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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Equifax 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. 

Further, it is time for legal regulation change. The credit reporting organizations collect far too much detailed data which is not necessary for their function. We need to demonstrate we can meet and exceed the XXXX and as it pertains to credit bureaus. With this level breach all social security number should be wiped and move to a different unique identifier if one truly has to have a unique identifier to calculate a score for a segmented range of values, but I digress.
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 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. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Hello, After the XXXX  data breach, I used the XXXX  website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, XX/XX/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, XXXX, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX - {$5.00}, XXXX - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!
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: Experian Information Solutions Inc. (CA)

XXXX mishandled my information which has led to a breach that puts myself and millions of others at risk. I am extremely disappointed with how XXXX has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax carelessly handled my data, which was part of the recent hack. I 'm disgusted that such for-profit companies are allowed access to some of my most vital data, and that to be a functioning adult in society I have no choice but to yield my data to them. Shame on them for not taking better measures to protect consumers. Shame on our legislative bodies for not divising a modern system to replace the antiquated social security number. I urge you to hold this company accountable for their actions. The harm they 've done is immeasurable. Those in charge need to be in jail for a long time.
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 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. 

Now it is costing me hours of my time and money to freeze my credit report -- and I will need to continue expending this time, money, and energy to freeze and unfreeze these reports for the foreseeable future. In particular, I have STILL been unable to retrieve a credit report, set up a fraud alert, or freeze my credit with two major vendors ( Equifax included ), despite trying for hours.
This is an undue burden from a company I have never chosen to do business with, as they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am  compensated for their negligence and that something like this does not occur again.
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. (NJ)

Recently Equifax reported that its system was hacked affecting millions of Americans. The company, whose investors made millions, is offering only a minuscule compensation that too which costs it nothing - free credit monitoring. I believe that it 's is really a slap on consumers face since we do n't have a choice as to who monitors my personal financial information. They must pay $ $ $ in compensation. They must be fined by the agency as th solution does not fit the crime.
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)

This complaint is in regards to Equifax 's recent security breach. Upon checking XXXX, I was informed that my information may have been " compromised. '' Because of this security breach, my social security number, date of birth, full address, and potentially driver 's license and credit card numbers have been stolen ; I must assume that my information is now public data. I am at immediate risk of becoming a victim of identify theft because of Equifax 's negligence.
Consumer complaint received 2017-12-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (GA)

I requested original bill from said hospital. The company trying to collect sent me one. On the bill is says amount due XXXX .... On a piece of paper from collection company. They tell me to ignore what is on original bill from swift emergency. If the Bill says I owe XXXX. How can they create a random amount and attach to my credit report.
Consumer complaint received 2017-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

yes i walked into a branch at bank of America to open an account. They ran my social security number and stated they can not open an account or even override it because my account is showing by security as closed for fraud of identity. I never had this issue with BANK OF AMERICA. so I requested the branch manager they contacted the security dept which in hand stated they have no account previously showing with me at allbut someone put a block for an unspecified reason on my name and social security
Consumer complaint received 2017-09-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (TX)

I have a mortgage loan with BMO Harris Bank. On my XX/XX/2017 loan statement, I noticed that the amount I 'm paying over the regular payment amount due is all of the sudden being applied to the following month 's regular payment. Up to this point, anything over the amount due was being applied to the principal. 

I 'm trying hard to pay the principal down as fast as I possibly can to reduce the interest I 'm losing. My reg payment is {$310.00} ( roughly {$240.00} principal, {$69.00} interest ), but I recently starting paying {$800.00} each month through auto bill pay with my bank ( XXXX ). 

I called BMO and asked why I see two regular payments and one curtailment related to my XX/XX/XXXX payment of {$800.00} and I 'm told " there was a policy change. '' BMO now takes what was the curtailment amount and applies it to the next month 's regular payment ( which includes interest not yet accrued ) if it 's equal to or greater than the regular payment amount due. 

Then, I asked to change this configuration/setting/preference back to the way it was, and I was told it 's not possible. I was told I 'd have to call in every month to tell them how to apply the payment ( all overage to principal ). 
*My bank does n't allow me to send a memo with my payment that would designate how to apply the payment, and BMO 's online banking will not allow me to designate that either. I was told I could use chat or call in if I wanted it changed. 

Though the rep said this was a policy change, I 'm wondering if BMO ran analysis of some kind and discovered that I had increased my monthly payment which prompted them to start using my money without my permission so they could milk every last penny out of me by gaming the interest when they delay my payment to the next month? 

