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. (GA)

I am one of the people impacted by the Equifax hack. The scale of this breach in trust and law is absolutely unacceptable. There should have been adequate safeguards put in place by law more than a decade ago. This incident only serves to highlight the urgent need for more stringent security requirements. Or any decent security requirements in the first place.
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

I sent this company a letter dated XX/XX/XXXX. Pursuant to the FCRA and FDCPA, I requested this company to provide me Validation Documents and listed everything that is required for this alleged debt/item to be validated ( See attached files - a copy of the letter I sent them ) It is now XX/XX/XXXX and I DID NOT RECEIVE the documents I requested. Attached to this complaint is a copy of the letter sent to me by DCI requesting me to provide information about this unknown debt. If I am not mistaken, by law, they are the who are supposed to be providing me with proof that this item is VALID. This company definitely violated FDCPA. To make things worse, this item was already removed from my XXXX report and still is reporting on my XXXX and XXXX credit report.
Consumer complaint received 2017-07-12
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. (FL)

I have been a VICTIM of Transunion inquiry issue, customer service would not help and take care of the negative inquiries reporting on my credit report, I sent them a certified letter to remove the inquiries and made two phone calls, these inquiries was previously moved off my report and when they had their issues with the inquiries showing back up on credit reports it caused my credit score to go down and I was not notified of this issue and by law they are required to notify me. I addressed this issue with Transunion and they still will not remove these inquires.
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XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a formal complaint against TransUnion regarding inaccurate information reported on my credit report. The incorrect information has significantly impacted my ability to access credit and has caused undue financial distress. 
The credit bureau reported that the balanced on the Account for XXXX increased. This caused my credit score to drop significantly because it appeared like I missed payments on this account. I have applied for several credit increases and was denied despite the fact that I still maintain a credit score over XXXX. The account makes it appear that I have a high balance in relation to the credit line. 
Ive sent Transunion a letter to dispute the information and received a response that the account had been verified. 
I have included my correspondences from XXXX, TRANSUNION, XXXX and XXXX XXXX that are related to this issue. You can contact me at my email address for further communication regarding the complaint. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will investigate this complaint thoroughly and take appropriate action to resolve the issue.
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. (DC)

Equifax failed to take proper safeguards on my personal financial information, and the financial information of 143 million others. 

After learning about the breach, but long before they notified the public, company leadership started selling off their stocks. This is unacceptable. 

All aspects of this breach, including the insider trading, must be fully investigated and Equifax must be held accountable.
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. (NC)

Due to the third party hack of Equifax, my personal information ( SSN, date of birth, credit card numbers, home address, telephone number, and other key personal info ) could have been or was stolen. According to the Equifax security site, where they will obscurely tell you if your information was stolen, and mine was. The hack happened in XXXX but we were not told about it until Thursday, XX/XX/XXXX.
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: Experian Information Solutions Inc. (NY)

RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the account in my dispute. I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. Thank you.
Consumer complaint received 2019-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (AZ)

My mortgage company M & T Bank has refused payments they ran check through my bank account XXXX causing NSF, for payment on XX/XX/XXXX then I made payment the check for {$1200.00} came back but money still in my account I did another check for the XX/XX/XXXX and they rejected the payment causing me to go 4 months past due on my mortgage they have not offered any help or assistance to me at all I need help then they told me I ha e ro do two payments at same time which caused to me default because they stoped accepting payments when I was only two payments behind. 
XXXX 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. (CO)

Equifax did not secure their data properly even though the technology to secure mentioned data is reasonably affordable and readily available. Now mentioned data has been breached by criminals. My personal information was part of mentioned data and is now in hands of criminals and will become public. I know this because I confirmed with Equifax today, X/X/17. I should also note that Equifax offered a service to protect against identity fraud, but in exchange they wanted to mitigate my ability to sue them for damages. Also, the service they offered was only free for one year- after which they would make a profit off of me by charging for me to extend the mentioned service.
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. (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.
Consumer complaint received 2019-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (KS)

Debt collection letter from ERC, XXXX XXXX XXXX, XXXX, FL stating amounts owed from XXXX XXXX XXXX service. I canceled my service with XXXX XXXX XXXX over a year ago and paid total balance due at the time of equipment return. I have notified ERC that I paid the total balance due at the time of equipment return and sent them billing statements and receipts to show that the account had XXXX balance. Yet they continue to send letters stating {$150.00} is due.
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. (WI)

Obviously, everyone knows what happened to the breach at Equifax. It took almost two months for them to make it public. When I checked their site it said my info may have been affected. Now I find out that several executives sold their stock in the company before reporting the breach. What is wrong with this picture? The company should be shut down for mismanagement and insider trading.
Consumer complaint received 2019-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have contacted Capital One in regards to an account that was sold to XXXX XXXX XXXX. They claim I owe {$1300.00} in which is reported negatively. They have yet to provide me with validation bearing my signature. I am requesting for this account to be removed from my credit report.
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)

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. 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 who dumped stock immediately prior to the data breach announcement.
They should begin to rectify this heinous breach by making credit freezing free and refunding everyone who paid for it following this data breach. 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, regardless of their " judgment '' of who to contact.
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 personal information in a recent security breach on or around XXXX XXXX. I was made aware of this break during the week of XXXX. This puts me and millions of other people at risk. I am listed as a potential victim on their XXXX website, and would like a resolution.
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)

On XX/XX/17 I was notified that there was a security breach of Equifax. Upon the suggestion of people more educated than I, I clicked on this link : https : //www.equifaxsecurity2017.com/XXXX to determine the potential impact this hacking might have on me. After submitting my information, the result was : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am now in the process of monitoring my credit for fraud that Equifax has exposed me to.
Consumer complaint received 2022-03-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: GOLDMAN SACHS BANK USA (NY)

XX/XX/2021, {$9700.00} was supposedly sent to XXXX credit card ending in XXXX. The balance was less than that but Marcus would not accept the other credit card so I added it to this and XXXX said once they received the funds I could do a balance transfer. 

