davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (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 2024-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to buy a house and realized I had damaged on my credit report. According to the 15 U.S.C 1681 law there should not be any damages on my report. That is deformation to my character I didnt authorize these companies.
Consumer complaint received 2023-03-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Financial Group, Inc. (GA)

Dear I am writing in response to your letter dated. 
( copy enclosed ) because I do not belleve I owe what you say I owe. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Consumer complaint received 2021-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

on XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES, LLC sent out 4 more documents stating that I still owed after being told that they already violated my rights years ago and to this day, after telling them to cease communication yet again more bills were sent and they did not honor my request for the removal of reports. PORTFOLIO RECOVERY ASSOCIATES, LLC has caused a great amount of emotional discomfort and distress, stress, missed opportunities in obtaining houses and cars due to the inaccurate reporting and unprofessionalism of this company since XXXX.

this is for the record that they are being put on notice of violations.

and in pursuant to 15 U.S. Code 1692k they have to pay {$1000.00} per violation.
Consumer complaint received 2021-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent 3 letters to Transunion. the first dated XX/XX/2021, the second XX/XX/2021 and the last one on XX/XX/2021. I never received responses to my first 2 letters, they responded to the letter dated XX/XX/2021 on XX/XX/2021 as if they had responded to the previous letters. They said they will not reinvestigate my disputes because they already investigated, which they have not because I have not received any response letters from them besides the one dated XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.
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 — 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 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. (NC)

Dear Equifax, I recently received a copy of my Credit Bureau credit report. The credit report shows multiple credit inquiries by the below listed companies that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Judging by the recent revelation that your database was hacked and you ultimately have left 143 million Americans unprotected, this is unacceptable. And will  NOT be tolerated. 
Please have these inquiries removed from my credit file because it is making it very difficult for me to live a normal life. I have sent this letter via XXXX because I need your prompt response to this issue. 

XXXXXXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX NC 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 XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Again, your system has been linked to an unauthorized hack, of which my personal information, along with 143 million other americans have had their personal information used without permission. Your business has caused unrepairable damange to my life as well other countless millions of other innocent citizens. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion and XXXX did not do a thorough investigation on a bankruptcy being reported on my report. They refuse to investigate a previous dispute again stating they already verified the information with the courts. I sent them a letter from the bankruptcy court twice and the letter stated that they do not verify information with credit reporting agencies or 3rd parties as you will see with the attached documents. That was the first lie they told me. Then, they stated they verified it through XXXX. So, I called XXXX and they stated they have no record of a bankruptcy on my report. XXXX also sent me a copy of my report and it had no indication of a bankruptcy on my report. ( please see the attached document ) I also sent them a copy of a section of the report which showed no bankruptcy. Please help me fix this make them remove this information. I will attach what I sent them. Thank you.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

I sent a letter of NOTICE AND DEMAND TO VALIDATE DEBT CLAIM to Citibank on XXXX/XXXX/XXXX and they have 30 days to respond. 

They have sent two collections agency to try to collect alleged debt.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I am on the list of potential identity theft victims in the latest Equifax hack. I became aware of this through social media, and was not contacted by Equifax directly. They became aware of the incident on XXXX XXXX, and I just became aware on XXXX XXXX. There is absolutely no reason we should not have been made aware of this considerably sooner, as now I ( and many others ) have to go back and make sure that my account information has not been compromised and no illegitimate accounts have been opened in my name.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (MA)

Chase notified me by a telephone call that my account was overdue by two months. I immediately made the payment owed plus the late fees and contacted them because my paper statements stopped being delivered to my mailbox. I was told that I opted for paperless billing several months before. I explained that I do not remember doing this, nor would I ever have done this as I have a memory problem that I see a XXXXXXXX  for. I explained that I have not been late or defaulted on any debt in my XXXX years and that this was clearly a mistake and their reporting my being late by two months was adversely affecting my credit score and the rate I am getting on a mortgage I am in the process of obtaining. I was told that they do not give courtesy adjustments. I continued to explain that I would not willingly switch to paperless billing due to my memory problem that I would gladly submit a letter about from my XXXX. The fact is that I need the statement to remember to pay the bill. Chase and other lenders employ a deception practice of phrasing questions when you log in online that result in you turning off your paper statement generation when you really do not want to. This is unfair, deceptive and should not be a pop up question every time you log into your account. It should be an option you select, not a question you answer. I would like Chase to review their practices with the understanding that their pop up question can be confusing for many customers and can result in the ruining of one 's credit. Again, this should not be a pop up question when you log in that serves no other purpose than to save Chase money on postage and paper.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

