davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMA Alliance, Ltd. (NJ)

Attempted to make payment arrangements and now I am been written by a Debt Collector ( FMA Alliance , Ltd File # XXXX ) ) adding interest to a debt that they have alleged they bought. I am asking FMA Alliance Ltd. to provide me with a written agreement they sign with XXXX XXXX  instructing them to contact me for the debt, and payment history of the account, address of the original owner of the debt.I want to believed that the amount on their collection letter is inaccurate and crossly misrepresented. 
Thanks, Concern Customer
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax mishandled my information and did not properly secure our information from malicious users which puts me and 143 million other people ( according to : XXXX XXXX XXXX ) at risk with our SSNs in jeopardy. 

These SSNs stick with us for our entire lives and they want to provide a measly 1-year credit monitoring ( which requires you to waive your rights ) as if malicious users ca n't wreck havoc on our credit after a year. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2017-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MI)

So Discover Bank has been ordered to provide ID protection to all of their cardholders for FREE! What about all of us former cardholders ho had their ID that Discover had hacked or sold
by Discover? 
I am over {$40000.00} in credit card debt thanks to Discover letting my information to be hacked or sold! 
I have found out that I have a XXXX XXXX card in my name, a card in the names of XXXX XXXX and a discover card in the name of XXXX XXXX! 
How many more Accounts has been set up using my name, SS number, birth date, home phone and/or home address from MY information that they got from Discover Bank? 
And HOW can I stop all this and being sued in court by Discover that let my ID to be hacked!
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax mishandled my information, which 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.
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)

Equifax was negligent in their handling of their IT security. After having a security breach for over three months they did not notify affected consumers for longer than a month. After having to discover for myself  that I was effected by this security breach, it costs me more money to freeze my credit to make sure that no thieves can steal my credit. Having to waive my rights to sue and agree to arbitration to receive free credit monitoring after their mistake is wrong, and opportunist.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

Per Equifax 's Press Release Statement : there was unauthorized access from MidXX/XX/XXXX. The first indication that Equifax gave of this breach was on thXX/XX/XXXXThis I an extreme amount of time to investigate and notify those affected of the LARGEST CYBERSECURITY BREACH in United  States history. To top it off, the service that is offered by Equifax is through another entity who deceptively state in their ToS that signing up for this service ( which is offered to all victims of the breach ) removes your right to sue and that it will be decided in arbitration? The TOS is hidden and does not inform you until " after you 've input information to check if you 're affected ''. There are some that were registered automatically, INSTANTLY removing their rights to a fair trial. 

On top of it all, constant 404 's on the Equifax page, I am unable to complete forms on the Equifax page to put up a fraud alert ( calling them states they are too busy ). They also charge {$10.00} to put a freeze on your credit. Something that should be provided free of charge at the least! How is it legal for a company to say " We 're one of the 3 largest financial enterprises in credit consumer reporting in the world. We just had the largest data breach in history and we 're going to have our website broken and charge you to fix the problem. By the way, if you go with our service, you give up all right to SUE US FOR STORING INFORMATION IN PLAIN TEXT!
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

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.
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.
I checked the site and it indicates that my information was compromised.
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)

I am a part of the Equifax security breach and would like to file a complaint against Equifax. The following is the statement I received after entered my personal information on their website regarding the breach : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Sincerely, A XXXX XXXX American
Consumer complaint received 2020-10-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

AES/PHEAA continues to send emails even after I had warned them on multiple occasions to cease and desist with all communications. The person or persons who decide to reply to this, I respectfully ask the CFPB to document who they are to determine if they're even an eligible agent responding or if they are simply taking it upon themselves to violate my Consumer Rights vindictively. I would also ask to see Credentials to verify whoever is responding is legally allowed. Based on recent events where data is breached within companies, I'm not entirely sure I feel comfortable not knowing who exactly is handling these complaints from AES/PHEAA. As far as I'm concerned, it could be someone not affiliated with AES/PHEAA. AES/PHEAA should identify the person or persons handling these complaints, because just labeling themselves as being from the company is not enough to vet their real identity.

I also challenge AES/PHEAA to prove to every borrower who accesses their system that their Online Portal is secure enough to be able to resist intrusions. Until I see proof, there is no convincing me otherwise.
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. (CO)

I was part of the Equifax leak of sensitive, personal financial information. 

Confirmed by using https : //www.equifaxsecurity2017.comXXXX on X/X/2017.
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 just announced that in XXXX their data was hacked and the information of millions of Americans including myself had their information stolen. Their executives sold stock shortly after finding out, and only yesterday was it even announced that this happened. I was affected by this, but to find out if I was affected, Equifax tried to get me to waive the right to a lawsuit. I never chose to have my information known by Equifax, along with millions of others, and yet their data was never properly encrypted, they did n't release this information until months later, after they profited off of the company, and now I 'm expected to trust them to protect my information going forward. Once the information was released, a fraudulent charge showed up on my credit card that I had to flag with my credit card company, and I had to proceed to freeze my credit due to their irreversible negligence.
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. (NJ)

This complaint is regarding the Equifax Data Breach that occurred between XX/XX/XXXXandXX/XX/XXXX and was reported in XX/XX/XXXX. This gross incompetence and lack of care for the privacy and security customers ' personal information has directly impacted me and family members, as we 've been informed by Equifax that our information has been stolen in the data breach. Further, the fact that even getting the information and protection that Equifax offers as recompense for their incompetence REQUIRES me to waive my right to join a class action against them is the most evil possible thing Equifax could have done.
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)

According to its website, Equifax 's recent cybersecurity breach resulted in the theft of my personal information. As best I can tell, the hackers have gained access to my name, address, social security number, date of birth, and possibly other personally identifying information that would be useful for identity theft. I have placed an initial 90 day fraud alert on my credit report, but there is little else that I can do at this point to prevent 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 — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (WI)

XX/XX/XXXX US BANK-I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX/XXXX- US BANK-I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX/XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX/XXXX XXXX -- I DID NOT  AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT- I CURRENT HAVE A CREDIT CARD WITH THIS COMPANY BACK IN XX/XX/XXXX, THERE WAS NO NEED TO RUN MY CREDIT. 
XX/XX/XXXX- XXXX/XXXX I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX US BANK -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX/XXXX  XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX I- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX ACCOUNT IS APPREARING TWO TIMES ON MY CREDIT REPORT, I ONLY ONE ACCOUNT WITH THEM AND THIS ACCOUNT HAS NEVER BEEN LATE. 
XX/XX/XXXX-XXXX/XXXX ACCOUNT NEVER PAID LATE ACCOUNT IS ALSO SHOWING TWO TIMES ON ACCOUNT, I ONLY ONE ACCOUNT WITH THEM.
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. (CO)

Equifax has mishandled my information, along with the information of 209,000 others, putting us all at risk. 

I am a potential victim according to equifaxsecurity2017.com, and would like a resolution to this matter. 

I have had to place a freeze on all of my credit accounts, which has caused much inconvenience and worry.
Consumer complaint received 2017-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MD)

I have no knowledge of this debt. There was no invoice sent to me. 
This company has reported this on my credit report. 
I called XXXX XXXX but I was not connected to anyone. 
The bill is in he amount of XXXX. 
I am requesting validation of this bill.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Follow up to complaint XXXX and XXXX. I hope the third time 's the charm. XXXX XXXX continues to pass the buck. They are quick to respond to my complaints. They say that the complaint does not belong to them and they are not the appropriate company to address my issue. My question for XXXX XXXX : WHY ARE YOU REPORTING MY CREDIT HISTORY IF THE ACCOUNTS ARE NOT YOURS? 
XXXX XXXX needs to read that attached documents as they provide substantial proof that they are still reporting data. I want the accounts removed ENTIRELY from my credit reports rather they are reported by XXXX XXXX or XXXX. Attachments VALIDATE that XXXX XXXX is listed a debtor in XX/XX/XXXX reports AND XX/XX/XXXX reports.
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 part of the large % of American Citizens that 'may have been impacted ' by Equifax 147m person data breach.
This is a massive dereliction of responsibility ( legally and professionally ) to encrypt, protect, and secure PII data for over half of the population of the US. Additionally, their response has been comically limited to offering me a limited time offer of 'free ' identity theft monitoring services for 1 year. This is ridiculous on 2 fronts : 1 ) It 's only 1 year and they 've publicly offering it. Identity Theft attackers will just sit on this data for 1 year before leveraging it in anticipation. It 's a band-aid on a bullet wound 2 ) It becomes a paid product after 12 months. I am essentially opting in to being actively marketed and sold to because of their incompetence. My choice to not purchase this product has been removed because of their incompetence.
There are multiple ways I can defend myself without their shoddy marketing efforts, including putting a 90 day initial fraud alert on my account, requesting and disputing my credit report, and offering FREE credit/security freezing set up for their Bureau. The fact they do n't highlight any of these solutions and how they may protect me is laughable.
When faced with a major data breach, they punt on providing actionable advice to consumers and instead use it as a marketing opportunity. It 's disingenuous, thoughtless, and borderline criminal to sell their snake-oil in the face of a major Identity Theft breach.
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. (DE)

Equifax mishandled my information, which puts me and thousands of other people at risk. I also mentioned I am listed as a potential victim according to their equifaxsecurity2017.com 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

My husband and I were both potentially impacted by the Equifax breach. We feel that this company was negligent in protecting our personally identifiable information and we 're lodging a complaint ( we 're sure one of many ) for the record.
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)

Equifax was struck by a cyberattack so they did not have the security needed to protect my personal 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.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (CA)

Thursday, XXXX XXXX, I heard about the hack Equifax suffered and checked to see if I was impacted. I checked using https : //www.equifaxsecurity2017.com/ and got a message that said that my information was compromised. I could n't get them the freeze my credit, and even if I did, it would 've cost me money to freeze my credit for their own mistakes which is such a scam.
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 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. 

Equifax uncovered the breach on XX/XX/XXXX but did not announce the breach until XX/XX/XXXX. 

My personal data is amongst those that were accessed during the breach.
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 improperly secured my private data and allowed hackers access to my name, address, birthday, social security number, and potentially my driver 's license number and credit card numbers. Hackers had access to their system from mid-XX/XX/XXXX through XXXX 2017, up until Equifax discovered the breach on XX/XX/XXXX. 

Equifax 's Press Release : XXXX XXXX XXXX
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. (TX)

https : //www.equifaxsecurity2017.com/ XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX.  The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted.
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. (MO)

Equifax mishandled my private information, and has put me at life long risk of identity theft, as well as over 100,000 other individuals. I was told that I was a potential victim of identity theft over a month after Equifax new that my information was potentially stolen. Additionally the only option to help correct this breach is n't available until mid XX/XX/XXXX, which is unacceptable if my information was stolen weeks ago. I want a resolution.
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 was stolen in the Equifax hack. The data breach was reported to have occurred in XX/XX/XXXX, and only now ( XX/XX/XXXX ) I am finding out about it.