davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-29
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. (GA)

To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Transunion : XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (CA)

Sunrise credit services called pretending to be a collector for XXXX XXXX XXXX XXXX. This time, they used the number ( XXXX ) XXXX ( although they seem to be using different numbers every time ) and they called on XXXX/XXXX/XXXX at XXXX XXXX. They claimed I had $ 50+ unpaid balance. Since I had previously confirmed directly with XXXX XXXX XXXX that I had no remaining balance, I requested that they give me the account number associated and they gave me an incorrect number. I told them the number I have is not the same and that they were looking for someone else. They denied this and insisted that it was my account and that my credit was at stake. Then, they asked me to confirm with my social security number, which I declined. They then said that they will discuss it with me later and abruptly hung up on me.
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. (MI)

On XXXX XXXX, 2017, Equifax released a statement outlining a breach in their systems that impacted approximately 145 million people in the US. Using their www.equifaxsecurity2017.com site, I was notified that my personal information was potentially impacted by this release. I have frozen my credit reports with Equifax, XXXX, and XXXX, and am submitting documentation to complete my freeze with XXXX. I have also placed a 90 day fraud alert on my reports. There is no further action I am aware of that can be taken.
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. (NY)

I was a victim of the Equifax cyber attack that has affected 143 Million Americans. I do not know what information of mine is now public data. I have placed fraud alerts with all three credit bureaus however I have not frozen my accounts yet. I do not believe I should be paying to freeze my accounts to a company that has caused the breach in the first place. Ridiculously irresponsible, and scary for a XXXX year old woman who is working on establishing credit. 

My personal data has been compromised and I received no notice from Equifax before seeking out information on my own. Shameful.
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. (MO)

This is in regards to the data breach, reported by Equifax. 
They allowed, through inaction or negligence, my information to be stolen from their company servers. I am now having to place freezes on my credit rating and watch for fraud because of it.
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. (CA)

Equifax mishandled my information and put myself and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. They did not notify me directly and they have admitted that they will not notify everyone.
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. (RI)

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' It appears that my information was compromised per Equifax 's website.
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. (MD)

I was part of the Equifax data breach and I do not feel as if there response is strong enough given the amount of information that was breached. 

They are also trying to trick users into giving up their class-action rights with the TOS on their Identity Monitoring product.
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. (CA)

Equifax mishandled my information, allowing for a security breach that leaves me vulnerable to identity theft. According to their website, www.equifaxsecurity2017.com, I am a potential victim of the breach, and I would like to see a resolution as soon as possible.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This notice is to officially notify your company of fraudulent accounts on my consumer report. I do not have a bankruptcy on file with the bankruptcy court. 


Delete the following in pursuant of : 15 USC 1681c-2. Block of information resulting from identity theft.

15 USC 1681a ( 2 ) - Prohibits the consumer reporting agency to that should be excluded that contains transactions from my report. 

Account Name and Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

I 've submitted two claims with Wells Fargo now twice they continue to ignore facts in resolving the issues. Several Checking and Savings accounts and even a loan was opened under my name and social with Wells Fargo without my consent and due to my identity being stolen. 

Wells Fargo continues to neglect factual information. They do n't accurately investigate claims and try to put accounts that do n't belong to me under my name and social. Wells Fargo ignores that the account identifiers do n't match me along with I 've been living and working abroad since 2010 so its impossible for me to have open any accounts with their bank. 

I 've talked to the Executive Office along with the Financial Crimes Manger and continue to get no where. I 've been given the run around and false promises. Wells Fargo has a history of not doing right by its consumer and I 'm not the latest victim of Wells Fargo neglect and irresponsibility.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

All my student loans show 90-120 days delinquent in 2013 when all of them where in deferment. They never corrected the issue and just published a personal statement that I did not authorize nor state.
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. (CA)

Summary : Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.Criminals took advantage of a " U.S. website application vulnerability to  gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
How it relates to me : I used the site www.equifaxsecurity2017.com to check if I had potential impact. I did not sign up for their credit monitoring service following the check. I got the notification that " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident ... '' which means my information was indeed stolen. This is a violation of my credit report data because Equifax stored my data improperly, resulting in the ability for the hackers to steal it. As far as I can tell, my ( and others ) data was stored in plain text and not encrypted.
Consumer complaint received 2017-09-07
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: EQUIFAX, INC. (GA)

HI, My name is XXXX XXXX.
I pulled my credit profile only to discover that the bureaus is reporting inaccurate information on my credit report. I have inform them that I 've been a victim of identify theft. On my credit profile it list that my Date Of Birth XX/XX/XXXX, when my Date Of Birth is XX/XX/XXXX. I have submit several dispute on the behalf and yet they still reporting these anonymous accounts listed below : XXXX XXXX XXXX ****** Balance {$1200.00} XXXX XXXX XXXX******* Balance {$440.00} please update and remove all items listed above
Consumer complaint received 2017-09-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (TX)

