davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sarma (ND)

My ex-wife and I had a charged off account that didnt get taken care of in our divorce. I found on my credit report that I had a charge-off account with XXXX XXXX XXXX XXXX XXXX. The amount was around XXXX. I called XXXX to make payments and they referred me to their debt collector that was holding the Debt. SARMA Collections Inc. They advised me the total amount with fees to bring current would be XXXX. I made a payment XX/XX/XXXX for XXXX. I made another payment XX/XX/XXXX for XXXX and a final payment of XXXX on XX/XX/XXXX. I received in the mail a pay off letter from Sarma showing debt paid in full. My ex-wife was advised by XXXX that we still owed them, not Sarma an additional XXXX and they requested a payment be made to them on this same account, even though they no longer were holding the debt. XXXX is refusing to refund the amount of XXXX to us, as this would be an over payment, plus we already received a pay off letter from the debt collector. After reviewing Texas Law regarding Debt collection they appear to be in violation being of failing to give information on regards to actuall who holds the debt, over-charging, and presenting false information regarding balances as XXXX in the collections department will not tell me the total amount XXXX that was charged-off. I spoke with him twice today XX/XX/XXXX at XXXX and again at XXXX the same day. I asked him why they would accept a payment from us if they do n't hold the debt? He said he is allowed to take payments from the consumer even if the account was deferred to a debt collection agency. I said they are double charging us. He would not contact SARMA with me on the line to figure this out.
Consumer complaint received 2017-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, I opened a checking account with Chase, with the agreement and assumption that I would receive {$250.00} for opening a new account with direct deposit. When I did n't receive the {$250.00} as promised, I contacted customer service at Chase and was promised that I would receive the {$250.00}. After about a week of not receiving the funds, I went to a local branch for assistance, only to be told I had to contact customer service over the phone. I contacted customer service twice and two months later, I have yet to receive the funds promised to me. I feel that Chase is n't holding up to their end of the bargain and they are false advertising to get new customers to open new accounts.
Consumer complaint received 2020-04-23
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)

On XXXX I received an alert of a hard inquiry on my credit by XXXX XXXX. I contacted XXXX and alerted them to possible fraud. They confirmed that they had identified the online attempt to open an account as fraud. The XXXX Fraud Prevention Team sent me an email on XXXX saying that they were notifying all 3 credit bureaus ( including Equifax ) of the request to remove information regarding the fraudulent activity. The hard inquiry remained on my credit report, so I disputed it with Equifax on XXXX and again on XXXX. Equifax failed to take any action either time, and sent me a letter saying the dispute was closed and I should contact XXXX. Of course, I had already done that. Their letter also states that I can submit any additional documentation regarding the dispute online and gives their web address. This information is false and Equifax 's systems do not allow consumers to submit documentation in connection with an initial dispute of a fraudulent hard inquiry or after it is decided against them. 

As a practical matter, Equifax is not actually offering a real ability to dispute a hard inquiry. They do not allow documentation to be submitted with a dispute and they do not investigate. They merely confirm that a hard inquiry was made ( which is in fact always the case with fraud ) and then they close the dispute. 

Congress should regulate the credit bureaus and take action to protect consumers. Equifax has been on notice for months that they are providing misleading information that materially impacts my credit score due to fraud, and has made no effort to resolve it. Their systems are designed to prevent me from submitting any documentation. I have called them numerous times and am not getting any help. 

Please assist in getting this fraudulent hard inquiry removed.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

I graduated XX/XX/XXXX and had my loans consolidated and put on income contingent. My account has never been delinquent or has had a missed payment. I went back to school after XX/XX/XXXX which put me in another deferment and my subsidized loan interest were being paid by the government. A couple times I went below the minimum hours required and when my deferment expired I requested an economic hardship because I qualified. I was told each time to go on a forbearance even know I qualified and requested economic hardship as well as faxed all the required paperwork. I should have 0 interest built up and capitalized on my principal for the subsidized loan as the government should have been paying my interest on these but because they put me on forbearance in which I did n't request it has been accruing interest that has capitalized each year. I asked and submitted documents every time this happened and made sure I requested economic hardship and each time I was told by them they could only put me on a forbearance. I finally complained to them and XX/XX/XXXX they finally put me on economic hardship but it is showing that interest on my subsidized loan has continued to accrue during this time and the government is not paying the interest. I feel that they have purposely ignored my request each time for economic hardship and put me on forbearance to increase my debt. Interest on subsidized loans under economic hardship should be paid by the government but in my case it appears that I 'm going to have to pay it. Something is not right! They are now looking into it which makes me wonder how many others are getting XXXX!
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

I had a mortgage with XXXXXXXX XXXX XXXXXXXX, Loan #  XXXX. 
XXXX sold the mortgage to LoanCare, Loan # XXXX as of XX/XX/XXXX. 
I never missed any payments. XXXX was always paid on time and LoanCare was always paid on time. 

