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: 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. Internal Equfax executives on the other hand decided to cash out Equifax stock days before it went public, as further insult to injury.
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. (IL)

I learned today that Equifax was responsible for leaking my information to parties that were not given consent to have that information. This information includes my name, address, date of birth, social security number, and everything else needed to make charges on my accounts, open new accounts, or to steal my identity. When using their tool to find out whether my information could be compromised, they tried to make me sign away my ability sue them either individually or in a class action lawsuit in order to ascertain whether MY information was compromised. I view all of the above, and especially the latter, to be egregious in nature, especially since they knew my information was at risk for the last three months and only just released this information to the public recently, and made sure to cover themselves before their responsibility to those who they serve.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I was affected by the Equifax hack that occurred in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2017 and widely reported on X/X/17. I have used the site Equifax set up to identify if your information was compromised ( that 's www.equifaxsecurity2017.com ) and was given a message that confirmed my personal details may have been leaked. I am using Equifax 's complimentary ID theft detection offered through said website via XXXX, and have already put a 90-day fraud alert on my credit reports. That said, the fact that this data breach happened at all is a company wide failure, and further action should be taken by CFPB to ensure higher protection standards for personal information and a clear account of how this happened.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Equifax was been hacked in XXXX XXXX, continuing through XX/XX/XXXX, and they did n't find out until the end of XX/XX/XXXX, and then did n't notify me ( or other consumers ) that our data was likely compromised.
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)

I was made aware of the Equifax data breach on XX/XX/2017. I checked on their potential impacted victims sight and was identified as having my information potentially impacted by this breach. I have checked two of my three credit reports, and there is no current suspicious activity. I have placed a 90 day fraud alert on my credit accounts to be made aware of any activity. I have also read up on the year of credit monitoring that Equifax is offering the impacted victims, but would potentially compromise their ability to join in any class action lawsuits. Since I believe this is not done in any good faith I am not currently planning on participating in this
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. (OH)

Equifax was hacked and my PII as well my financial information may have been stolen.Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

Equifax had a security breach, yet I am now somehow responsible for paying fees on Credit Freezes to protect myself and my credit because Equifax decided to keep my personal information in plaintext. Nope. Equifax can pay to put freezes on my credit, since they were irresponsible with my data.
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. (CO)

Equifax has proven that it is grossly negligent in handling my very sensitive, personal information. This is particularly distressing because by the nature of their business, I have no control over being their " customer '' or not. 

Besides that, their most immediate course of action to remedy this disaster was to rather sneakily try to trick me and other consumers into allowing us to shield them from legal consequence by tucking an arbitration clause into their offer of free credit monitoring terms of service which is n't even displayed on the same page that you sign up for said monitoring. It all stinks of rather underhanded tactics, to me. 

This company deserves to bear the FULL burden of consequences for having endangered nearly half the adult US populations ' personal info.
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. (CO)

Equifax did not adequately protect my information which has led to an embarrassingly large data breach that puts myself and at least 150 million others at potentially life-ruining financial risk.
I am extremely disappointed with how Equifax has handled the reporting of this. Very little was done to notify the public in a timely manner - waiting for over a month after the breach was detected. I received no email, letter, nor phone call and instead had to discover it via the media. That is absolutely outrageous.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax mishandled my information which has led to a recent data breach that puts myself and over 143 millions of other consumers at potential risk. I am also extremely disappointed with how Equifax has handled reporting after this breach. Very little has been done to notify the public for nearly a month after the breach was detected. I received no phone calls, e-mail or mail communications from Equifax and instead had to discover it via social media.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX 2017 My credit history was involved in the recent Equifax Security Breach. The potential impact of identity theft and duration of impact is unknown at this time. Services which we do not have a choice of being involved with should be held to high security standards.
The company waited over a month before informing consumers, and their " help '' website is not secure either.
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)

Equifax was, as far as I know, hacked by other parties that stole my information. 

I verified this on Equifax ' website, equifaxsecurity2017.com This is irresponsible and if a company ca n't handle protecting my info, they do n't need it.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SC)

Experian, The way the system is set up, it discriminates ( see attached XXXX pages ) against people that pay their bills on time. In my case, not only are they discriminating against me, the Credit reporting agencies have wiped my credit history out and have dropped my credit score down to XXXX from XXXX. It 's as if I have never had credit, I 'm being treated as if I have BAD credit. Auto/home insurance rates have gone up. If I borrow money my interest rate has gone up 1.5 %. I 've been denied credit cards and my checks are being denied by a company called XXXX, due to my credit score. XXXX will not authorize my checks. As of today ( XX/XX/2016 ), my score is XXXX. 
I want my credit score to reflect my outstanding payment and credit history over the years. Not just the past three months. 
Question : How is this system fair? As stated above, the credit reporting agencies are set up to discriminate against individuals that pay their bills on time or early. If you read their own definition/explanation. the credit reporting agencies what to force you into debt in order to obtain a higher credit score.
Consumer complaint received 2016-08-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WY)

I have had a mortgage on a property since approximately 2003. It was underwritten by XXXX, sold to Green Tree, and resold to DiTech. Since the inception of the loan, it has been paid automatically from my bank account, and has never been late. 
Since Ditech got the mortgage, I have been harassed by phone and by mail, saying I am anywhere from {$35.00} to {$650.00} overdue. This is not true. I have contacted Ditech by phone 6 times about the issue, twice speaking with supervisors. Each time I call, I am told that my account is in fact NOT past due, but that since their takeover of the Green Tree loans, Ditech 's " reallocation '' process is behind, and that is the reason I continue to get dun notices by phone and by mail on a monthly basis. 
I do n't know what a " reallocation '' process is, and I do n't care. 
1 ) I want Ditech to stop contacting me to tell me my account is overdue when it is not ; 2 ) I want written assurance that my XXXX+ credit is not imperiled by Ditech 's internal 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)

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 2017-09-08
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. (AZ)

Equifax had a security breach that affected 143 million people. This is a credit monitoring service. It took them over a month to find the breach. How can ANY of these credit monitoring services be trusted with our very personal information.
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 canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

Equifax recently was part of a cyber attack in which millions of people 's information was compromised. Only way to figure out if you were compromised is to visit a equifax website in which they try to sell you fraud protection. Should n't have to pay them for fraud protection when my information was compromised due to their security and no fault of my own.
Consumer complaint received 2015-12-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (PA)

I TOOK OUT A CAR LOAN IN XXXX W/CHASE BANK. FOR A XXXX GMC YUKON. MY GMC WAS DEEMED A TOTAL LOSS BY THE MY INSURANCE CO [ XXXX ] ON XX/XX/XXXX. MY INS. CO. BY POWER OF ATTORNEY MY INS.CO. REPOSSED MY VEHICLE ON /OR BETWEEN XX/XX/XXXX & XX/XX/XXXX. AT THE TIME MY INS. CO PAID FOR A RENTAL VEHICLE & SOON AFTER SENT ME A CHECK FOR THE BALANCE OF THE EQUITY AND AT THE SAME TIME SENT CHASE BANK THE BALANCE OWED ON THE LOAN. TILL THIS DAY CHASE PLACED A NEGATIVE REPORT WITH THE CREDIT BUREAU [ S ]. SAYING THAT I STILL OWED THEM MONEY. I 'VE TRIED IN WRITING, BY PHONE SEVERAL TIMES TO BRING THIS MATTER TO A CLOSE BUT TO NO AVAIL. I HAVE WRITTEN DOCUMENTATION ON ALL PERTINENT WRITTEN AND NON-WRITTEN COMMUNICATIONS WITH CHASE. THE ONLY RESPONSE I KEEP GETTING FROM THEM BY THEIR REPS OVER THE PHONE IS THAT THEY 'RE GOING TO MAKE A SPECIAL INVESTIGATION INTO THIS MATTER AND AS OF TODAY I HAVE N'T RECEIVED ANY RESPONSE. EXCEPT THAT ... VIA EMAIL ... I OWE THEM A PAYMENT. IT 'S BEEN WAY OVER 14 MONTHS. I 'M TRYING TO BUY A HOUSE WHICH I ALREADY HAVE A DOWN PAYMENT ON AND THIS NEGATIVE REPORT BY CHASE IS HAMPERING THOSE EFFORTS. PLEASE BE ADVISED THAT BEFORE [ AND ] AFTER THE HAIL STORM DESTROYED MY VEHICLE I NEVER EVER HAD A LATE PAYMENT. I ALSO SPOKE WITH MY INS. CO. REP. AND THEY TOLD ME THAT IT WAS OUT OF THEIR HANDS AND THEY ALREADY SETTLED AND PAID CHASE BANK IN FULL FOR THE AMT. THEY [ CHASE ] REQUESTED AS A PAYOFF BALANCE.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

I applied for the XXXX XXXX XXXX XXXX from American Express on XXXX XXXX. 2017, and instantly approved. The promotion was to earn XXXX XXXX Honors Bonus Points after spending {$3000.00} in purchases on the Card within the first 3 months of Card Membership. Plus, earn a free weekend night award after the first anniversary of Card Membership. 

