davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
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)

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. 

As a recent adult and current college student with very little experience in the world of credit, this could potentially ruin my credit for the foreseeable future, and make applying for student loans, mortgages, jobs, or housing a nigh impossible task, as my credit does not actually represent my personal finance. 


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.
Consumer complaint received 2021-07-20
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I had a delinquent report on my HSBC Credit card since the auto pay was returned due to non sufficient of the funds on XXXX XX/XX/2020. However, I have the HSBC Select Line of Credit for Overdraft Protection, which was setup to cover for non sufficient funds on the checking account. The HSBC Select account should have handled this case and there should not be a delinquent report. 

HSBC customer service said - " The HSBC select credit account will not cover for HSBC Credit Card payment as per the EZ pay policy ( auto pay ). " - They also mentioned this information is only showed at the time of enrolling the auto pay service. This is completely false. There is no mention of that. 

Here is what it says in a very small box during autopay setup : " Note : If there are not enough funds in your bank account to cover your payment, your credit Account will be charged a Late Payment Fee, as disclosed in your HSBC Cardmember Agreement. In addition, your bank may also charge a returned check fee. Your enrollment in the AutoPay program may be cancelled due to returned payment history on your Account. ''
Consumer complaint received 2017-09-14
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. (NY)

According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.
Consumer complaint received 2019-11-06
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. (TX)

File a dispute with Equifax in regards to by bankruptcy that listed an incorrect court address and date reported. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX Phone : ( XXXX ) XXXX when it actually XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX They came back claiming it verified, but have not correct the issue at hand, I sent in additional request for method of verification as well as removal. 

Not correcting date reported : It XX/XX/2017 rather than XX/XX/2017 Please see attach Equfiax Report Not from the original furnisher itself, and given past court cases in this regard has proven not be 100 % accurate.
Consumer complaint received 2019-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Account was closed by USAA for no reason and was not even giving a cause for being closed. Had been approved for a XXXX XXXX with them and had opened a savings account and a Mutal fund and all were shut down without cause. The only reason I was given was there was so flaws with my application and something did not match up which I provided them with all the requested information. I plan on filing a lawsuit with USAA if they do not resolve my concerns this is not how you treat a customer. You cant accuse or close someone account without giving them a reason and the reason I was giving had nothing to do with me, because I selected a car dealership which I did not know had issues with usaa they should not have closed my account. I'm so upset about this and I will file a lawsuit because this is not right nor is it fair.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

I had an insurance claim incident at my home and went through the process of making the claim and having the money sent to my mortgage company ( XXXX XXXX ) having them inspect the property after repairs were made, finally getting the funds back to pay the contractors and put the whole incident behind me. A small check of about 1 % of the total claim was paid separately and again submitted to XXXX XXXX in mis XXXX. XXXX XXXX has since sold the mortgage to LoanCare who is holding this check. I have provided all contact info of past mortgage company, insurance adjustor and contractors to LoanCare and they are still not releasing the funds or sending another inspector out to the house claiming they need more information and release of liens from contractors which my contractors said that they have provided. Do some work yourself LoanCare and stop holding peoples $ $ you are scammers.
Consumer complaint received 2021-02-24
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. (TX)

XXXX XXXX continues to report to Equifax ; XX/XX/XXXXand XX/XX/XXXX that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2017-11-06
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: Experian Information Solutions Inc. (TX)

I have disputed the XXXX XXXX & XXXX ( XXXX Apartments ) accounts with Experian and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX system that lacks integrity. Anyone can verify a name and address but that does n't make the account mine at all. I even sent in my Identity Theft Affidavit for the accounts to be deleted within 5 business days and that has not taken place. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.
Consumer complaint received 2023-01-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

DISCOVERIT CREDIT CARD, I had complained to this company about the XXXX XXXX charged, I never authorize {$99.00} with phone number PH : XXXX response were : " box full '', no matter how many times I called. This is the second month this same charge showed up again and billing me again. This exact same charge was removed last month, but today I received the same company charging the exact same charge again, so I went online as their phone response directed me to go at : Discover.com. I noticed that on my online account it shows the exact same amount but on the next space it shows and it states : '' NO transaction to view ''. I then started to fill up their survey with a very bad review and then their software is messing up my notes I was typing in. Their online CHAT name XXXX started to read and started view the notes I had written, then few minutes later while I was waiting for him, the online chat disappeared.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I did not consent, nor benefit from, or authorize any of the following Accounts : 1. Portfolio Recovery Associates LLC- report furnished by Portfolio Recovery Associates LLC 2. Portfolio Recovery Associates LLC - report furnished by XXXX. 

