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: EQUIFAX, INC. (PA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site 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 that dumped stock immediately prior to the data breach announcement
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. (MD)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They 're attempting to capitalize on the situation by signing injured parties 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 that dumped stock immediately prior to the data breach announcement.
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. (MI)

Equifax had a major security breech & I was identified as one who 's information has been compromised by the hack. As a credit reporting company, it 's their job to make my information secure & take precautions to make sure adequate security is in place to protect that information. Especially when our information is obtained by Equifax automatically as it is with all Americans or persons living in this country & part of the credit system.
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. (NJ)

I am a victim of the Equifax XXXX XXXX. My name is included in the list of potential clients affected. At this stage, I have no idea how badly impacted I have been and am assuming the worst.
Consumer complaint received 2024-05-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I have sent numerous amounts of letters to the creditors they say I owe them. However, they have failed to respond to any of my letters. I have sent letters to the XXXX, XXXX and XXXX in the hopes that they would remove the items from my credit report. They have said that the accounts have come back verified however they have failed to provide me with documentation of proof that these accounts are mine. I have sent letters very month since XX/XX/XXXX trying to resolve the matter. the accounts in question are XXXX XXXX XXXX LVNV Funding and XXXX XXXX
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

I have been attempting to get my credit report reviewed but I 've been unsuccessful. I was a victim of identity theft and I 've sent all XXXX credit bureaus my police report. I 've had multiple items removed and reinserted and when I try to dispute ... .in return I get a letter stating that they have previously disputed this matter and the previous status remains the same. I have yet to receive any verification in regards to these debts and I have sent multiple 609 letters with no success. The accounts are to verify that these XXXX companies are reporting correctly XXXX, and late pays with XXXX. With XXXX I had insurance and advised that the insurance paid the balance but then was later informed that they only paid a portion. I was in the military and was XXXX so I was forced to get out of the military which caused me to be unemployed and unable to pay my bills. This is why I utilized the insurance with these XXXX companies which I was later informed that I still had a balance.
Consumer complaint received 2024-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

I am unaware of this alleged debt. I did not have the opportunity to dispute this alleged debt. I did not receive proper notification. If in fact you believe I received proper notification, please provide the certified mail receipt with my signature stating that I received it.
Consumer complaint received 2019-03-02
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 AM A VICTIM OF IDENTITY THEFT. There were accounts open in my name. I notified the company in writing by sending them notarized identity theft forms and statements, and a multitude of correspondence, yet the fraudulent accounts still remain on my credit report in violation of Federal Law. They stated in both the first investigation as well as the re-investigation that they verified that those accounts and that they were being reported correctly, which was COMPLETELY UNTRUE!! I then, demanded that this company not only tell me who verified these accounts as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), I demanded to know the method of verification as required under Section 611 ( a ) ( 7 ). I also requested that this company send me a copy of the original creditors documentation, or ANY original documentation ( a consumer contract with my signature on it ) as they are required under FCRA to keep a copy in their files to verify that this information is mine and correct. THEY DID NOT DO ANY OF THE ABOVE. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Pursuant to section 605B they are required to BLOCK the fraudulent information on my credit report resulting from identity theft within 4 business days and notify the furnisher of that information, in which they HAVE NOT DONE! THE LAW IS VERY CLEAR AND THEY FAIL TO COMPLY WITH FEDERAL LAW. I have made MULTIPLE attempts to have them delete these fraudulent accounts that were the result of identity theft, off of my credit report, yet the accounts still remain, and this company continues to violate my rights under FCRA.
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. (WI)

My personal information may have been leaked by the Equifax cybersecurity incident on XX/XX/XXXX ( https : //www.equifaxsecurity2017.com/XXXX ) which was reported to the public on XX/XX/XXXX. Their website confirms that my information may be have been compromised ( https : //www.equifaxsecurity2017.com/XXXX ).
Consumer complaint received 2017-09-08
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. (CA)

There is a person with the same first and last name as me and we share a birthday His middle initial is XXXX Mine is XXXX. I have never lived in XXXX or XXXX CA. 
I have had this problem for over 20 years. 
He owes back child support. I am XXXX with XXXX children. 
Please help Thank you
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My XXXX XXXX XXXX  contract has been breached. XXXX XXXX -- a fully registered bank improperly transferred my mortgage to a debt collector that offers non of the banking and financial service products I expected when I entered into the agreement with them. 

XXXXXXXX XXXX has also breached multiple fiduciary and contractual obligations as I have previously stated in my correspondence to them and in the complaint filed with the CFPB. 

