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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

Equifax has been hacked and my information has been compromised. I do n't want to apply for their credit monitoring service because it will make me opt out of any class-action lawsuit or other means of holding them responsible for any damage in the future. I tried to use the free yearly credit report from the government XXXX XXXX XXXX and I was unable to access my report for Equifax, and instead have to mail in a request which is inconvenient. 

I also have to pay money to freeze my credit reports with all three major monitoring services, when this is entirely Equifax 's fault and therefore their responsibility. Having to freeze my credit and then thaw it whenever I need to use it is another inconvenience which is entirely Equifax 's fault. 

Equifax should be able to provide my free credit report online like the other monitoring services were able to do, and they should be monitoring my credit for any suspicious activity, free of charge and without having to sign an arbitration clause or class action waiver. 

They are responsible for any potential identity theft or fraud using my name or likeness and should be taking more responsibility to protect consumers who have had their personal information stolen.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Equifax failed to properly secure my personal information leading to a public realease of my personal information without my consent. High ranking members then sold off stock before releasing news of the improper release of data, which is illegal insider trading and fraud. I 'm now highly vulnerable to credit fraud and my score seems way too low on XXXX XXXX. I want Equifax to send me all information and reports it has related to me, including credit, background, licensing etc, any service they provide in any industry that has any data related to me. I want a full reset to a perfect credit score and 5 years of credit monitoring.
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 experienced a security breach and I have been identified as a potential victim. As a result, it 's possible that unauthorized parties have accessed my social security number, date of birth, address, and other private information that can be used to steal my identity.
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. (AZ)

My personal information was compromised because of Equifax and their incompetence. Upon learning that my information might be compromised, Equifax made no attempts to contact me. I had to find out from an online non related source that my information was possibly compromised. So the date that I found out is XXXX/XXXX/XXXX, but the date of the breach is unknown to me. Now I have to monitor and possibly freeze my credit. I can anticipate having my identity stolen and the pain that comes with they. All thanks to Equifax being incompetent, lazy, and criminally negligent.
Consumer complaint received 2022-10-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE (KY)

On XX/XX/2022, my bank sent a check for my XXXX payment. At the end of XXXX, I received a letter from Stockton Mortgage the end of XXXX informing me the mailing address for my payments had changed and this payment was not going to be processed. 
On XX/XX/2022, I updated the billing address online with my bank and sent a payment which was processed as an ACH withdrawal from my account. 
On XX/XX/2022, my payment for XXXX was processed from my account. 
On XX/XX/2022 the check that was sent on XX/XX/XXXX, which the letter said would not be processed, was posted against my account. 

On XX/XX/2022, I checked the Stockton Mortgage online dashboard which showed a late payment over 38 days. I called and spoke to a customer service representative who informed me my payments had increased to XXXX and that is why Im showing a late payment. I told her there were 3 payments sent in a 2 week period between XX/XX/XXXX and XX/XX/XXXX which should have covered the larger payment difference and my account should not be reported as late. 

The representative did not show this check ( dated XX/XX/XXXX, which posted on XX/XX/XXXX ) being credited to my account. I was asked to send copies of the payments made and a copy of the check to this email address ( XXXX ). I have yet to receive a response, or any information and they are still showing me as missing a payment. I have followed up by email and phone and continued to pay and for the last 2 month I have been overpaying because at some point someone told me my payment was XXXX, but online it is showing my payment is XXXX.
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. (CT)

My personal information was stolen from Equifax. And then I find out, because I checked to see if my information was stolen, I relinquished all rights to sue Equifax and agreed to arbitration. How can a company get away with this? It provides them no responsibility to ensure your personal data is secure. 

So they could setup a fake identity theft service, I get my identity stolen, and because I checked to see if it was stolen I have no recourse in a court of law? How is this legal!!??
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 mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/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.
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. (OH)

On XXXX/XXXX/XXXX I checked the Equifax website to find out if I was impacted by their major security breach. I received a message that my information may have been compromised. I now need to freeze my credit reports, place fraud alerts on my accounts, submit claims, and hope that my identity is n't stolen and my hard earned credit score and money are not compromised further. 

Although Equifax is also a victim of this hack, it was their responsibility to protect our information. Furthermore, the companies failure to alert anyone about this breech for over a month, as well as their executives actions in selling stock prior to notifying the public is unacceptable and deeply disturbing.
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. It is their sole responsibility to properly secure this data.
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)

My data was stolen from Equifax and can now be used to open accounts under my name. My credit is linked to and affects everything I do so this affects my livelihood. Obviously, Equifax should have had high security standards because they hold onto my sensitive information.
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. (WA)

Equifax Inc. improperly stored my identity information resulting in a security breach that included my name, SSN, birth date, address, and drivers license number. I have filed a 90 day initial fraud alert.
Consumer complaint received 2017-09-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (LA)

