davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (WI)

Equifax and XXXX are trying to get me to buy and use their own products to protect my credit after the Equifax security breach. I feel it should be easier and well within my right to be able to freeze my credit and put a fraud alert on my accounts easily. Nevermind the fact that XXXX clearly does not care about consumers if they are not protecting their information better. I also do not understand why I will have to pay {$30.00} to unfreeze my credit. I 'd like to see a change in the way the government handles this.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

I am one of the 140 million American whose data was exposed by the Equifax breach. In order to protect my credit and my financial future, I now have to freeze my credit with all three credit bureaus, including Equifax. As Equifax charges a fee for this freezing, they are essentially charging me for their own negligence and profiting off of this situation. I should not have to pay for this company 's negligence.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

After this whole Equifax leak, on XX/XX/17 I sat down to freeze my credit. My complaint is that Equifax STILL CHARGED ME MONEY to freeze my credit meaning that they PROFITED OFF OF THEIR MISTAKE.
Consumer complaint received 2017-09-13
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. (CA)

In XXXX my social security number was used to open a fraudulent account. I immediately notified the company and was able to successfully close the account. I then contacted Equifax to dispute the new account and notify them it was a fraudulent account. The Equifax representative on the phone refused to process the dispute unless I signed up for the Equifax ID Patrol. 

I ended up signing up for their product and was able to temporarily freeze my credit, however I have repeated disputed the fraudulent account over the past 2 years and Equifax refuses to remove the fraudulent account from my credit report. This fraudulent account damaged my credit score for months. 

Furthermore, after spending hundreds of dollars on Equifax credit monitoring services, Equifax failed to notify me that my information had been leaked in the most recent Equifax hack ( announced by the company on XXXX/XXXX/XXXX ).
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I want to freeze my credit with all agencies, after the Equifax leak. I am unable to get the webpages to load for any of the credit reporting agencies, and the phone numbers are also keeping me on hold for far too long. 

I do not believe I should have to pay or spend hours of my time to protect my identity when the company that was supposed to do that failed at one of their core responsibilities.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (NC)

XXXX financing Goldman Sachs Apple XXXX XXXX XXXX and protection XXXX {$1900.00} Auto pay XXXX {$2000.00} Auto pay XXXX $ {$430.00} Overcharged {$520.00} GS- I manually paid {$430.00} using Apple XXXX at XXXX XXXX  on XXXX # XXXX Not truthful flat out lie # 2 Difference in amount financed and statement balance due to additional charges using XXXX  Apple Card Not true Nothing but items listed above No added charges Another lie Conversation with XXXX hang up on us Asked for names at XXXX to write letter and would not allow Asked who is President and would not answer What is option none
Consumer complaint received 2022-08-05
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. (MD)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}
Consumer complaint received 2017-09-13
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)

Equifax inappropriately handled my personally identifiable information in a way that exposes me to long-term, potentially irreversible, harm. During XX/XX/XXXX Equifax became aware of an vulnerability in their systems that allowed sensitive information on consumers to be exposed to unauthorized individuals. In the time period following this discovery the company did not make the public, myself included, aware of the exposure. Equifax continued to withhold this information during the two months following the attack. 

In XX/XX/XXXX Equifax announced the incident publicly and provided a service to identify accounts that were impacted. On XX/XX/XXXX I used this system to identify if my information was included in the leaked accounts, where via this service I was informed that my information 'may ' have been included among the millions of records lost. 

Based on the information available it is my opinion that Equifax practiced gross negligence in adequately protecting my personal information vis-a-vi financial institutions. Although what is most deeply unsettling is that unlike financial institutions, my consent for Equifax 's possession of my information did not come from me directly. To clarify, I am aware in retrospect that I agreed to my personal information being accessed or reviewed by a credit bureau in the normal course of managing my personal finances i.e. lending applications, employment, etc. However, I was wholly unaware of the extent to which XXXX  and other credit bureaus maintained record of my personally identifiable information e.g. volume and type of data maintained, length of retention etc.
Consumer complaint received 2021-01-19
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. (PA)

All three credit report agency is reporting false things and its not me .Please removed things off my credit .My credit score is very low and I need this removed asap .These companies is putting information on my credit that's false.
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. (CA)

XXXX XXXX with Acct # XXXX ( XXXX XXXX XXXX ) has been reporting on my Equifax report for several years now, which I have been challenging since discovering the account on my Equifax credit file. That said, it has come to my attention that Equifax is not properly investigating the legitimacy of the data reporting. In XX/XX/2022, I disputed credit acceptance with Equifax, and they then sent a letter dated XX/XX/XXXX asking for documentation to support my claim. It would have taken 7 to 10 business days from the date of the letter sent to me via mail. On XX/XX/2022, I responded with supporting documents. 

By XX/XX/2022, Equifax sent a notice to my home address stating the dispute had been closed, and without the supporting documents, Equifax requested that support my complaint. I contacted the agency on XX/XX/2022, to confirm receipt of supporting documents ; Equifax claims to have received them. When I asked the Equifax representative to help me understand how they are investigating the account, I did not get an answer at all and then put it on hold for so long that I had to call back into the agency to speak with another rep only to find out that the previous representative filed a dispute without my consent and without the support document that the dispute should have been filed with. 

