davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am filing a complaint as I 've been informed by Equifax that I am one of the 143 million people who 's privacy data ( social sec, bank accts, etc. ) has been hacked. I am not signing their Credit monitoring as it waves my right to sue, I 'm filing my official complaint against the company as this is unacceptable.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Equifax had a major data security breach and my personal data was affected and could impact the following : Social Security number, Birth date, Home address, Drivers license number, Credit card information.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-09
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. (LA)

My personal information was leaked by Equifax through a hack. After checking on their provided website to see if I was affected, it showed that my information had been compromised. I understand they are also a victim in this hack, but nevertheless, their responsibility is still large.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Called XXXX XXXX numerous times regarding incorrect reporting on credit reports. On XXXX XXXX 2016 XXXX XXXX accepted a payment proposal and enrolled my account in the XXXX XXXX agreeing to lower my interest rate, wave any past due, over-limit, and membership fees. My account was reported 30 days past due for XXXX 2016 and XXXX 2016. This is inaccurate. I called in XXXX to ensure that this issue was corrected. XXXX XXXX stated that it took XXXX billing cycles to correct the issue of not properly enrolling me in the program as agreed in addition to honoring the proposal that they agreed to in writing dated XXXX XXXX 2016. XXXX XXXX accepted proposals on both of my active credit cards with this company. The second credit card ending in XXXX did not have any issues however, the card ending in XXXX has been an issue that XXXX XXXX unfairly refuses to correct. For years I have been a customer paying my accounts and maintaining a good credit standing. XXXX XXXX XXXX company has made timely payments on behalf since XXXX XXXX agreed to the proposal. I have made additional payments on this account in addition to the monthly reoccurring payment. On XXXX XXXX 2016, approx. XXXX XXXX, I called XXXX XXXX and spoke with a representative by the name of XXXX. XXXX informed me that my account ending in XXXX was still showing pending of enrollment into the Workout program due to reoccurring system issues. She stated that someone should have informed me that I was to make double payments, payments submitted by XXXX XXXX XXXX Company and additional payments on my own to satisfy full payments until the system issue corrects itself. This did not make any sense to me. I would like to reiterate, XXXX XXXX accepted XXXX proposals for XXXX of my credit cards. The credit card proposal for account ending in XXXX was accepted and approved on XXXX XXXX 2016, this is the inaccurate account and the account that XXXX XXXX can not seem to correct. On XXXX XXXX 2016, my credit card ending in XXXX was accepted and approved with no issues. XXXX enrolled my account ending in XXXX into a XXXX Program to help suppress the late fees that XXXX XXXX placed on my account. XXXX state that I would need to write a letter to XXXX XXXX requesting removal of the 30 day late notices, XXXX in XXXX 2016 and XXXX in XXXX 2016 from the XXXX major credit bureaus. I wrote a letter dated XXXX XXXX 2016 to XXXX XXXX with this request. In a letter dated XXXX XXXX 2016 XXXX XXXX refused to correct my credit status. The letter states " we are unable to change our reporting on a courtesy basis. Also, we have placed a disagreement code with a resolution of dispute on your credit file to the major credit reporting agencies. '
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The credit reporting company Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My personal information was compromised as part of the huge hack into the Equifax security breech. I looked on their website this morning ( XX/XX/XXXX ) and it said that my personal information was included in the information hacked. The Tech Security team at my workplace recommended filing a complaint with you.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

HI, My name is XXXX XXXX I pulled my credit profile only to discover that the bureaus is reporting inaccurate information on my credit report. I have inform them that I 've been a victim of identify theft. On my credit profile it list that my Date Of Birth XX/XX/XXXX, when my Date Of Birth is XX/XX/XXXX. I have submit several dispute on the behalf and yet they still reporting these anonymous accounts listed below : XXXX XXXX XXXX Balance {$560.00} Medical XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$760.00} please update and remove all items listed above
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax mishandled my personally identifying information in a way that let malicious actors access it, along with millions of other Americans. They did not notify anyone for at least a month, and I discovered it through the news instead of immediately through them.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

On XXXX-XXXX-2017 Equifax was cyber attack resulting in hundreds on millions of people 's personal info including social security, DOB 's, and ID numbers being stolen by hackers. I was one one these people.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Equifax mishandled my credit information, which puts me and millions of other people at risk. Currently, I am listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

This is a result of the data breach of Equifax on XXXX XXXX, 2017. They mishandled my information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Also they did not notify anyone quickly enough and admit that they will not notify everyone. This is extremely unsettling.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NY)

You probably already have a huge steaming pile of complaints regarding the Equifax breach. That incident alone is complaint-worthy, but my particular complaint might ring a different tune.
The site they offer to check if you 've been " impacted '' ( https : //www.equifaxsecurity2017.com/potential-impact/ ) is deceptive. If you are determined to be affected you 'll see a display like the following : " Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in TrustedID Premier.
[ Enroll ] '' For starters, you ca n't even enroll right away, and are forced to return to the site at a later date that they provide. Rampant identity theft can begin NOW, and we ( impacted consumers ) need the protection NOW. Doing anything after the theft has occurred is already a worst-case scenario.
My expectations were : a ) An option to freeze the credit report right away. ( This is by far the MOST important thing. ) b ) Voluntary outreach to all affected customers by postal mail.
c ) An offer for FREE identity protection services, available immediately.
d ) An honest description of what exactly might have been leaked - a worst case estimate if they truly do not know.
Equifax is clearly failing on all four counts, beyond also completely failing in IT security. As I read it, they can not even assess the extent of the damage because the controls were so faulty.
What 's worse, after reading into what TrustedID Premier actually is, this is a PAID service that they appear to intend to use to wring more money out of unsuspecting consumers! This is outrageous behavior and needs to be curtailed! The message to enroll for TrustedID is an up-sell, not a path to restitution.
I never once chose to be involved with this company, and it is incredibly unfair that I am now exposed to significant harm because of their negligence. That they have the nerve to then attempt to up-sell me amidst this major failure is reprehensible.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TN)