I met {$3000.00} spending requirement on XXXX XXXX. 2017. After the first statement was closed, I did not see the XXXX HH points in my account, so I contacted American Express customer service. They said it would take up to 4-6 weeks to get the points. So I waited 8 weeks, but still did not get the points. So I contacted them again twice in XXXX, and they told me they would expedite point deposit, and told me to wait until next statement closing which was XXXX XXXX. I still did not get XXXX HH points as of XXXX XXXX. XXXX. 

As a long time loyal American Express customer since XXXX, this is a disappointing and frustrating experience. Please review this case and deposit XXXX HH points in my account as advertised.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Rent Recovery Solutions (GA)

I reported last week that Rent recovery was reporting XXXX different accounts with the same amount. XXXX in the amount of {$3800.00} is listed twice on my XXXX and XXXX for the amount of {$3400.00} same date same amount but twice and they say this is legal and valid how? I noticed they took one off in XXXX but added it right back on which is illegal. I am attaching all the proof. I check my report every single day. I am trying really hard not to get a judge involved but it seem 's to be the only way because nothing is being done about it. I sent them a letter certified mail and they have failed to respond the letter was sent XX/XX/2016. Please investigate this company they are reporting inaccurate information and trying to collect on bogus debt and I can prove that as well because the company is no longer in business. No one has explained to me why is it on my report twice and for the same amount. I want it fixed and corrected. they removed the {$3800.00} but added it right back on twice. I ca n't wait to see them explain this to a judge. I have provided the proof they removed it and added it back on.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax, through their negligence, compromised the personal data for me and 150,000,000 fellow citizens. This is unconscionable and needs to be addressed. I do not want a {$2.00} class action settlement or some token gesture of a " free '' year of monitoring ( after which I would need to pay them. ) I want and expect them to take ownership of their negligence and provide, in perpetuity, a credit freeze and/or fraud alert on all of the credit bureaus for all of my personal data. 

To expect me to pay *them* {$10.00} to freeze, and again to unfreeze, my credit data for both me and my wife due to *their* negligence is outright criminal and needs to be addressed as soon as possible.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I have made several attempts to resolve this civilly. However, the incompetence and illegal activities of the company does n't resolve the issues. Multiple " senior '' representatives : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have each sent me cut/paste responses. I have reached out to some of them via email and phone with NO assistance. I never made a payment and want the IP address of the payment made online on XX/XX/XXXX. I thoroughly went through the transactions which are NOT mine. Again items were sent to an unknown LA residence. Synchrony is very aware that items ordered were never received nor ordered by me. Remove this illegitimate very inaccurate account immediately before legal recourse for violations of reporting inaccurate, fraudulent charges.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: William D. Meeker Enterprises, Inc. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX XXXX Dear XXXX credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (AZ)

RE : Complaint # XXXX. I received an email on XXXX/XXXX/15 stating my payment of {$48.00} has been posted to my account yet discover card continued charging my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX causing {$75.00} in overdraft fees plus a {$.00} transaction fee. No notice was received stating the payment due date had been changed from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2016-11-28
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (UT)

there were several unauthorized charges totaling over {$3000.00}. they were all cash advances taken from my card. i submitted a claim and filled out and sent back a form stating that i did not make these charges. 2 weeks later i get a letter stating that they found these charges to be correct and put them back on my card. I have NEVER taken a cash advance on XXXX crdit card ( i do n't even know how to do this ) they said i would have had to use a pin number, I 've never had one! as far as i know you would have to go into a bank and show an ID to get a cash advance. Obviously It was not me. At the same time i had fraudulent charges on XXXX of my other cards however the card companies did their investigations and removed the charges. Discover advertises how you are not responsible for fraud. Discover is making me responsible.