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. (TX)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX stating the paid my car loan off to XXXX consumer yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXXXXXX XXXX XXXX ice nevee been four payments late I changed my due date
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. (NJ)

Equifax mishandled personal information, divulging private credit data to unauthorized sources. This is a part of the larger data breach going on this month. 
As someone in the process of buying a home, with a mortgage, I have my family 's immediate well being on the line with my credit. 
There was a large delay before we were even notified that our data was released without authorization - a delay which prevented me from taking proper measures to protect myself. 
There have been misleading and changing results as to who was in fact affected - even after the issue, the company is unwilling to be open and help us.
Consumer complaint received 2024-02-23
Product: Credit reporting 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. (TX)

I have a few inquiries on my report from unknown companies. Please remove these from my credit report. 
1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2019-03-04
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

All three credit bureaus still have fraudulent account information showing which results in a low 500 credit score my family has been devastated and my credit ruined. 

Usaa, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX along with countless inquiries for credit still show on my reports since the breech in 2017. Some will come off for a month or two only resurface. I have spent countless hours and am in despair at this point. My life and credit need to be restored and I need help. 

Thank you
Consumer complaint received 2020-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

Please be advised I have requested validation and " verification '' of 5 items reported by FirstPoint Collections Resources for XXXX XXXX. 

FirstPoint Collections Resources did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I will proceed with legal action as prescribed by law against the above named original account holder and collection agency should these items not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax failed to safeguard my personal financial and credit information. As a direct result of their inadequate security measures, equiifax allowed hackers to gain access to my information and then they failed to notify me of the issue. Only when announced by the media months later did I learn of Equifax 's massive failure to safeguard my information. 

The Equifax website confirms my personal information was among the data stolen.
Consumer complaint received 2017-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (HI)

Chase Bank XXXX XXXX XXXX XXXX, XXXX Ca, XXXX phone XXXX XXXX XXXX. 
On XXXX XXXX and XXXX XXXX and XXXX XXXX they have deducted XXXX Cent per month with explanation of " Federal interest withheld ''. Contacted said bank on XXXX XXXX XXXX they sent me a form to fill out XXXX returned said document on XXXX XXXX XXXX in addressed envelope to their XXXX XXXX TX office the form was completed. Was in touch with bank and was told it was the IRS that withheld the money Contacted IRS and was told that they would not deduct that small amount and they would not deduct from a checking account I have bank statements to back this up
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: Experian Information Solutions Inc. (CA)

I have a collection account that I believe is someone else 's account, XXXX and XXXX have already removed this collection from my credit report. All the bureaus are supposed to have the same information. Experian has also failed to provide any debt validation of this debt, I have no idea what this collection is.
Consumer complaint received 2017-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Research, Inc. (TN)

I received a collection notice from a third party debt collector regarding debt from an XXXX  XXXX clinic in which I had never been a patient. I called to let the collector know that the debt was not mine, and the agent tried to extract information about other people in my household. I refused to give the agent information about another individual, and he disconnected. I called back to reaffirm the fact that I did not owe the debt. The agent again tried to extract information from me about another member of the household. I refused to give the agent this information again, and he disconnected the call. The debt has now appeared on my credit report, and caused it to fall some 32 points. I do not owe this debt, nor should I be expected to act as a liaison between a collection agent and another member of my household.
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have received 1 call a day from portfoliorecov every day except weekends for the past 3 weeks always from different numbers. I never received a written notice of a debt owed prior to them calling me and I do not owe any debts to my knowledge.
Consumer complaint received 2017-09-10
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. (IA)

They did not devote enough resources to protect my personal information they were entrusted with, see link below. 

https : XXXX I checked the link on their website and they verified my information had been stolen.
Consumer complaint received 2021-11-17
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. (IL)

The credit agencies have been bullies to me long enough. Experian dispute report id # XXXX is reporting false information concerning XXXX XXXX act # XXXX They are reporting a high balance of {$3300.00}. I can not believe this defamation experience. Also the payment history is incorrect. 
Experian is also falsely reporting an account by XXXX XXXX XXXX, that has false payment history. That car was never suppose to be under my name, however my ex husbands son crashed it, my insurance paid fair market value and now there reporting a false payment history that is completely destroying my credit score. Please do something about this. They reported that I made payments to XXXX, I never made a payment to student loan XXXX in my life. It was taken over by fed loans who govern all of my student loans. Additionally, they are reporting a bankruptcy dated XX/XX/2020, Ive requested the removal of this account numerous times stating that it was dismissed because of the timing in which it was filed. They still would not remove this. Only you guys are able to help. Experian also reports a false address that I have requested more than two years to be removed under XXXX XXXX XXXXXXXX XXXX, IL. Experian and XXXX are reporting false information and I believe that this company is the only company that can make them do what they are suppose to do.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

This is in regards to the CFPB complaint XXXX I filed on XXXX/XXXX/XXXX that CFPB closed without resolution. 

American Express admitted to their mistake and said they would resolve this matter on or before XXXX XXXX XXXX. They have not resolved this issue and have not made any effort to resolve it. 

I am still waiting for my XXXX XXXX XXXX points.
Consumer complaint received 2017-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NJ)

In XXXX XXXX I spoke to XXXX at Remex who explained that Remex does not own this account and it had been sold per XXXX XXXX Hospital to another company. I called recently because the account is still on m Equifax account and I was told to pay them. I explained this is not my debt is part of employment verification done by XXXX hospital in XXXX. I explained to the representative that Remex does not even own this debt to attempt to collect would be abusive on their part and XXXX Hospital is responsible for the debt. I asked the representative to provide all paperwork regarding the debt and she refused to provide.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

All three credit bureaus still have fraudulent account information showing which results in a low 500 credit score my family has been devastated and my credit ruined. 

XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX along with countless inquiries for credit still show on my reports since the breech in 2017. Some will come off for a month or two only resurface. I have spent countless hours and am in despair at this point. My life and credit need to be restored and I need help. 

Thank you
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (NC)

On XXXX XXXX, I was aware of the collection from Cbe group. Which is a collection company for XXXX XXXX XXXX from what it says. I 've never have XXXX XXXX XXXX my identity was stolen. I 've filed a police report so I would like this removed.
Consumer complaint received 2017-09-10
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. (FL)

Equifax Fraud : XX/XX/XXXX to XX/XX/XXXX at least 10 filings with docs to validate request to remove duplicate report 2 Equifax finally fixes after CFPB Complaint and reports fixed onXX/XX/XXXX. 3 Equifax then returns to the duplicate mortgage report ONE WEEK AFTER FIXING XX/XX/XXXX. DECEPTIVE. FRAUDULENT. AGAINST FCRA. FTC, AND CFPB REGULATIONS. ONE WEEK THEN LIED.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have tried to get my credit report from annual credit report ; trans union. 
The website refused my request and directed me to call TransUnion. 
TransUnion provided me an error code, and directed me to a further number, which failed to rectify the situation. 
Thus far, TransUnion has refused to provide me a credit report.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (UT)

Equifax reporting agency breached in XXXX, not told of this until XXXX XXXX, 2017. Equifax indicates I had data lost during the breach. 

Unacceptable on a number of fronts some of which are : 1 ] Equifax 's own credit monitoring service did NOT report the breach.
2 ] Unacceptable accountability and responsibility on the part of the agency.
3 ] I wish I could have inside information like their executives so I could sell stock prior to the release of the breach information. Must be nice to sell your stock when the price is high.
Consumer complaint received 2024-04-26
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MI)

National Credit System refuses to provide me with the documents that show authority for them to collect for this company. I have no lawful obligation to pay a company based on the purchasing of a contract. 

National Credit System, Third Party Debt Collector, who appears to be fraudulently claiming authority to administrate for " XXXX XXXX XXXX XXXX. You will return and transmit your written evidences of your delegated authority to " represent '' that you, National Credit Systems is authorized to administrate ( acting as collector ) on behalf of " XXXX XXXX XXXX XXXX, together with a certified copies of " all '' signatures contract between you,, XXXX XXXX and the original creditor, bonds, original creditor Charge -off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreements for passing " XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the " XXXX XXXX. Courts require your contract for jurisdiction. Caveat : XXXX. 
XXXX XXXX disputes this debt and all claims to contract in accordance with Title 15 USC If you lack the understanding of this paperwork, forward to your ATTORNEY.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MN)

XX/XX/XXXX Issue 1 : Paypal authorized, allowed, and debited from my checking account ending in XXXX, two transactions with high balances on XX/XX/XXXX. These were allocated to pay my normal living expenses and have caused me hardship to pay my creditors. 

These do debits from my checking account were unauthorized. 

I have contacted Paypal and was told it would 10 days to investigate! These funds need to be credited immediately to my checking account ending in XXXX. 

Issue 2 : Lastly, I have a contractor building the deck to my home. I authorized Paypal to debit from my checking account ending in XXXX in the amount of {$240.00}. Paypal received these funds and have indeed been given to Paypal. Paypal has placed these funds on hold until XX/XX/XXXX, despite having received these funds. 

I contacted PayPal directly regarding both the unauthorized and the funds they are withholding from the contractor. Paypal refused to release the funds back to me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

From XX/XX/XXXX to XX/XX/XXXX there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. I have attached 2 examples where these hard inquires have not be accurately verified and validated.
Consumer complaint received 2017-09-10
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. (TX)

On XXXX, Equifax received a dispute letter with several accounts I have found to be invalid ( XXXX - attached letter and CMRR - XXXX XXXX XXXX. It 's now over 40 days and I have not even received a response.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I made several complaints and the company 's came back and affirmed them. And they are still on my credit report. I'm currently still homeless and unable to get a house. These were all fraud and I have a police report. And all they still refuse to remove these things off of my credit report
Consumer complaint received 2021-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

We ( XXXXXXXX XXXX XXXX XXXXXXXX ) opened a small business checking account with XXXX XXXX  in the year XXXX. Account Number XXXX and XXXX. 

We have held this account for almost 20 years including the transformation of XXXX XXXX to TD Bank. 

We have never had a problem with our account until XX/XX/XXXX. 

In XXXX of XXXX we experienced our monthly checks to our creditors for mortgage, utilities etc were not being paid even though we had deposited the funds into our account. 

After hearing from our mortgage holder and several utility companies that they had not received our monthly payments we contacted TD Bank. 

A representative from the bank informed us that a partial hold was placed our our account. Meaning that we were able to make deposits but not withdrawals and none of our checks would be able to clear. 

After repeated calls ( over 20 ) to the risk management officer, who never returned our calls we spoke with another representative form TD Bank who informed us she had never seen anything like this before. 

She stated that a walk in hold was placed on our account. The bank never contacted us by phone, email or regular mail. 

This incident caused much harm to our payment history for our creditors and much anguish anguish for our financial team. 

Ultimately several people from the ministry went into a branch office and met with a representative who removed the hold from our account and instructed them to close out th account. We were offered the opportunity to open another account with TD Bank. 

We closed the account and decided to move to another bank. 

We believe that the conduct of TD Bank was a violation of our consumer rights, the right to due process and our civil rights as a XXXX organization. 

We received no notification concerning this hold and no documentation. To this day no one has taken responsibility for these events. 

We are asking for acknowledgment from the bank for their actions and that the bank be sanctioned and or penalized accordingly.