The funds have not been received by XXXX now I have 2 credit cards that are ruining my credit that should have been paid. 

I contacted Marcus by Goldman Sac XXXX and was continuously told that it cleared on their end and to contact XXXX. XXXX states they have not received it and wants a paper copy of transaction sent to a fax number or their mailing address which they provided. Marcus rep XXXX, myself and XXXX have been on three way calls and nothing can be done without this confirmation. 

XXXX was the processer that Marcus used and is not cooperating with Marcus, XXXX or myself with supplying this information, What should have been a great move has turned my credit score from XXXX to XXXX in two months and I still do not have the funds. 14 more days and it will be 90 days.
Consumer complaint received 2017-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Genpact Limited (KY)

On JXX/XX/XXXX, XXXXXXXX GA sent a letter to me stating that I owed {$25.00} on account number XXXX for a pharmacy charge that was incurred after my coverage had expired. ( Notably, they have already been reported to the GA Bureau of Insurance for their failure to refund my premiums, and they were required to return my funds following that complaint. ) The letter stated I had 30 days to MAIL the balance in full to the payment address listed on their letter, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I followed these instructions exactly. I mailed a check in the exact amount owed to the given address, check number XXXX drawn on XXXX XXXX XXXX XXXX. On XX/XX/XXXX, my check was cashed and deposited into a XXXX XXXX  account identified as being owned by the payee of my check, XXXX XXXX XXXX XXXX of GA.
I have now received another letter, this time from " XXXX XXXX '' with the same account number and mailing address, dated XX/XX/XXXX, stating that my account has been turned over to collections for failure to pay the above owed amount. Notably, this letter is dated before the expiration of the initial 30 day period I was given to pay the charge. Further of note, this letter was sent to me telling me my " debt '' is in " collections '' after the debt has been paid.
XXXX GA is attempting to collect a debt that is not owed, and misrepresented the time period in which I would be permitted to pay the initial charge. I have sent a letter back to them in writing dated today indicating I dispute the validity of this debt. I request that they and XXXX XXXX be sanctioned to the full extent of the law, as this is the second state or federal agency I have had to involve to address their illegal and deceptive practices. Thank you.
Consumer complaint received 2019-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I contacted Kohls requesting validation for an account that is being reported negatively on my credit report. I received a letter from Credit Control in which is the collection agency that purchased the account from Kohls. However, the account is still being reported by Kohls. I have yet to receive validation bearing my signature from either company. They have also failed to respond to any correspondence. I am demanding for this account to be removed from my credit file.
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

The company XXXX XXXX is reporting on my credit report with a debt owed. I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. My next step is to start ligitation against XXXX, XXXX and equifax.
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. (NY)

My personal information, possibly including name, Social Security number, birth date, address, and drivers license number was kept insecurely by the credit reporting company Equifax. This is a company I have no choice but to do business with, as my information is reported to them whether I want it to be or not. As a result of their mishandling of sensitive information, I am now vulnerable to identity theft. 

In addition, after the data breach was detected by the company they delayed in notifying the public, and require affected individuals to check themselves to determine if they were in the data that was hacked.
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. (DC)

Equifax allowed ( an ) unknown individual ( s ) access to all of the identifying financial information of almost every adult American, myself included. 

The US needs a new, better way to manage credit. Having three credit bureaus control this information is ridiculous and the problems that will come from this leak will be disastrous.
Consumer complaint received 2021-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (AL)

Amsher collection service are trying to collect a debt that I dont owe the account was a charge off they purchased the debt from the hospital and trying to make me pay for it they are very rude about how they contact me I would like to dispute all charges I was a victim of identity theft in XXXX  and I dont owe these debts
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NH)

I put a security freeze on my Equifax account yesterday, due to the data breach. They charged me {$10.00}, and tried to get me to sign up for their protection program ( where I would lose class action status. ). I told them I only wanted the ability to freeze my credit for free. I spoke to two different managers ( including a XXXX. XXXX  who refused to provide a first name and phone number. ). No one would help - they forced me to pay {$10.00} for something they should be offering for free. Profits before protection, apparently ....
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. (NC)

I am filing a CFPB complaint against Equifax regarding the XXXX XXXX, 2017 loss of consumer data in which I have been identified as a potential victim.
Consumer complaint received 2024-02-17
Product: Credit reporting 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)

Reviewed most recent credit report from Transunion and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have any records of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA, I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2019-03-02
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gallatin Valley Financial (MT)

XXXX XXXX of XXXX XXXX XXXX has been harassing me for weeks. He has been told several times to stop calling me at work, my dad 's business and my wife. I tried to correct the issue to the best of my ability. Offering a payment plan and a lump sum payment down the line. He now blocks his number when calling as it always shows up as Unknown. I am sick and tired of my phone constantly ringing. He also made multiple attempts to charge an FSA card after being told it would not work by the FSA company. He then tried to charge my bank account for {$2600.00} without my knowledge or consent. He also sent a text to my cell phone from his personal cell phone.