The loan closing with XXXX in XX/XX/XXXX was a mess. They overpaid some of the credit cards and other required payments and I was required to bring several hundred dollars to the closing. When my Wife and I took this additional cash to closing, they were not there. They sent me to the wrong closing attorney in Downtown XXXX. They had to reschedule another attorney to come to my home. Plus that I was getting refund checks for months from all of the miscalculations on the closing statements. 

And there is more. The appraisal was totally wrong. They valued the first floor of the house as uninhabitable. This is just plain weird. The first floor as originally built, with central air/heat, with a full bathroom, with a fireplace was not counted in the total floor space. The appraisal included only one of the two bathrooms and two of the three bedrooms. This appraisal was so messed up that it will be the subject of another complaint. The only reason that it is discussed here is because I had to re-do this mortgage. My wife and I just put XXXX kids through college and we were working out of the 8 % charged by the Dept. of Ed. 

So here is the complaint. When I refinanced this mortgage there was a tax lien. Somewhere between XXXX and LoanCare, nobody paid the property tax for XXXX County. Both mortgage companies require escrow. I would not have know about this if not for the re-fi. My assumption was that the property taxes were paid from escrow. 

LoanCare did send me a check for {$1000.00} in XX/XX/XXXX. And I did n't put it together with the property tax that was due in XX/XX/XXXX for the approx amount of {$1500.00}, ( amt paid XX/XX/XXXX ) or the adjustment needed for the City tax of {$300.00}. So ... ..maybe I should have looked a little harder. But at the time I just though it was another screw-up. I was well conditioned to accept a low standard of service. 

So, I do n't know what this cost me. I have attached the closing statement from my new mortgage company, XXXX,, which shows the cost of settling the tax lien at {$1800.00}. I do n't know how this reconciles with the {$1000.00} returned to me in XX/XX/XXXX or the actual cost of the XX/XX/XXXX XXXX County property tax of approx. {$1500.00}. I believe that the {$300.00} of City tax was paid. And I do n't know what the cost is of having a lien on my credit report and what that costs for the APR on my new mortgage. 

But I do know that there were additional cash expenses for XXXX to clear this lien in able for me to close my new loan.
Consumer complaint received 2017-09-11
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. (RI)

Equifax mishandled my personal information including my name, social security number, address, birthdate, etc., resulting in a data breach in XXXX XXXX. Equifax confirmed I was affected by this breach per their " Potential Impact '' site XXXX. 

Equifax put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Equifax is further attempting to capitalize on its gross negligence by encouraging injured parties to register for " trial periods '' of their ID protection services, defrauding these injured parties with hidden subscription fees that are imposed after the trial period expires, as well as with terms of service that waive customers ' rights to sue the company for criminal negligence/fraudulent behavior.
Consumer complaint received 2017-09-11
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)

Equifax has mishandled my information, did n't notify me of their data breach, and now has cost me several hours, my money ( to freeze my credit reports ), and will continue to cost me money and time in the future to monitor my credit. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-11
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)

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 for every account, not an option for us to have deal with. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

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 2017-09-11
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. (WI)

I went to XXXX and I was able to successfully view a copy of my report with both XXXX and XXXX. I was able to do this online, as well as save a copy to PDF for printing. However, when I tried to look at my Equifax report on the same website, the web page said, " We are not able to deliver your free Equifax Annual Credit Report online ''. 
I was told I could request by mail my Equifax report by filling out a form and mailing in proof of social security number and address. 

MY QUESTION IS : Why is Equifax forcing me to spend hours of my time to gather data and weeks of wait to view a report that the other bureaus allowed me to view instantly?
Consumer complaint received 2017-09-11
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. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. 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. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-09-11
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. (RI)

Equifax security breach - cyber attack has now placed my identity at risk. Equifax is suggesting we place freeze XXXX only good for 90 days XXXX and is offering a 1 year fraud protection account but the information obtained in the hack includes social secuity numbers and other information that will have a much longer shelf life! It is crazy to me that their company has placed my long-term financial future at risk but they are only accepting that mantle of responsibility for 1 year and offering what I consider to be ongoing laborious responsibility on our - the victim 's - shoulders. I am a tax paying citizen and feel like there should be some government intervention to ensure Equifax is accountable. I know this is unprecedented but I do not believe that I ever " signed up '' to allow a credit agency to warehouse my personal information and if they did so, without my explicit permission ( which may have indicated that I accepted whatever resulting risk ), then they should also have the responsibility to protect the information. A breach of their security means, they 've not only put me at risk but also expect me to be fully responsible to ensure the information stolen is not used inappropriately fir the rest of my life!
Consumer complaint received 2017-09-11
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 Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency Intruders 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
Consumer complaint received 2017-09-11
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. (NJ)

I have confirmed through the Equifax website that my information was likely accessed during the Summer 2017 Equifax security breach.

