davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

According to XXXX XXXX XXXX several accounts dated past seven years still remain on my credit reports. This matter is creating stress in my life and preventing employment. I have disputed the accounts and requested for removal but the credit agencies have not removed the old and closed accounts. In addition to that the creditor have submitted false information ( open dates ) on my 3 credit reports.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My SSN and potentially other PII such as addresses, credit card # s, drivers license #, etc. were compromised as part of a cybersecurity hack sometime in late XXXX, XXXX ( per Equifax 's website ). 

Equifax itself did not notify the public of this incident ( which is estimated to affect 140+ million people ) until 6 weeks after the attack. I only came to know through indirect channels ( nobody from Equifax contacted me ).
Consumer complaint received 2017-09-10
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 Security Breech Complaint Summary : " 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 ... Some XXXX and XXXX  residents were also affected. '' XXXX Thread and XXXX Thread " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Attempting to verify identity on site resulted in positive result for data breech, however offered solution is to wait for Equifax to offer identity protection service while giving up any ability to recover losses due to improper usage of data collected via legal methods.
Consumer complaint received 2017-09-10
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 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 2016-09-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (OK)

Took a payday loan from a company Called North Cash. Their interest rate is like borrow money from a Loan shark. It is not right they treat the consumers like that. My loan was {$1500.00} dollars with a payment of XXXX twelve installment payments. That is insane an not right. I do n't understand why the interest rate is so high and why I ca n't pay them XXXX every two weeks. It 's not right.
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. (GA)

I have sent several letters to XXXX Equifax and XXXX  inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.
Consumer complaint received 2017-09-10
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)

I am submitting an official complaint about Equifax. They have been delinquent in their responsibilities to protect my financial information. I have come to learn that time after time they have ignored attacks on their systems and choose instead profit over installing electronic protection of my data. In addition, the executives of this firm have profited on this negligence by selling stock, once they learned of the massive breach and before the information went public. I have no control as to these credit reporting companies obtaining my sensitive information and the lack of security they use to protect it. Consumers need more protection. The executives of Equifax must be prosecuted. They are no better, actually they are worse, than the criminals that stole my sensitive information.
Consumer complaint received 2020-10-07
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: CITIBANK, N.A. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-06-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

For 12 years I have been struggling to repay my loans. I have had multiple forbearances and deferrals. Whenever I did contact navient about my struggles that was their suggestion. I have for the past several years contacted them multiple times to figure out how to lower my payments, repay faster and consolidate my loans so I wasn't paying 4 different interest rates for the next 30 years. I have never been able to get help. They contact me when my payment falls behind and tell me they can help and then when I agree they tell me they can't help. I still have 20 years left on my loan, I have barely made a dent in the repayment and I just want to get a normal repayment plan for a few years and be done with them. I have to take to 2 separate sections of the company to deal with my private loan and federal loan. Every time I call I get transferred multiple times and become so frustrated, half the time I don't understand what they are telling me. I spend long periods of time on the phone with them trying to understand how my payments work, I confirm my understanding of what my payments will be and then the best time I talk to someone I find out my understanding was incorrect. This company is horrific to work with. I was XXXX years old when I got these loans not really understanding what I was doing and at XXXX years old I still have 15-20 years before I can pay these loans. It's unrealistic for any person trying to manage a family to pay student loans for 20 years. My original loan was approximately {$20000.00} and I still owe {$16000.00} after 12 years. Please help.
Consumer complaint received 2017-09-10
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)

This is about Improper use of my report, and my private information being divulged without consent due to Equifax 's failure to protect my private information, putting me at risk for identity theft. The company discovered this problem months ago and failed to notify me in a timely manner that they had a data breach where my information was stolen increasing possible damages to my financial stability.
Consumer complaint received 2020-10-07
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: CL Holdings LLC (GA)

ON XX/XX/2020, Jefferson Capital added a derogatory credit report per XXXX. Upon, further research, this account was transferred/sold and am I no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, Jefferson Capital has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (AL)