3. Portfolio Recovery Associates LLC - report furnished by XXXX. 

4. Portfolio Recovery Associates LLC - report furnished by XXXX XXXX XXXX. 

Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.
Consumer complaint received 2019-11-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (TX)

During the application process for a Sallie Mae loan, I was not informed about the type of loan I was going to be receiving nor was I informed on the start date that the repayment would go into effect. Notwithstanding, the repayments went into effect immediately the loans were disbursed. And to settle the loan repayments, I called the company on XX/XX/2019 to attempt to lower my payments and they presented me with a monthly payment option of {$270.00} per month. Unfortunately, I earn less than {$1000.00} a month and when considering my other expenses, being able to cover that monthly bill becomes unrealistic. After I voiced my concerns to the company, they informed me that the only option I had available was to put my account in forbearance. And due to my limited funds available, I agreed and put my account into forbearance until XX/XX/2019. Before it was XX/XX/XXXX, I called the company yet again and they advised me that by not making a payment and waiting until after XX/XX/XXXX when the account is no longer current and calling the collections department, I would be able to lower my monthly payments. After I called the company XX/XX/2019, I was then redirected to numerous departments- customer service, collections, the account manager line, without making headway. While on the phone with the collections department representative, I was commanded to call back tomorrow and to request for the SSGR  program that it will lower my monthly payments and that I qualify for it, no questions asked. But when I called in XX/XX/2019, I inquired about the SSGR program and was told that I did not qualify. I even asked it there was something available to me that would lower my payments, being that I am now no longer current, and 2 days passed the payment due date, however, I was once again misinformed, misguided and left without reaching any plausible solution. There was no payment option lower that would fit my financial situation. Whenever I heard this, I asked what else I have available if my payments can not be made and the customer service representative replied and told me that if payments were not made the only thing they could do for me is register a delinquency on my credit report. Thereafter, I asked to speak to a supervisor and she completely shut me off, stating that there was nothing she could do and that moving the payment due dates to a later was impossible. She also stated as with the customer service representative that I did not qualify for the SSGR  program.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-01-09
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I made an in person deposit of a check from another financial institution I do business XXXX XXXX XXXX XXXX ) with at a local XXXX, XXXX  XXXX location of Bank of America on XX/XX/23. I did so in person to ensure I understood what ( if any ) holds would be placed on my deposit. 

At the time the deposit was made, I was provided assurances from the teller, on my deposit receipt, and upon consulting the mobile app that my funds would be available to cover debits the next business day, on XX/XX/23. Despite these assurances, a secondary hold was placed on my deposited funds and I have been told they now will not be available as promised. 

While I understand that there was the possibility of the funds being held prior to making the deposit, once assurances were conveyed to me in writing, the financial institution is obligated to adhere to making funds available. 

I have confirmed that the funds have cleared and posted from my account at my other financial institution at that they are now in Bank of Americas possession. 

This unwillingness to provide me access to my funds is in violation of their deposit agreement, their terms and conditions, and is tantamount to fraudulent business practices. 

Copies of the receipt, their deposit hold FAQ from their website, a screenshot of the transaction being held, and proof funds have cleared my other financial institution are attached herein.
Consumer complaint received 2023-01-09
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-14
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 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 something the victims should be responsible for.
Consumer complaint received 2018-09-26
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. (TX)

XXXX XXXX incorrectly reported a 120 day late payment on my credit report. I disputed the error. XXXXXXXX XXXX sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, XXXX continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.