davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (GA)

Decided to buy vehicle at the end of lease term form Ally Financial. Sent a bank cashiers check for full payment in accordance with lease terms that was processed by Ally on XX/XX/2020. Sent them multiple emails through their website that have gone unanswered. On XX/XX/2020 finally got a hold of one of their customer service reps who informed me that my lien release would arrive within 7-10 business days. After that did not happen, on XX/XX/XXXX sent certified letter to Ally financial and once again requested lien release. Received a call from Ally on XX/XX/2020 and the representative stated they were looking into it. Have not heard anything from Ally since then. It has been almost 2 months since vehicle was completely paid off with a bank cashiers check and still no lien release from Ally Financial
Consumer complaint received 2020-04-28
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. (AR)

Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$420.00} XXXX  XXXX XXXX   XXXX {$1900.00} XXXX XXXX {$720.00}
Consumer complaint received 2018-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

1. For the second time, after submitting documentation certifying continuing public service, I have been credited with far fewer months of qualifying service than is correct. I have been a XXXX XXXX   continuously since XX/XX/2013. I have been paying my loans with XXXX and then with fedloan servicing since just after that day. I have made as many as 53 payments to all applicable loans. I have made, because of an unwanted forbearance, as few as 49-50 payment, but no less than that. Despite qualifying employment dates being correct, I have inexplicably been credited with 11 qualifying payments for one loan and 12 for another loan. Of course, I make a lump sum payment every month so the number of qualifying payments must be equal ( and much, much greater ). 

2. Once again, I have been entered into a Forbearance against my will. I have inexplicably been entered into a " Disaster Forbearance '' after having neither requested one nor experienced any sort of Disaster.
Consumer complaint received 2020-04-28
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

USDOE/XXXX XXXX {$5800.00}
Consumer complaint received 2020-04-28
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. (TX)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

Hello, the debt is being reported from Jefferson Capital Systems which was sold as a debt from XXXX XXXX for {$54.00}. They said that XXXX charged it off back in XXXX of XXXX and they received the account in XXXX to send me a letter in XXXX to an address I haven't lived at in 4-5 years. I contacted them today XX/XX/XXXX to dispute it with them because my number was ported out with XXXX and in order to port out the account balance must XXXX, and also the fact that I was not contacted about anything owed in all this time.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

EQUIFAX I AM CONTINUOUSLY HAVING ISSUES WITH EQUIFAX 'S FALSE REPORTING. 
DURING XXXX THEY DEDUCTED 9 POINTS FROM MY CREDIT SCORE BECAUSE THEY FABRICATED A ACCOUNT REMOVAL FROM MY XXXX  ACCOUNT. 
THEY STATED THAT MY AUTO ACCOUNT WAS REMOVED FROM XXXX XXXX. IT HASN'T. 
I BELIEVE THAT THE MANY PAST MONTHS OF INCONSISTENT REPORTING IS THE RESULT OF TAMPERING FROM EMPLOYEES WHO ARE WORKING WITH OUTSIDE ORGANIZATIONS AND AIDING MEMBERS FROM SPECIFIC LODGES FOR REQUESTED RETALIATION THIS TAMPERING WITH MY ACOUNT SUCH AS CHANGING MY BIRTH DATE, MY SSN NUMBER. INSERTING FRAUDULENT INFORMATION IS CONSTANT
Consumer complaint received 2018-02-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Aldridge PIte Haan, LLP (GA)

Truck was a XXXX XXXX XXXX was acquired in XXXX and returned on XXXX Company is violating the statute of limitations They already have a garnishment against me
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED FOR MY JPMCB AUTO ON XX/XX/XXXX AND XX/XX/XXXX. AND FOR MY XXXX  XXXX XXXX I HAVE LATES REPORTING ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-04-28
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)

This company has not answer to the complaint in a timely maner according with the FCRA section 609, this is inaccurate reporting, the account should be removed from my credit because is an unverifiable account also more than 30 days has pass with no answer.

Account # Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this viola
tion.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX
Consumer complaint received 2017-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc. (ME)

XXXX {$370.00} XXXX {$93.00} XXXX {$420.00} XXXX {$190.00} XXXX {$98.00} XXXX {$260.00} XXXX {$500.00} XXXX {$320.00} I have written them multiple times to get proof of debt and they have failed to send me anything.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency, using their online too I was listed as one of those whose data was compromised. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, and 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/XXXXthrough XX/XX/XXXX of this year. The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Equifax Inc. did not inform those affected in a clear and timely manner, nor have they provided clarity or made effort to rectify their problem. They are placing the onus on those affected to right their wrong.
Consumer complaint received 2017-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

