davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

This is a fraud case with my business checking account. I own a construction company and was given a fraudulent check to deposit into my business checking account for a closing on a piece of property. We deposited the check like we have for almost 30 years. Our bank made the funds available. We didnt ' feel like anything was wrong. We followed the wire instructions to send to closing and then found out the check was fraud. We have contacted the police, FTC, Attorney General, the other bank it was wired to, XXXX fraud dept at Chase bank, FBI, and now here. We can not get anyone to help us. My own bank ( Chase ) dismisses us like we are the criminal. I am at my wits end and are about to loose my business because of this. Can someone PLease help me? 

THanks so much, 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. (CA)

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 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

I legally changed my name in XXXX of 2016. When my mortgage broker tried to pull up my credit report with Equifax, they were only able to pull up my credit history with my old name, and no new information with my new name. I changed my name with the social security office, my credit union ( where I have a credit card ), and with my student loans servicer and the department of education. I provided my name change documentation since I discovered Equifax has not been keeping up to date records. If you could please help me link my credit history from my old name to my new name. And also discover why Equifax was unable to link the accounts when both the social security administration and my creditors were able to process my name change. Thank you.
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, through their own gross negligence, provided my confidential personal information to hackers/thieves ( identities currently unknown ). Being one of the 3 major credit reporting bureau 's in the USA they have a huge responsibility to safeguard our data and have been recklessly careless with this information. 

As additional examples of their careless behavior : 1 ) When you do a security freeze on an Equifax account they give you a 10 digit PIN you need to unfreeze the account. The first 6 digits are the date you enacted the freeze. This is TERRIBLY insecure, as everyone who freezes their credit as a result of this recent security breach will have extremely similar PINS. 
2 ) The website they created enabling citizens to check if they are a victim of this breach is a BRAND NEW DOMAIN, instead of using their own domain. This makes it significantly easier for identity thieves to direct people to fraudulent sites. This is either simply lazy, or demonstrates an ignorance of cybersecurity that 's criminal. 

I now have to set a fraud alert on my wife and my accounts, which is no guarantee that I wo n't become a victim of identity theft following this breach. Equifax has offered 1 year of credit monitoring to victims such as myself, however this breach will have far reaching effects for YEARS to come. 

In addition to credit card information, which is an inconvenience to change, criminals now have my name, birthdate, social security number and drivers license information which is INCREDIBLY difficult to change. They also know where we live and work, which is terrifying. It is impossible to overstate the economic and physical repercussions of this event.
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)

I have discovered that my personal information was part of the recent hack ( XXXX-XXXX 2017 ) on Equifax 's servers. 

I have contacted all three credit reporting agencies to place both a freeze and a fraud report on my accounts. 

It troubles me that I had to pay for the freezes to be placed on the accounts, given that Equifax does NOT have the greatest reputation concerning its training and security. The inappropriate use of my data should fall squarely on the shoulders of Equifax.
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. (MA)

I am a victim of the equivalent credit breach. It is inexcusable this happened. It is inexcusable it took 6 weeks for this to be reported. It is inexcusable that this much data has been stolen.
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)

My information was part of the large Equifax security breach of 2017. I quickly placed freezes on my credit with all 3 credit bureaus so I should hopefully be largely unaffected in terms of identity theft. Additionally, I placed freezes on my information with XXXX and XXXX. 

However, my information was shared with a third party without my consent. Additionally, I had to spend money out of pocket in order to secure my credit and to prevent unauthorized use of my personal information. I expect better from one of the three credit bureaus. 

In addition to the annoyance factor of this information leak, I now have to deal with the knowledge that unauthorized third parties now have access to my name, address, social security number, possibly credit card numbers, and more. This is outrageous and Equifax should have better secured this 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. (MO)

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/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 2017-09-08
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)

Experian data breach exposed my drivers license, social security number, date of birth, and other private information. Then they charged me {$10.00} to freeze my credit report. They provide free credit monitoring but only if you sign away your legal rights later on.
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 was breached and I believe I could be a victim of their incompetence as an organization. I, along with millions of other Americans should not have to deal with the repercussions of this companies mistake. I have applied to XXXX to try to see if there was some option as to locking my credit. Luckily there was and I proceeded to do that.
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carpenter, Hazlewood, Delgado & Bolen, PLC (AZ)

I bought my home 8 years ago and paid cash for it up front. Anyway over time I found out my ex never paid our HOA. A couple of years ago I entered into an agreement with the attorneys for XXXX XXXX XXXX XXXX that they would remove the lien and other owed funds once i made a one time payment of XXXX which I made and notified them of the payment at that time. Anyway they never took the lien off my home instead they compounded it with legal fees and are now foreclosing on me. They never let the judge know about this agreement and when I spoke with their attorney I was told they would no longer honor the agreement we had even though it is in my file and I do have the negotiations and agreement in my email. They just plan on taking my house just like that. XXXX XXXX made the agreement with me on their behave she is the Director of Collections for Carpenter Hazelwood and they say I now owe over 20k dollars all of which are legal fees which I would not have had if they had honored the agreement. I still have all the emails including the negotiations and XXXX telling me they would remove the lien from my home and eliminate the small amount left. In addition to this I am never notified of any court dates either I am only notified after the fact and I am certian this is because they know I will make the judge aware of the agreement. So the judge has signed a foreclosure without having the information and I have been holding them off but am now out of options. How is this legal or even remotely fair business practices? I really need help
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

3 credit unions were given information supplied from me. This complaint is regarding a trade line on my crit report from XXXX XXXX XXXX. Please the attached letter from the credit union to delete the file. I am also attaching the envelope with post mark on XX/XX/XXXX.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement. 

XXXX XXXX XXXX XXXX XXXX XXXX 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. (NY)

Equifax, a credit reporting bureau responsible for tracking and maintaining the credit score that allows me to function properly as an American citizen, failed to take adequate security precautions or implement adequate security measures to protect my Personally Identifiable Information ( PII ).
Specifically, due to their own negligence and substantial information security failures, Equifax caused my most sensitive PII ( SSN, Name, Birth Date, Addresses, Driver 's License Number, etc. ) to fall into the hands of an unknown and demonstrably malicious agency.
This is evidenced by Equifax 's own website ( http : //www.equifaxsecurity2017.com/ ), which contains their response and actions taken. I find those actions to be wholly inadequate, given that my PII will be critical for the rest of my life, and is now and forever more will be readily available to external malicious actors.
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 information was leaked in the ongoing incident. According to the Equifax website which checks for impact, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have just put an initial fraud alert in place and gotten my report from one of three agencies to check for errors. Now, I will continue to monitor my reports for the foreseeable future.
It is entirely unacceptable to store this information unhashed and unsalted. Any data security company knows this. To do this with the information of Americans is just mind baffling.
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. (AZ)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/2017 that they confirmed I was affected by per their " Potential Impact '' site 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 that dumped stock immediately prior to the data breach announcement. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach and covering the cost of any fraud that this may cause. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
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 was hacked and that is unacceptable. I work hard to maintain my good credit. Equifax should fix this and offer some sort of compensation or credit monitoring. Equifax should be the most secure company since they have so much information on consumers. How are they going to fix this? I need to know because I am one of the ones who has had their identity stolen.
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. (AZ)

Due to negligent or malicious actions and/or improper storage of data/information on the part of EQUIFAX , Inc., My personal information and credit data about me were stolen from EQUIFAX , Inc .
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. (IA)

I am a potential victim of the Equifax data breach per their website, www.equifaxsecurity2017.com. Equifax has mishandled my personal and credit information, such as my name, social security number, address, birthdate, etc., which puts me at risk for identity theft for the rest of my life as the details released are specific to me and used by every creditor to verify identity and creditworthiness.
Equifax did not act fast enough and waited multiple months to report this data breach, nor did they proactively notify impacted parties, and have stated they do not intend to notify all parties impacted. They are also attempting to capitalize on their own data breach by signing up parties impacted by their negligence up for their ID protection services.
Equifax 's terms and conditions on their ID product is also defrauding individuals by buring language in these conditions that waive the impacted party 's ability to sue Equifax in what appears to be a situation of criminal negligence and fraudulent behavior, especially as evidenced by three Equifax executives selling their stock for millions of dollars immediately after the data breach was discovered, but before it was publicly announced.
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

On XXXX/XXXX/XXXX my XXXX at work. I could n't work any longer because I had difficulty standing & walking. The current mortgage & second mortgage that I still owe today are more than what they should currently be. The reason I say this is I have proof that the Insurance company ( Mortgage Protection Insurance ) I took out as backup in case I got hurt or fell sick would pick up my payments for five years. They were a big help to me as I am XXXX & can no longer be employed. My contacting you is this reason as follows. From the time of my being XXXX & not able to work the ( MPI ) paid directly to the first & second mortgage holders. On XXXX XXXX, XXXX said first mortgage balance bill was for {$72000.00} & second mortgage was {$8600.00}. Meanwhile I got a letter from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX stating that the money they paid in to date for the first mortgage was {$41000.00}. And the second mortgage paid to date from XXXX XXXX XXXX XXXX paid {$7700.00}. My question to you is this if the first mortgage from CitiFinance ( XXXX ) XXXX on XXXX/XXXX/XXXX balance of {$72000.00} - {$41000.00} from XXXX XXXX XXXX XXXX ( XXXX ) XXXX paid in to date, gives me a balance owed to CitiFinancial of {$31000.00}. CitiFinancial states I owe them {$67000.00}. The second XXXX the same thing, I owe CitiFinancial to which they sold the second mortgage to XXXX, {$8600.00} - {$7700.00} that XXXX XXXX XXXX XXXX paid in to date ( payments for 52 months & said bill from them state that I owe them to date, {$6700.00} & I, under the DRS care to prove this ) balance should be $ XXXX.Current balance for CitiFinancial billing XXXX for the first mortgage owed current {$67000.00} & second mortgage currently owed to XXXX {$6700.00}. Why do I owe these mortgage companies this much money when XXXX XXXX XXXX XXXX paid CitiFinancial {$41000.00} & XXXX XXXX {$7700.00}. My balance should be for CitiFinancial {$31000.00} & {$980.00} for XXXX..With my totals of all the money XXXX XXXX & XXXX XXXX XXXX XXXX accounts of {$32000.00}, I am being overcharged {$41000.00}. All interest charges during this duration was waved because Im XXXX. These companies applied payments from XXXX XXXX XXXX XXXX directly to their interest which should of reflected a whole lot more paid down each month & practly nothing put to principal. When they get this kind of money from the insurance company, why do they pocket everything & it only reflect the very little interest paid in & the bill never goes down.I have questioned them on this before & I could n't get a reasonable answer. I feel I have been ripped off. These people are not the greatest ones to communicate with. I 've had issues with them & their practices. Can you check on this for me. I am on a very limited budget being on XXXX & all. I was going to get a lawyer but I was told I should contact you first. I really need a miracle if you got XXXX for me please! thank you XXXX XXXX XXXX ( 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. (AL)

The Equifax data breach that occurred in XXXX XXXX. My personal information was compromised. I verified this information through Equifax and was told that my personal information was involved.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.