davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax did not do their due diligence to protect my credit information, and their systems were compromised for at least 2 months in summer of 2017. I am among a list of millions of Americans who are likely affected by this data breach. I am freezing my credit to prevent potential damage, but I ca n't know for some months if any damage was done before my actions.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have contact companies to have unauthorized inquiries removed XXXX XXXX XX/XX/XXXX XXXX  /XXXX XX/XX/XXXX XXXX XXXX /XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I was unfortunately one of the ~143 million accounts affected by Equifax 's data leak that occurred in XXXX XXXX  2017. I obtained this info by verifying via the Equifax site set up for this ( https : //www.equifaxsecurity2017.com ).  Without knowing for certainty the extent of information leaked, I assume that my SSN, DL, DOB, address, credit card info and more were leaked and obtained by third-parties for fraudulent use. 

The manner in which Equifax has handled the situation - especially the creation of a non-arbitration clause to a meager 1-year identity theft service they administer, is shameful and nefarious.
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. (AK)

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. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly 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.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

I have contact companies to have unauthorized inquiries removed XXXX XXXX XX/XX/XXXX XXXX  /XXXX XX/XX/XXXX XXXX XXXX /XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX& XX/XX/XXXXXXXX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-09
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. (WA)

Equifax security breach exposed my personal information which I never authorized Equifax to possess and will cause me unrequested hardships in the future as I will need to be cognizant of potential misuse of my information for tens of years into the future.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

Equifax did not provide the proper level of security to protect my consumer credit information from being stolen. In addition, Equifax did not notify me not only in a timely manner, but have yet at all to notify of this breach to this day, XXXX XXXX XXXX, when the breach happened from mid XXXX through XXXX. I 've found out through the media and confirmed I was effected through their website. They offer an unacceptable compensation of 1 year free monitoring when I now have to be concerned for far beyond a year.
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. (MT)

Between XXXX and XXXX, a data breach at Equifax caused my personally identifiable information to be exposed to criminals, including name, date of birth, social security number, address and possibly my driver 's license number. This is not only the information used by lenders, employers, social service providers ( HUD housing, SNAP, etc. ) to verify my identity, but also the exact information required by Equifax in order to request a credit freeze and presumably take other actions regarding data in my credit report. Equifax has not only exposed my identity, but the only ways I have to verify myself to them in order to protect myself. I am very lucky that I had the tools and knowledge to place a credit freeze myself quickly, hopefully Equifax will require additional information from anyone who might contact them claiming to be me to ask for a new PIN to unfreeze my credit.
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)

On X/X/2017, I went on www.equifaxsecurity2017.com. I was notified that I may been impacted by the recent hacking incident to Equifax. I am aware that hackers might have my Social Security number, my birth date, my address, and my drivers license numbers.
Consumer complaint received 2017-09-09
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. (CA)

Thursday XXXX XXXX I logged on the XXXX website to see If my personal data had been involved in the hacker security breach. Clicking the " Check Potential Impact '' button automatically enrolled me in TrustedID XXXX. I was not given any option to decline this service and I did not agree to this. I do not want this service.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

" 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 2020-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (IL)

Background : Cash App advertised a boost or credit of {$5.00} that can be used on any purchase This boost is automatically unlocked after making one purchase at XXXX Once available, the boost must be selected in app prior to making a purchase in order for the credit to apply For locked boosts, the unlock process is automatic after a qualifying purchase and does not require anything to be selected at anytime - in fact, its not possible. 
Only when using a boost does it need to be selected in app, prior to use towards a purchase. 


Problem : I made a qualifying purchase with XXXXXXXXXXXX  on XXXX/XXXX/2020. 
The boost was not unlocked automatically, so I contacted Cash App email support for assistance. 
Multiple Cash App support representatives have replied, incorrectly telling me that the boost wasnt selected at the time of purchase and that is the reason the boost is still locked. They have refused to correctly identify the problem, fix the issue, and unlock the boost.
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)

Equifax has mishandled my information. This information includes my Name, Social Security #, Address, Birthdate, etc. resulting from a data breach in XX/XX/XXXX/XX/XX/XXXX, which 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.
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 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax failed to take even basic and rudimentary security steps to secure my data that would be commonplace even 20 years ago. 

