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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

The Equifax security breach media release provided a website where you could check if your information was breached and have enrollment to a credit protection plan to monitor your record for 1 year.
I went to the website where it confirmed my information was part of the breach and I was eligible to enroll. I selected the enroll button, entered some information, and was presented a message that I needed to follow the line and click 'continue ' to complete the enrollment process. I followed the instructions, but when I did the 'continue ', it returned to the check if data was breached - - it just kept circling in the verify your eligibility screens, One message said because I chose to enroll, that I would not receive further notices from Equifax on any credit breaches. 

I then called the phone number on their website to contact them ( XXXX ). It answered with a greeting, but then disconnected. 

In short : They offer free credit monitoring enrollment, but the website will not allow you to enroll, and by making the enrollment attempt, you relieve them from their obligation to keep you informed. They offer a phone contact for questions/support, but the phone number does not work.
Consumer complaint received 2023-04-17
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: FIRST PORTFOLIO SERVICING INC (GA)

The XXXX  XXXX XXXX # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.
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 Inc. said its systems were struck by a cyberattack in 2017 that affected my personal credit information. Intruders had access to my name, Social Security number, birth date, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed.
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 leaked my credit data despite the fact that I am not a customer of theirs- I would never use them if I had any say in the matter and now I am having to take special precautions to ensure my identity does not get stolen. And they knew about it for TWO MONTHS before they notified us.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Hack compromised my personal data via Equifax, verified by their page setup to see if consumers had been impacted.
After submitting my information, I received the following message : " Based on the information provided, we believe that your personal information may have been impacted 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. (MA)

According to www.equifaxsecurity2017.com I was one of the 143 million consumers to have my information stolen due to the cyberattack on Equifax. As I understand it, I am now at risk for having my identity stolen and I have had to put a 90-day fraud alert on my credit file.
Consumer complaint received 2016-09-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (NC)

I called Ally Financial today XXXX/XXXX/XXXX in regard to a fraudulent account reporting on my credit report. I spoke to a representative named XXXX who was extremely rude. I could n't understand why she was being so rude when I was quite cordial. At any rate, i explained to XXXX that I had been a victim of identity theft dating back to XXXX. I explained that I added a fraud alert and a security freeze to my credit report. I also told her that no one contacted me regarding opening a new account with Ally Financial despite the fraud alert being on my report. XXXX asked me some questions such as account number with which I could not answer. XXXX very rudely told me she could n't give me any information because it was not my account. I explained to her that there appeared to be a payment history reporting o the credit report and I wanted to request the documents as I had no bank account once my personal information was compromised and used fraudulently. XXXX told me she could not provide me with that information and I would have to speak to the fraud department. I asked her if she had a direct telephone number for the fraud department and she said " NOPE '' and hung the phone up on me. I immediately called back and I spoke to XXXX who would not provide her last name. I explained too her that someone had stolen my information, I placed a fraud statement on my credit in XXXX, prior to what states the opening date of this account was and no one called to verify anything. I explained to her that I new nothing about this account and I was hoping to receive documentation so I can find out what account was used to make payments and who 's account it was. XXXX told me she could not provide that information. I asked XXXX if I could have the fraud departments telephone number and she stated that I was in the fraud department as XXXX had just previously said I was not. I do not understand why they will not provide the documents used to put this fraudulent and inaccurate account on my credit report. XXXX stated it is not my account. Therefore, It should be removed. At present, I have no definitive answers or feedback from Ally Financial, only a very rude representative who obviously does not understand the impact this has had on me. I have not utilized credit since this began in XXXX.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

CREDIT CARDS FRAUD OPENED BY SOMEONE FROM A DIFFERENT ADDRESS AND PHONE NUMBER ACCESSING MY PERSONAL INFORMATION SUCH AS SS # .ETC. 
AND ISSUING A CREDIT CARD WITH OUT MY 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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I 'm sure you 've received this well over 10,000 times but Equifax decided to either not invest in the proper security measures for 143 million Americans private information ( I am one of those ) or they were grossly negligent in protecting that information. 

After Equifax was hacked I found out my information could be in jeopardy from a thrid party news outlet and was NEVER notified by Equifax that my private information was potentially breached. I had to hunt down a link to their website and check manually with Equifax and their poorly engineered website for this crisis. 

After reading into this problem I 've learned the information was stolen well over 30 days ago and now thanks to my own due diligence I am now aware that my information has been potentially stolen. 

Equifax has failed to protect my personal information. Equifax has failed to give me proper notification of potential stolen information within a reasonable time frame. Equifax has failed to give a clear remedy for this entire situation. 

Are the credit bureaus too big too fail?
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. (NE)

I found out in the news ( X/X/2017 ), 2 months after the alleged security breach took place with Equifax, that 143 million Americans ' information might have been compromised. This included SSN, DOB, credit card info, and other personal identifying information. I checked the Equifax site and was told it was likely my information was exposed. 

I was not notified by the company, but instead had to go look for the information myself. 

The breach is inexcusable and places my identity and credit at risk. 

I have since tried to freeze my credit with Equifax, but found out that anyone with certain information ( ie SSN ) could unfreeze my credit with Equifax. This is beyond the pale of incompetence.
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: Experian Information Solutions Inc. (GA)

Attempted to remove old addresses and addresses where I never lived from my Experian credit report. I was told that several accounts were connected to accounts and they refuse to remove aforementioned items. The addresses are : 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
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. (PA)

The breach Equifax reported Thursday, is, very possibly is the most severe breach of personal information. By providing full names, Social Security numbers, birth dates, addresses, and, in some cases, driver license numbers, it provided most of the information banks, insurance companies, and other businesses use to confirm consumers are who they claim to be. The theft, by criminals who exploited a security flaw on the Equifax website, opens the troubling prospect the data is now in the hands of hostile governments, criminal gangs, or both and will remain so indefinitely.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union continues to report a balance on a negative item that is 10+ years old. 
This item should be removed all together from our report. The balance should be XXXX and the trade line removed all together as it is over 7 years old. We are 2 weeks away from closing on a loan and this item ( showing a balance ) is reported to Trans Union only and is causing us a debt to income ratio issue. It should be removed right away and we need written confirmation to provide our lender. URGENT REQUEST
Consumer complaint received 2016-06-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NC)

I completed a debt consolidation loan and had a check sent to Citibank. The funds were credited to the incorrect account. I contacted the company and requested the funds be found and applied to the correct account. Was told that I need to send in the information showing they were cashed. Told them I can email right now. Was told they do n't accept emails. Asked for a supervisor who stated the same thing. I asked how I could get them the information to prove they messed up and was told I needed to fax or mail the information. I said that was unacceptable, and asked where I could file an executive complaint and was told that i would have to mail that as well. Asked if I file a complaint with the CFPB if that would get their attention and the SUPERVISOR stated he did n't know who the CFPB was.
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AZ)

Hello, I would like to lodge a complaint regarding all three major credit bureau 's ( Experian, XXXX, and XXXX ). Looking over my credit reports at the beginning of this year I was worried by some of the problems on my credit report that I feel is inaccurate and false information and should not be on my credit reports. I then began investigating information on the Fair Credit Reporting Act and started sending off certified letters to each of the credit bureau 's. Each time I have requested complete proof from each of the bureau 's, all they could say was that the accounts have been verified and would remain on credit report. This is still violating Federal Law and now I seek litigation in regards to these responses and would like this handled promptly. I asked that I could see a copy or be provided a copy of the " original SIGNED consumer contract '' with my signature on it in order to be tied to those accounts. I will not take all the bureaus ' words for it and allow them to verify through the creditor 's word. 
After receiving the second letter from Experian stating that they will not re-investigate the accounts due to already being investigated once and talking to Experian over the phone and not getting anywhere in the results I am looking for, I then began looking for a way I can get this properly executed and resolve my issue. What the Bureau 's are doing is not the proper way of completing an investigation especially if I can not see proof of their investigation that shows they have obtain or seen a consumer contract with my signature on it. It is already past 30 days for all of the credit bureau 's and they have not followed the Fair Credit Reporting Act to the " T '', which includes not verified accounts needs to be removed immediately and I feel I am getting no where. Please I would like your help in following up with my complaint and get this resolved for me. I was having a very hard time trying to get into another vehicle and now I am stuck in a really high interest and high payment because what is weighing my credit down is accounts that are n't even mine that are on my credit report. Below I have attached documents or letters that I have sent to each credit bureau of everything that is unverified on my credit reports and also pictures of certified receipt 's showing the dates ( NOTE : I will submit this complaint 3 times, for each bureau, and include each separate attachments ). In the letters, the second page of each letter is a section that I have signed and have had the notary at my bank notarize the letters to show that I am who I say I am. Please review the attachments and please help me resolve my complaint promptly. Thank you. 