XXXX XXXX  retaliated against me in improperly transferring my mortgage as the transfer was immediately after I sent a demand letter to the XXXX XXXX XXXX. 

XXXX XXXX  also failed to provide me the 30 day notice requirement - filing the transfer with XXXX XXXX clerk the day after the notice letter was dated. I never received the notice letter in the mail and only after I requested documents ( multiple times over the courses of several years ) via email. 

I have experienced multiple incidents of harassment, preditory and retaliatory behavior in the course of my attempt to remedy the multiple contract breaches by XXXX XXXX. Please not the attached corrrespondence, inclusive of the detailed description of failure to disclose PMI matters, failure to provide promised forbearance remedies and resumption of my mortgage payments, failure to account for checks sent in good faith as I attempted to resolve this matter. 

Select Portfolios claims that they are unaware of the issues and have not received any of the information I sent to XXXX XXXX however correspondence from XXXXXXXX XXXX  dated XX/XX/XXXX indicates that they were provided with correspondence from me.
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: Experian Information Solutions Inc. (CA)

I have written to professional accounting with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate s through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.
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: Experian Information Solutions Inc. (CA)

Experian did not take normal and expected measures to protect my credit information. As a consequence, my personal information was part of the XXXX 2017 hack. If I were ever given the option by Experian, I would not have allowed them to store my information in the first place!
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. (CO)

Equifax mishandled my information which has led to a breach that puts myself at risk, permanently. 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 my account and notify me if any fraud occurs. I did not choose to do business with Equifax nor grant them permission to host my information. I have never had any direct interaction with Equifax, including being notified that they have mishandled my information ( which, again, I only learned of through social media ). 

I do not want to pay a single cent for any measure of credit protection or ability to review my credit report through Equifax, ever. The damage they have caused me is quite literally irreparable.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax mishandled my information 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 an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when it is clear who is affected by the breach.
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 has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
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 used my report improperly and leaked my personal information to the public. Due to their incompetence, I will forever have to worry about my credit being used maliciously and without my permission. 

This is extra stress and suffering that 143 million Americans did not need.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXhas 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-23
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. (TX)

On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

I have been a victim of identify theft. Someone keeps opening accounts under my name. I made multiple disputes already with all XXXX credit bureaus, but someone keeps putting in their information into my accounts. And its already destroyed my almost perfect XXXX XXXX. And i just need help destroying all this fraudulent activity
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FTC Violations XXXX XXXX XXXX XXXX {$2700.00} XXXX - XXXX XXXX {$5700.00} XXXX  XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX   {$940.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2017-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genesis Credit Management, LLC (AZ)

I was sent a collection letter on XXXX XXXX from a company called Genesis Credit Management saying I owed money to a company called XXXX XXXX XXXX. I have never done business with a company by the name of XXXX XXXX XXXX and there is absolutely no way they can produce a contract or agreement with my signature that says
otherwise. The letter stated that I owed over 2k in charges that I had never heard about and that I frankly, do not owe! I sent off a letter requesting validation. Needless to say, I have not received it but I monitor my credit closely and tonight I received an alert about a new collection account on my credit report from Genesis Credit Management reporting that I owe this debt. That is against the law. They are in direct violation of FDCPA Section 809 ( b ) because they reported it anyway without validating and FDCPA Section 807 ( 8 ) because they reported it and did n't report it as disputed. I have the documentation to back up my claims of validation, that it was disputed within 30 days, when it was sent and I also printed a copy of my credit report tonight and
how its currently reporting in case litigation has to take place. I 'm hoping we can get this resolved swiftly and without legal recourse.
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. (MN)

Through the 2017 security breach, some amount of my personal information was released without my consent. Because equifax has all my credit-related information, this is valuable information to identify thieves. Use of this information by thieves would be a significant financial burden and inconvenience that could lead to lost time, money, and credit standing. 

I believe equifax took too long in informing the public of the breach which increases the likelihood of the stolen information spreading to thieves.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (IL)

***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC has been now twice been informed of UNAUTHORIZED INQUIRIES currently being furnished on my consumer credit report and has now willfully and deliberately failed to remove or block the unauthorized inquiry as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. This agency was only allowed 4 business days after receipt of the Identity Theft notice to remove the disputed items and shall not be granted any further time to address this consumer dispute. This agency has alleged a completed investigation but has failed to provide evidence and proof of my consent, instruction, or expressed written permission for the disputed inquiries to be furnished as required by law. In accordance with Federal Law under the Fair Credit Reporting Act I now require this agency to immediately remove or block from reporting the following unauthorized inquiries : XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX