davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (WA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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
Consumer complaint received 2024-05-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NY)

XXXX XXXX BEWARE OF SCAM : I was heading to a XXXX accepted and XXXX then called pretending they were a supervisor, saying they are investigating an unsafe driving complaint. they said they were canceling out my XXXX XXXX ( which they did immediately ) and will pay you XXXX the hour of time they will take up investigating this complaint. they then cancel the ride off the app you were headed towards, making it look like they are a supervisor. They then asked for me to verify my cash app by sending money to them and they will replace these funds while you are on the phone with them. they then ask you to check to see if you received their funds. when you say no, they then quickly ask to repeat this process, thereby having obtained double the scam money. luckily I only sent the one payment and the moment i had clicked the one I had tried to stop it because the owner of the cash app account was spelled XXXX not XXXX. the owner of this particular cash app account was XXXX XXXXXXXX  XXXX says they won't help investigate unless they lock down my account so I can't get my payout money for the entire time it takes them to investigate. ( Could be hours, could be days they said. ) They also won't supply the information to the police to help with the theft by giving up the account holder of the XXXX I had been headed to, they would have been the one doing the scam as they had been able to cancel the ride. XXXX won't post a warning to their XXXX, they are willing to let their XXXX be scammed on their platform through their phones using their rideshare. PLease do not let anyone else get fooled by this. PLease post this warning to drivers on your platform. Thanks XXXX ( XXXX I lost XXXX, an entire day 's wages. )
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (IN)

I received a letter from a debt collector at Kimball , Tirey & St. John LLP dated XX/XX/2021, stating that I the consumer owe a debt in the amount of {$7200.00}, which I later found to be a violation of the Fair Debt Collections Practices Act, 15 USC 1692b ( 2 ). Upon receiving this letter demanding payment I reviewed the FDCPA and found numerous violations within the letter I received from the debt collector at Kimball , Tirey & St. John LLP. I then sent the debt collector a notice in affidavit form via Certified Mail on XX/XX/2021 highlighting their failure to comply with the Fair Debt Collection Practices Act with supporting documentary evidence attached and instructed the debt collector to cease and desist and mail me a check in the amount of {$48000.00} for damages owed to me due to their willful non-compliance of the Fair Debt Collection Practices Act pursuant to 15 USC 1692k. Identity theft may also be prevalent as I did not give my location information or identifying information directly to any third party debt collectors. The debt collector at Kimball , Tirey & St. John LLP also does not have my direct consent to communicate with me in connection with the collection of any debt which is a violation of 15 USC 1692c ( a ). As of XX/XX/2021 Kimball , Tirey & St. John LLP is still reporting inaccurate and false information to several consumer reporting agencies that has damaged my consumer credit reports which has hindered my right to use my own credit. False and misleading representations are being used by Kimball , Tirey & St. John LLP in order to collect a debt they are not rightfully owed.
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 — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (OR)

On XX/XX/XXXX I was notified by XXXX not the company, Equifax, contacting me or sending a letter to me about them having been hacked 41 DAYS AGO!! 

I was later told to go to the website to figure out if I was compromised. I did as instructed but it did not notify me if I was effected or not instead it let me know that I can opt into a credit monitoring service. 

I was not aware nor was there any information of regarding a terms of service saying what would happen if I opted into the credit monitoring service. 

I strongly suggest that Equifax be out of business since it lose the vital information that should be private : social security numbers, drivers license numbers, birthdays and credit card numbers. 

It will effect almost half of the USA and it should be held responsible for any damages that it caused. By paying for damages.
Consumer complaint received 2022-08-10
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. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX XXXX XXXX. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 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. (CO)

Company withheld knowledge of data breach from customers for 2 months drastically increasing the damage potential to XXXX citizens. Credit company improperly safeguarded and released my personal, financial, and employment data without consent.
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. (MA)

My personal information was leaked via the Equifax security breach, as indicated from https : //www.equifaxsecurity2017.comXXXX Likely due to the above issue, my credit card was used fraudulently on XXXX XXXX, 2017 in the amounts of {$40.00}, {$7.00}
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. (MO)

XXXX XXXX XXXX has placed {$2800.00} on my credit report without sending me a validation of debt letter or giving me the chance to dispute these fraudulent charges which is against the law. I went through this before with the last creditor XXXXXXXX XXXX who so called investigated and stated they will make the adjustments back in XXXX of XXXX  when I filed a report against them. They made those statement in the CFPB portal which I still have proof of. Instead of making the adjustments they sold the debt being fully aware that the charges were fraudelent! I'm being charged for items I DO NOT have and XXXX refuses to make the adjutsments.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

This is regarding my American Express business gold rewards credit card.
I met the spending requirement on XXXX 2017 ( {$5000.00} spending within 3 months for XXXX  membership rewards points - spent total of {$5400.00} ).
American Express is refused to award the points because it insists I called in to " cancel my membership rewards account, '' but I NEVER contacted AMEX regarding this account in any way. When I spoke to an AMEX membership reward representative about it, there was indeed no record or proof of this, so they said they will credit the account of the XXXX points in 8-12 weeks.
I contacted customer service mid-way just to check progress and a representative named XXXX told me it will definitely be credited. It has been 14 weeks and AMEX has n't credited my account.
I contacted AMEX again and was told the exact same story ( that it wo n't be credited because I cancelled my account ) and that they will try escalating the issue to have it investigated. But it was ALREADY investigated and I was ALREADY told that it WILL be credited ( twice! once by membership reward rep via phone and once by the customer service rep via the chat function ).
I am sick of having to go back and forth about this. I have met the terms of the contract and AMEX admitted to making the mistake about me cancelling the membership reward account and that they will credit my account for the XXXX - I just want what they said they will do.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I reach out to the credit bureaus XX/XX/2021 letting them know i was a victim of identity theft i sent a identity theft report along with a police report naming the accounts that were fraudulent. Under FCRA 15 U.S. Code 1681c2 ( a ) this information should've have been blocked from my report which it never was and after i disputed this account. I received correspondence that this account was verified which is false this account has not been properly verified and according to 15 U.S. Code 1681i ( 5 ) ( i ) this account should have been removed immediately.
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)

This is in regards to the recent leak of information from Equifax including private personal and financial information, mine included. It is unacceptable for a organization that is in control of such important information to be open to such data loss. It shows a gross disregard for information security.
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. (VA)

According to Equifax 's www.equifaxsecurity2017.com/XXXX site, some of my information may have been compromised : " Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in XXXX XXXX. '' I am not interested in enrolling in XXXX XXXX with the company who allowed my information to be stolen in the first place, especially in light of reports that the TOS for XXXX XXXX  requires that I waive my right to sue Equifax over the compromised information. In my opinion, Equifax has handled this situation poorly.
Consumer complaint received 2021-02-01
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)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2016-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACCESS GROUP INC. (NM)

So I disputed an account on my credit report and it was returned as the address not being good. I sent it to the address on my credit report and it was returned to sender. This means the account is not verifiable and a violation of the FCRA.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (OK)

There is a XXXX attempt to change or add an address in a state I am not currently living in since 2008. I tried to file previously online and never hear anything in response and it 's still showing. Now there is a XXXX address. How is this even continuing? Why is n't there better protection or trust for the honest?
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reach out to the credit bureaus XX/XX/2021 letting them know i was a victim of identity theft i sent a identity theft report along with a police report naming the accounts that were fraudulent. Under FCRA 15 U.S. Code 1681c2 ( a ) this information should've have been blocked from my report which it never was and after i disputed this account. I received correspondence that this account was verified which is false this account has not been properly verified and according to XXXX U.S. Code 1681i ( 5 ) ( i ) this account should have been removed immediately.
Consumer complaint received 2021-02-01
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. (TX)

I complained that XXXX XXXX did not have my permission to access my credit per previous Complaint # XXXX. XXXX XXXX replied back they have disputed the inquiries with their client. If XXXX XXXX made the inquiry, why do they have to dispute with their client????? XXXX XXXX is on the inquiry and I did not give another company permission to access my credit. Why are there third party agreements that I am not aware of? And why does Transunion allow third part agreements that consumers are not aware of? TWO COMPANIES NOW HAVE MY SOCIAL AND PERSONAL INFORMATION! Why does Transunion give another company permission to access my credit information without my permission??? Do all large companies in the US disregard the American people and laws until someone says something?
Consumer complaint received 2017-09-08
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. (CA)

