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. (MA)

A little over a month ago I had my first ever fraud committed on one of my credit card accounts. I did n't know how they got the information at the time, but I spent a great deal of time sort the issue out. Now I know it likely had to do with the Equifax data breach, and event which I was not notified of and could take no action. 

Equifax mishandled my information which has led to a breach that likely caused fraud on one of my accounts and has the potential to put my financial standing at risk. I am extremely disappointed with how Equifax has handled reporting this breach, as I had no knowledge of the breach until it came out on major media platforms platforms this week. 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 discovered it via social media. 

Going forward Equifax should be required to monitor every breached account and notify any victims if fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with on a hastily prepared website. Additionally we should not be forced to accept the terms from a company that unintentionally released the data of millions just to fix the potential life-altering consequences of this breach.
Consumer complaint received 2017-11-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Experian has failed multiple times in providing me with the physical and original documents they have in their files pertaining to an alleged medical account ( XXXX XXXX and XXXX XXXX that they are reporting. I have questioned Experian regarding the validity of this account as well as to insure me to me that no HIPAA Law violations were acted upon a numerous of times and I simply receive the generic statement from Experian stating - " The information you disputed has been verified as accurate. '' Yet I have not received any proof as to how they are determining this alleged account to be " accurate. '' It is to my understanding that in accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through PHYSICAL verification of the original signed consumer contract of all accounts you request that are being reported on my credit report. Experian has FAILED to do this! 
This law is very clear as to the Civil liability and the legal resources available to me for the " negligent noncompliance '' ( FCRA - Section 617 ) if Experian continues to fail at complying with this federal law.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on Transunion and XXXX report. XXXX remains on Transunion, XXXX and XXXX reports. XXXX XXXX remains on XXXX report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Consumer complaint received 2017-11-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am attaching proof from my credit report that these 2 accounts on TransUnion are reporting wrong and that both the creditor and TransUnion are refusing to verify, correct or remove them as per the requirements of the FCRA. 

I 've submitted substantial evidence in this case and have disputed multiple times with both parties to no avail. These must now be deleted from my credit report. I am also attaching my correspondence with both parties. 

Accounts listed incorrectly : XXXX XXXX listed twice Problems : 1st account : is listed as 60 days late, even though there 's no balance and the account does not list that it 's been transferred or sold to another company. 
There 's been no update on this account since XX/XX/XXXX. 
There 's still a monthly payment on this account of {$1300.00}, even though it 's neither open, contains a balance, is still being paid on or has been updated Reports late payments that i know to be inaccurate and were never verified 2nd account : is listed as 60 days late, even though there 's no balance and the account does not list that it 's been transferred or sold to another company.
There 's been no update on this account since XX/XX/XXXX. 
There 's still a monthly payment on this account of {$5800.00}, even though it 's neither open, contains a balance, is still being paid on or has been updated Reports late payments that i know to be inaccurate and were never verified Due to the fact that it 's clearly being reported wrong and no one wants to conduct an actual investigation per the FCRA, these items must be deleted at once from my credit report!
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 for the remainder of the victims lives. 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. 

I never authorized equifax or any credit agency to store my data, track my data, or sell my data. Now they have exposed me and millions of others to a lifetime of identity theft and possible financial ruin. This is unnacceptable and needs a strong response.
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)

Personal information was leaked by Equifax, including Name, DOB, Address, SSN, etc. some time before XXXX XXXX, 2017 due to a security breach caused by gross negligence with regards to security practices surrounding their website. 

No action was taken by Equifax, who actively refused to publicly acknowledge this breach, for over five weeks. 

Once knowledge of this leak became public, they attempted to offer a single year of credit reporting services- services they happen to profit from- which also included a binding arbitration clause protecting themselves from civil liability to their own incompetence. This offer was rejected out of hand as insultingly inadequate.
Consumer complaint received 2017-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (KY)

