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: Experian Information Solutions Inc. (OH)

According to the XXXX website, my information was compromised in their security breach. To me, it is astounding that a company with SO MUCH personal information could allow their security to be so lax. They are offering protection software, but 1 - I do n't want to waive my right to sue them or be a part of a possible class action lawsuit, and 2 - why would I trust them to 'protect ' my identity when it was their deficient security that caused this problem in the first place? I WILL NOT be enrolling in their security protections offerings.
As for this particular incident, it is " too little, too late ''. My information was most likely hacked, and these hackers probably have my social security number, which is MY ONLY FORM OF NATIONAL IDENTITY IN THIS COUNTRY. It 's not like Americans have a national picture ID or national ID number that we can rely on.
I have pulled my credit report from XXXX XXXX. I was unable to receive my credit report online from XXXX and Experian from the XXXX  because the XXXX page froze when trying to access my credit report, so I will be submitting an application by mail. I have also put a temporary fraud alert on my account through XXXX XXXX as I was unable to do so from the Experian website and I do n't trust XXXX  with anything right now. I will be monitoring my credit closely.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

After the Equifax data breach I attempted to obtain my free credit report ( via internet ) from the three credit reporting companies. On XXXX XXXX, XXXX I was able to get my credit report electronically from XXXX, but was unable to do so from XXXX and Equifax. On that date, I mailed the Annual Credit Report Request Form ( including required IDs ) to Equifax and XXXX. 

On XXXX XXXX I received my credit report from XXXX, but to date ( XXXX XXXX ), I have yet to receive any correspondence from Equifax. I have tried calling several times, but my call has been disconnected. There were errors on both my XXXX and XXXX  reports and I 'm concerned that there are errors on my Equifax report, but I have no way of finding out. 

Please advise on the best way to obtain my credit report from Equifax.
Consumer complaint received 2017-08-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Navient has been reporting late payments on all 3 major credit bureaus. I know for a fact that they were deferred. I have never faulted on my student loans. Yet, Navient has reported late payments between the months of XXXX through XX/XX/XXXX on 5 of my student loans. I 've made attempts to rectify this error but have been completely ignored. I 've sent 4 certified letters on XX/XX/XXXX and received no resolution. Although all my accounts are paid and closed, this major error is affecting my credit worthiness. I just do n't understand how they are allowed to stay in business and do this to people.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

While doing a recent review of my credit report. Ive noticed that their are a few accounts that were disputed with your bureau ( Experian ) that I have also submitted with XXXX XXXX and XXXX. **** These accounts are listed with your bureau ( Experian ) as they were with the other two bureaus. Disputes were sent out to each bureau at the same time with the same verbiage. 

By law each bureau has to abide by the laws of the FCRA. 

XXXX XXXX and XXXX are reporting different from what you are reporting. Each account on your bureau report ( Experian ) has / had the same account number and identical information and at the end of your investigation your bureau ( Experian ) stated that they verified it with the furniture or guarantor. The other bureau has done the same and have received different results. 

If this is the same account thats being reported by the same creditor, how are these numbers and other verbiage different? How could the verification process be the same and receive different results? How could all three bureau follow the rules of the FCRA and get three different results from all three bureaus? XXXX is responding back that the information is true and correct and has updated or deleted the item. So has XXXX! So why does your bureau ( Experian ) find it probable cause to continue keep incorrect information and not delete or up date it if in your verbiage has been verified by the guarantor/creditor? 

( Is the bureau using a computer verifying system or is their a ****human ~~~~taking out the time to make sure that the information is correct? ) Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete these accounts immediately because of the negligence from the original creditor to the credit bureau and in inaccurate verification from your bureau ( Experian ). 

I have enclosed a screenshot and other information for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

My previous address was XXXX XXXX XXXX XXXX XXXX NJ XXXX, which is correct, however they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX making it sound like a apartment instead of a single family home, which is wrong. Instead of deleting it, Experian puts it as an update, keeping it on my record. What is so hard for them to understand that's it's wrong and I want it off my record. I've complained at least 3 times about this and they are not budging.
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 credit information and because of their breach I am now listed as a potential victim according to their equifaxsecurity2017.com website.
To save money, the company has not properly placed the security measures necessary to handle the sensitive credit information they hold, and their actions have harmed 137 million people. Their executives were reportedly aware of the breach and chose not to report it to the public, and instead elected to sell a significant amount of their shares outside of 10b5-1 scheduled trading plans just days after the breach. They need to be investigated for insider trading and face prison time.
I am being offered to enroll in their complimentary identity theft protection for one year, however the magnitude of this incident may affect me for many years to come, if not forever. I would like a resolution on this matter.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently got a credit report on free annual credit report and saw a fraudulent account reporting on my credit. I contacted the company on XX/XX/2023 and they couldn't verify any information that tied to this fraudulent accounts. I called the credit bureaus on XX/XX/2023, and i was told to get a FTC report. XX/XX/2023, i mailed the documents with my Drivers license and Social. I still havent got any corresponding from them. This is causing alot of stress.
Consumer complaint received 2019-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (MS)

I have sent a letter of debt validation to this company to validate the accused debt. This company has failed to validate this debt as requested within 30 days of receipt request. Therefore I have attached a copy of the proof of delivery by the USPS in record that they did receive the request.
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 which has led to a breach that puts myself and millions of others at risk of identity theft and credit fraud. I am extremely disappointed with how Equifax has handled the 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 from Equifax despite their knowledge of the data breach since late XX/XX/XXXX, and instead am just now learning about it in the news, on XXXX XXXX, 2017.
Consumer complaint received 2019-03-02
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: Experian Information Solutions Inc. (MS)

I have contacted XXXX XXXX XXXX ( XXXX  ) in regards to a charged off savings account that is showing on my credit report. I have tried to negotiate to have the account deleted from my report. However, XXXX refuse to remove said account from credit report as this account is a savings account that was overdrawn. The reporting account is not a loan or installment account. I received documents in the mail as requested from XXXX. In those documents I received, there is no where in any clause, subtitle, or paragraph that states that if there is any indebtness of a savings account, XXXX will report to the credit bureaus in the event of charge offs etc. XXXX is improperly using its authority to report improper account information on my credit report. Said account is overdrawn in the amount of {$350.00}. This savings account dates back to XX/XX/2016. This credit union have on time payments being reported since then. I repeat this is not an agreed loan, installment loan or no account to that nature but a savings account.
Consumer complaint received 2017-10-17
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: Experian Information Solutions Inc. (NJ)

This letter is a formal complaint that Experian reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The information listed below appears on my credit report but I did not make or approve of these transactions. This happened because of identity theft. 
XXXX XXXXXXXX XXXX Opened Date AXX/XX/XXXX Highest Balance {$170.00} XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$290.00} XXXX XXXX XXXXXXXX Opened Date XXXX XXXX, XXXX XXXX XXXX  XXXX Opened Date XXXX XXXX, XXXX Balance {$2500.00} XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$480.00} XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$300000.00} XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$580000.00} XXXX XXXX XXXX Balance {$2700.00} Opened Date XXXX XXXX, XXXX XXXX XXXX XXXX Reference Number XXXX Date Filed XXXX 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. (CA)

Equifax announced on XXXX XXXX that the suffered a massive security breach which may have compromised the personal data for millions of Americans. I checked the " https : //www.equifaxsecurity2017.com/potential-impact/ '' website to see if I was potentially impacted. The website stated that my information may have been compromised.
Consumer complaint received 2019-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

It started on XX/XX/XXXX and concluded on XX/XX/XXXX. The problem started when my former associate and I were exchanging services for payments. I agreed to do the services he requested in exchange for equal value, and it was going smooth up until the week of XX/XX/XXXX. He started saying that he didn't have to do the things I asked him to do and kept making excuses up until XX/XX/XXXX when he blocked me after he got the money from PayPal 's chargeback system. I have pages and pages of conversations of him and I agreeing to the past deals in question and doing the services. 
Transaction dates : XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} I can provide screenshots of the PayPal conversations and conversations with the individual in question if needed
Consumer complaint received 2019-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NJ)

I sent a letter to dispute this account as well as validation .... no validation was sent as to prove 100 % accuracy. I recieved no copy of charges of the bill, signature and/or social attachment proving this account belongs to me. Since they failed to provide any proof : 1.Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4. Show proof they have the legal right to collect in my state.

Not only that, that is a violation of HIPPA laws.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I have contacted XXXX XXXX XXXX ( XXXX  ) in regards to a charged off savings account that is showing on my credit report. I have tried to negotiate to have the account deleted from my report. However, XXXX refuse to remove said account from credit report as this account is a savings account that was overdrawn. The reporting account is not a loan or installment account. I received documents in the mail as requested from XXXX. In those documents I received, there is no where in any clause, subtitle, or paragraph that states that if there is any indebtness of a savings account, XXXX will report to the credit bureaus in the event of charge offs etc. XXXX is improperly using its authority to report improper account information on my credit report. Said account is overdrawn in the amount of {$350.00}. This savings account dates back to XX/XX/2016. This credit union have on time payments being reported since then. I repeat this is not an agreed loan, installment loan or no account to that nature but a savings account.
Consumer complaint received 2023-01-31
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-04-06
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$360.00}.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (OR)

My data was hacked as part of the Equifax hack. It would be great if Equifax pays to put a credit freeze on all 3 credit bureaus.Right now, they are not doing that. please put pressure on Equifax to protect its consumers and right the wrong done. Right now, they provide a 1 million credit theft insurance but I have to discover it 1st and then spend umpteen hours with credit bureaus to fix it and fill up umpteen forms. Putting a freeze on my credit bureau accounts prevents it in the 1st place. 
I signed up on their www.equifaxsecurity2017.com site but as i said it does n't put a credit freeze on my account on the 3 credit bureaus as recommended by XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

These companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX bought my information from another company without my consent nor did I authorize anyone at these companies to do so. According to The Fair Credit Reporting Act, this is illegal.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am a identy theft victim and have this on all 3 bureaus and someone opened several accounts without contacting me to confirm now portfolio recovery associates has purchased these and has been hounding me for money I am XXXX and can barely afford my bills but they have taken it upon themselves to hire lawyers and sue me for this debt I had already sent each company a police report before they sold the accounts I have been bullied into paying to of these to stay out of jail the credit bureaus say they investigate and always find in favor of portfolio this is very stressful and wrong
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. (TX)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social  security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if  it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.