davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (TX)

I have XXXX credit cards with Citi which I 've paid in full every month since opening the accounts. A couple months ago Citi did not apply the entire amount of my payment to one of my credit cards, but they took the entire amount of my check out of my checking account. The difference is about {$1000.00}. I 've contacted them three times ( each time I get my monthly statement ) to correct the problem. Each time they said they would correct the problem, but they never follow through on their statements. I have continued to pay my accounts in full each month ( less the approximately {$1000.00} I do n't owe ) and they continue to add interest and reflect an inaccurate balance on my account.
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. (NY)

It was released by Equifax on XX/XX/XXXX that 143 million people could be affected by a data breach in which cybercriminals stole information including names, Social Security numbers, birth dates, addresses, and the numbers of some driver 's licenses. 

Using their online checker, linked here : https : //www.equifaxsecurity2017.com/ I was told that my identity may have been compromised by this checker. I therefore have reason to believe, as reported by Equifax themselves, that Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX. 

I did not enroll in the free protection surface Equifax is offering in compensation because Equifax has included the non-arbitration clause contained in the terms of service consumers must sign off on upon enrolling. 

I am filing a complaint as Equifax has irresponsibly secured my information and put my livelihood at risk. Such a large breach in security is not only unprecedented, but also a glaring example of private industries ' cavalier attitudes towards consumer protections. Equifax is defrauding injured parties with hidden terms of service that waive their right to sue Equifax in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
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. (CA)

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. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
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 — Didn't receive services that were advertised
Company: EQUIFAX, INC. (WA)

I read news accounts of the Equifax breach of security and was concerned. In the news reports from XXXX and XXXX a link was given for consumers to check and see if their data had been compromised. I was taken aback when I saw it asked for 6 social security digits and last name so I tried to dig around and make sure as best I could that it was legitimate. I went to the Equifax site and saw the same address and layout and decided to try it.
XXXX XXXX XXXXXXXX I was not given any information about whether I had been compromised but was asked to return on or after XX/XX/XXXX to enroll in their ID protection service. I then saw earlier today a report that the site being used may also be unsecured and I became worried XXXX XXXX XXXXXXXX I tried to call Equifax directly and was directed to use their number for this specific 'incident ' which turns out is just a call center where employees do n't know any information at all other than if a person received a letter in XXXX they were affected and if not they were n't. But according to news stories today Equifax is not contacting all the people who have had their data compromised so they only way to find out is to sign away my rights to sue. Also if the check site is problematic or not secure, just by checking I may have exposed myself. I read reports from the XXXX XXXX this afternoon that by even just doing the initial check, whether I sign up or not, I may have given up my rights to sue Equifax. There was no button or any acknowledgment of these terms in the initial inquiry ad I have not signed up for the service. I am concerned they wo n't honor the terms of 'free service ' or will charge me immediately at the end of the year and be difficult to get out of the contract. After I poked around the website I did see a terms of service link, but no where did I have to acknowledge that I had read theses terms and agreed. So I do n't know what my rights are. I am a XXXX employee and I ca n't afford to keep a lawyer on retainer, which was the call center 's suggestion, and I am worried about more than the financial aspect as people have been arrested and jailed for crimes committed by someone else using a stolen identity. I do n't know what to do.
Consumer complaint received 2022-08-05
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)

XX/XX/2022, I sent a letter to the court house asking if they reported my bankruptcy to the credit bureaus. I received a letter stating that they do not report bankruptcies to any entities. If that is indeed true how is it that the credit bureaus verified the bankruptcy action as 100 % accurate. The bureaus did not complete a fair investigation according to the Credit Report Act 15 U.S. Code 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The credit bureaus also violated my rights given under Credit Report Act 15 U.S.C 1681 section 602 ( A ) ( 4 ). According to this law I have a right to privacy.

Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

According to 15 U.S.C. 181 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

According to 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 beliefve 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. (PA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. exposing myself to the risk of identity theft/fraud due to negligent security protocols in handling consumer information. This is all due to a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
My personal information was exposed through gross negligence on Equifax 's part. Furthermore, delaying informing any of the victims for months, allowing management to sell stock options, and not offering a legitimate remedy for the situation and instead further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
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. (KS)

The data breach by Equifax was known to them since at least XX/XX/XXXX.  No one has been informed of such a terrible breach until TODAY! Equifax is also making individuals check to see if their information may have been stolen, and in said signing up with Equifax are making us waive our rights to legal arbitration. There MUST be better security on their end along with reparations for those of us whose lives and credit may now be shattered! The usage of another website NOT even sub-domained by Equifax to check to see if we have been possibly breached is shady, and can, probably will be duplicated to con even more people.
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. (NY)

My information was compromised in the data breach reported today XXXX/XXXX/2017. The data security at Equifax should have been much more secure, and the executives selling stock before releasing this information to the public seems to me like blatant insider trading.
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. (CA)

My SS #, birth date, address Driver 's License number and other confidential information was stolen in the recent Equifax security breach. I used the following website provided by Equifax to determine if my information was stolen, www.equifaxsecurity2017.com.
I will be filing a police report and a 90 day fraud alert on my file. I will also freeze my files w/all three bureaus and file a XXXX to the IRS. 

Please help me resolve this problem. A crime has been committed.
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. (IL)

they mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
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. (IA)

Equifax did n't thoroughly vet their security software of their forward facing or back-end systems and in the process leaked over 100 Million peoples PID to criminals that could use that to exploit people and ruin their lives. They waited 3 months to say anything about it and were as crass as to hide an arbitration clause in the terms of there free " help '' when it was their fault it happened in the first place. Not to mention the fact that the three top people that would have known about the breach as soon as it was detected decided to whimsically dump some of their stock in the company.
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. (SC)

On XXXX XXXX, 2017, Equifax reported a data breach that exposed customers ' most sensitive identity and personal financial information. Theft and misuse of this information exposes me to the grave potential now and in the future for stolen identity and financial issues, through no fault of my own actions and in direct consequence of Equifax 's failure in its duties to protect this information. 


Upon learning of this breach, I immediately went to Equifax 's " Security 2017 '' website to see if my data was compromised, as per their guidance, and received a future enrollment date for their identity theft program, indicating my personal data was indeed compromised. The security of this website, by the way, does not ensure confidence that Equifax is attempting to better protect information any more than they did in the first place. 


I have currently placed fraud alerts with all three credit bureaus, placed a XXXX freeze, continue my regular practice of daily monitor checks of my bank and credit accounts, and am considering placing credit freezes.
Consumer complaint received 2023-02-10
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. (TX)

XXXX XXXX XXXX is reporting a charged off account on my reports. I have disputed this account both with the credit bureaus as well as directly with XXXX XXXX XXXX and have yet to hear back from either of them. Furthermore, XXXX XXXX XXXX is verifying this inaccurate account with the credit bureaus and each bureau is reporting multiple inconsistencies concerning this debt such as, different account numbers, different last active dates as well as different last payment dates. How is this account able to be verified if they arent even able to reports a validate consistent information on my reports? They are in clear violation of my rights as a consumer to dispute inaccurate information from my reports as well as report inaccurate information on my credit report. I am requesting that this account is deleted from my credit reports and all documents concerning this account be mailed to my address!
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. (IA)

Recently my own as well as my wife 's social security information was leaked without my permission by Equifax. As far as I know my social security number has not been used, however I 'm certain it is now unfortunately public information and this is unacceptable.
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. (MA)

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

They have put myself and millions of others 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. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
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. (CA)

According to Equifax, my information was released as part of their data breach. While they have set up the option for credit monitoring, I need to proactively sign up and the terms of service for that service includes a clause that appears to be intended to limit class action lawsuits. That is outrageous and should be illegal in cases of security breaches.
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)

I have been confirmed as a victim of the Equifax Hacking Incident. Unknowingly, my very personal, private information was disclosed to 3rd parties, without my consent, knowledge, request or approval in XXXX of 2017 as reported by them.
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)

This concerns the very recent Equifax breach. Using a tool on their site, they stated to me that they believe my information has been compromised and I fear that my SSN, date of birth, and other personal details are now essentially public information. I am disappointed and afraid that Equifax has lost my information to outside parties due to this breach.
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. (GA)

Equifax discovered a massive security breach of confidential information including but not limited to social security numbers and names of their consumers. In addition to this lapse in security of important information they did not see fit to notify the affected parties until over 2 months after the fact. 

They have made no sincere attempts that are visible to the consumer to correct this error and have instead sought to intimidate the consumers for their own mistake by adding an unenforceable arbitration clause to the complimentary credit monitoring service they are offering to affected users.
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. (OR)

I believe I am a victim in the Equifax data breach on XXXX XXXX XXXX. As far as I know, my Identity has not yet been stolen, and I placed a 90 day fraud alert on my file. I believe my personal data was managed poorly by Equifax, and that they should be held accountable for any damages that may befall me due to their negligence.
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)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others 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. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers  is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
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. (KS)

I was one of about 143 million US citizens affected by the Equifax security breach reported on XXXX XXXX. I have checked and the website that tells users if they were affected or not and they believe my information was compromised.
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. (MS)

My information was thought to have been stolen during the equifax security breach in XX/XX/XXXX. I have initiated a 90 day fraud alert but am worried about what else could come of this
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax recently released a press report declaring that they were hacked and sensitive information was compromised. It was determined by Equifax that my data may have been compromised, including my social security information. This is the most sensitive data I have and should have been handled with more care. Now, their negligence could cost me financially as well as require me to take additional security measures for a mistake made by another company. It 's inexcusable.