I asked the rep to submit a complaint stating the change is unethical and immoral. I believe this practice is an attempt to exploit consumers and manipulate the system to BMO 's advantage, even if it 's a few cents at a time.
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. (WV)

Equifax carelessly mishandled my information, opening themselves up to a breach that has placed myself and millions of others at risk of having our identities stolen. 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 notice and only became aware of this from articles shared on social media.
Consumer complaint received 2017-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I was one of the impacted consumers of the Equifax data breach announced on XX/XX/XXXX. On Equifax site I am informed I am one of the potentially impacted consumer and when I tried to enroll for the free TrustedId program for those impacted by cyber security breach, I am informed I am already enrolled with am effective date of XX/XX/XXXX. Tried reporting the issue over phone to the contact center, and failed to take a complaint or registering the reported incident, and was redirected to the site where there is no additional means to report the issue. I repeated that I am very concerned that somebody with my information has enrolled but Equifax said there is no way they could do anything on that.
Consumer complaint received 2017-09-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

I was charged " discount points '' on my loan without my permission or request. Fortunately I read the final paperwork and cancelled the loan, Also the fees for the loan were much higher than market rates. 

Date was XX/XX/XXXX and the amount was {$3000.00} for the points. Company was Quicken Loans
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 with product or service terms changing
Company: EQUIFAX, INC. (CA)

I am listed as one of the potential victims of the Equifax breach. I was a victim of identity theft, several years ago, and have used this product with the assumption that I will never have to live through the nightmare of identity theft again. I am very concerned that the product is no longer effective. I am even more concerned that this is effecting children, whose parents, guardians, or foster care service providers have placed a freeze on those children 's credit. A breach of these kids ' identities could go unnoticed for years, without anyone knowing about it, and their credit could be ruined. I am also disgusted to hear that shareholders in the company had warnings that customers did not. This type of behavior by a corporation should not go unpunished, especially when people 's lives can be utterly ruined by identity theft.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (NC)

I was on a XXXX XXXX from XXXX XXXX until XXXX XXXX. I submitted my XXXX Orders to AAFES via mail in order to request and receive the XXXX Benifits on my Account. The Exchange Credit Program offers XXXX benefits to all eligible XXXX XXXX and Mobilized or Activated Reservists or XXXX XXXX XXXX Members who have valid orders to deploy to qualifying contingency locations. While I was XXXX, I would still be able to make purchases, but I would not be required to make monthly payments and my interest rate should have been temporarily reduced to six-percent ( 6 % ). After my XXXX ends, my interest rate reverts to the rate in the current Exchange Credit Program XXXX XXXX and I would be required to make monthly payments as long as my account still has a balance. I contacted AAFES every month about this issue, and have continued throughout the duration of my XXXX and every month afterwards via mail, and email. This caused a significant financial stress, and caused me to fall behind in my other bills because I was not anticipating to have to make the monthly payments for the entire year of the XXXX XXXX.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-09-10
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)

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 through the newspaper. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. This service should be provided for life, not one year which Equifax is currently offering. 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 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MA)

I received notice on X/X/17 that Equifax experienced a data breach and that my personal information may have been affected. The notice informed me that I am eligible for 1 year ( 12 months ) of free credit/identity fraud monitoring. This is insufficient. If I now know that my data and that of 143 million other people is going to be monitored extra closely for 12 months, then the criminals who stole my data now also know that they should wait 12 months before using my data to steal money and commit fraud. How is 12 months of monitoring sufficient? I am very upset.
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. (CA)

Equifax waited an unacceptably long amount of time before notifying the public of their failure to secure my personal information and the personal information of many others. 

Equifax did not reach out to the affected users despite knowing already who has been affected. 

A credit freeze should be free but especially in this instance where many people 's credit has been put at risk by the very company who charges the fee.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent in a dispute letter to remove inquires to Experian on XXXX XXXX and I have not received a response back. I have tried calling Experian on XXXX XXXX and XXXX asking for status of the letter. I also have tried disputing the inquires over the phone. I am told that there is nothing they can do and they will remain on my credit report for 2 years. I did not authorize the inquires and I advise them they were not done by me. I was told to contact the companies to have them removed and I have tried that as well and the companies do not have any information on me or who I am, they told me to contact the bureau because obviously they were entered in error on my report. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. I would like the below inquires to be removed from my credit report and for the reason that Experian did not respond to me in 30 days and just ignored my previous attempts to dispute the inquires. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX 5.  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 2nd issue : I have contacted Experian on XXXX XXXX and XXXX XXXX about a bankruptcy reference XXXX that is showing on my credit report that is not mine. Both times Experian stated that account was verified as being accurate but failed to provide any documents on how it was verified and with who. According to the Clerks Office of The United States Bankruptcy Court ( XXXX XXXX of GA-XXXX XXXX ), the US Bankruptcy Court does NOT send, furnish or report any information to credit bureaus nor does it know the procedure and process of said agencies. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The Experian Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature With that being said, I find it very hard to believe that this information was verified. I would like this judgement to removed due to Experian being able to verify or show proof that I own this account.