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. (WI)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put me 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
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. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

THE NEWS HAS REPORTED THAT EQUIFAX INFO ON MORE THAN 140 MILLION PEOPLE WAS  COMPROMISED IN XXXX. DOES NOT EQUIFAX HAVE THE RESPONSIBILITY TO NOTIFY THOSE WHOSE INFO WAS COMPROMISED? WE SHOULD NOT HAVE TO SIGN AWAY OUR RIGHTS TO SUE OVER IDENTITY THEFT TO FIND OUT ( WHAT PEOPLE ARE REPORTING ON 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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.
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)

On XXXX XXXX, XXXX, I learned of a security breach in Equifax. This lead them to advise me that my information may have been provided to unknown parties without my written or verbal consent.
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Global Equity Finance, Inc. (CA)

I have received numerous solicitation calls for refinancing after asking to be placed on the do not call list. on XX/XX/19 an associate from Global Equity Finance ( XXXX ) reassured me that he can lower my monthly mortgage payment and that all he needed to do is ask me several questions. I answered his questions then he said I will run the numbers and call back. Within minutes I received a notification that my credit file was accessed although I did not give consent for this.
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)

My personal information was compromised during the Equifax data breach. The trust of just shy of 150 million people has been abused, and frankly it is outrageous. 

Our security should be taken far more seriously.
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. (IN)

The current situation regarding the security breach with Equifax is unacceptable, and proves rampant incompetence on their part. Equifax mishandled my personal and private credit information, and blatantly refused to protect the information of myself and millions of Americans. Not only this, but I found out via social media, and not by Equifax directly, which I take direct offense to. Per the equifaxsecurity2017.com website I am one of the people 's whose information has been stolen, which I solely blame Equifax for.
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (CO)

XXXX XXXX  sold account to XXXX XXXX XXXX XXXX XXXX XXXX. Took legal action and served me with judgement. In XX/XX/2017 served Wells Fargo and took {$1200.00} out of my account. They still took action and took my daughters account at the XXXX XXXX XXXX XXXX  without serving me paper work till after it was taken out a week later then the bank. The still after multiple phone calls and nasty attitude they had went after a judgement while I was employed with XXXX XXXX XXXX XXXX and where taking XXXX every two week for four months. They have received more then the amount requested. Legal action is next step with this company
Consumer complaint received 2019-10-25
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. (GA)

In my Annual Credit Report from Experian, they have depicted the same previous address twice. One of the addresses is misspelled. When I had filed the Online dispute and had asked them to remove this redundancy - their " Update '' depicts the exact same error " XXXX XXXX, XXXX, GA XXXX ''. The only way to correct their lack of efficiency is to bring it to your attention.
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. (VA)

Highly personal information such as my social security number, birthdate, drivers license, was divulged without my consent, potentially compromising credit that I have been working very hard and responsibly to build, thus threatening any future plans I hope to make such as buying a house or paying for school.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

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 2022-08-10
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. (MD)

There are accounts on my consumer report that are on my report without my consent and are not 100 % accurate. These accounts need to be deleted. The companies are committing fraud using my personal information without my consent! I tried to dispute with the reporting companies on multiple occasions and have been ignored. Multiple violations have been committed. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 

These accounts on my consumer report is effecting my life in devastating ways.
Consumer complaint received 2019-10-20
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. (CA)

This is the 8th Dispute to Experian that they keep flagging as already resolved this is a illegal act that I will be speaking to legal counsel about. On my previous dispute to Experian / XXXX, Experian FALSELY ACCUSED ME The request to block information was based on a material misrepresentation You have agreed in writing that the information was blocked in error You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. Therefore, we are declining your request to block one or more of the requested accounts. I DID NOT OBTAIN ANY GOODS, SERVICES, MONEY of any of these accounts. I have reported Experian and XXXX to the office of my attorney generals office : XXXX XXXX, as my rights under the FCRA 2009 have been violated by both of these consumer reporting agencies, I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Experian it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT The Federal Law as explained to me by my Attorney Generals office is that ; Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days. The fraudulent account that I am requesting be blocked and asking Experian to cease and desist reporting are. XXXX XXXX : {$3700.00}, XXXX  XXXX XXXX {$4600.00}, and inquiries with Multiple creditors including : XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX. 
XXXX XXXX XXXX, inquiry date : XX/XX/XXXX. 
XXXX XXXX  XXXX, Inquiry date : XX/XX/XXXX. 
XXXX, inquiry date : XX/XX/XXXX. 
XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX. 
XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (CA)

1. I was in a Covid-19 forbearance plan with XXXX Mortgage. 
2. I asked XXXX umpteen times to place my account on a repayment plan, to no avail. 
3. XXXX sold the servicing rights to Selene Finance LP. 
4. Selene Finance reported late payments to the three CRA 's. 
5. Selene Finance initiated a foreclosure proceeding.

6. I reinstated the loan and brought it current.

7. My new account 's online portal has hidden information with added fees that does not disclose nor explain what the added fees are for. 
8. My escrow balance is incorrect, as I have double-paid my property taxes : to the county and to the Re-instatement Amount. 
9. My credit score is damaged, as they were not supposed to report lates for those who are/were in a Covid-19 forbearance. 
10. Similarly, my new payment due is {$400.00} more than usual, and I will be reluctantly paying it because I feel as though I'm being coerced into doing so.
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

My account with M & T Bank was opened on XX/XX/XXXX. I was told that after XX/XX/XXXX, checks I deposited would no longer be held for 5 business days. On XX/XX/XXXX I deposited my payroll check, which was available the next business day. Since that went through fine I figured I was okay to transfer, via check, money from a separate account I own, but had lost my atm card for. These transfers were time sensitive because my daughter is supposed to be having XXXX and I needed access to those funds to pay for it. On XX/XX/XXXX I deposited a {$1000.00} check. I was told {$250.00} would be available immediately and {$750.00} would be available the next day. So on XX/XX/XXXX when the funds weren't available I called and was told that there was a 1 business day hold and the funds would be available on XX/XX/XXXX. Believing that, I wrote another {$1000.00} to transfer more money from my other account. Based on what I'm STILL seeing online {$250.00} would be available on XX/XX/XXXX and the balance 1 business day later. 

