davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (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 were able to access names, Social Security numbers, birth dates, addresses, driver 's licenses, and possibly credit card numbers. Equifax 's records indicate that my information was at risk. When I checked with Equifax 's records, I was asked to opt into an agreement whereby Equifax would offer free credit-file monitoring and identity-theft protection in exchange for my waiver of a right to file a lawsuit ( whether individually or as a member of a collective or class action ) against them. I declined to accept those terms. I am concerned that Equifax 's lack of proper security may have allowed bad actors to acquire my personal information, and as such, my information may now effectively be public data. I am also concerned that Equifax did not announce this data breach until just  recently, and the company has not taken steps to contact affected individuals like myself directly.
Consumer complaint received 2022-10-03
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2017-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (NC)

I called SunTrustin order to find out my balance and was told that I still have {$90.00} in my account. So i charged {$63.00} and incurred two overdraft fees because the {$90.00} was apparently incorrect.
could you help in this case?
thank you
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. (IN)

Equifax failed to protect consumer information in the event of a massive-scale data breach. It has been indicated by their website, equifaxsecurity2017.com, that my information was included. Equifax 's failure has put millions of consumers at risk. 

Furthermore, Equifax has offered a free trial of their credit monitoring service which REQUIRES CONSUMERS TO WAIVE LEGAL RIGHTS against the company in relation to the breach. This is an utterly sickening and anti-consumer thing to do. Equifax needs to take responsibility for their malpractice, not try and XXXX customers out of their rights to fight back.
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)

My personal information has been leaked in the Equifax data breach, according to their website. It is unacceptable that a company of this size does not have proper security in place to protect consumers. Seeing in the news that their executives sold stock in the company before announcing the breach shows their real intentions are rooted merely in profit and they do n't care about consumers. This has put millions of people at risk of identity theft, including myself. 

This company should not be allowed to operate if they ca n't secure the data of consumers. Unacceptable.
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. (MI)

Apparently, Equifax, A Major Credit Reporting Company, allowed my personal data to be breached by hackers as early as XX/XX/XXXX of this year, is only reporting it now, in XX/XX/XXXX, will only provide free credit monitoring for a one year period, and I am not even allowed to sign up for this until next week. Possibly way too late for criminals to use my personal data. Then, as a provision of the short term free credit monitoring, I am required to waive my right to sue 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. (TN)

I am one of the potential victims of the recently announced Equifax security breach, giving hackers access to my secure private information including social security number, date of birth, full address, and driver 's license number. As such, Equifax has not served as a good steward of my private information.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

XXXX was recently hacked, losing the credit information of millions of Americans to hackers. They published a poorly encrypted website wherein one could check to determine whether their information was compromised. The link was http : //www.equifaxsecurity2017.com/. This link was widely disseminated on news websites, including prominent distributors such as the XXXX XXXX XXXX and XXXX. I accessed this website on XXXX/XXXX/2017 to determine if my data was compromised. The structuring of the site ultimately leads you to a link to click to check for potential compromise of your information. This then leads you to a page where you input your last name and the last six digits of your social security number. Apparently after entering this information, you are told if you are affected, not affected, or are told to come back on a later date. I received the message to return at a later date. Nowhere did it obviously ask me to opt in for any service or waive my right to sue thereby agreeing to arbitration. However, it appears they passively included this information in their terms, which seems to be a deceptive effort to trick consumers to waive their rights. This seems unacceptable to me for several reasons. 1 ) Equifax is at fault for failing to secure consumer credit information that they gather and archive without any assent or consent of the individual 2 ) They failed to disclose this information to consumers in a timely manner 3 ) They published a poorly-protected website seemingly to lure concerned consumers to check if their own data had been compromised rather than reaching out to share this information with affected parties 4 ) They buried a legal protective mechanism in this new site whereby consumers waived their right to sue in order to determine if the information gathered about them without their assent had been compromised. This mechanism was not actively brought to the attention of the consumer as they navigated the site.
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. (OK)

Equifax compromised my credit. They then sent an email asking for me to " enroll '' in protection. What the enrollment actually did was " opt '' me out of a future lawsuit. Essentially, I was tricked.
*This is related to the recent security breech by Equifax affecting 140 mil people in the US .
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lacy Katzen LLP (NY)

In XXXX I bought a business in our mall. It was an XXXX XXXX  XXXX The first year and a half were great. Then XXXX happened and the mall had very little business. We were pulling in on average {$100.00} a day. I didnt have the capital to keep the business up during the hard times, so we had to close. 