I am a XXXX resident and my wages were garnished and continue to be garnished by Midland Funding LLC. Sometime around XXXX Midland Funding purchased a credit card debt XXXX {$1900.00} XXXX allegedly owed to XXXX under my maiden name XXXX XXXX. In XXXX Midland Funding  filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Case No. XXXX ) alleging that I owed them {$2500.00} and obtained a default judgment. They mailed the notice of lawsuit and any other papers associated with that lawsuit to a XXXX XXXX XXXX XXXX, XXXX using my maiden name on all of the paperwork. I am not nor have I ever been a resident of XXXX, XXXX. I was never served any papers by the sheriff and I never signed for any papers at the XXXX XXXX in XXXX, XXXX. 
I was critically injured in an automobile accident on XXXX XXXX, XXXX and lived with my parents in XXXX, XXXX up until XXXX of XXXX I was arrested on charges stemming from that accident. I was incarcerated in XXXX from XXXX until my release on XXXX XXXX, XXXX. I obtained a job with XXXX in XXXX of XXXX and first heard of this lawsuit when my wages were garnished by Midland Funding in XXXX of XXXX. 
I never received notice of the lawsuit back in XXXX and I never received any notice or letter from Midland Funding or their attorneys XXXX and XXXX attempting to resolve this matter before garnishing my wages. The information that I have I got on my own from my employer. Midland Funding has failed to send anything to me ever. 
Midland Funding is taking at least 25 % of every paycheck and there is nothing that I can do to stop it. In addition to the alleged debt of {$2500.00} they have tacked on another {$2500.00} in court costs and " post judgment interest ''. How can I defend myself for a debt that was incurred more than 10 years ago when I have been incarcerated for the past 8 years? How can I stop this wage garnishment? This puts a tremendous hardship on me. I am a XXXX parent with a XXXX XXXX XXXX child to support. Please look into this matter for me.
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. (WI)

To whom it may concern : Equifax mishandled my personal information as well as 143 million others. To make matters worse, Equifax did not attempt to contact me about the security breach ; rather, I found out from the news that I should check my impact status myself.
I just found out from their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) that " Based on the information provided, we [ Equifax ] believe that your personal information may have been impacted by this incident. '' This is unacceptable.
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. (IL)

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 2017, 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: 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)

My information was included in the hack discovered on XX/XX/17 according to equifaxsecurity2017.com It took over a month to inform consumers about this hack and we have been unprotected and unaware this entire time.
Consumer complaint received 2017-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hosto & Buchan, PLLC (KY)

I am a XXXX resident and my wages were garnished and continue to be garnished by XXXX XXXX XXXX. Sometime around XXXX XXXX XXXX purchased a credit card debt XXXX XXXX  XXXX allegedly owed to XXXX under my XXXX  name XXXX XXXX. In XXXX XXXX XXXX filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Case No. XXXX ) alleging that I owed them XXXX  and obtained a default judgment. They mailed the notice of lawsuit and any other papers associated with that lawsuit to a XXXX XXXX XXXX XXXX, XXXX using my XXXX name on all of the paperwork. I am not nor have I ever been a resident of XXXX, XXXX. I was never served any papers by the XXXX and I never signed for any papers at the XXXX XXXX in XXXX, XXXX 
I was critically injured in an XXXX XXXX on XXXX XXXX, XXXX and lived with my XXXX in XXXX, XXXX up until XXXX of XXXX I was XXXX on charges stemming from that XXXX. I was incarcerated in XXXX from XXXX until my release on XXXX XXXX, XXXX. I obtained a job with XXXX in XXXX of XXXX and first heard of this lawsuit when my wages were XXXX by XXXX XXXX in XXXX of XXXX. 
I never received notice of the lawsuit back in XXXX and I never received any notice or letter from XXXX XXXX or their XXXX XXXX and XXXX attempting to resolve this matter before garnishing my wages. The information that I have I got on my own from my employer. XXXX XXXX has failed to send anything to me ever. 
XXXX XXXX is taking at least XXXX XXXX of every paycheck and there is nothing that I can do to stop it. In addition to the alleged debt of XXXX they have tacked on another XXXX in XXXX costs and " XXXX XXXX interest ''. How can I defend myself for a debt that was incurred more than XXXX  XXXX ago when I have been XXXX for the past XXXX XXXXears? How can I stop this wage garnishment? This puts a tremendous hardship on me. I am a single XXXX with a XXXX year old child to support. Please look into this matter for me.
Consumer complaint received 2017-11-14
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. (CA)

Hello, I just received a hard inquiry notification off of my XXXX XXXX account made by : On XXXX XXXX, XXXX. 

XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have not opened any XXXX 's account recently. 

Thank you, XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

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.
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been attempting to contact the trustee, XXXX XXXX XXXX since last week - as instructed by my lender Wells Fargo - but not able to get through, the call hangs up every time and I have tried from multiple lines. I then contacted Wells the day before the auction sale and the day of the sale to cure the default in full, they referred me to the trustee again. No answer and disconnected from trustee 's phone number. I have the funds available to cure the default in full and was asked to send in proof. I had a 3-way conversation with a representative from Wells Fargo and a representative by the name of XXXX XXXX from my bank Wells Fargo to get a fax number to send the proof of funds. It took Wells Fargo over 45 minutes to provide me with a valid fax number as I stayed on the line with them while faxing the information over ( see attached ). Wells Fargo stated that they could not get in touch with their attorney ( XXXX XXXX XXXX ) and that I can try to call myself. They were not of any help to me and left me with no options but to keep trying to call the trustee with no luck. I also was never properly served with the Notice of Default and Notice of Trustee sale so I feel my homeowners bill of rights was violated as no true alternatives to avoid foreclosure was given to me instead they proceeded.
Consumer complaint received 2017-11-14
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. (CA)

Trying to remove a dismissed bankruptcy from my credit report.The following sections of the FCRA .1681c mentions nothing relating to bankruptcy dismissals or filings.Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law.Therefore transunion has no right to maintain this information. 

Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, transunion must delete this information from my credit report.

( See attached letter I sent to Transunion )
Consumer complaint received 2017-11-13
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: BANK OF THE WEST (CA)

Received a pre-approval for a credit card from Bank of the West. Offer expieres XXXX. They are not able to find the pre-approval offer they extended to me and want me to apply. I simply want them to honor the terms of their offer.
Consumer complaint received 2016-05-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

On XXXX XXXX, 2016 I paid off a home equity line of credit to Wells Fargo Bank. The day we sent the payoff check I called Wells Fargo to ask what the payoff amount was. I was quoted, {$57000.00} over the phone as the payoff amount. A check for that amount was sent to Wells Fargo that day. 

My home equity loan was paid off, and my account was closed. Then Wells Fargo opened up mortgage account, ( which I never signed any documents for ), and sent me a bill for {$670.00}. 

I called Wells Fargo and filed a dispute, stating my loan had been paid off with they amount THEY quoted me as the payoff amount. 

Because I complained, Wells Fargo retaliated against me by DAMAGING MY CREDIT RATING. They also sent me a letter, telling me that no payoff amount was request. THAT IS A BLATANT LIE. I CALLED THEM ON THE PHONE BEFORE THE CHECK WAS ISSUED AND REQUESTED THE PAYOFF AMOUNT. The payoff check was the amount I was quoted over the phone.
Consumer complaint received 2017-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (OH)

I received a letter from the XXXX XXXX today stating I owe {$460.00} for XXXX XXXX Account XXXX with a date of service XX/XX/XXXX. I am contacting a Lawyer tomorrow! I read through this notice and saw on XX/XX/XXXX Capio Partners is saying I still owe {$97.00} after {$3400.00} has been paid! I called them and told them I paid this account in full in XX/XX/XXXX by settling with the collection agency. They then REMOVED THE COLLECTION from MY CREDIT! WHY IN THE WORLD ARE THEY NOW TELLING me I owe {$97.00}. This is not all! They send me a notice, same day stating I owe {$370.00}  for account XXXX. THIS COMPANY AND XXXX XXXX HAS YET TO PROVDE ME AN ITEMIZED LIST OF WHAT I AM BEING BILLED FOR WHICH IS A VIOLATION OF FDCPA! The have an auto dialer call me with an automated person speaking! I can never speak to anyone! They have time and time again ruin my credit! They place accounts in collections and then after months of fighting to prove them wrong, the accounts are removed. But my CREDIT is already impacted! I have a higher rate on my loans due to their erroneous credit reporting! This is still not all! Capio also has account XXXX, this is for my Son. I have issued TWO CFPB complaints XXXX, XXXX where Capio has FAILED TO ISSUE ME WITH AN Itemized list of the charges! Someone really needs to look into the charges for Capio account XXXX and XXXX!!! There is medical billing fraud with these two accounts. There is also violation of FDCPA and TCPA as well as UDAAP. The department of Justice needs to investigate XXXX XXXX, Capio Partners and  The XXXX XXXX! I have spent countless hours asking for a list of all charges and disputing the amounts owed and no-one is doing one thing! All they do is call 20 times a day, they are rude and threating! My Husband gets harassing calls every day for account ending XXXX! Again along with ago XXXX, I HAVE PAID FOR THE ACCURATE AMOUNTS OWED! I am being charged for items that I DO NOT OWE!!!! This is being proven by their content lack of ability to provide me a line by line list OF ALL CHARGE! It is really said I am being abused like this! I have XXXX XXXX who NEVER answered my request! They sold the account to Capio who then sold the accounts to The XXXX XXXX! I think they look for Women to take advantage of! I really do!!!! They threaten my Credit when I ask for the itemized list! Again FCDPA violation