Equifax, resulting in my information being distributed to the hackers/unknown parties and now my identity and credit being at risk of theft for the remainder of my life.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (WI)

I closed the account with citibank # XXXX exp XXXX/XXXX/XXXX name XXXX XXXX. XXXX and spoke to supervisor XXXX on XXXX/XXXX/XXXX at XXXX. central time. At that time XXXX told me that my recently paid fee of {$95.00} plus fees of {$26.00} would be credited back to my checking account since the account was closing. I verified that this would be the location of the refund since I can not use a " credit '' on a closed credit card account. To date ( XXXX/XXXX/XXXX ) I have received nothing and calls to them end in no one knowing anything. I want this money back in the checking account it was paid from.
Consumer complaint received 2017-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (KS)

I have two different collection companies trying to collect on the same debt. The companies are Transworld Systems Inc. and XXXX XXXX XXXX XXXX. The debt collection is for a medical bill I owe XXXX XXXX XXXX Medical Center in XXXX WA. The amount is {$200.00}. I called the medical center but they could not help because the amount I owed had been turned over to XXXX XXXX XXXX. XXXX XXXX said they were getting a lot of calls about this same issue. XXXX XXXX forwarded my call to another person and I left a message for them to call me on XX/XX/XXXX. They called me back on XX/XX/XXXX and ask that I fax everything to them and XXXX XXXX XXXX collections would not call me or collect from me until something was resolved but that Transworld might call me because they could not stop them from calling me. I faxed them the information on XX/XX/XXXX. I faxed them the " invoice '' from XXXX XXXX XXXX and the collection letter and invoice XXXX XXXX XXXX Medical Center that Transworld System sent me showing the same account number and same dollar amount. I do n't mind paying what I owe, but I am not going to pay it twice and I do not want not paying one and paying the other to effect my credit rating. Also if I had not been paying attention, this might have got paid twice and I would not want that happening to someone else.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. WELLS FARGO BANK NA 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)

On XXXX XXXX, 2017, I accessed the website to learn that I may have been impacted by the Equifax breach. As a new member ( still a college student ) navigating the complex credit system, I had no idea how I could receive help and read online that there may be a lot of deception behind Equifax 's system. Upon attempting to access my credit report online via Equifax, I got an error and could n't navigate the system to get it on paper ; plus, I would like to have the information now to know that I have n't been compromised.
Consumer complaint received 2017-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IL)

I received this paperwork several days ago. I had no idea what this was for. I called the attorney listed on the paperwork. Their office advised me that a judgment had been ordered against me and they will get their money anyway they can. I spoke to an attorney and confirmed the judgement. I explained I was never served and had no idea what was this was all about. The attorney said he can take the case but will cost {$1200.00}. I do not know why I have to pay for something I have no knowledge of? I never received any paperwork or any phone calls from anybody for any debt. This should be against the law to be harassed at work for something I have no knowledge of.
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

WELLS FARGO CARD SERVICES XXXX, WELLS FARGO CARD SERVICES XXXX, XXXX XXXX XXXX, WELLS FARGO CARD SER XXXX