This morning I woke up expecting to see a balance of about {$1000.00} in my account. So when I looked and there was only {$1.00} I was deeply worried. I immediately called M & T Bank where I was told that a 4 business day hold was placed on these checks. Now, per their OWN funds availability documents, they are to notify when a hold is placed. I received no notification. Not a call, not an e-mail, even my online account STILL shows that these checks should have cleared by now. But instead I had to put off my daughters XXXX yet again, while M & T secretly changes hold dates with no notification to me. 

Additionally, something I find troubling. Late at night when I was checking my account, it was showing as - {$990.00} overdrawn. I have NEVER been overdrawn by that kind of money. The most I was ever overdrawn was {$5.00} when I forgot about atm fees. And immediately resolved the problem by depositing cash into the account. 

I also received a notice on XX/XX/XXXX via M & T website that was a Notice of Insufficient Funds. Again, they were showing my account hundreds and hundreds of dollars overdrafted when it's NEVER been overdrafted like that. 

I would like answers to why M & T is falsely sending these notices to make it look like my account is always in the negative and WHY they are holding my money with no notice to me, but making it look like it should be available on their website. 

When I called and spoke to a supervisor he basically said he'd reach out to the department responsible but that I wouldn't hear back from him until Monday because he was leaving the office today at XXXX. Not even an offer to have another supervisor reach out to me. Just ... wait til Monday. No concern for my kid who will now have XXXX pushed off yet again. Which is costing me money every time I rescheduled.
Consumer complaint received 2019-03-03
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: Bepensa Capital, Inc. (TX)

I have no knowledge of this account.. On the attachment it is down in the body XXXX XXXX XXXX XXXX and XXXX XXXX for XXXX. 
Thank you.
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. (MA)

Equifax was hacked and I used their tool to see if I was affected. I entered my last name and last 6 digits of my SSN. It said I was impacted.
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. (WA)

On XXXX XXXX, 2017 I was made aware that my personal and identifying information was likely compromised as a part of the Equifax breach. Using my partial SSN and full lastname I completed the service provided by Equifax and was informed that Equifax believed my personal information " may have been impacted by this incident ''. I made an attempt to contact the company on their website but the page was unresponsive and due to the amount of people affected I was unable to get a hold of anyone over the phone.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I contacted the bureau regarding a collection account that I do not believe I owe as it is from North Carolina at a time when my husband and I were in California. I asked for proof of where this random debt came from twice via certified letters once in around XXXX and I resubmitted a request for proof at the end of XXXX. It is currently XX/XX/18 and I have yet to see any documentation regarding this bill/collection account ( XXXX ) from the credit bureau or the collection agency.
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
DEPTEDXXXX XXXXXXXX Balance Owed : {$2300.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3800.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$690.00}
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-24
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. (TX)

CFPB. These Credit Reporting Companies have issues being accurateXXXX XXXX  asked for a police report from one of my prior disputes I mailed in to them. I don't think they have responded to the last complaint that has the letter from the alleged Law firm listed on the Bankruptcy record. 

I do not have a bankruptcy! its very clear that XXXX, XXXX, and/or whatever automated method these credit companies are using is inaccurate. Information systems and records are known to be inaccurate and more than 75 percent of credit reports have inaccurate information. They should err in favor of the consumer not the creditors! 

I called the court and they said they do not report to Credit Companies, so how have you been verifying this record? Its an obvious lie. You all have only been doing automated responses from online systems that obviously are known to have inaccurate records. Yet you use it as an excuse to retain the damaging false reports on my credit file. The Lawfirm, and the Lawyer listed on the inaccurate bankruptcy records deny ever having me as a client after they reviewed my identity documents. You can call them and they will tell you also! If you did a proper investigation, you would have learned this years ago! 

I have included the identity theft police report for them along with the documents that prove that the bankruptcy they report on my credit file is NOT mine! If the lawyer and lawfirm confirm that I was NOT the client they represented this should be quickly believed and deleted. Stop being so desperate to make my subprime and sell my data to predatory lenders so they can charge more interest! Delete these records NOW! 

Please move on and stop being so XXXX. You all are wrong for reporting this. Just resolve the issue and keep it moving.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX has repeatedly reported that the account on file is still open in my name. I DO NOT have any open accounts with this lender. The lender has also failed to provide any documentation to me showing this account is open. I took the client to court for this and it was dropped in Bankruptcy case. If you review the notes that XXXX XXXX themselves have listed in the notes this account was dismissed as part of a bankruptcy. Yet your credit agency still continues to report this account in my file.
Consumer complaint received 2022-03-07
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. (SC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
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. (WA)

In short - Equifax was hacked, and as a result my personal information is likely stolen. 
as suggested, i went to https : XXXX, and entered my personal information. the response was " Based on the information provided, we believe that your personal information may have been impacted by this incident ''. 

Equifax failed miserably at its job to protect my very personal information and as a result, i 'm not the potential target of identify theft ( assuming that did n't already happen ).