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. (TX)

On XXXX XXXX, 2017 Equifax exposed my sensitive financial information via a data breach on their servers. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, Equifax said. Upon learning of the breach i used Equifax 's own website www.equifaxsecurity2017.com to verify I was a victim.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My information has been compromised as a result of a data breach of Equifax. The exposure of my Social Security Number is an extremely serious offense and I deserve to be fairly compensated for the possible identity theft.
Consumer complaint received 2017-09-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pono Ventures Inc. (HI)

Harassment at my workplace ' telling my employer it 's a urgent matter. Collector come to my place of work. Not introducing who they are and who they work for. Leaving a phone number to call immediately. They said they work for XXXX XXXX court and court Summons me. Telling me that ' they will come to my house so I can receive the court letter. And no one will be able to receive it but me.This is the first time they had contact with me and a lot of harassment happen. I almost got fired my work. 
First contact XXXX haole lady went to my workplace in the morning Second contact XXXX/XXXX/XXXX a man pretending to work for state court XXXX pm Third contact XXXX/XXXX/XXXX harassing me to pay the debt ' without me looking to such matter. 
Too much for one day '
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. (FL)

I am a victim of the recent Equifax security breach. In this breach, I have lost, at minimum my address, driver license, SSN, and birth date. I am learning of this today, at least two months after the breach happened.
Approximately one month ago my online banking access was stolen and several transactions were made before I was alerted. The perpetrator 's had used my SSN to change my online banking password, created an account to transfer my money into, and initiated transfers from my own bank account to theirs. The only way to commit this type of fraud is to use the victim 's social security number. This happened on Friday night. Because of my bank 's policies, I could not access my account until Monday. On that Monday I had to withdraw everything, and file a report. I had to close my account and change all of my banking information for all of my bills. I ended up leaving the bank I had had for more than 7 years because I believed it was a problem with their own security that caused this incident. I ended up being one or two days late on several payments due to the timing of the fraudulent activity, and it has since negatively impacted my credit score. 

I realize now it was not my bank who was at fault, but Equifax, who decided to just now make this breach information publicly available. My bank still has not resolved my fraud claim.
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)

A security leak affecting Equifax rendered my financial information potentially vulnerable to use by criminals who may steal my identity. There is nothing I can do to ensure that my social security number is n't used by someone years from now to steal my identity.
Consumer complaint received 2017-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Atlanticus Services Corporation (CA)

In the month of XX/XX/XXXX I opened a new account with fortiva credit card for a {$400.00} credit limit in the same month I went over my limit and immediately made a payment to get the over limit payment down. In the same month of XX/XX/XXXX, Fortiva closed my account and put my card in collections. I understand I went over my credit limit but they were unable to answer why I was put into collections even though I made a payment.
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)

After the cybersecurity attack on Equifax I learned that I am a victim of the attack and my info has been shared with unauthorized 3rd party people. I used the online tool provided here http : //www.equifaxsecurity2017.com/ which gave me the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident ''
Consumer complaint received 2019-12-04
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. (LA)

I have disputed accounts listed on my credit report with Equifax. I have sent certified letters for tracking purposes. I sent a letter in dispute of listed accounts of XXXX, XXXX XXXX XXXX, and XXXX XXXX. I had requested verifiable proof that I owe these debts to these companies ; I requested copies of the original consumer contract with my signature on these contracts showing that I owe these companies these debts. I have asked for first and last names of the end users at Equifax that have been working my file. I have provided sections of the FCRA proving I am entitled to all the information that I have requested. Equifax has failed to supply any of my requests. On XX/XX/XXXX, I sent a certified letter to Equifax ( XXXX ) and as of XX/XX/XXXX, they have not responded. I sent a follow up letter on XX/XX/XXXX XXXX XXXX ) stating they must remove all accounts that have been disputed due to a non response within 30 days of the dispute. Equifax still has not responded. I am demanding these derogatory accounts be removed immediately due to continuous, multiple violations. 

Who performed the independent investigation? How did they come to the conclusion that the debt is valid? Explain exact methods and how the " reasonable investigation '' was conducted.
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. (KY)

I am trying to refinance my mortgage, and have learned that my personal information has been compromised by the Equifax hack. This hack has jeopardized my chances of having my refinance approved and hurt my chances of getting rate I deserve.
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. (VT)

The databases of the Equifax Credit Bureau were breached at some point ( presumably shortly ) before XXXX XXXX, 2017. The bureau refrained from alerting to the breech for nearly two months, and the executives of the company dumped stock, indicating that they knew the impact that it would have on their company. My PII ( personally identifying information ) is believed to have been compromised in this data breach, and my identity is now subject to theft and abuse by an unkown number of criminal parties.
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. (MD)

I have found myself to be part of the hack involving 143 million consumer records that were taken from Equifax. The company has mishandled this data and allowed the identities of everyone involved to be at risk for the rest of their lives. For the foreseeable future it will now be necessary for myself and many others to consistently check our credit reports, handle potential identity theft, and more while incurring the full cost of time, money, and anything else that may come up. 

