davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I 've been trying to dispute inaccuracies on my credit report as well as an authorized items on my credit report I 've contacted all three credit bureaus and disputed all of the items that were not authorized and inaccurate I was asked to send in a police report which onXX/XX/XXXXI did as well as a Federal Trade Commission report was made as well as I 've sent in letters stating these were not my accounts they were inaccurate or they were not authorized by myself I 've received a confirmation that I would be having these remaining on my credit report and I 'm not sure why I needed to send in documentation pertaining to the case if they were not going to help me I am trying to get my credit report to reflect the accurate files and items that I have accumulated
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. (NJ)

Recently Equifax had a security breach of 143 million americans. Instead of offering to tell you if you could be effected by this they make you sign up for a protection plan which also makes you sign away your legal action to go after them for their faulty security. This is their fault and to make the people mostly effected by it sign away their rights to know if they are affected by their mistake is wrong.
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. (MS)

Equifax 2017 data breach. Incompetent and gross negligence in handling of sensitive PII. Blatantly and unashamedly offering their own ineffective theft protection service for a year as compensation for losing data that can not be changed for the rest of my life, but requiring that I waive my right to sue them for their disgusting actions.
Consumer complaint received 2017-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

I found out the other day AMCA -- American Medical Collection Agency -- has reported a debt to my credit report. I had never received any communication ( telephone or written ) about this debt from AMCA so I had no idea about it nor did I know I could dispute it. I only found out because my wife and I are attempting to get a mortgage for a new home and this showed up on my credit report.
I contacted them about this and they are refusing to remove this from my credit report. I asked for a copy of any bill/information about the original debt and they said they can only mail it via US Mail. This is fine, however, since they claim to have mailed it previously -- and I never received it -- I do n't know whether I 'll actually receive anything from them ( yes, we confirmed my address with them ). Since the mortgage is a time-sensitive issue, I 'd like to have this removed from my report while I await any communications from them.
I have no problem paying the debt -- if it 's truly my debt -- but I do n't believe I should pay for it without any documentation and I do n't believe my credit should be negatively-affected due to me never receiving any communication from them previously.
Consumer complaint received 2017-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (ME)

This afternoon I attempted to login to my Ally Bank account. It said my account was locked and I needed to call them to access the account. I promptly called them and was told a hold had been placed on the account because an account specialist was reviewing the account. I spoke with a manager and no one can tell me what it means that a specialist is reviewing the account, nor can they connect me with a specialist who can tell me what 's going on. I made a deposit on this account back in XXXX, I made one transfer from the account and now I 've gotten around to writing the first checks on the account. I 'm confused about what is going on. I asked if the checks would clear and they could not tell me. I asked why no one called, emailed, or wrote a letter before or after the hold was placed. He could not answer that either. It 's unacceptable to me that a bank can freeze all access to my account and possibly even to the checks I 've written with no notice to me whatsoever. The only help that could be offered to me was a return call in 24 hours.
Consumer complaint received 2017-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (FL)

A roommate used my social security number and forged my signature to get medical help. This collection was previously deleted when the collection agency could not provide identification used at the time my information was used. They simply provided an invoice with my social security number and a forged signature. NO ID showing me as the debtor has been provided! It 's well documented that this company uses false and illegal tactics to collect money from innocent victims. I feel sorry for all the people that have had this same experience with this company. The fact that I have never had a collection against me and have perfect credit otherwise, why would n't I pay this if were really mine? I pay my bills.
Consumer complaint received 2017-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

My Paypal account based on my email " XXXX XXXX XXXX '' still remains restricted, specially for sending and receiving payments. In spite of Paypal promising me that my account would be lifted of the restrictions, that did not happen as when I login I am offered to receive an automated phone call but as my landline has changed, that is not posible at all. When I call the XXXX Call Center of Paypal, it has not either been posible to reach a solution as my current landline number differs to the original entered in my Paypal profile. 

I have to point out that after my 2 previous complaints through the CFPB, there were some advancements, however the main inconvenience, i.e,, the limitations still affecting my Paypal account do remain and that is a major problem for me as I do need a Paypal account for personal and working reasons. 