Kept all of my information in the same database so that 1 key works for the whole kingdom and now my ssn, dob and address are all up for grabs to whoever wants them.
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)

During XX/XX/XXXX to XXXX 2017, Equifax was the victim of a cyber attack that resulted in over 140 million sets of personal identification stolen, including my own ( as reported after I enteredy information in at " www.equifaxsecurity2017.com ''. After examining the reports publicly available regarding the attack, it is very likely that the atrack was facilitated in large part by the negligence of Equifax to properly secure the aforementioned personal records. Their negligence means that I must now monitor my credit at a far more frequent level than is typically necessary. 

Furthermore, because of the nature of the information stolen, applying a credit freeze at the three bureaus ( Equifax, XXXX, and XXXX ) may be ineffective. This is due to the fact that a new PIN number to un-freeze the credit can be obtained by submitting the very information that was stolen.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (NC)

In a previous CFPB complaint, it was found to be true that my account with Comenity was in fact settled as I shared in my complaint. In Comenity Bank 's final response they stated that they would have the account removed from my credit files which they have yet to do so. The account was bought back weeks ago from XXXX XXXX. I filed a dispute with the credit bureaus and included a copy of the final response. Comenity Bank replied back that the account was supposed to be updated and not deleted and only provided updated account information versus removing the report from the file so XXXX  had no choice but to honor what Comenity Bank stated and leave the account on the report. This account was supposed to be removed and it was not.
Consumer complaint received 2015-07-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MI)

I called my car loan company on XX/XX/XXXX ( due date is XX/XX/XXXX, but I worked a lot that day, I am a nurse, I ca n't stop to make personal phone calls ) to ask for one month deferment ( I was never late with any payments since I got the loan, XX/XX/XXXX ). The man who answered promised that he approved XXXX time deferment as long I pay a XXXX dollars as a fee ( was very evasive, rude, hostile, condescending, but told me that in the loan conditions the consumer can get XXXX deferments, XXXX each year, later I was told different from another employee, that the deferment can be taken even two months consecutively ), the employee XXXX, ID XXXX took a XXXX debit charge ( said that it was a fee for the deferment ), but did not do the deferment ( I found out on XX/XX/XXXX when the company called me ( I talked to XXXX, ID XXXX ) to tell me that I am late paying my monthly payment. I told them what happened and they said they will fix the issue, do the deferment and just call next day and check. I did called next day, XX/XX/XXXX and the initial employee ( XXXX, ID XXXX ) who took the XXXX dollars payment answered. It was still not taken care of. I asked him how come he did not do what he promised, the deferment. His answer : " I do not know what happened ''. I believe that he deceived me initially to cause me to lose my car, so Wells Fargo Dealers Services can collect the loan AND the auction value of my car. 
I have a letter dated on XX/XX/XXXX sent to me from Wells Fargo Dealers Services that says that I made a payment of XXXX dollars, no mention of deferment. So XXXX, ID XXXX deceived me. Never had the intention of defering any payment.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have been trying to obtain a mortgage discharge for an old paid off mortgage and Citizen 's Bank ( formerly RBS Citizen 's has repeatedly lied about taking care of this. They first promised two weeks, then thirty days, then more time. They are holding up the sale of a property. State law here in Massachusetts requires them to respond in thirty days. 
After a loan is paid in full the bank is obligated to issue a discharge. As this is not a profit center the bank is not providing staff to meet its obligations. 
I am an attorney representing the buyer. The seller has had no success going into the branch and asked me to help. I made a written request for a discharge in XXXX. If I, as an attorney, can not get a discharge, imagine how frustrating this must be for peo
Consumer complaint received 2023-08-10
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2016-03-20
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (VA)

XXXX XXXX XXXX XXXX Va XXXX Dob XXXX/XXXX/XXXX SS # XXXX XXXX has agreed to remove the unauthorized inquiry from my XXXX credit profile franklin America XXXX/XXXX/XXXX YOU Have MY ID Attached so do n't play that game of we do n't have your id on file you also have my utility bill you have my drivers license attached
Consumer complaint received 2015-05-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Dealership Services has not sent the credit bureau 's information saying that my loan with them has been paid off. I have been disputing late charges that they think I accrued to the amount of {$390.00}. I have paid the principle of my loan off and they are holding my title because they think I owe them Late Charges. On top of it they are telling the credit bureau 's that I still owe {$1.00} and now have been given a 30 day and a 60 day late charge on my credit. Is this legal? 
I have been unemployed for the last 6 weeks and I am applying to government agencies that look at credit reports. This could and may effect my hiring with an agency. Every time I call the person says they can not help me, then they transfer me to someone else that says that they can not help me, and then I reach someone that said he would call me back and never does. The last person that said that was from the number XXXX XXXX ( XXXX ). 
I do n't believe I owe the amount of Late Charges and I have called to negotiate but the people I keep talking to say they do not have the power to do so and will not let me talk to someone that has the power. I have paid my car off, I deserve my title, and my credit should not be affected by so called Late Charges they are accusing me off. 
I have attached my bill for this month of XXXX for you to review. In the description box it says I owe {$390.00} for Late Charges, Current Payment Due {$3.00}, and my Loan Balance is {$1.00}. I DO NOT owe anything on my loan, it is paid off, they are lying. 
Please look below the Description box and it says in bold, " The Total Payment Due includes Past Due Amount of {$0.00} and Late Charges Accrued of {$390.00} due immediately. I have no past due amount yet they are saying I owe a dollar at the top. My loan is paid off and they are ruining my credit to try and get me to pay them fees I do not believe are correct at all.
Consumer complaint received 2016-11-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (GA)

I do n't know what happened to my account I had money in and after I left my job I went back to school. I looked into my account and it was negative I do n't see how and I had at least XXXX dollars in it I never got an explanation saying why. It was closed with a negative balance.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX approximately XXXX my hotel room door was kicked in and I was assaulted. My Laptop, cell phone and wallet was taken. The XXXX XXXX was called and they took a crime report # XXXX. I tried to report my Credit & Debit cards as stolen to the bank USAA but they did not open until XXXX. So at XXXX XXXX I reported both cards as stolen and gave them the crime number but they did not seem interested in it. I have been calling for oveXXXX XXXX  months demanding my XXXX back. I informed them they only had 45 days to investigate. They just don't seem to give a XXXX that I'm a XXXX XXXX XXXX Vet who is on XXXX  XXXX from XXXX  and XXXX  and XXXX XXXX. I receive only XXXX XXXX a month and can barely pay for my meds, eat and bills. I have escalallted this all they way the the CEO level agent, but to date my account is NSF and my family, cant even send me money as these charges will eat them up. On XXXX My Checking and Credit card were in perfect standing. Now USAA has Embezzled my money. I entrusted my money in their care, they refused to give it back and they have made money off my money. I dont give a XXXX if its .0001 % on their scale. When I was a XXXX  I arrested people for these charges. I want my money back and accounts placed the way they were. The moment I reported the crime, my liabilited stopped at XXXX XXXX  on the XXXX.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

There are incorrect addresses reported on my credit report. My home address in XXXX XXXX is correct. I have lived in XXXX for the past 16 years. However the address in XXXX XXXX is my sons address. It is not mine.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC. (FL)

Reporting information on which I have Never requested,,,, in which impact my Credit and Score. I have sent letter on this issue to be eliminated asap from report and they ignored. 
The company are : XXXX XXXX XX/XX/XXXX2015XXXX XXXX XXXX XX/XX/XXXX2015XXXX XXXX XX/XX/XXXX2015I have not given authorization none of this Company.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (IL)

on XXXX i enrolled in XXXX to check my credit.And on that date i found a credit card that was not mine, but on my account.So i called XXXX and asked them what this discover credit card is doing in my account.They told me that there was a discover card issued to a XXXX using my social security number on XXXX at the address of XXXX Il. XXXX.That was my sisters address which she had used my social security number to get this credit card.She did it in the past to me XXXX other times.Plus she even got a XXXX Il . XXXX.I called discover and gave them the credit card number of XXXX.They in turn did not investigate on that they investigated on my legal XXXX i have that i did not even use.The discover card that my sister got is still in use.My sisters name is XXXX, but she goes by her maiden name of XXXX.I want discover to close this account and investigate, but they will not.They said XXXX must be wrong.XXXX told me they are not wrong that is the information given to them by discover.I have copies from XXXX showing this.I send discover all the information and my identity, but they still refuse to do anything.Please help me out because i want to have my sister arrested for this so she stops.