I have multiple student loans with navient, but only 2 of them are showing a negative report on my credit. In XXXX & XXXX of XXXX it is showing no payment has been made, I reached out to the company to inform them that during this time ( also plenty months before and after this time ) my accounts had been in forbearance but I never did receive an official response after numerous attempts to correct the issue. I need these negative items to be removed from my report because they are hurting my payment history and score.
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)

XX/XX/XXXX, Equifax released information that millions of their customers became victims of identity theft. Following their website 's instructions I checked to see if my information is part of this issue and my identity has been compromised. I have submitted my request to freeze my credit with the proper agencies.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2020-08-19
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: JPMORGAN CHASE & CO. (GA)

I have a loan with XXXX XXXX, XXXX XXXX XXXX, and JPMCB CARD. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and JPMCB CARD with no successful resolution. There was definitely an error on their part.
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 announced a cyber attack that occurred a couple of months ago. Executives from the company sold stock off outside of the approved window, which would violate SEC sanctions for insider trader. 

However, after checking the website they provided to see if your information is at risk, I 've found that my data was accessed.
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 negligently allowed, intentionally or otherwise, outside parties to access my personal information including name, SSN, and DOB. Equifax neglected to take necessary steps to protect this information and has a history of ineffective and improper security passwords including emailing PLAIN TEXT PASSWORDS to their users ( XXXX XXXX XXXX, known since 2011 ). If Equifax can not handle proper password encryption procedures, I can only imagine how improperly they handle the rest of their consumers ' personal data which I am sure contributed to this failure in security.
Consumer complaint received 2017-09-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. ()

I am attempting to release a co-signer from my loans. This has been problematic because I live and work XXXX. A successful co-signer release involves a few things but in my case paying 12 months consecutively with no late fees is the issue.
My lender does not currently have the ability to offer me auto payments via my international bank so I can not ensure on-time payments. My earnings are made in a foreign currency and I must convert and send payments over to my XXXX XXXX account which is where the problem lies. I am at the whim of the intermediaries capabilities to deliver the funds on time to make the payment.
All other requirements check out. It just seems it will be impossible to accurately target 12 months on time payments when the deciding factors are not in my own hands, being a reflection of my credit worthiness.
This fact has been confirmed with a representative as being a sad and unfair situation, but, nothing is available in terms of solutions from their end.
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 data breach. I am a potentially affected party, as stated by Equifax 's own website portal. The company provided my data via hacking to a third party ( or multiple parties ) which opens me up to fraudulent activity.
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)

My information was mishandled by Equifax and opened up to theft, putting me and millions of other people at risk. I was identified as a potential breach victim when I checked in at their equifaxsecurity2017.com website. 

They did not notify anyone quickly enough, and have admitted that they will not notify everyone. 

In addition, when you sign up for " protection '' on the Equifax website they sneak in an anti-arbitration clause. 

I would like a resolution on this. Thank you.
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: LEXISNEXIS (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 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

XXXX XXXX credit card account opened in my name and used to ship items to address XXXX XXXX XXXX XXXX NE from the information I have been able to gather. I owned my own house and was paying a mortgage at XXXX XXXX XXXX XXXX XXXX ne XXXX when this account was opened and used to buy girls clothes, a vacuum and other misc items I would have had XXXX use for. My XXXX email account was breached and hacked in 2016 as well as Equifax. I have sent letters and identity theft report documents. I learned that I was a victim of identity theft just here recently by the IRS and Ive been trying to dispute this for years not knowing my rights under FCRA and now they will not remove the inaccurate reporting and negative information about me after receiving information that this account is not a result of me receiving goods or opening this account. Is it possible to get the IP address of where this was opened from? Its not from my house which would further validate this.
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. (AZ)

Equifax mishandled my ( and millions of others ) information. They were aware that their security had been breached and did nothing for months. I am now at a high risk of identity theft and fraud.
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. (MT)

I was informed that my Name, SSN, Drivers Licence Number, address and date of birth may have been leaked to outside parties. This is unacceptable. I am also upset that I was not notified directly by equifax that my information was leaked. They have my information, they know it was leaked, but I had to find out about the whole incident via social media. On top of all this, they are using the incident to sell a " Free '' product that includes an arbitration clause that would that away the right to legal action.
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)

On Friday, XXXX XXXX around XXXX I was made aware that Equifax mishandled my information which 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. To my knowledge, absolutely nothing 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 from an online media announcement. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Indefinitely. 

Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. I was required to pay {$10.00} to freeze my credit on Equifax to cover for their gross negligence. 

I am very frustrated with the handling of this situation, as I know millions of others are that were impacted. This situation must not be allowed to happen again, especially with information so critically important to each person.
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)

I was part of the millions of people who whose accounts were compromised with the Equifax security breach. I 'm very concerned about identity theft and a company of this size should be more careful with their fraud procedures.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax did not properly protect my day at and had a security breach where my information, including social security number, was disclosed without my consent. This resulted in improper disclosure of my credit reporting bureau information. 

I have contacted equifax but they do not have remediation or way to resolve this. They have offered free credit monitoring but this is insufficient recourse with risk of my identit being stolen and hardship with issues downstream