I reviewed my credit report in XX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Ad Astra Recovery. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. This letter was sent XX/XX/XXXX and I have not received a response to date.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I have disputed this account for {$850.00} numerous times with the credit bureaus as the debt is not mine. XXXX is unable to validate the debt for that reason. The collection agency then removed the debt. XXXX then gives the debt to another collection agency to collect and it appears on my credit reports AGAIN without notice to me that this is happening. This has been a cycle, and I am needing to pursue a formal complaint so that the debt can be deleted permanently.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was notified that my credit score generated by TransUnion Credit Reporting agency dropped XXXX points on XX/XX/XXXX. Neither of the credit scores of the other two credit reporting agencies was affected. I have filed disputes and spent hours on the phone with TransUnion trying to get answers ; their agents are not knowledgable or efficient in their feeble attempts to solve this problem. TransUnion 's website is a technological nightmare -- inability to log in to account, broken URL links, pages that freeze and start all over again with whatever a customer was trying to accomplish with all input lost, and hair-trigger time limits that boot you out of a web page before you've had enough time to complete the info requested. My single greatest problem is this : TransUnion has not identified the source or the cause of the precipitous decline in my credit score, so I therefore do not even know, and TransUnion is not giving me, the name of the creditor, reporting entity, or other specific info sufficient to even file a meaningful dispute. Supporting documentation is being uploaded ; note the email dated XX/XX/XXXX that says my " dispute '' was received and is being resolved when I hadn't even filed XXXX yet and the link to sign in to my account doesn't work.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (GA)

I opened a cash app account on XX/XX/XXXX for my business in which I had to provide my business license and my identification. 

On XX/XX/XXXX, I received this notice when trying to access account Your account has been found to be in violation of our Terms of Service and/or our Acceptable Use Policy, and has been closed. While you are still able to access your account and XXXX cash out any remaining funds, all other features, including the XXXX XXXX, have been permanently XXXX. 

I dont have specific reasons why, but you can view our Cash Terms of Service at https : //cash.app/legal/us/en-us/tos for possible On XX/XX/XXXX, I contacted Cash App again because this account is signed up to receive donations for my business but no one didnt contact me. The only response I received is It looks like this would be better handled through our email support team. 

On XX/XX/XXXX, I contacted Cash App again and this is the response I received We've escalated your case and our team is working hard to resolve your issue. For reference, your previous case number is XXXX. Although I don't have an update to provide at this time, our team will send you a response when we have more info. 

On XX/XX/XXXX, I contacted Cash App again and this is the response I can confirm that weve escalated your case to the appropriate team, and the team is working to resolve your issue. 

Please do not directly respond to this message regarding your original request. Although I do not have an update to provide at this time, we will send you an email as soon as we have more information. 

The best way to contact Cash App XXXX is through your app, or you can reach us by calling XXXX ( XXXX ) XXXX. XXXX support is available Monday - Friday XXXX XXXX. 

On XX/XX/XXXX, I contact Cash App XXXX phone number provided and was informed that my account doesnt have the latest information and best help via chat. They disconnected 3 times with same response. I have been going thru this issue for XXXX weeks with no response via email or chat.
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (CA)

Beginning in XXXX i sent applications for teacher loan forgiveness. I sent electronically, by fax and by postal service mail. None appear in the I sent correspondences section. They show no correspondences from me. 
Beginning XXXX i called numerous times requesting information about qualifying for the student loans forgiveness, what i needed and what i needed to do, receiving my applications and the status of my application. 
I was told i did in fact have a consolidated loan which qualified for the teacher loan forgiveness. 
I submitted the application filled out by my school district verifying my years of teaching. 
XXXX received notice that my application was being received. 
XXXX XXXX my teacher loan forgiveness application was denied. 
XXXX XXXX response from my request to resubmit my application stating i was denied due to having a parent plus loan inside my direct consolidated loan thereby disqualifying me. I was told my loan qualifies. Their website ( Aidvantage ) states my loan type qualifies. But application was denied.
Consumer complaint received 2024-08-10
Product: Credit 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: TD BANK US HOLDING COMPANY (TX)

On XX/XX/year> I made an online purchase with XXXX. For the form of payment I chose to use my XXXX XXXX store credit card ( Managed by TD Bank ). The order number generated by XXXX was XXXX. 

Later that same day I cancelled the order since I no longer wanted the item previously purchased. I received a confirmation email from XXXX that the cancellation had been successfully processed. 

Double checking my credit card transaction history, I noticed that XXXX different charges related with the cancelled order XXXX had been made to my credit card and had not been reversed. 

I proceeded to call TD Bank to see why this was happening and they told the I had to contact XXXX. I called XXXX and they told me that the had already refunded the money and that I should wait a few more days for it to be reflected. I asked them if they could reach out to TD Bank and let them know, but the said they couldn't do that and that I would have to call them myself. 

I waited a few more days and the charges had not been reversed/refunded. I called XXXX more time to TD Bank and asked to speak to a supervisor. I was kept waiting but never actually transferred to any supervisor. Instead the agent told me that she had spoken with a supervisor and that they would investigate this. I asked for a case number or reference that I could follow up but she told me there was no case number and that I had to wait for them to investigate and that I should receive a letter in my mailbox. I have not received it yet. 

I called XXXX one more time to see what was going on and I asked to speak to a supervisor. Once transferred to XXXX, I was told that they had already made the refund. I was sent an email with the alleged refunds. 

To this day the refunds have not been posted and the latest credit card statement has been generated and have balance of {$1400.00} for an order I had already cancelled on XX/XX/XXXX. 

I have also reached XXXX by chat and didn't get a successful solution to this issue. Basically I have been going back and forth between XXXX and TD Bank and nobody has been able to fix this issue. I will not be paying for this balance nor any interest associated with it since I have already cancelled this purchase on XX/XX/XXXX. 

I am attaching call logs with XXXX and TD Bank, emails, chats, screenshots, credit card statement. I don't know what else I can do for them to fix this issue.
Consumer complaint received 2023-03-26
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: Exeter Finance, LLC. (TX)

I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit.