davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (MI)

I regularly check my XXXX and XXXX credit reports on XXXX. Recent check have discovered a collection placed by a company called Midwest Recovery Services for a payday loan from XXXX. Upon further inspection it appears the payday loan company is a scam. I have NEVER applied for nor received a payday loan from this company. I was also never notified of an attempt to collect this debt by Midwest except when it showed up on my report. I have submitted a Debt Validation letter via certified mail with no reply.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

This account in question was previously deleted due to fraud. It originally was XXXX account. The new company XXXX purchased XXXX and re-inserted the same account on my credit report. This needs to be deleted immediately. I have supplied Equifax with a police report, affidavit and personal identification. XXXX changed the account number to allow it to be re-inserted.
Consumer complaint received 2017-08-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (CO)

I had called a number back on my phone, thinking it was my health insurance company, but it was actually Phoenix Financial Services LLC, which they did not tell me until a couple minutes into talking. The man on the phone on XXXX/XXXX/XXXX said that I had a medical debt of {$560.00} that they were trying to collect on from XXXX Kansas XXXX XXXX XXXX. He told me that the XXXX was willing to take {$400.00} over 4 months. I know now that it had been on my credit report for so long that it 's closed on the report and has been for a while. I asked him at the time what would happen if I just did n't pay such an old bill now because I really ca n't afford another payment to someone now. He said that my XXXX XXXX would just keep going down XXXX it 's been going up, actually XXXX, which I take to be him threatening to XXXX up my XXXX XXXX. I told him that I would have to review my finances and get in contact with them in a week. In this time I received XXXX call on the XXXX, XXXX, XXXX ( called them back for initial conversation, at this point I let them know I will get back to them in a week ). I sent them an email letting them know that either the amount would have to be lower, or it needs to be paid over longer than 4 months. I received a call on the XXXX in reply that they would be willing to extend it just XXXX month and have me pay {$25.00}, {$25.00}, {$100.00}, {$120.00}, {$120.00} over that time. I did agree to this, but it 's weird, because this time the same man told me this was up to his boss, when earlier it was the hospital that supposedly said they would take {$400.00}. It 's deceptive in my opinion, because the hospital would n't even return a call about them, it 's obviously not in their hands anymore, so I do n't know why he initially externalized who the responsible party was. I agreed to send the first {$25.00} on XXXX ( today, which I have not sent as of writing this ). Today at XXXX pm I received a call with " XXXX XXXX ID. '' I assume this is probably the company trying to harass me without me having a way to call the number back. 

I do n't know if this is even a debt I 'm still required to pay because the last time I even heard anything it was from a different debt collection company years ago. If the account is closed, how can they threaten to destroy my credit? I took that hit to my score once already.
Consumer complaint received 2017-08-26
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. (GA)

The bureaus are reporting a bankruptcy Under the new law effective XXXX XXXX 2017 any public record data must include name address as well as SSN. or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information..
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CREDIT ACCEPTANCE CORPORATION (WV)

I WAS LIED TO AND TRICK INTO CO SIGNING MY SISTER ASK ME COULD SHE USE ME AS REFANCE SO SHE GET A CAR .I TOLD HER XXXX NOT CO SIGNING SHE SAID NO NOT THAT.THEN SHE PUT ME ON PHONE WITH THE GUY SHE WAS BUYING THE CAR FROM WHICH A CAR DEALERSHIP.I TALK TO THE GUY I TOLD HIM I'AM NOT XXXX SAID NO JUST NEEDED ANOTHER XXXX ON HER APPLICATION SO I SAID OK AS LONG AS XXXX HAVE CO SIGN OR PAY HER DEAIT. SHE GOT THE CAR AND REPO IT IN XXXX MONTHS NOW IT ON MY CREDIT REPORT.FOUND OUT SHE WENT WITH THE GUY I WAS LIED TO.
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MI)

In the attempt to collect a debt I was told by XXXX that I a totally different amount than what is reported to the credit bureau in the amount of {$980.00} when the total amount reported is {$830.00}
Consumer complaint received 2017-08-26
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Manhattan Beach Venture, LLC (NY)

Over a year, a company called Manhattan Beach Venture , LLC a loan consideration company reached out to me to help me with my student 's loan. As the process took place information was exchanged, and I wanted to reach back from them to see if I was approved. I never heard back from them. A few weeks later I heard from a different company called XXXX XXXX XXXX ( XXXX ) reached out to me in regarding telling me that they were the ones who processed the consolidation and payment will start up in XXXX of 2016. 
I was afraid that Manhattan Beach Venture , LLC might have sold my information to this company. I asked them to provide a phone number for Manhattan Beach Venture since I have had a hard time reaching them two days after speaking to them. The number XXXX XXXX offered was a nonworking number. I also told them that I did n't reconsolidation with them and was still waiting to hear back from Manhattan Beach about my application. I told them that I spoke with Manhattan Beach and I did n't know why a different company was reaching out to me for future payment. For a service that I did n't yet agree to pay for yet. I did n't sign my name to anything so, why would I provide a phone to a person over the phone that I had never hear of. 
Ever since XXXX XXXX got my phone number, they have been harassing by phone and email. They also stated that they had emailed me notifications for payment as well. I ask them many times to stop calling me. Each time they called me they asked for a credit payment. And each time I tell them that I will not pay them for something that I can do myself by going online through the department of education. 
I have reported them to the BBB and other government entities. 
I have been trying for over a year to reach Manhattan Beach Venture , LLC, the company I originally dealt with, and I have had no luck. Each phone number I have tried I get an error message, or fax sound come from the other end. 
Begin of XXXX I got in contact with XXXX XXXX about the contract I signed and as I read the document place that should have been signed or name should have written on was done by someone else. Because the signatures/printing does n't match my own. 
I am at a loss, I contacted a lawyer about this situation, and I am frustrated and at a loss and I do n't know what do. 
Any help I can receive would be greatly appreciated. 
Thank you,
Consumer complaint received 2017-09-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (AL)

XXXX XXXX put on all 3 of my credit reports that I owed them {$1100.00} in XX/XX/XXXX, with XXXX XXXX, which I disputed, due to the fact that I have the XXXX signed receipt from XXXX XXXX showing they received their equipment back on XX/XX/XXXX, so it was removed, then XXXX XXXX put in back on all 3 credit reports the same {$1100.00} again with XXXX XXXX in XX/XX/XXXX, which again, I disputed with my same records, and it was removed from all 3 again. Then XXXX XXXX put in on all 3 of my credit reports again for the {$1100.00} on XX/XX/XXXX with AFNI, by changing the original opened date to XX/XX/XXXX which on XX/XX/XXXX, I hired an attorney with the XXXX XXXX XXXX, in XXXX Texas, whom took my {$250.00} retainer, never had me sign anything, never followed up with me to this very day, phone number XXXX, which I sent them all the information I had showing it was an open and shut case of my rights with the FCRA, and when I was able to get ahold of them myself, I was told they sent AFNI a certified letter to asking them to remove the it from my XXXX credit report, as I believe that is the last one it still remains one, as it was removed from the other 2, but all that happened was AFNI lowered the amount to {$350.00}, saying it was now for prorated services I owed. From my understanding, once it was reported that I owed the {$1100.00} the first time, months after they had already received their equipment, which is what I was told the balance was for the first time, they broke the law? Then to do it again with XXXX XXXX, they broke the law again, just to do it a 3rd time, by changing the date the account was opened, which was almost a year after I have proof they had actually received their own equipment back, then broke it again, by just changing the amount and I have disputed this myself at least 15 times, and Ive paid for an attorney that has failed me as well. This has now been going on for over 2 and a half years of ruining my credit, my name, and stress you would not believe. I been on meds now because they just keep getting away with it. And when I called AFNI, they even told me that if it was at their collections agency, then they knew it had already been through the other 2, because they are the last of 3 collection agencies XXXX XXXX uses. I know I am not the only person this has happened to, I 'm sure. But I dont know what else to do. Disputes dont help, when I have all the actual paperwork, and documents showing they received it before it was ever placed in collection the first time.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (LA)

I received a written letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX regarding an account. The written letter offered the option of " XXXX payment of {$640.00} '' after which my account would be considered " Satisfied in Full '' once the payment is successfully posted. ( Please see attached letter ) I paid the {$640.00} ( please see attached section bank statement noting payment to XXXX XXXX ). XXXX XXXX now reports my account as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', with a reported balance still owing of {$1100.00}. The original balance reported was {$1800.00} -- XXXX XXXX XXXX has simply reduced the balance by the payment of {$640.00}, rather than updating the account to " Settled in Full '', as promised in writing. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.
Consumer complaint received 2017-08-26
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Equitable Acceptance Corp (NY)

Over a year, a company called XXXX XXXX XXXX , XXXX a loan consideration company reached out to me to help me with my student 's loan. As the process took place information was exchanged, and I wanted to reach back from them to see if I was approved. I never heard back from them. A few weeks later I heard from a different company called Equitable Acceptance Corporation ( XXXX ) reached out to me in regarding telling me that they were the ones who processed the consolidation and payment will start up in XX/XX/XXXX. 
I was afraid that XXXX XXXX XXXX , XXXX might have sold my information to this company. I asked them to provide a phone number for XXXX XXXX XXXX since I have had a hard time reaching them two days after speaking to them. The number Equitable Acceptance offered was a nonworking number. I also told them that I did n't reconsolidation with them and was still waiting to hear back from XXXX XXXX about my application. I told them that I spoke with XXXX XXXX and I did n't know why a different company was reaching out to me for future payment. For a service that I did n't yet agree to pay for yet. I did n't sign my name to anything so, why would I provide a phone to a person over the phone that I had never hear of. 
Ever since Equitable Acceptance got my phone number, they have been harassing by phone and email. They also stated that they had emailed me notifications for payment as well. I ask them many times to stop calling me. Each time they called me they asked for a credit payment. And each time I tell them that I will not pay them for something that I can do myself by going online through the department of education. 
I have reported them to the BBB and other government entities. 
I have been trying for over a year to reach XXXX XXXX XXXX , XXXX, the company I originally dealt with, and I have had no luck. Each phone number I have tried I get an error message, or fax sound come from the other end. 
Begin of XX/XX/XXXX I got in contact with Equitable Acceptances about the contract I signed and as I read the document place that should have been signed or name should have written on was done by someone else. Because the signatures/printing does n't match my own. 
I am at a loss, I contacted a lawyer about this situation, and I am frustrated and at a loss and I do n't know what do. 
Any help I can receive would be greatly appreciated. 
Thank you,
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. (CO)

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 XX/XX/XXXX, 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. 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 who dumped stock immediately prior to the data breach announcement.
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. (CT)

I have been part of the cybersecurity leak that affected Equifax from XXXX to XXXX XXXX. I am only being informed now, in XXXX of XXXX of the fact that my information has been floating around as part of this comprehensive hack on their databases. This is unacceptable as no information was ever given to Equifax consumers by Equifax regarding the breach. 

As a result of this breach I may be vulnerable to fraud, identity theft, unauthorized use of my credit and finances, among other life-changing things. This has caused me much stress, anxiety,  and undue hardship due to the constant thinking about having my identity stolen and the taking steps, without the help of Equifax, to attempt to minimize damage and remedy the situation. For a company that is worth well over {$3.00} billion, it is absurd that they can not protect consumer information.
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. (MN)

My personal data appears to be compromised because of the cyberattack on Equifax Inc. as confirmed by their service that checks for this ( www.equifaxsecurity2017.com ). I have never worked with Equifax directly, so I do n't even really know why they have my data, but that does n't matter now I guess. I do not know the full extent of what happened to my data, I am currently unable to view my credit report ( XXXX gave me an error when I tried to get my report and said to try again later ). This breach of my personal data is unacceptable and puts me at serious risk for identity theft and probably more.
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)

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 and included the executives selling their stocks in their company after they found out but before the public. 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 repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (AP)

Sensitive information was divulged without permission due to hack. Company ( Equifax ) internal security is flawed and inadequate leading to breach. I am currently in military active-duty stationed in XXXX XXXX and TrustedID credit monitoring service for 1 year does not seem adequate ; also terms of service limiting future legal rights/arbitration seems unethical and unfair.
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (MO)

I have been trying to dispute several charges on my Discover credit card and after the last time I contacted your agency Discover opened the disputes and told me that they had issued provisional credits and allowed the merchants 45 days to respond or the credits would remain permanent. Two merchants provided responses that I am refuting, however, I have not heard anything on the remaining charges since. I would like someone to communicate the status of my disputes with XXXX on XXXX/XXXX/16 in the amount of {$500.00}. 
XXXX on XXXX/XXXX/16 in the amount of {$5500.00} XXXX XXXX on XXXX/XXXX/16 in the amount of {$270.00}
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 entire life is tied to my social security number which was handled with improper care by Equifax. I consider thier negligence which lead to this breech to be pretty serious. Equifax has no business handling confidential information and I had no choice in giving them my most crucial personal information in order to be part of society to begin with.
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. (TN)

Equifax reported on XX/XX/2017 that it had experienced a data breach exposing private information regarding approximately 143 million US citizens. This incident compromised these persons social security numbers, birth dates and addresses as well as other sensitive information. This breach was discovered on XX/XX/XXXX of the same year, meaning that Equifax withheld this information for over one month while leaving millions of consumers vulnerable. Ultimately, Equifax gathered ALL the information needed to steal the identity of 143 million United States citizens, placed it on a server that was vulnerable to external breach then hid this incident from those impacted for over 5 weeks. 

Equifax has proposed a " solution '' to this issue, however. A website was set up to where persons suspecting they were involved can verify this fact. I checked and found that my information was leaked among the millions of others. Equifax then offers ONE free year of " credit monitoring '' after which you must pay them for regular update on your credit profile, which they have left compromised. 

This, for obvious reasons, is a remarkably insufficient response to such a monumental incident. The information stolen will retain its value for as long as those involved remain alive. This breach WILL result in stolen identities stretching into the next century. Those whose information was included will NEVER be free from this cloud of uncertainty. 

There is no blanket, ca n't miss solution for those who are impacted. Personally, I have frozen my credit and opened a subscription for XXXX credit monitoring which I will now have to leave running for the remainder of my life. At a cost of over {$10.00} a month this will total in excess of {$5000.00} over the remainder of my expected life and much more for those younger than myself. 

The lack of security that directly led to the data breach is an embarrassment to this corporation. The delay before informing those who have been left exposed should be a lasting embarrassment to all involved in that decision. The proposed compensation is an insult to any thinking person considering the scope of this situation. The fact that no one will be held accountable for the monumental negligence involved in this incident is, quite frankly, an embarrassment to the United States of America.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (TX)

I have a checking account with BBVA Compass Bank. I used my debit card two times on XXXX/XXXX/17 and the I had a loan payment of {$310.00} come out on XXXX/XXXX/17. this was a bank draft payment. the bank arranged my debit payment to cler after the bank draft payment to come out after my debits thus charging me XXXX overdraft fees. I do n't agree with them arranging payment to charge more fees. I am a single mother and I need my money. they have also charged me and extended over draft fee of {$25.00}. I am being charged over {$100.00} in fee because of their greed this need to be fixed.