I have already had two credit cards compromised during the time of this incident and can only hope my other accounts are safe.
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. (NY)

Equifax Inc. recently disclosed that its systems were struck by a cyberattack that may have affected the credit information of 143 million US customers. It was announced that intruders accessed social security numbers, birth dates, names, addresses and driver 's licence numbers. Equifax also provided an online website for customers to check if they are affected. Based on the information provided there, I was told that I may be among the affected customers whose information was improperly accessed by the intruders.
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. (OH)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, and possibly more resulting in a data breach in XXXX/XXXX 2017. They confirmed that I was affected by their " Potential Impact '' site www.equifaxsecurity2017.com They have put myself and millions of others at risk of identity theft/fraud.
Consumer complaint received 2018-09-03
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: EQUIFAX, INC. (MI)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX   XXXX : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance:XXXX
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX promised transportation and housing while I attended school. That never materialized. When I became XXXX   they told me that I could no longer be on XXXX which meant that because of my XXXX I couldn't finish the school no matter if I tried because I wasn't allowed on the XXXX because of insurance. Now they are reporting the payments as in collection when made arrangements to pay the payments. 
They have reported the student loans multiple times.
Consumer complaint received 2018-08-31
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flatonia Investments, LLC (PA)

I bought my house in XXXX of 2018. It was an FHA XXXX. I paid XXXX for the house and was given XXXX in seller assist. Total of XXXX. My mortgage person, XXXX XXXX, referred a contractor for the renovations. JC construction that charged me XXXX. My mortgage should be for XXXX but it is XXXX.When I asked him at closing about the difference he said that XXXX XXXX ( the XXXX lender ) adds a percentage to the contractors estimate just in case it is needed. I later find out that it was only 15 % of the XXXX. I was also told by XXXX XXXX that my loan didn't close as an FHA mortgage even though I had to do an FHA XXXX because of the condition of the house. I have reached out to XXXX many times. I finally got a call back after I called his office manager XXXX. Then I got XXXX 's assistant who had no idea what was going on. {$9000.00} is a lot of money over 30 years and I'd appreciate some help in getting me these answers.
Consumer complaint received 2018-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My checking and savings account was closed by CapitalOne 360. The relationship has ended and I had been calling to find out why and where my funds were. I place a recent report with CFPB and I received action only after I made the report. Funds from my saving account were returned to me by check, however, the funds in my checking account are still in the account. My fiance used my account to receive funds not realizing that that was not permitted. I have be requesting that the funds be returned to the remitter, since I am not allowed access and it has not been done yet. In fact, Capital One 360 has been removing small amounts of the money from the account. The amount was {$500.00} today it is {$380.00}. I received a letter dated XX/XX/2018, stating the money would be returned but as of today XX/XX/2018, they have not. I have left several messages for the person named on the letter, to no avail. Could someone please instruct Capital One 360 to return this money to the depositor as they stated they would? 

Thank you, XXXX XXXX
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc. (UT)

North American Recovery is reporting on my credit report for a very old debt that was actually paid by my insurance over 6 years ago. This is erroneous and I have been disputing it and nothing has been done. 
The bureaus and NAR are reporting inaccurate information that is old & past the statute of limitations as well as it was paid already by insurance.
Consumer complaint received 2017-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I received a debt collection letter from I.Q. Data international, Inc. for an apartment that I recently moved from. This came as a surprise because the manager at the apartment made no attempt to inform me of any of this. I immediately disputed the debt because the charges were outrageous and I left the apartment in a good clean condition. I have been speaking with a particular person named XXXX from the company and thought that they had started their investigation to validate any charges. I have been providing documents and papers to back up my dispute. On a prior phone conversation that took place around XX/XX/XXXX XXXX stated that in order to keep my account from being active in collection I needed to provide him with a card number. He also said that my card would NOT be charged if I called back by the XX/XX/XXXX to follow up on the dispute. I did call back on the XX/XX/XXXX to follow up and was still disputing the charges. dispute. I did call back on the XX/XX/XXXX to follow up and was still disputing the charges. Today on XXXX XXXX, 2017 I received a call from XXXX stating that I.Q. Data International , Inc. would be sending out the itemized list of charges they received from XXXX XXXX Management. He asked if I wanted to make a payment toward the debt and I said No. Multiple times. I stated that I was not going to pay this debt because the dispute was still ongoing and I did not believe the charges to be valid. ( The apartment lumped the fee together as " full paint and carpet {$890.00}. '' ) I was told to hold and was transferred to another person. This time a lady who treated me horribly and kept asking why I was n't paying my debt when I owed it. I informed her that it was being disputed and that I was not going to pay it when I did not believe the items being charged were valid. I also informed her that there were deposits that the apartment did not return to me or apply to the supposed debt, and for this reason I was still disputing. The lady kept saying that it was going to go on my credit if I didnt pay and again I told her the same thing. I will not authorize charges to my card because I dont believe the debt is valid. Without my authorization, {$710.00} was attempted to be pulled from my account. Thankfully my bank blocked the charge. Phone calls are recorded with collection companies and at no point in the conversation did I authorized them to charge my card. I specifically told them that I do not authorize them to charge it and they still attempted to do so.
Consumer complaint received 2018-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I apply for a credit card with capital one I have excellent credit and my credit score is almost 800 And I have sufficient income to apply for the credit card. for some unknown reason they declined my application I believe that my application was denied because of my race and national origin since there were no other reason given for my denial thank you.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018 I secured an auto installment loan to finance a used car at the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL ). 
Upon checking my FICO credit scores shortly thereafter, I was surprised to find that they had plummeted - from XXXX to XXXX. The only credit score factor that led to this drop was the number of hard inquiries, reported to be 5. 
I am concerned about these 5 reported hard inquiries for several reasons, chief among them that ( 1 ) when trying to secure a loan such as an auto loan there is usually a short window of time within which all hard inquiries are counted as a single inquiry, thereby minimizing credit score impact, ( 2 ) I did not authorize this many inquiries, and ( 3 ) I am naturally wary of potential identity theft.

How could it be, I ask, that a relatively good consumer like me see her excellent credit scores plummet virtually overnight by simply seeking an auto installment loan? 
It is my sincere wish that the CFPB assist me in unraveling this perplexing matter. 
Thank you, respectfully.
Consumer complaint received 2018-09-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (NY)

In XX/XX/XXXX I received a letter stating that I owed a XXXX bill from my old telephone/tv service account as an early termination fee. I did not terminate service I merely moved across town and kept the service, they would not resolve the debt and it was in the hands of Eastern Account System of Connecticut. At that time, I made a payment of XXXX. The remaining balance I did not pay, it was a complete oversight. I DID NOT receive a reminder call, letter or email. I sold my house and am in a new home, I am a widow and mother of XXXX  seniors going to college, I would have expected a little understanding with my situation. I am financing my new home now and a collection debt for XXXX is on my credit report lowering my rating dramatically. I called up the company, I made another {$25.00} payment and said I would like to settle this account, the balance is XXXX, I told the agent " XXXX XXXX '' XXXX ext. XXXX, I would like to pay it in full, she was rude and said she was not going to remove it from my credit report, I can pay it but her company DOES NOT remove negative or derogatory remarks from credit reports. This collection agency " Eastern Account System of Connecticut '' did not follow up with me, they DID NOT make any attempt to clear this up and when I am now trying to resolve this matter, they will not remove the negative from my report, lowering my score 30 points! I am trying to move forward and this company is abusing its power and is not working with consumers for a positive result, they appear to be against the consumer and on a mission to ruin people 's credit scores regardless of whether they pay or not.
Consumer complaint received 2018-08-31
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. (TX)

As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX  XXXX   {$560.00} XXXX XXXX XXXX {$610.00} XXXX  XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}
Consumer complaint received 2018-08-31
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CASHCALL, INC. (CA)

They have been calling me at my workplace repeatedly and I have contacted them several times telling them that I can not take personal calls at work and that they should stop calling my workplace. 
This occurred 9 times in XXXX of 2018.
Consumer complaint received 2018-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (IA)

Credit management, Added a debt t my credit file, but I have not received any correspondence for me to verify and establish his debt as a verifiable debt. They added to report when they new i never new about a debt that I have previously paid and closed out with XXXX. Per, Fair credit reporting I have this right, and to add to my credit report like i don't want to care of a deb shows tactics that are not in fair crediting reporting act,