PS. I had attached a supporting document from Equifax showing the timeframe from when the dispute was opened in XX/XX/2022 and closed.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HYUNDAI CAPITAL AMERICA (CA)

In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing accounts, on the summary page, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable.
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (MI)

Dear Supervisor, I have asked for the servicer to provide information on the account. They ca n't seem to locate it. In the dispute is the amount owed {$78000.00} verses {$110000.00}. Because this was sold to them by XXXX XXXX XXXX XXXX. in the last two weeks. Also, we are asking for further information for Modification. A Qualified Written Request is needed to establish the exact amount owed as soon as possible because we DISPUTE the balance.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (CA)

In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt or late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable. 

On XXXX XXXX, XXXX, I spoke to XXXX, Equifax rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy XXXX, she refused to correct the severe damages to my credit report that they caused.
Consumer complaint received 2020-06-22
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. (LA)

I reached out to the bureaus explained to them by law the had to ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. 
I was a victim of identity theft since XXXX I tried to get them to do their job .I sent in ftcs, asked them to investigate the accounts and blocked them the refused too, they have addresses that don't belong to me on my report, jobs, names and etc .I sent the companies letters too over the course of 2-4 months with no reply. ive called spoke to reps asked them to please fix this, I got XXXX  with XXXX  so I stopped for a lil while than my grandmother XXXX  due to the XXXX  and I couldn't even get a loan to help cover the funeral expenses because the bureaus refuse to do their job.I explained to them how things happened In my life that could've lead to this, I put it in ftc report like I was told to do by someone when I called, I was robbed walking home from work some time ago, I had all my personal items in there I didn't know I was supposed to check my credit I pulled my credit to get a loan to bury my dad that's when I learned of a these fraud accounts on my credit report .I didn't open these accounts or give anyone permission too .i explained that one of my first cousins and I have the same name I haven't seen her in years and we both stayed at the family house we grew up together in .they had a person name XXXX XXXX and all type of bad information on my credit profile .I asked for them to send me what they have from companies saying these accounts are mine because theyre not. please help me /.I am in a crisis lost my job, lost my grandmother and these people have me on the edge I will be looking into getting an attorney to sue I am emotionally distressed this is wrong .Equifax is the worst they don't even budge to try to follow the law.can u please have them send me what they used to determine these accounts was mine because their lying their fraudulent this has cost me so much stress
Consumer complaint received 2017-09-13
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)

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 2018-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I have been attempting to make a payment on my loan through XXXX XXXX   since XX/XX/XXXX and the website will not allow me to make a payment. Their new website is not functional and despite several messages to the company, I have not gotten a response or a solution. 

The company is aware of this problem per their XXXX page, but they have claimed the problem is fixed, despite many other consumers posting that they are still not able to make payments. 

Additionally, I was forced to apply via mail ( because the website would not give me an option to sign up online ) for automatic monthly payments. However, on XX/XX/XXXX I was sent an online message from XXXX with the subject line : " You Aren't Eligible for Direct Debit Payments '' with the following reasoning : " Your loans have not entered repayment. '' However, at the time my loans were in the grace period but I was still being charged interest even during the 6 months of grace. Despite being charged interest already, XXXX XXXX would not allow me to start direct debit payments, forcing me to incur interest without a making payments to prevent it. 

Additionally, because my first application was denied due to my loans being in grace, I can not apply online for automatic payments still to this day. This has made it frustrating and impossible at times ( like when their site is down ) to get my loans paid in a timely manner. I can submit another paper application, but I do not think it should be this hard to simply pay my student loans back.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Due to Equifaxs credit information breech and notification that I have been effected, I placed a freeze on my credit reports. Equifax charged me XXXX to do this, my husbands was free as well as several friends. They seem to sporadically charge people. They should not make money off the damage they have caused us.
Consumer complaint received 2017-09-13
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)

In the summer of XXXX, hackers accessed Equifax 's system and compromised the personal credit information of over 100 million users. Equifax, failed to provide adequate cyber security throughout their computer system despite knowing the inherent value of the consumer information they possess. As demonstrated by the severity of this security breach, Equifax was absurdly negligent in properly securing the personal information of millions of consumers, and can no longer be trusted to act in the best interest of the American public. 

I am one of the victims of this breach. Equifax 's offer of one year of credit monitoring is a mere token of whats necessary to protect myslef. Equifaxs data breach is not something I can fix with a new password. For the rest of my life, I will need to watch my credit activity closely. I am XXXX, and I have family members currently in their XXXX. That means I will need to monitor my credit activity for the next 40 to 50 YEARS! 

Ironically, Equifax is happy to charge me for additional protective services, something I would not require if they had done their job adequately in the beginning. 

I demand that Equifax is stripped of their ability to provide credit reports in the future. Their negligence in this matter proves that they are simply unable to protect consumer data. Based on this breach, I do not believe any bank, other financial institution or business can safely rely on the reports that Equifax might produce in the future. Simply, Equifax can no longer be trusted. 

I further demand that Equifax provide a lifetime of credit monitoring for me and any other consumer who is likewise affected by the negligence of Equifax. Life-long credit monitoring - in reality - is the LEAST that Equifax should offer affected consumers. They were negligent, and they do n't appear to care the slightest about the people whose lives ' they have disrupted. They simply care about their financial stability, and how they can minimize the effect this breach will have on their profits.
Consumer complaint received 2017-09-13
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)

Equifax, in XXXX through XXXX of 2017, breached all of my credit report information to hackers. I am XXXX years old and this will have an impact for the rest of my life. My SSN will NEVER change, my name will NEVER changed. My address may change but that wo n't be hard to find. I 'm going to have to live with this and the potential problems for eternity.