davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
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. (OH)

There was a data breach in which over confidential information from over XXXX XXXX XXXX was breached and is likely now public knowledge. This includes social security numbers, addresses, telephone number, and other information that could be use to steal one 's identity. I have placed a 90 day fraud alert from all three credit bureaus. I was able to access my reports from XXXX and XXXX, but the Equifax webpage kicked me out and I was unable to access the report. Although there was no fraudulent activity on the XXXX reports I was able to load, it can not be guaranteed that my identity will not be stolen in the future.
Consumer complaint received 2017-09-11
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. (IL)

My information was compromised because of an equifax security breach. I had previously contacted experian, as soon as I saw an unauthorized inquiry on my credit report to investigate this right away, most recently XX/XX/XXXX. I was told that a pull on my credit file is factual and true. On today, XX/XX/XXXXI was told the same thing from Experian, after XXXX confirmed that my  information was stolen. Someone has clearly been trying to use my information to open accounts. Experian is not being helpful at all with investigating the fraudulent information on my credit file. I do have rights as a consumer and Experian has violated the FCRA. I was transferred to a supervisor, she did nothing for me. She just repeated the same script about inquiries being factual. I know that my information has been affected by a breach now. I am certain these inquiries are fraudulent.
Consumer complaint received 2022-04-25
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: General Motors Financial Company, Inc. (IL)

On XX/XX/2022, I logged into my closed XXXX XXXX credit card account. I checked my credit score and noticed that a fraudulent auto loan was on my XXXX credit report from GM Financial. I then contacted XXXX to report the fraudulent loan, then contacted GM Financial to report the fraudulent loan. 

On XX/XX/2022, I receive a letter from XXXX stating that the investigation results are " verified as accurate and updated. '' On XX/XX/XXXX, I filed a dispute with XXXX regarding the results received from XX/XX/2022 letter mentioned in above paragraph. 

On XX/XX/XXXX, I mailed a letter to GM Financial 's Credit Fraud Department, requesting that they remove this loan from my name and absolve me of any responsibility for this loan.
Consumer complaint received 2017-09-12
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)

I was alerted by the news media that Equifax experienced a cyber security hack on XXXX XXXX, XXXX. I used their provided website XXXX to see if my information was compromised and the response I received was " Based on the information provided, we believe that your personal information may have been impacted by this incident ... Your enrollment date for TrustedID XXXX is : XXXX XXXX Please be sure to mark your calendar. '' Because of this, I am in the process of freezing all credit reporting with XXXX XXXX Freeze, Equifax XXXX XXXX, XXXX XXXX Freeze, and XXXX XXXX Freeze. I have also requested a free fraud alert with Equifax to be reported to all other credit reporting agencies.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a 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 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XX/XX/XXXX and requested that this information be removed and/or corrected. As of XX/XX/XXXX this information continues to appear on my credit profile.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

this account with XXXX XXXX XXXX account number XXXX Date Opened XX/XX/2013 was never Past due 30 days six times or more late at any point please help e resolve this issue
Consumer complaint received 2017-09-12
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 information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-12
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. (SC)

I purchased a vehicle from XXXX ( XXXX XXXX XXXX XXXX, XXXX SC ) in XXXX. I have had several problems with the vehicle, receiving empty promises for the issues to be fixed. Once I started to file complaints with XXXX, XXXX, etc, XXXX began sharing my credit information falsely, saying I was denied credit.
Consumer complaint received 2017-09-12
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)