I owed a food service about {$16000.00} at that time of which I was served a judgment in XXXX or so. I started paying {$44.00} a week every week. This year XXXX I have the debt down to {$4300.00}. I then received a letter from the collection agency that another {$5000.00} was attached to the judgment for interest. This bumped me back up to {$9400.00}. 

I have already paid about {$23000.00} on a {$16000.00} debt and now when I am close to being paid off, they are tacking on another {$5000.00}. In the letter they sent me that was dated, and post marked for the XXXX of XX/XX/XXXX they offered me a payoff but only if I paid on XX/XX/XXXX. I didnt receive the letter until the XXXX. How can this be right. I was given no chance to rectify this situation. 

Furthermore, six months ago, I called the creditor to try to negotiate a payoff and they wouldnt return my call. Now they wait until they can hit me with all this interest and offer a fake payoff because the date was after the letter was received.
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (NC)

I SENT IN LETTERS BUT GOT NO RESPONSE ON THE FOLLOWING : I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
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 — Their investigation did not fix an error on your report
Company: ACS Education Services (KS)

I previously had a student loan serviced by ACS ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XXXX/XXXX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; ACS is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to ACS by phone on XXXX/XXXX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with XXXX XXXX and XXXX & sent them supporting documentation. XXXX is still investigating the dispute, XXXX has failed to even acknowledge the dispute or open an investigation and XXXX has already completed the investigation and is refusing to remove the negative information because they say ACS validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.
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. (OK)

Equifax disclosed that a data breach it discovered on XX/XX/XXXX may have impacted as many as 143 million consumers in the United States. Equifax has access to an extraordinary amount of personal and financial data for virtually every American adult. The company says that hackers accessed names, Social Security numbers, birth dates, addresses, some driver 's license numbers, and about 209,000 credit card numbers.
All told, as much as 44 percent of the US population will feel the impact of this breach for years to come, especially when it comes to their Social Security numbers.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MA)

With regard to the recent data security breach at Equifax, they are offering free credit monitoring to those impacted. It appears that the terms imply that by accepting their monitoring service you must agree to resolve any related disputes through arbitration and forego your rights to file suit or join a class action. Seeing as that they are at fault for the issue, I do not think they are in a position to further impose upon my rights as a prerequisite of providing me with a service that does not actually remedy the problem. Credit Monitoring Services and Fraud Insurance does not solve the problem of a data breach, it only provides assistance in identifying and resolving potential negative impacts for a limited time period. The negative impacts could arise much later, and this service is not preventative. I expect to be provided this service without sacrificing my rights later. From https : XXXX/www.equifaxsecurity2017.com they link to the TOU from their main site : http : //www.equifax.com/terms/
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

This complaint is against Equifax, XXXX and XXXX. I have been locked out of all online dispute services even though I belong to several sites I am being billed for to access my credit reports. Recently, I spoke to XXXX about completely removing some third party billers from my credit report. These people have been paid. They verbally agreed to remove the accounts after they were paid. 

The below items were sold to a third party biller. This means that the original creditor has written off said " debt. '' This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX XXXX has no right to collect money from me, or be listed on my credit report ( XXXX & Equifax ). XXXX was paid in full. That is the original creditor. This is illegal. 

XXXX was paid in full. They promised to take the collection off of my XXXX credit report. 

A XXXX XXXX public record is on my Equifax credit report. These dishonest people were paid by in XXXX. They took it off of my XXXX credit report and put it on my Equifax. Please remove this. It keeps me from getting credit cards. 

XXXX University was paid in full in XXXX to a third party collection agency. It is illegal for them to be listed on my XXXX credit report. 

XXXX XXXX is also on several of my credit reports after being paid off, and promising to delete the accounts. 

XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain hospital records and try to collect money from me. The hospital had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

XXXX XXXX- They are listed on my credit reports along with a third party biller. If this is not illegal I do n't know what is. 

