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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have a lot of inquiries on my credit that I am not aware of. I saw a inquiry from a car place called XXXX  on XX/XX/XXXX then I see another one from a XXXX XXXX dealer also on XX/XX/XXXX and I see another one and XXXX XXXX  also XX/XX/XXXX I have not went to a dealership it tried anything with XXXX XXXX the only inquires I made were with XXXX XXXX XXXX and XXXX. The rest I am not aware of and would like to see disputed off my credit because I have never applied for any other credit card besides XXXX XXXX and XXXX XXXX.
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NC)

Shellpoint Mortgage has granted a 2 week stay of the foreclosure sale of this property. We have an offer to submit. However, repeated calls to Shellpoint Mortgage are not returned. Similar circumstances have prompted previous complaints ( XXXX ). Reached the Loss Mitigation Department, in the XXXX SC office, only to find out that only a certain team is handling this file. No one can provide an update, nor could anyone assist. It turns out that the " Special Team '' handling this file, which the investor is XXXX XXXX XXXX, is based in XXXX, Texas, and that QUOTE : " no work is being done at the XXXX  Office, due to the flooding, until further notice ''.
We have an offer, and no Shellpoint Staff is available to work this short sale.
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc. (TX)

On XXXX18 between the hours of XXXX some guy called my work and said to me Don't hang up! i said don't called me at Work..he insisted talk and I told him I can't talk to you. He keep talking .... And told me that if I didn't pay the will she and garnished all of my belongings and that it was a crime. I told him I can't talk on the phone. I had customers waiting forms to help them, here I'm tell this guy from XXXX XXXX XXXX  to STOP. So he said is there another number i said you have it. Don't call this number. I told him that I couldn't afford to pay ...
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (AZ)

RE : CITI card XXXX XXXX XXXX XXXX In an industry of horrible " customer service '' CITI gets the gold for worst of all. I submit that CITI does NOTHING to " resolve '' disputes. To wit : I have disputed the purchase of airline tickets. My documentation proved that, at least, part of my complaint was air tight. CITI declined the whole dispute. However, with the help of the Arizona AG the offending company reversed the entire charge. CITI refuses to do so. CITI never informed me of their inane decision. I saw the initial reversal on my bill. They say they asked for documentation with a form they sent. I never received that form. This company is a XXXX to consumers and should not be allowed to harass and steal from us.
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)

Today XXXX/XXXX/17 I was informed there was a major breach of my personal information being stored by Equifax. It was shared without my permission in a database that was not sufficiently secure. I was directed to log into a site setup by Equifax which prompted me for even more information then what is traditionally requested when verifying a person. They asked for 6 digits of my social security number vs. the standard 4 and my last name. I could n't believe I had to transmit this information again and trust that the connection was actually secure this time around. Regardless I went through the process and found that all of my data was in fact stolen. I feel violated that they lost all of my PII, and have heard horror stories of how difficult it is to reclaim your identity once it has been stolen. The risks that were taken are completely unacceptable at their level and something needs to be done to ensure this never happens again. Additionally they have known about this problem for months and just sat on it. With 143 million potential victims we should have been aware of this problem a lot sooner. I am very disappointed as this is supposed be one of the institutions we can trust this level of data with and clearly we have been betrayed.
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. (AR)

On XXXX I found out that I was was affected by the Equifax security breach. Equifax demonstrated a blatant lack of security by storing sensitive, personal information on their servers in a plain text file instead of an encrypted file.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/2020, I filed a complaint against XXXX XXXX XXXX ( XXXX ) also doing business as a part of XXXX XXXX XXXX. Please refer to CFPB complaint XXXX. As a resolve to that complaint, I requested the following : " I need XXXX to correct the error to my account to show {$0.00} balance, correct any erroneous information reported to the credit bureau ( s ), and send me documentation designating this account has been paid in full along with the title to the vehicle. '' XXXX did NOT correct the erroneous information reported to the credit bureau ( s ) which caused my credit score to drop 93 points from XXXX to XXXX. I have filed a dispute with XXXX. However, the onus should be placed on XXXX to correct the messes they have created. I should NOT be required to file disputes with all those to whom they have reported erroneous information, especially since I have no idea to whom that may be. I just happened to have the XXXX account and received notice of the error. 

Please help, again. 

Thank you!
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. (TN)

As of XXXX/XXXX/XXXX, Equifax tells me that their extensive records of my personal information may have been stolen, putting me at high risk for identity theft. 