XXXX XXXX, XXXX CFPB : Due to the hacking of the XXXX XXXX XXXX XXXX XXXX at Equifax, XXXX, XXXX, and subsequently, I want XXXX to use the Highest Credit Score that it has calculated for me, rather than any Middle Score, for my recent, XXXX, Mortgage Loan Pre-Qualification. 
XXXX XXXX, XXXX, I applied for XXXX Mortgage Refinancing for my XXXX ARM Loan XXXX, for which my XXXX-calculated Credit Score was about XXXX. 
XXXX XXXX, XXXX, XXXX represented to my XXXX XXXX XXXX XXXXXXXX, that it had Closed on my Refinancing Package for my XXXX ARM Loan XXXX on XXXX XXXX XXXX, XXXX, IL XXXX, XXXX ( XXXX ) days BEFORE my scheduled XXXX XXXX, XXXX, XXXX PM, Closing at XXXX XXXX. 
XXXX XXXX, XXXX, XXXX XXXX XXXX conducted a Walk-Through Appraisal. He entered his determinations into his laptop computer and said that his Appraisal was for {$260000.00}. He then transmitted his computer 's information to XXXX. That day, XXXX represented to my XXXX XXXX XXXX XXXXXXXX, that it had Closed on my Refinancing Package. XXXX sent me Revised Declarations for my Homeowner 's Policy XXXX, with XXXX as XXXX XXXX, for my {$120000.00} First Mortgage, and as XXXX XXXX, for my {$50000.00} HELOC ( Application # XXXX ) Second Mortgage. I received the Revised Declarations, via XXXX XXXX Mail, by XXXX XXXX, XXXX. XXXX would not have sent them merely upon the Refinancing Package Approval, but, only after the Closing, that is, after my Refinancing Package had been legally FINALIZED. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX e-mailed me a reminder of the Scheduled Closing at XXXX XXXX the following day, XXXX XXXX, XXXX, XXXX PM. I arrived there by XXXX XXXX, XXXX XXXX, XXXX. 
I continue to assert my federal civil right to review my XXXX for my XXXX XXXX, XXXX, Refinancing Application. 
I want XXXX to use the Highest Credit Score that it has calculated for me, for my recent, XXXX, Mortgage Loan Pre-Qualification. 


Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX Box XXXX XXXX, IL XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion has an incorrect address on my credit report. It should have XXXX XXXX XXXX XXXX, Ohio XXXX instead of XXXX XXXX XXXX XXXX Ohio XXXX. Transunion also has Employment information that I have never worked at XXXX XXXX XXXX, and Business Owner. Also has XXXX inquiries that I have not authorized anyone to pull my Transunion credit file. XXXX  XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023. Please update to my correct address and remove all other incorrect information
Consumer complaint received 2017-09-12
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. (NC)

I submitted proof of payment for a check that was accepted by XXXX XXXX to Equifax, the check had a restrictive endorsement statement on it. The statement said " cashing means an agreement to permanently remove account from my credit report ''. Instead of Equifax removing the account, they updated the balance of the account and did not investigate the actual dispute, which was that the account must be removed, since the check was accepted for payment.
Consumer complaint received 2017-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

XXXX XXXXXXXX XXXX XXXX amount {$710.00} XXXX NEW JERSEY XXXX XXXX amount {$180.00} XXXX XXXX XXXX amount {$160.00}
Consumer complaint received 2019-10-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

In the beginning of XXXX of this year, I noticed that my credit scores plummeted after I requested an old account be removed from my XXXX  credit report. Instead of following the requests of my dispute, the credit bureau took it upon themselves to file a false dispute. In which they claimed that I filed a dispute requesting that they update my old car payments because they were reported incorrectly. This is false information. I initially filed a dispute with XXXX, simply insisting the account was too old to be on my credit report, requesting that it be removed, because it was still showing it as being opened, which its been closed since XXXX. The company XXXX XXXX XXXX has been on my report since XX/XX/XXXX ( almost 10 years ), and according to law, consumers can request items be removed from their report that are over 7 years old. Instead of following my dispute, they requested all old late payments from XXXX XXXX XXXX be updated on my credit report, which is what caused my scores to drop on all three of my credit reports, also causing the lifespan of the account to start over. I went into a branch to verify why XXXX reported these old payments, and was told that XXXX  requested this information after receiving a dispute from me. The representative I spoke with also informed me that this starts the reporting process over.
Consumer complaint received 2017-09-11
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. (PA)

First let me start with I have been on file noted with the Federal trade as a victim of ID theft and it is clearly noted on my credit bureau files that I am the victim of identity theft, yet I still have all these credit inquiries which are negatively impacting my credit ... I did find out that XXXX about 2 months ago removed everyones credit inquiries and then put them back on, without sending a 5 day reinsertion letter which is a violation of 6.11 of the Fair Credit Reporting Act. I did call in this morning and was on hold with operator, XXXX, at XXXX, XXXX XXXX, XXXX regarding both issues. She is stating she is not able to do anything for me. I did notify her that I would be filing a complaint with both the CFPB and the Attorney Generals Office. 
All inquiries made against my social should be removed. I have not attempted to purchase or open any accounts. I am just finding out about all of this since XXXX and have been desperately trying to fix this disaster.
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (FL)

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from XXXX XXXX XXXX, I never contacted or contracted with this company. I contacted XXXX XXXX XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging their Accuracy and Integrity but with no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Consumer complaint received 2019-10-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