Paypal imposes non-sense and stupid restrictions, such as that a bank account can only be linked to one Paypal account and not to second one so when I attempt to open a second Paypal account under a different email address Paypal does NOT allow my XXXXct bank account to be linked to a new Paypal account. That is a XXXX and XXXX rule from Paypal!!
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. (FL)

I am one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax. 

I am listed as a potential victim according to their equifaxsecurity2017.com website.
They have mishandled my information, which puts me many other people at risk, and I would like a resolution.
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. (PA)

Equifax mishandled my information by having a vulnerable public-facing website that allowed hackers to access and distribute my personal and financial information. Equifax did not directly notify me of the breach, instead I found out through the news. Now, because of their mistake, the burden is on me to additionally protect and monitor my credit for the foreseeable future. They are doing the bare minimum to assist their customers in the aftermath of this breech, offering only a year of free monitoring service that will be auto-renewed after a year, potentially costing me money if I forget to cancel it. If I choose to freeze me credit, that cost would be mine to bear. 
NOT TO MENTION the insider trading that took place when several of their executives sold their stock in the company before the breach was made public. Totally unacceptable and morally reprehensible!! 
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, and all of their other customers, are compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NE)

Experian web portal will not allow me to dispute information or review my credit reports. Further it will not allow me to remove a fraud alert or upload necessary documentation to remove the fraud alert.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Information was compromised by Equifax when they were struck by a cyberattack that may have affected up to 143 million customers from mid-XX/XX/XXXX through XX/XX/XXXX of 2017. I have placed a fraud alert on my account, and am debating applying for Equifax 's PremierID service. Equifax has set up a website, equifaxsecurity2017.com, to help customers identify if their account was potentially stolen.
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. (CA)

According to the website created by Equifax in the wake of their data breach, it is likely that I am among the 143 million people compromised. I do not wish to take part of their services in response to it as that would waive my right to a class action lawsuit.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

This is in regard to dispute for fraudulent use of my debit card filed with HSBC on the amount of {$23000.00}. The transaction originated from merchant named XXXX XXXX. HSBC has failed to take any action on the dispute and has not followed the due process of investigation. Upon contacting the merchant, they are unable to locate any account with my credentials and have asked me to file dispute with my bank. However, HSBC is unwilling to follow the due process and refund my lost monies.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.
Consumer complaint received 2017-08-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX XXXX and my daughters name is XXXX XXXX XXXX. We own a single home at XXXX XXXX XXXX, XXXX, PA XXXX at which we reside, Parcel No. XXXX in XXXX County. XXXX name is on the note from Wells Fargo N.A. 
In XXXX of XX/XX/XXXXXXXX husband, XXXX XXXX, XXXX, and of course that lead to financial upheaval. 
I tried to help her as well as I could but hat my own financial debacle in XX/XX/XXXX XXXX applied for a modification three times and appealed. The decisions on XXXX, XXXX, and XXXX were all denied. 
XXXX filed Chapter XXXX bankruptcy on XX/XX/XXXX, one day before an answer was due for due for foreclosure. XXXX refiled on XX/XX/XXXXXXXXBankruptcy was dismissed on XX/XX/XXXX. 
We received Notice of Sheriffs sale for XX/XX/XXXX. 
Our complaint is that Wells Fargo, et al. used deceptive practices to affect a foreclosure and sale of XXXX XXXX XXXX. They used dual tracking in violation of the XX/XX/XXXXNational Mortgage Settlement Agreement. The assignment of the mortgage is void under the XXXX and New York State Trust Law, the SEC, and IRS regulations ( tax exempt status can be withdrawn if there are any irregularities in the assignment. The assignment was 8 years after the closing date of the XXXX XXXX XXXX rust in violation of New York State trust law. 
Exhibit 1 Information on trust law ; Exhibit 2 XXXX XXXX definition of Trustee Obligations ; Exhibit 13 Information on identifying fraudulent mortgage documents ; Exhibit 4 Fraudulent mortgage documents also void by XXXX Trust Laws ; Note to Exhibit 4 XXXX XXXX is a known Robo signer- transfer ( assignment ) was made 8 years after Trust was closed, Exhibit 5 Information regarding a proper assignment with the Declaration on the bottom of the page. 
We have more information : Start of Application for Modification ( 3 of them ), Service of Notice of Sale 2 days after filing Chapter XXXX, Stay of Execution was not filed until 19 days after filing XX/XX/XXXX Chapter 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. (AK)