I have placed a 90-day freeze on my credit. I will have to more rigorously check my credit report over the next year ( s ). 

It is unacceptable that Equifax is such a poor caretaker of personally identifiable financial information. This security breach calls into question this company 's core competency.
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PREFERRED CREDIT INC (OK)

On XXXX XXXX, XXXX, I purchased a XXXX vacuum from XXXX, of XXXX XXXX XXXX XXXX XXXX, XXXX, OK. The vacuum cost was financed through Preferred Credit Inc ( PCI ) for the amount of {$2500.00} and finance charge of {$990.00} total debt {$3500.00}. The financial contract stated that this debt could be cancelled three ( 3 ) business days after the date of the transaction. On XXXX XXXX, XXXX, I contacted XXXX and requested this purchase be cancelled because it was too expensive, he refused to take action, by trying to reduce the price or not answering my text/phone calls. On XXXX XXXX, XXXX, first business day, I called PCI requesting termination/cancel this contract, but the representative informed me I could not termination/cancel this action, the seller had to request this action. 
Note : The sale was conducted over a weekend when individuals could not be contacted or were still trying to negotiate a deal. On XXXX XXXX, XXXX, last day to termination/cancel contract, I returned the XXXX vacuum to XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, I wrote a letter to PCI informing them of the return of merchandise, that the XXXX Salesman, was avoiding me to delay the termination of contract As of this date, PCI has never contacted me. The PCI has placed on my credit reports a charge off of {$2400.00} which lowered my credit score by 100+ points. In my opinion, XXXX, XXXX XXXX XXXX XXXX XXXX and PCI are predator sales and lending services. I am currently contacting the credit reporting bureaus, providing this information, documentation and a request to remove the charge off. Any assistance with this situation will be appreciated. I hope this information will help inform other people of these type individuals and to avoid their tactics. I am a senior citizen and recently retired from the XXXX XXXX.
Consumer complaint received 2017-09-11
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)

On XXXX XXXX, 2017, I became aware that Equifax had suffered a serious data breach some 6-8 weeks prior. I was not notified directly by Equifax, but rather became aware of the situation due to a news story on XXXX. The story referred me to a 3rd party website that was set up by Equifax, equifaxsecurity2017.com, where I could check whether or not I was affected. I did so, and did not receive a clear yes or no answer, but was instead instructed to return after XXXX to enroll in free ID protection from the service which they own. 

I now have to place a 90-day fraud alert on my credit file. I 'm currently trying to buy my first home, and am gravely concerned that Equifax 's incredible negligence will impact my ability to complete the loan process in a timely manner, and may impede my ability to even get a loan, should my stolen information be used nefariously.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

I have XXXX on my Citibank XXXX Credit Card from the beginning. I have made my payments on time before having a XXXX in XXXX XXXX. This has affected me physically and medically where I need to use the insurance of XXXX for payments towards my Citibank XXXX Credit Card. The response Citibank XXXX XXXX department response was not truthful as to the facts. They were called by my daughter as soon as possible which was in XXXX XXXX to have a XXXX Claim form mailed to me.They have been called more than once to mail a XXXX XXXX form. They recently mailed a XXXX XXXX form this year, but NEVER the XXXX XXXX Form. I was in and out the hospital several times after that and did not received the XXXX XXXX form. 
On XXXX XXXX, XXXX I received a letter dated XXXX XXXX, XXXX that my XXXX credit card will be closed, and I recently received another letter stating that only XXXX payment was made from the XXXX claim form submitted recently. On the XXXX claim form states that I am iXXXX for 24 months. It appears that XXXX is avoiding to pay for the time of me being XXXX XXXX  which included closing my XXXX Credit Card.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Seterus, Inc. (CA)

The property I owed located on XXXX XXXX XXXX XXXX XXXX, IL was sold on a short sale on XX/XX/XXXX The creditor, Seterus, continues to report the account as past due onXX/XX/XXXX, even though as per the documents the house was sold and the title passed to the new owners on XX/XX/XXXX. In addition, they also continue reporting that the house was in foreclosure as ofXX/XX/XXXX, even though foreclosure proceeding never started and the house was sold two months before that. There should be no data reported for XXXX and XX/XX/XXXX.
Consumer complaint received 2017-09-11
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 2017-09-11
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. (AZ)

As per the website of Equifax I may have been potentially affected by the security breach they have recently announced. 
This is not a simple issue, it involves ALL my personal information, so I do not believe that " potentially '' affected is a good enough answer. 
As the owners of the system, they should be able to probe and provide an exact answer of the issue and not just place everybody under a " potential danger '' umbrella,.