In the beginning of XXXX of this year, I noticed that my credit scores plummeted after I requested an old account be removed from my Equifax credit report. Instead of following the requests of my dispute, the credit bureau took it upon themselves to file a false dispute. In which they claimed that I filed a dispute requesting that they update my old car payments because they were reported incorrectly. This is false information. I initially filed a dispute with Equifax, simply insisting the account was too old to be on my credit report, requesting that it be removed, because it was still showing it as being opened, which its been closed since XXXX. The company XXXX XXXX XXXX has been on my report since XX/XX/XXXX ( almost 10 years ), and according to law, consumers can request items be removed from their report that are over 7 years old. Instead of following my dispute, they requested all old late payments from XXXX XXXX XXXX be updated on my credit report, which is what caused my scores to drop on all three of my credit reports, also causing the lifespan of the account to start over. I went into a branch to verify why XXXX reported these old payments, and was told that Equifax requested this information after receiving a dispute from me. The representative I spoke with also informed me that this starts the reporting process over.
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have three reps from bank of America said there are no fraud charges on my account and the recovery supervisor said I did which three reps said recover miss gave XXXX XXXX inaccurate information and under THE FARE DEBTS COLLECTED ACT if find to be inaccurate it must be removed I would like it removed and if when someone listen to the tapes of my phone calls you will see my Evidence my phone XXXX I can supply date and times I called
Consumer complaint received 2017-09-12
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. (WA)

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

They have put myself at risk of identity theft/fraud due to negligent security protocols in handling consumer information. In attempting to resolve the matter with the company, their only remedy was for them to profit on their gross misconduct by offering to signing me up for " trial periods '' of their paid 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 sold stock immediately prior to the data breach announcement, regardless of whether they were aware of said security breach. 

I demand that they rectify this 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 an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of judgment of who to contact. 

FURTHERMORE, their service of offering a security freeze in compliance with the law is ineffective, as my personally leaked information is sufficient to unfreeze the security freeze without requiring the PIN -- actors with malicious intent could unfreeze my credit simply by saying they " forgot my PIN '' and proving my other leaked details. 

RESOLVED by the above that Equifax is ill-equipped to handle the necessary security protocols necessary to safeguard my and other Americans ' most sensitive data.
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

Webster bank debt collector harrassment Its not only hurting your credit, in about 2 weeks the loan is being forwarded to an outside attorney for further collection. 
That means they could sue you on the note, garnish any job wages, put a lien on property etc. 
I just wanted you to know what was going on with it. 
In order to stop this, one payment, the XXXX/XXXX/XXXX payment would need to be made by end of business of XXXX/XXXX/XXXX. 
Thanks,
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (GA)

I purchased a XXXX camera from XXXX XXXX at the amount of {$740.00} on thursday XX/XX/XXXX, that i never received. I used my discover it card. I corresponded with the merchant for over a month and they ended up not giving me a refund. they told me to call my credit card and I did. I filed a dispute with discover and they rejected my claim within a week. They did not take into consideration the evidence that my item was not delivered ( or misdelivered by the carrier ). The proof of delivery does not even show my address and it did not contain a photo or signature for an item thats almost {$800.00}. Discover rejected my claim very fast and I believe they did not do enough to consider my claim.
Consumer complaint received 2022-04-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (CA)

I leased a XXXX XXXX XXXX through Chase Auto Finance. I was nearing the end of my lease and decided to purchase the vehicle. Through hours and hours of hold music and unhelpful representatives I was finally given my pay off amount of XXXX and the date of XX/XX/XXXX to submit my payment. I XXXXXXXX XXXX  my check for that amount along with all the required information ( Vin #, Odometer Statement, etc. ). I received a confirmation email from the shipping facility I used that the check was received on XX/XX/XXXX. 

I heard nothing for weeks and noticed the amount had not been withdrawn from my bank account. I struggled through the sludgy muck of another all day hold affair with their so called " Customer support ' number and when I finally reached a representative they assured me that they had the check and it would be deposited on or before XX/XX/XXXX. He went on to say that it would be back dated from the day it was received and I would not be penalized with fees or a credit inquiry. 

Today, XX/XX/XXXX, I received a letter from Chase Auto stating I was delinquent on my account and that my car could be repossessed after ten days of the date of the letter which was XX/XX/XXXX. I am beyond upset, flabbergasted, and bewildered that I am being penalized and threatened after following the rules dutifully. I work XXXX hour days and am now once again battling their customer service for answer with the auto lease grim reeper brandishing it's sickle over my life. I am desperate for help and pray that this situation can be deescalated.