XXXX XXXX XXXX XXXX XXXX   XXXX Equifax shows people as having " your personal information may have been impacted '' regardless of what name or SSN was entered. This hack is either fake or being leveraged by Equifax to get people to sign up for their paid credit monitoring.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023 I received an email from Chase credit card service about an account opened in my name. Subsequent emails were sent indicating the phone number, last four of card number and card shipping. I did not apply for this account. Chase fraud department and experian were both notified. Chase closed the fraudulent account.
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. (CA)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2017-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TN)

In XX/XX/XXXX I defaulted on an XXXX credit card with a balance of {$6800.00}. The matter was turned over to Transworld for collection. ( I selected the items on this site that best described my issue but it was not an exact match ). Transworld first garnished my military retirement for 6 months in XX/XX/XXXX. I can not find records of this. They then garnished my wages from my employer XXXX XXXX in XX/XX/XXXXthrough XX/XX/XXXX. I have evidence of this in my attachments. I started a new job in XX/XX/XXXXand in XX/XX/XXXXTransworld garnished my wages from XXXX XXXXXXXX XXXX and are still presently doing so. In XXXX of this year Transworld garnished my XXXX XXXX  once again and are now garnishing both my work wages and my retirement, leaving me no disposable income. All my earnings go to obligations with very little exception. I am attaching the last statement I received from XXXX which shows just last month they collected {$830.00} from me. 
I have spoken with Transworld on several occasions and they will tell me nothing, simply refer me to XXXX. XXXX told me in XXXX of this year that they show no record of collections from me until XX/XX/XXXX. I am attaching summaries from XXXX that show a garnishment in XX/XX/XXXX and XX/XX/XXXX. XXXX only started sending me statements this year after I complained to them. The original billing from XX/XX/XXXX was for {$7900.00}. In XX/XX/XXXX, they stated my debt was then over {$13000.00}. In XX/XX/XXXX, the debt was still listed as over {$13000.00}. The statements finally started showing a decrease in the debt. I am not sure what I can do to prove all the garnishments but I hope I provide evidence of enough to show that Transworld collected a substantial amount from me without forwarding all they collected to XXXX. XXXX offered me no solace. i was told that they were a government agency and they could do what ever they want and they claim they gave me chance to negotiate. I did receive a notice of this but when I inquired they would not set up any payment agreement. Any assistance you can offer will be appreciated.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX These accounts have violated my rights. 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 aso 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 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. (MN)

My private information was accessed in the Equifax hack in XXXX of XXXX. Not only was I not notified of this event in a timely fashion, I have not been notified directly by the company at all. Equifax has also attempted to deceive me and countless other consumers into signing away our right to sue for their negligence by offering a free one year trial of credit monitoring in exchange. This is deceptive and predatory behavior, in my opinion.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I hope this message finds you well. I am writing to express my deep concern regarding what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am referring to the accounts listed below : 1. Account # : XXXX 2. Account # : XXXX 3. Reference # : XXXX / XXXXXXXX XXXX XXXXXXXX Under 15 U.S.C. 1681 Section 602 A of the FCRA, I have the fundamental right to privacy, which has been compromised in this situation. Additionally, 15 U.S.C. 1681 Section 604 A Section 2 of the FCRA clearly stipulates that a consumer reporting agency can not furnish an account without my explicit written instructions.

I have diligently attempted to address this issue by reaching out to credit reporting agencies, including XXXX, Equifax, XXXX, and XXXX XXXX. I have submitted multiple letters expressing my concerns, yet regrettably, I have received no meaningful response. Instead, I have been met with a frustrating cycle of vague explanations, such as " The accounts came back Verified '' or " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' To further illustrate my concerns, I have taken the liberty of highlighting discrepancies within my credit report and have attached copies of the letters I have previously sent for your reference. 

I sincerely request your urgent attention to this matter. My rights under the FCRA are of utmost importance to me, and I believe that addressing this issue promptly is essential to ensure the accuracy and integrity of my credit report. 

I kindly request that you investigate this matter thoroughly and provide a detailed response outlining the steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this concern. 

Sincerely,