davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MS)

THE CREDIT COMPANYS HAVE YET TO REMOVE THESE ACCOUNTS THAT DOES NOT BELONG TO ME AFTER ASKING FOUR TIMES TO REMOVE THEM MY NEXT STEP IS A COURT ROOM
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. (MN)

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 and free for every account, not an option for us to have deal with with an arbitration clause thrown in. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
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. (CA)

My personal information has potentially been compromised due to the recent Equifax security breach. I was not informed of this breach by Equifax, and was only able to know of it due to online sources.
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. (OR)

Equifax recently suffered a massive data breach and did nothing to personally notify it 's potential victims. I only found out about the incident after I saw a news article about it. Equifax 's solution is to offer a single year of free credit monitoring, but if you sign up for it, you lose your right to a class action lawsuit against the company.
I was affected by this breach and I am extremely displeased at how they are managing this situation.
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. (UT)

Per the announcement made on XX/XX/2017, Equifax failed to properly secure and protect my personal information. I verified this on their website. That information has now been compromised in a cyber attack along with millions of other consumers. Equifax also failed to notify consumers of the attack for over one month, therefore escalating the severity of the situation.
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)

This is in regard to the security breach at Equifax. I verified with them that I was among the affected individuals. 

This kind of information mishandling is beyond unacceptable. Data encryption and obfuscation has become robust enough that if best practices were employed to maintain a secure environment, that this kind of breach would be impossible. Equifax was lazy and should be heavily punished for their incompetence and gross mismanagement. 

Furthermore, by using their 'free ' credit monitoring service, they are including fine print that forces you out of any lawsuits against them for this breach. It 's extremely scummy. 

I hope the CFPB comes down very hard on this organization. A statement should be made that handling credit information in this manner is unacceptable and then trying to quietly extort those affected by having them unknowingly sign away their rights to legal recourse is equally awful.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (KS)

I have disputed fraudulent charges with US Bank multiple times for the past several years. I have never disputed the validity of the credit card, only the charges on the credit card. Every response, they claim that the card is valid - which it is - and refuse to investigate the charges I have indicated which were fraudulent. Fraud is proven on multiple occurrences by the issuance of a new card with a new number. 

Each time I have requested copies of all my statements yet they continue to refuse to send me the requested statements. To attempt to satisfy the request, they sent some statements but did NOT send the statements I requested. 

In addition, US Bank has blocked my access to the account online and access to statements so that I am not able to review or continue to dispute individual fraudulent charges. 

Blocking access to my credit card purchase history is in strict violation of multiple federal statutes and regardless of complaints, US Bank still refuses to provide the requested statements or access to my account history.
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. (DC)

Equifax implemented poor security in their IT infrastructure and exposed ALL my personal and identifiable information. I used the " Potential Impact '' link of equifaxsecurity2017.com and it said, " Based on the information provided, we believe that your personal information may have been impacted by this incident ... ''
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. (MN)

Equifax database was breached this week ( week of XXXX XXXX, 2017 with the media reporting of the breach onXX/XX/XXXX ). I am concerned about my credit as this breach indicates a higher probability of identity theft. I used the Equifax website https : //www.equifaxsecurity2017.com/potential-impact/ and inputted all the necessary information to be informed that " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have declined to enroll in the " TrustedID Premier '' program being offered through Exquifax as I do not trust their program after this breach and, from my understanding, I will be relinquishing some legal rights by enrolling. I have not noticed any unusual activity on my credit reports, have enabled fraud alert through the 3 credit bureaus, and am now contacting CFPB to investigate this matter as I and 143 million other Americans are now in financial risk due to no fault of our own.
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 : Cybersecurity Incident & Important Consumer Information I was one of the folks affected -- - I went to the website and this is want I got : Thank You Your enrollment date for TrustedID Premier is : XXXX/XXXX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process.
For more information visit the FAQ page.
THIS is NOT GOOD SERVICE AND SHOULD BE STOPPED! I should not have to come back to protect my information. AND in the State of Washington there is a fee to block your credit report! 

This is crazy! 

XXXX XXXX XXXX
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)

The Equifax security breach of XXXX has made my credit information public knowledge and I 'll most likely have to sign up for credit monitoring for the rest of my life. This is pretty much the worst possible scenario for me, a person who has spent a life time making sure my credit score is in good standing. Not only this, but they acted in bad faith to enrich their own people when they should have reported the issue to the public immediately.
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)

Equifax Security Breach - notified that my information was most likely affected.
I put a 90-day fraud alert on my credit activity with the 3 credit bureaus.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

The major XXXX security breach in early XX/XX/2017 indicated that I would be impacted by their breach. However, I was not notified of this nor was I given any sort of protection against *their* data breach of *my* information. Information, I must also add, that I did not consent to give them but instead they decided to collect. Additionally, to apply for a credit freeze without an incident of theft would cost me time and no less than {$10.00}. I find this completely unacceptable that I am not responsible, both financially and through my time, to fix *their* improper security. This is 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. (TX)

I learned on XXXX that Equifax failed to sufficiently secure my personal & financial information, including my name, address history, social security number, phone number, date of birth, email address, and credit card numbers. I confirmed with Equifax at www.EquifaxSecurity2017.com that my information has been compromised, putting me at risk of identity theft, financial fraud, and tax return fraud. Additionally, they have known about the security breach since late XXXX and have failed to notify me at all. I only learned about the issue through social media comments from other people also affected. 