P.S. I was n't too sure what bullet I was suppose to choose that " describes my issue. '' So I chose what I feel this issue would fall under best.
Consumer complaint received 2017-09-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

On XX/XX/XXXX I sold {$200.00} worth of XXXX in Coinbase and chose the " Instant '' sell option to send my payout money ( {$200.00} after fees ) to my XXXX account. I received a confirmation email that my sell of {$200.00} XXXX had started and the " estimated payout '' would occur on XX/XX/XXXX. I  checked my " History '' in my Coinbase account and that particular transaction says " COMPLETED. '' It is now XX/XX/XXXX and I have not received any payment from Coinbase to my XXXX account. I am growing alarmed because I have no idea where my money is. Coinbase does not provide clear information on this issue, their customer support XXXX is XXXX, and they do not provide customers with a tool or update to track the money. 

Would like to know where my money is, why I have n't received it yet, and when I can expect it to arrive. 

Thank you.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

My personal information seems to have been mishandled which puts me and other consumers at risk ( XXXX XXXX XXXX ) .I am listed as a potential victim according to their equifaxsecurity2017.com website. Furthermore, according to the above article, the breach was discovered on XX/XX/XXXX, and several Equifax executives sold their stock in the next few days ( although indicating this had nothing to do with the information breach ). However, I was not notified until this point through my own investigation ( XX/XX/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. (IL)

My personal information was included as part of the Equifax security breach, made public on XXXX-XXXX-2017 ( www.equifaxsecurity2017.com ). Equifax has mishandled my personal information and the information of millions of other people. In response to this security breach I am placing a credit freeze via all three major bureaus, at a cost out of my own pocket. Equifax is merely offering fraud alert services to affected victims, which does nothing to stop fraud and merely alerts people that Equifax 's lack of proper information handling is now affecting them. Equifax should offer free credit freezing to all affected victims and reimburse any victims that have paid for credit freezes out of pocket.
Consumer complaint received 2016-06-26
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Financial is taking extra payments that are being made and not applying them properly. They make it difficult to pay extra payments on promotional balances. They have also " made up charges '' that they have applied to my account that I continually have to call and get fixed. They can not tell me what these charges are. I have had to call weekly and argue with them on applying extra payments to my promotional balances and they continually do it wrong.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion consumer reporting company violated XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies XXXXXXXX XXXX XXXX XXXX XXXX  ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full and on time and never late. You are showing late payment history on an account that was never late. Please remove the late payments from this account because it is inaccurate. The account was paid, and the creditor did not report accurately. 
XXXX. XXXX XXXX  ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was settled and should not appear on my credit report as owing a balance. You can not report a charge off when an agent of the creditor accepted payment for this account. Please provide written information XXXX XXXX  stating they did not accept payment in full for this account. 
XXXX. XXXX  XXXX XXXX Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid in full as a chargeXXXXoff is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm this account was paid in full as agreed. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid in full as a chargeXXXXoff is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm this account was paid in full as agreed. 
XXXX. XXXX XXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid in full as a chargeXXXXoff is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm this account was paid in full as agreed. 
XXXX. XXXX XXXX XXXX XXXX  XXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language Charge_off to describe a paid in full as agreed it damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm this account was paid in full as agreed.