XXXX XXXX XXXX XXXX This third party biller is the company that XXXX XXXX wrote off my debt on its taxes to. This constitutes a This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX- Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain medical records from my dialysis clinic and try to collect money from me. The clinic, XXXX XXXX had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

Public record- XXXX XXXX GA- I paid this in full in XXXX. They verbally agreed to move this from my credit report. They took it off of my XXXX and XXXX. However they sneaked back later and put this on my Equifax credit report. It must be deleted because it caused me to get turned down for credit card offers.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MI)

Equifax 's check to find out if you were impacted by their stolen data opts you out of being able to sue them, or take part in a class action. They do not inform you of this fact anywhere on the website route to check your status.
Consumer complaint received 2020-06-22
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: Vericred Solutions LLC (TX)

Vericred Solutions has put a collection on my XXXX  credit report. They also sent me the back up documentation. The collection charges are clearly not mine. Only the first and last name are the same. Middle name is different, SSN is different, nothing at all is accurate so I am not sure why it got attached to my credit. I submitted a dispute with transunion and they say its verified as accurate and i don't know how they can say that since it is not ME.
Consumer complaint received 2020-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Good Afternoon, I received a call from a collection agency saying my student loans from Navient is in collection. I found this odd since I have been making payments. I called Navient and they said I havent been making payments since XXXX. I told them I have proof and on the website, it clearly states I have been making payments. My last one was in XXXX. I called Navient and the agent sent a number to call to send in my proof of payments. The number is a fax machine. I do not own a fax. Unable to get through to Navient.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a dispute with equifax on XX/XX/XXXX. The dispute status says it will be completed by XX/XX/XXXX but to today 's date ( XX/XX/XXXX ) the dispute is still outstanding. Not only this but since my dispute was filed equifax has partially removed credit reporting and then placed it right back on my credit as a NEW delinquent account which caused a 40+ point invalid drop in my score. Fix this immediately
Consumer complaint received 2021-02-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Centron Services (MT)

received a collection for a medical bill from XXXX XXXX XXXX XXXX XXXX. the first bill came in my wife XXXX name the second bill came in my name only, my wife has already set up a payment plan, the point is the bill needs to come addressed to her only, even though we are responsible for our bills together. if this issue is not resolved i will dispute the bill, because the doctors office send my wifes lab work to XXXX which they know is out of her network with out her permission, she thought it was being done at the hospital here in XXXX  which is in her net work.
Consumer complaint received 2022-01-05
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, I opened a credit card account with Wells Fargo ( Active Cash ). As a condition of opening this account, I was eligible to receive a {$200.00} bonus if I spend {$1000.00} within the next three months. By XXXX, XXXX, 2021 I spend over {$2400.00}, I reached that objective, and called Wells Fargo By XXXX, 2021 to inquire about when I would receive the {$200.00} bonus. The customer service rep I spoke to said she did not know when I would receive the bonus but told me I should get an answer in the next ten days. This despite the fact that I had paid my bills with the account every single timeI been seen some unusual activity on the account I have closed it for about 2 times, unusual charges i have the suspicious that is simply because I achieved the goal to receive the {$200.00} bonus.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (WA)

On XXXX XXXX, 2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files that may have compromised as many as 140 million people. Equifax states that it is " offering free identity theft protection and credit file monitoring to all U.S. consumers, even if you are not impacted by this incident. '' In an attempt to understand what this free identity theft protection service would provide I attempted to review the web site indicated on the Equifax https : //www.equifaxsecurity2017.com/trustedid-premier/. Within this web site is information that states " Identity theft insurance underwritten by American Bankers Insurance Company of Florida or its affiliates. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions. '' The web site does not clearly state what happens after the free year is over.
The site suggests calling a special call center for more information. My call to this call center on X/X/17 at XXXX PST ( XXXX ), revealed that the call representative could not provide the actual policies or terms for this service. I requested a supervisor but the representative refused to connect me to one and insisted that I refer to the web site for answers to my questions. Three times I repeated that the reason I was calling was because the web site did not contain the information and each time I was instructed to review the web site.
Consumer complaint received 2020-10-07
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. (TX)

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.