Equifax is delaying their offer of credit monitoring services ( I must wait until XXXX to enroll ), leaving me with two options : ( 1 ) leave my information at risk until their offered services are available to me, or ( 2 ) pay from my own funds another company to immediately institute a similar service. I also must pay with my own funds to freeze my credit reports with 4 other services -- {$40.00} total plus tax to freeze and the additional fees to later unfreeze.
Equifax should have : 1. Notified affected consumers of the breach prior to our having to learn about it through social media and news reports 2. Offered immediate, preferably instant, enrollment for affected consumers into credit monitoring and identity theft protection services 3. Arranged or paid for our credit reports to be frozen and unfrozen later with other consumer credit bureaus 4. Offered more than just one year of credit monitoring, as my social security number will continue to be useful for fraud well after one year, and due to Equifax 's negligence, I will have to deal with this for years to come.
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. (HI)

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.
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)

I did not know how to categorize this complaint. This is in regard to the Equifax security breach that happened somewhere between XXXX and XXXX, but was not reported to consumers until XXXX. I am one of the MILLIONS of consumers whose data may have been breached.
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)

On XX/XX/2017 I was one of the potentially affected accounts by the Equifax security breach. According to equifax its possible that names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers have all been comprimised and I 'm now vulnerable to Identity theft.
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 's data breach and their options for credit security is not sufficient. They lost all my credit information, and only give us 1 year of identify theft monitoring. After 1 year, we will shoulder the cost of their mistake. Additionally, in order to freeze my credit account, it will cost more money in their own firm when it is their fault they caused this data leak. This is truly unfair.
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)

I was one of 150 million people who had their account, social security #, potential credit card information breached due to Equifax 's inadequate protection of that information and due to their greatly delayed informing of those effected.
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)

The security breach of Equifax disclosed on XX/XX/XXXX represents a gross misconduct on the part of a private firm which wields far too much power over the financial life of the average American consumer. The mishandling of vulnerable information ( including sensitive data such as credit history and social security numbers ) puts me and an estimated 143 million of my fellow Americans at risk. Furthermore, is abhorrent that this breach was only disclosed recently despite the fact that Equifax has been aware of the issue since XX/XX/XXXX. Finally, the fact that Equifax is able to profit off its own criminal negligence by charging consumers for credit protection and freezing is both morally and legally repugnant.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

As part of the Equifax hacking scandal, I was told that I might be impacted. As such, I 'm filing a complaint against Equifax for how they handled this situation and how they have not offered any sort of services or help for those who might have been negatively affected by their blunder. It 's the height of unprofessionalism and hardly seems legal that something like this should be allowed to happen without certain safeguards in place or without providing information on how to deal with this problem. Additionally, the fact that enrolling in their Fraud Check report system means waiving the ability to sue them down the road seems highly suspicious.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

bank restricting cash payment for credit card My nurses aid assists me by doing my errands. One errand is to go to Chase Bank and make a payment for my credit card. I am not allowed to have a bank account by the local DSS ( that provides me with SNAP and MEDICAID. ) Thus my payments are cash. Chase will not accept cash from anyone except me, the cardholder. I explained my physical limitations and why my aid is there with my payments. Chase would not listen.
Why is the bank allowed to discriminate? Cash is cash. They try to offer an explanation about money laundering ( the Federal guidelines allow up to {$2400.00} as not money laundering ) Do I need to start 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. (NY)

I am one of the people affected by the recent Equifax hack. Equifax failed to protect my data. I have signed up for identity theft protection and am in the process of putting an alert on my credit reports.
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: SYNCHRONY FINANCIAL (NE)

Amazon store 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 zero use for. My XXXX email account was breached and hacked in 2016 as well as XXXX. 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

You 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. You also did not notify anyone quickly enough and admitted that you will not notify everyone. There is also the fact that investors pulled out just before your stocks could plummet.
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)

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX 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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

I checked with Equifax to see if my personal information was comprised and I was prompted by Equifax to enter the last XXXX digits of my ss # and last name. I 'm shocked the company is asking for this information after a breach, and I pulled really XXXX move and entered my info and wife 's info. 

Here is the article - https : XXXX? XXXX
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 was hacked and gave out all my personal information. If I was n't in danger of identity theft before, I and 145 million other people are now.
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)

XX/XX/XXXX - Equifax reported getting 'hacked ' back in XX/XX/XXXX-XX/XX/XXXX and losing personal information for 143 million US adults. 

XX/XX/XXXX - Checked with Equifax ' " Potential Impact '' website ( https : //www.equifaxsecurity2017.comXXXX ) to see if I was affected. Upon checking, I get the message " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Put a 90-day fraud alert on my credit and will now have to constantly be paranoid about anything/everything that will occur from the misuse of my personal information that Equifax was too inept to properly protect in the first place ( information I never willingly gave them in the first place ).
This is not something that can be resolved with one year fraud protection which Equifax promises using their TrustedID Premier.
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. (CA)

Equifax did not properly protect their databases and as a result my personal information was compromised. The breach was discovered in XXXX XXXX and Equifax did not notify the public until XXXX XXXX. 150+ million adults were impacted which is almost 70 % of the adult population. The credit check industry is a scam and a conflict of interests for consumers. You can not have a company offer services to protect your credit as well as be the gatekeeper to your credit information. There is no incentive to protect your credit when they make money off selling protection services.