I PAID OFF A COLLECTIONS ACCOUNT FOR XXXX XXXX XXXX   CARD FOR ACCOUNT ENDING # XXXX Jefferson CAPITAL SYSTEM REF # XXXX. THIS WAS PAID OFF ON XX/XX/XXXX. tHEY WILL NOT RELEASE THIS INFO TO XXXX  XXXX XXXX. iT IS NOXX/XX/XXXX IM WAITING ON THIS FOR LOAN APPROVAL AND THEY WILL NOT REPORT IT PAID IN FULL ... yET THEY CAN HARRASS AND ACT LIKE VULTURES WHEN NOT PAID. iS THERE NO PROTECTION FOR THE PERSON THAT PAYS? THEY SHOULD HAVE TO REPORT THE ACCOUNT PAID FOR SINCE IT IS
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. (FL)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
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.
Consumer complaint received 2018-06-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

I took a title loan on a vehicle near 20 months ago. Originally the loan was for {$5000.00}. I have paid diligently and even tried paying extra to get the loan paid off but its hard to make headway. I did pay down over {$1000.00} of the principal but then reborrowed {$1200.00} because I was struggling to make the payments. The payments are 500-600 per month meaning I have paid probably in excess of {$10000.00} now. I would think this should satisfy my responsibility but I do not want to lose my car. I would like to come to some reasonable resolution to resolve the debt and me maintain ownership of my vehicle.
Consumer complaint received 2017-09-10
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)

Earlier this week, we were alerted to the fact that the personal financial information of consumers had been compromised due to an " epic breach '' at Equifax, one of the three major credit reporting agencies. 

One piece of advice given to consumers was to freeze their credit files with all three agencies - Equifax, XXXX and XXXX. 

Equifax is still permitted to CHARGE for a credit freeze, effectively allowing them to profit from this breach. They further want to CHARGE people for the privilege of having their credit files monitored for fraud or other unusual activity, a service that all three credit reporting agencies should be providing for FREE 365 days a year. 

To use the word " outrageous '' is an understatement. I am reporting gross incompetence and mismanagement of my financial records at Equifax.
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. (CO)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc.
This data breach has resulted in [ 2 ] fraud transactions, one from XXXX XXXX ; both have been handled by my credit union 's fraud department resulting in emotional duress and time loss. 
As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. 
Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a unsecured website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. 
This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
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. (CA)

Equifax did not properly secure my credit report information. My information was on the list of hacked information and I am very angry they did not take care to safeguard my personal information.
Consumer complaint received 2017-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (IL)

Today X/X/2017 i cashed out from the XXXX XXXX app XXXX dollars. It should have been sent to my pnc bank account. It was never received and they XXXX XXXX app is charging my paycheck. I emailed XXXX XXXX customer service, there response was to contact you about my bank
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. (MD)

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 2017-09-09
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. (CA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 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 2017-09-10
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 has clearly exhibited negligent, incompetent and irresponsible actions, which results in the massive data breach incident. It has acknowledged and been aware of the incident since XX/XX/2017 but did n't do anything about it until XX/XX/2017. Also, Equifax has similar data breach incidents previously but still ignore to address the issue within its own system and website. According to cybersecurity expert, it still fails to ensure its security practice are up to the industry standard. This is clearly irresponsible and negligent on Equifax 's part and I was impacted by this incident caused by Equifax. 

Since the announcement of the massive data breach incident on XX/XX/2017, Equifax has provided a tool to check if any individual was affected. However, this tool is virtually useless. First, this tool requests ssn and last name in order to verify, but these pieces of information are the part of the massive data breach. Therefore, anyone, who possessed the leaked data, can assume other person 's identity and potentially setup Equifax credit monitoring service instead of the actual affected individual. Secondly, Equifax did n't initially do due diligent to ensure the tool to verify and identity if the individual was affected working properly. This is irresponsible and exhibits incompetency on Equifax 's part.
Consumer complaint received 2017-09-10
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 mishandled millions of Americans ' personal information and delayed in notifying the consumers. In response, they are offering a free credit monitoring service that also waives one 's right to participate in any class action lawsuit against Equifax. In addition, they are charging consumers a fee to place a security freeze with them. To capitalize on this unfortunate event, due to their gross negligence, is simply unacceptable. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I have a hard inquiry from XXXX XXXX from XXXX XXXX 2020 that is supposed to drop off after 2 years but has not. It should have dropped off this week.
Consumer complaint received 2017-09-10
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: M&T BANK CORPORATION (PA)

Hello Sir/Madam, I had a new inquiry credit report on XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 which I could n't recognize. Because this inquiry, my credit score might go down and which may affect my future plans like buying new home. Can you please inquire these inquiry and remove this this inquiry from my credit report. 

Please let me know if you need any more information. 

Thanks, XXXX XXXX.