There has been news that the responses are randomly generated, and the report they gave me makes me unsure whether it 's accurate, or, as inaccurate as the news say.
Consumer complaint received 2022-02-09
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. (CA)

XXXX allows XXXX XXXX / XXXX to illegally furnish/ report negatively impacting my credit score. Please see attached of XXXX XXXX admitting to charging a closed account. please see attach photo proof that the account was deleted previously.
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. (TX)

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took  advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXXof this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' Through it 's own internal systems, the information I provided stated that I was affected by the breach.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I logged onto Transunion website to place a lock on my account and the account of my wife on XXXX XXXX, XXXX. We were successful in placing the lock on my wife account, but two days later we received an email indicating that we had subscribed to credit monitoring for $ XXXXmonth. We did not want credit monitoring. I subsequent phone call and being on hold for 45 minutes we were able to get this subscription reversed on XXXX XXXX, XXXX.
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. (TN)

Equifax confirmed earlier this week that up to 143 million customer records were breached in a hack that began in mid-XXXX and continued through XXXX of this year. That means sensitive personal information of nearly half of the citizens of the United States could be in the wrong hands. 

Compromised data reportedly included names, birth dates, social security numbers, driver license numbers and physical addresses. The intrusion was discovered on XXXX XXXX ; however, the full impact of the breach is still to be determined.
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. (CO)

Equifax failed to take proper precautions to safeguard my personally identifying information, including but not limited to SSN, DOB, Name, Addresses, Driver 's License number, and credit card numbers, placing me at serious risk of identity theft and other crimes, through no fault of my own.
Consumer complaint received 2019-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XX/XX/XXXX I went online to pay my monthly mortgage payment which is just principle and interest ( no escrow/impound account ). I was in shock to find the minimum payment amount was $ 4,000.00+. I called customer service and they told me I had an escrow advance for taxes. I told him that I don't have an escrow account. I told him I need to see some sort of statement and receipt but for now I'd like to pay my monthly payment. He processed it over the phone. Then XX/XX/XXXX I went online and was concerned when I saw an escrow advance every month starting in XX/XX/XXXX. In different amounts some the same amounts but they totaled to $ 50,000.00+.  At the same time I also noticed that my XX/XX/XXXX payment was not processed as my monthly principle and interest payment. Instead it was called a principle curtailment. I immediately called and told them that the payment transaction was wrong and I was told it was corrected. That following Monday XX/XX/XXXX I went online and it wasn't corrected but reversed in its entirety. They are a bunch cons trying to force me into foreclosure.
Consumer complaint received 2017-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NJ)

Hello, Im holding an account with PNC and Im very disappointed at the service through phone and at the bank in person. I needed to speak to someone about a fee charge and it took forever to get through the million questions a computerize person ask on the phone, it is really annoying and on the phone they could not resolve my issue cause the manager was not there, I did not know the PNC only have one manager for the amount of account holders they have, it is embarrassing and unethical. second I went to the bank at XXXX, New Jersey where the tellers were not help and the manger of the place saw me struggling to get someone on the phone and never took the time to actually talk to me and help me out. What are they there for then? then i walked to her to see if she could unlocked my online account and help me with the fee she had someone coming to her computer and do some work, I got extremely annoyed and left. I do not see the interest or effort from them to help anyone, or maybe a customer they do n't know or like. Im extremely disappointed at PNC and their service, I look forward to cancel all my accounts with them and let everyone know how they really are. not a good bank at all, they are slacking big time!! Now I 'm still here trying to unlock my account and resolve the fee issue. SMH!!!
Consumer complaint received 2024-02-18
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. (CA)

in accordance with the fair credit XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 366 consumer credit plan as late for did purpose. 
XXXX
Consumer complaint received 2021-04-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I applied for forbearance due to Covid-19 Job Loss, the Covid-19 forbearance ended around the XXXX week of XXXX. My company XXXX deceptively applied me for multiple modifications ; when I clearly stated I wanted a FHA standalone partial claim, I qualify for this according to XXXX ( owner occupied, never XXXX days late, I received means of payment, new job, and have never had this partial claim done before. I have been on the phone with them around XXXX times and they keep telling me there is a computer error and to call back. Noone helps me and I am afraid they are taking advantage of me. I would like assistance in putting my loan back into forbearance, and rightfully filing for a partial claim. During this whole process I am getting threatening letters wanting the forbearance amount total paid in full or I could lose everything XXXX XXXX XXXX.
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. (NC)

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. Also, their leadership, who were well aware of the hack, dumped their stocks prior to making the information public. This is entirely unethical and a poor handling of invaluable data.
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. (NJ)

Equifax stored my information insecurely, putting myself and family at risk. Furthermore, they are currently unavailable for " XXXX '' requests as of XXXX/XXXX/17.