I was only informed via a XXXX article that my private information was stolen from Equifax servers back in XX/XX/XXXX. When I input my info on XXXX Equifax link, it confirmed My information was compromised and I would need to enroll in an identity theft product. By enrolling in the ID monitor I waive my rights. This will create a huge ongoing inconvenience and could delay a refinance. Equifax has such critical information that this could take many days, hours, or weeks to monitor over a long period of time. The thieves could also wait out the identity theft monitoring and then use my info to damage me. I am very concerned that equifax never contacted me directly, and this happened in XX/XX/XXXX. The identity theft service ca n't even start until XX/XX/XXXX. They have a responsibility to keep all info safe.
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 — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (TX)

On XX/XX/2022 I got a notification that I gotten a hard inquiry for discover financial Ser. I have not applied for a credit card since XX/XX/2022 for XXXX XXXX 
I did put a freeze on my XXXX and XXXX, I have not done XXXX yet ( will be calling tomorrow XX/XX/2022 ) I will also be call social security office tomorrow for extra safety ( XX/XX/2022 )
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. (NC)

Equifax, through improper utilization of cybersecurity, allowed the personal data of myself and nearly 143 million individuals to be improperly accessed by non-authorized persons. Rather than issue a press release upon notification of the breach, Equifax allowed the breach to remain unknown to the public for 41 days, during which time Equifax executives were allowed to sell company stock ( see XXXX XXXX XXXX ). 

Considering the severity and potential impact of the breech, Equifax would have better served the public by doing the following : -holding a press conference upon discovery ( XXXX XXXX 2017 ) to announce the finding and intent to remediate the compromised services. This would allow initial questions to be asked and to get the word out to everyone as soon as possible so that they can take action to protect their identity and sensitive information. They would also announce their site where people could go to check to see if their data had been compromised and what to do if they had or not, listing their services as well as their competitors for issuing a fraud alert on their accounts. 

-Suspended operations on the compromised services until they were properly remediated. 

-Provided press release updates to the public on when services were expected to return to service, had returned to service, and when all services had been properly remediated. 

-Instead, by issuing a press release 41 days later, news of the breach was spread by word of mouth via social media ahead of more trusted news outlets and created greater scrutiny and erosion of trust between Equifax and the public. 

Stewardship of individuals credit history and the impact it can have to the public should be a constant concern to credit reporting companies.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aubrey Thrasher, LLC (GA)

On XX/XX/XXXX, this company requested a payoff amount from my closing attorney to collect on a Non-Collectable XXXX debt that I had no knowledge of who this company was in the state of GEORGIA XXXX County of XXXX in the amount of {$29000.00} from ( XX/XX/XXXX ). The original creditor was PAID IN FULL at closing, and this company still requested this payoff as well. That is WIRE FRAUD, and I want all my money back ASAP the same way they took it. I have tried multiple times to reach out to the company to give me my money bank, they have told me this case is closed on their end meaning no money has been returned back to me and since then, I have been unsuccessful in communicating with them.
Consumer complaint received 2017-08-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I was in school during XX/XX/XXXX and unemployed in XX/XX/XXXX, when I reached out to then XXXX XXXX inquiring about Economic Hardship, or any programs that will help lower my monthly payments. I was only offered forbearance which still accrued daily interest on an Interest Only Loan. When I was granted my reward letter from unemployment, I was only receiving {$150.00} weekly. I was only receiving these funds for a total of 18 months in the amount of {$2700.00}. Provided this was my only income, I had to maintain a roof over my head and pay other bills. XXXX XXXX took a financial statement regarding all my expenses and still made the decision that I did not qualify for Economic Hardship. I still paid a total of {$330.00} monthly. After I gained employment XX/XX/XXXX, I was able to get back on track to make high payments. I inquired about releasing my Mother as the Co-signer, I was advised if I made 12 on time payments she could be released. I held up to that claim only for my Mother not to be released as requested. The College I attended faded out my program of XXXX XXXX XXXX back in XX/XX/XXXX. At this time, I am unable to utilize my degree. I applied for several jobs only to be told, I need to go back to another Institution take a course that I can obtain a XXXX. The program that was offered at XXXX College was a XXXX program. I will not go back to take out another loan to utilize my degree. I have a XXXX XXXX XXXX XXXX with an outstanding balance of $ XXXX. This is insane to owe this much money for a XXXX XXXX that is null and void.