As a XXXX adult who is interested in making investments and becoming a homeowner soon, this is very distressing.
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. (OR)

this is part of that huge equifax problem that 's been reported in the news recently. I went to the site and entered my information and was told my information was probably stolen. I do n't want to take advantage of the XXXX offer because of the arbitration clause and that I will start getting charged for the service after a year. I feel this is a shameless money grab. Equifax failed to keep my information private and did nothing to inform me until this week when they knew about the breach over a month ago.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX I submitted a complaint about my XXXX mom 's bluebird account. I received a letter on XX/XX/XXXX from the company requesting documents from me, I faxed the documents to them on XX/XX/XXXX. I then spoke with them on the same day. They told me they were going to process the check which would take 5 days and send the check out which would take 10 days. I am concerned that I have not received it yet. I spoke with a representative of the company today, and he said he can not give me any information on whether the check was sent out, I have to sit and wait here forever. It is not their money to keep. I do n't know why they wo n't talk to me, as they can not speak to my mother as she is XXXX. my CFPB Ref. No. is : XXXX Ref : XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

i never owed this debt and there claiming i owed it they lied in your response i have a letter from synchonry that says otherwise they need to be investigated for illegal collections tactics this was there previous response Crown Asset Management ( 'CAM ' ) is in receipt of XXXX XXXX XXXX CFPB Complaint Case # XXXX. As stated in our Consumer Relations Policy, in all that we do, we strive to treat consumers with respect and integrity. We are committed to engaging in dialogue that is respectful and constructive, creating solutions for our consumers that resolves their debt, and ensuring that those who work on our behalf adhere to these same standards. Our investigation of this matter indicates that XXXX XXXX XXXX XXXX opened a XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) XXXX 's XXXX Business Credit Card account ending in XXXX on XX/XX/XXXX, for which XXXX XXXX is the personal guarantor. From XX/XX/XXXX until on or about XX/XX/XXXX merchandise including, but not limited to cat food, cat litter, cheese, deodorant, and approximately {$8700.00} in gift cards was charged to the account without any payments thereafter. The account was charged-off on XX/XX/XXXX, and subsequently purchased by CAM on XX/XX/XXXX. Additionally, and as part of our investigation CAM is unable to confirm XXXX XXXX XXXX XXXX has filed bankruptcy as stated in the complaint. However, since a copy of the credit application, or similar original account-level documentation, confirming XXXX XXXX is a personal guarantee is not readily accessible at the time of this response, CAM shall cease future collection efforts from XXXX XXXX until said documentation is received.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Based on the finding out of the XXXX data breach, I decided to protect myself by thoroughly investigating my own credit report and doing research. I own a XXXX XXXX, XXXX, and XXXX XXXX card and recently applied for another one and was approved. Upon seeing things affecting my scores I discovered 14 hard inquiries, with many of them the Same one twice and all within a week of each other. I have purchased XXXX XXXX to protect myself and I am going to be placing a fraud alert as well. I am working on my credit to be able to apply for a house loan next year and need these unauthorized inquiries off. I have contacted XXXX XXXX2017 please help me remove these inquiries from all CB please
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 has mishandled my personal information, allowing it to get into the hands of those it does n't belong to. I am listed as a potential victim according to the equifaxsecurity2017.com website. Equifax did n't notify anyone quickly enough and openly admit that they wo n't notify everyone.
Consumer complaint received 2021-11-30
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. (TX)

I am requesting credit inquiry that were unauthorized be removed from my credit report. Description of Disputes inquires : I never Authorized theses : I Demand written verification and documentation that the inquiries actually took place immediately. Proof of my permission for them to pull my credit. You can't verify all of the details, inquiries need to be removed. Validation I am requesting that you remove this information from my credit report. Thank you for your help in this matter. This is a request to remove the following inquiry that were made without my expressed permission : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX ( TXXXX ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX ( XXXX ) - XXXX XX/XX/XXXX ( XXXX ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX  XXXX - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( TRANSUNION XXXX - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX - XXXX  XX/XX/XXXX ( XXXX ) - XXXX XXXX  XXXX XX/XX/XXXX ( XXXX XXXX - XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ) - XXXX  XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX XXXX XXXX  ) - XXXX XXXX XX/XX/XXXX ( XXXX ) - XXXX XXXXXXXX XX/XX/XXXX ( XXXX XXXX  These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. Nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) WHICH is questionable as well. Under the FCRA, the burden of proof lies on the bureaus you are the one allowing fraudulent information to report on my credit report. HOW DID YOU Verify? Please send me a description of the procedures used in your investigation. Thank you for following the ethical standards set by the FCRA and removing these inquiries.
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)

With the recent data breach affecting Equifax, I am concerned with the security of my credit/personal information at their bureau. In effect, the security at other bureaus concerns me as well.
It worries me that 1 ) the hacks were known nearly a month in advance of the reports breaking about a breach and 2 ) recent reports have shown 3 managers sold stock in the company before the hacks even happened, leading to a suspicious narrative around inside gaming and trading.
The result of this breach, if the reports are to be believed at their worst conclusion ( personal data is now public ), I can never truly feel protected from identity theft, or worse, even by our most trusted institutions, and must have permanent restrictions ( such as credit freezes ) on all my accounts to protect my identity and financial security.
As a concerned citizen, thank you for looking into this.
Sincerely, XXXX
Consumer complaint received 2017-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I sent out my mortgage check ( check # XXXX - {$1000.00} ) via mail paid to the order of Connecticut Housing Finance Authority on XX/XX/XXXX. The address on the envelope was incorrect and got sent to an address to a Towing Truck Company. On XX/XX/XXXX, the check was cashed and my funds were released to I presume the Towing Truck Company through a XXXX XXXX XXXX in Illinois. My mortgage company did not receive any type of payment for that month. I also want to note that check XXXX was not endorsed and Citizens released the funds anyways. On XX/XX/XXXX, my bank, Citizens, sent a letter to XXXX XXXX XXXX about this transaction. I was told that XXXX has 90-120 days to respond. Tomorrow would be 90 days so I called Citizens to get an update. They told me that they contacted XXXX yesterday and XXXX told them that they " lost '' the claim, so they faxed them it again. I contacted XXXX today and I was on the phone with them for almost one hour, handed off to 4-5 different people, me telling the same story and getting the same response. I told them I have had enough and that I will be pursuing legal action. So just to make sure I contacted my mortgage company to inform them that I will be making a formal complaint against XXXX and Citizens. I wanted to give my mortgage company a heads up just in case they get asked questions regarding my situation. I was put on hold and she told me that XXXX reached out to them on XX/XX/XXXX in giving me a credit of the full said amount and that the cashiers department in my mortgage company is working on getting a credit applied towards my mortgage. I was told by my mortgage company that to give them a couple of weeks to check back to see if my account has been credited. Today, XX/XX/XXXX I contacted my mortgage company and they said that XXXX will issue the refund towards my citizens bank account. I called Citizens and they have not heard from XXXX since XX/XX/XXXX. I told them what happened when I talked to my mortgage company and they will reach out to XXXX today. I then called XXXX and told them I was reporting them to the CFPB and to put that in their notes. I am appalled at the lack of competency in the 4-5 XXXX customer service representatives to tell me that the issue was supposedly resolved, but there was nothing in their files, but clearly is not resolved. There is no reason why this is taking so long. I am disgusted by XXXX and Citizens on how they are handling this claim. Both parties were incorrect and I question the training of the employees of both companies. I just want my money back that is owed to me so I can move on with my life. Attached is the letter from Citizens reaching out to XXXX on XX/XX/XXXX. Thank you.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (MI)

Victim of Identity Theft - Now being garnished and threatened with Tax Refund confiscation. Reported it in XX/XX/XXXX FTC Report Number XXXX. I am continuously being harassed and now being garnished for an account that I did not authorize. 

I worked overseas from XX/XX/XXXX through XX/XX/XXXX. I spent time in both XXXX & XXXX, with periodic home leave documented. POA was drawn and signed to provide oversight and maintenance of assets and executed for my affairs to be managed & decisions exercised in my name AND FOR MY BENEFIT. Excluded in the POA are actions that would cause my assets to become unstable, diversion of my assets to the Agent, Agents accounts, Agents creditors, Agents estate, securing personal loans or attempting to defraud me of funds & assets is not a provision of the POA. A formal revocation has been executed. Total missing assets {$25000.00} ; Total funds diverted {$170000.00} ; Total funds defrauded {$400000.00}. 

Account in reference : CitiBank XXXX Amount now XXXX and garnishments continue
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)

The XXXX at Equifax let people take my private info. I do n't know how any company that deals with information in today 's modern age can be so incompetent but they apparently want to be the next enron so I 'll be seeing them in the class action lawsuit!
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. (VA)

On checking today, XX/XX/XXXX, because of the news of the Equifax hack I found that my information may have been exposed to hackers. I believe that this is because I use services that use Equifax to report on my credit score. Unfortunately now I have to put alerts, warnings and closely monitor my accounts to ensure I 'm not taken advantage of because of Equifax.
Consumer complaint received 2017-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (CA)

XXXX XXXX in XXXX, CA was supposed to be doing a student loan forgiveness program. XXXX XXXX XXXX is the representative that handle everything. She gave me the name of Equitable Acceptance to make my payments to. The initial payment was {$150.00} and the remainder was {$49.00} for 33 months for total loan forgiveness and removal from my credit report. Equitable Acceptance showed up on my credit report as a loan of {$1200.00}. I called Equitable Acceptance at XXXX, which is the number given to me by XXXX XXXX and that is not a good number. My loan was consolidated and is now with XXXX Department of Education XXXX XXXX with a payment due to them currently. I did not authorize this and this is also not the agreement that I had with them. My case id with XXXX XXXX is XXXX