Equifax 's processes and policies are inefficient and biased due to the confusing and misinformation that they provide. Bankruptcy information should be reported once as a court account not individually as credit accounts. This is misleading and shows multiple negative accounts under Credit Accounts. No other reporting agency reports this way, which explains the dramatic difference in my credit rating with Equifax , over XXXX point difference. This illegal practice is given further power because Equifax fails to provide any differentiation on their reports between " Negative '' and " Positive '' accounts. Equifax , who primarily services the southern states, policies, procedures, reporting and therefore scores are far different from and more erroneous than the other XXXX major bureaus, and I feel are down right criminal in nature. I 've reported this agency more than once, and I 'm sure there are millions of other Americans as well. Please do something definitive to help with correcting the wrongs of this agency. I suggest termination.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My information was allowed to be stolen from equifax. ALL OF MY INFORMATION! My name, address, social security #, date of birth, credit cards EVERYTHING! I have confirmed this on THEIR WEBSITE! I am angry beyond belief!
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

my XXXX score is XXXX according to XXXX XXXX. This score is based on no missed payments- green, recent cc useage - green and ratio of balance to limit on revolving accoungs is too high -- RED. However when I go to Credit Utilization below, my score is 27 % which is green. And when I look further it shows that anything under 30 % is green. So.... how can my key factors be both red in XXXX spot and green in another. Thus my score should be higher. XXXX XXXX ***********
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax has indicated that my wife as well as my own personal and secure data has been compromised due to lacking security measures. Equifax failed to release this information in a timely manner and even let their employees sell stock before it became public knowledge.
Consumer complaint received 2017-09-08
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. (CO)

My complaint is with XXXX XXXX bank and my previous card ending in XXXX. According to XXXX my account was hacked somehow I think my card was skimmed because several people in this small town had theirs skimmed as well. 
XXXX XXXX REFUSED to alert me to strange expensive purchases and even though they took it upon themselves to block a lot of phony purchases they decided to keep everything a secret. They closed my account and ALL ACCESS FOREVER TO MY PREVIOUS TRANSACTIONS. My credit score crashed 100 points because of them and I have proof that I 've been using this card almost  like a cash card paying off my balance in full OR MORE OFTEN EVEN MORE THAN THE FULL AMOUNT I do all of this to rebuild my credit and it was working my FICO score went up about a 100 then crashed IMMEDIATELY WHEN THE HACKING STARTED. 
XXXX XXXX PROMISED ME that they would contact Experian to explain but they just told me that was a lie to get me off the phone. XXXX XXXX violated their own posted rules by refusing to alert me when my account was being hacked then denied access to my own information. It 's hard enough to recover from bankruptcy and I even took a class as to how to rebuilt my credit but you allow these guys to do whatever they please with zero consequences. I 'm still being transferred from one incompetent agent to another with as always zero results.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (WA)

Equifax failed to keep secure my personal information, exposing me to a significant risk of identity theft. They took over a month to notify the public of this breach, further exposing myself and millions of others who did not know of the risk, and during which time the executives sold off shares of Equifax in a clear case of insider trading. 

This is a massive breach of public trust. Further, the terms they 've created for their offer of compensation -- free credit monitoring for a year -- is riddled with unacceptable language granting Equifax amnesty and removing the right to sue of any injured party who accepts this service -- which they should be by law required to provide without reservations or waivers of any sort.
Consumer complaint received 2017-09-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

Equifax had a major cybersecurity breach that they did not disclose to the public until over a month later. 3 days after the discovery of said breach, and therefore almost an entire month before the knowledge was made public, three known  inside executives performed insider trading of Equifax stocks.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Bilt Technologies, Inc. (WI)

I attempted a rent payment of {$1100.00} on XX/XX/XXXX through the Bilt Rewards portal that they provided a routing number and account number with a linked credit card for those landlords or properties not within their network. I contacted Bilt Rewards on XX/XX/XXXX on why a transaction has not been posted. The customer service representative a told me that transaction take 1-3 days to post. Told me to contact my bank. I contacted XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and they told me no transaction has gone through. I contact Bilt Rewards a second time on XX/XX/XXXX, after contacting my landlord saying a payment was posted but a transaction did not go through, and Bilt Rewards claimed I did not use their portal to make a rent payment. After various emails with multiple individuals, XXXX wanted a screen shot of my rent payment. I provided it to them. Then XXXX and others made many accusations that I didnt use their portal. I made a second payment through them on XX/XX/XXXX. They continue to claim Im not using their rental portal and they wanted a screen shot of the XXXX payment made on XX/XX/XXXX and I refused.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Equifax was recently hacked and I have been affected due to this issue. Because of their lack of security and infrastructure, I likely have to put my account into a forever loop of fraud alerts to protect my financial identity thieves from ruining my life. 

The failure to inform their clients since the initial hack in XXXX - now XXXX, and the quick sell out of investors speak otherwise of what was really going on in the background while trying to make money off of customers and still trying to please their investors. Please investigate this company for insider trading, fraud, and fine the company for practice maleficence.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax was hacked and my personal information was compromised. 

I received no notice from Equifax, and instead had to do my own research, weeks if not months after my information was made vulnerable. Equifax offered only a " free '' service to monitor my credit, and rather than alert me in any way, Equifax left it up to me to find recourse elsewhere on the web. Had I not investigated on my own, I 'd have never known that my information was made public.