WHILE I WAS IN CHAPTER XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER XXXX DISCHARGED IN XXXX. 2015. XXXX NOTIFIED ME IN XXXX. 2015 THAT I WAS BEHIND WHILE XXXX HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING XXXX TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY CREDIT SCORE. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY CREDIT SCORE TO IMPROVE FOR BETTER INTEREST RATES.
Consumer complaint received 2017-09-12
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)

I was affected by the Equifax hack based on the information on their website. This has caused me to setup credit alerts and has caused me undue XXXX. I consider my personal information highly sensitive and valuable enough to require the highest security standards to protect it
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax exposed my social security number and personal information and waited a month to announce the leak. I was not notified in any form that my information had been compromised and had to find out from the news.
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Focus Holding Company (CT)

At the time of this complaint this agency is reporting a negative account to all XXXX credit bureaus. This agency 's license to collect in the state of Florida was terminated on XXXX/XXXX/XXXX. As such, this agency is illegally attempting to collect a debt and is in violation of XXXX XXXX XXXX XXXX which states " XXXX penalty.It shall be a misdemeanor of the first degree, punishable as provided in s. XXXX or s. XXXX, for any person not exempt from registering as provided in this part to engage in collecting consumer debts in this state without first registering with the office, or to register or attempt to register by means of fraud, misrepresentation, or concealment. ''
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax mishandled my 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 at no cost to the victims. Credit fraud protection should be mandatory for every account. The public should not be forced to pay for Equifax 's mistakes nor should Equifax be allowed to profit off of the fall-out from these mistakes. 

I hope to freeze my credit however in researching this process I will be forced to pay for these services, effectively rewarding Equifax for their gross negligence.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-27
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$2600.00}
Consumer complaint received 2018-01-31
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. (CA)

Chase credit card online changed their website. It used to be that I could schedule a payment date. This time, it took my payment immediately effective today for over {$3000.00}. I called immediately, answered security questions. She was unable to cancel the payment. The place online where I was directed didn't work. I was transferred to another department, answered her many security questions and was again told she couldn't cancel the payment and that there was no recourse.
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. (NC)

Equifax allowed my personal information, including social security number and other vital personal information, to be breached and divulged my information without my consent. This greatly impacts me, as it sets me up to be a victim of identity theft. I have worked hard to maintain good credit and Equifax, either due to negligence or direct intent, has made it possible for my credit to be ruined.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

In XX/XX/XXXX, I applied and was approved for a Chase Sapphire card. within a few weeks I received the card. I had not yet activated the card as of XX/XX/XXXX. On XX/XX/XXXX, I received a statement from Chase stating I had an outstanding balance which is the {$95.00} annual fee plus late fees with a due date of XX/XX/XXXX. Apparently the interest which was originally billed XX/XX/XXXX and due on XX/XX/XXXX however until todays date XX/XX/XXXX I never received any billing statement from Chase, never received an email to my email address which is on file reminding me of the billing statement but I do receive promotions there and I never received a paper billing statement. On the same day XX/XX/XXXX I received a notification from XXXX XXXX that there was a change and an account listed was closed. I contact Chase to Explain, they gave me a run around, transferred me to 3 different departments, would not allow me to speak to a supervisor and did take my complaint over the phone with no further resolution offered. During this worldwide pandemic COVID-19 they are offering delayed payments for Chase customers however that was not the resolution I was seeking. I was requesting due to the fact and no fault of my own to re-instate my account and allow me to pay the annual fee and waive the late fee so this would not negatively impact my credit rating which has drastically dropped by 30 points. They would not even extend a courtesy to me being a first time customer.
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. (MI)

Equifax offers a tool, in response to the breach that recently happened, that tells you based on your last name and 6 last digits of your SSN if you were affected or not ; I was told I was indeed affected by the breach. As such, Equifax has divulged my information without my consent.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I believe Equifax is in error regarding their completed Investigation of a dispute I initiated regarding my personal Credit Report file. Section 609 of the Fair Credit Reporting Act ( Federal Law ) does not care if the hard pull inquiries are valid or not. The dispute centers on the CRA 's ( Equifax 's ) right to REPORT the hard pull inquiries on my Credit Report file ( without providing tangible proof of proper verification via copies of original signed credit application documents as demanded ) NOT whether or not the hard pull inquiries THEMSELVES are valid! And absent tangible proof of proper verification, the hard pull inquiries would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified hard pull inquiries MUST BE DELETED from my Credit Report file.
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. (NJ)

As has been well publicized, Equifax has lost the personal credit information for 143 million Americans. To prevent further identity and credit theft, it is imperative that our credit can be frozen. 

At this time, the credit bureaus will only allow a fraud alert but not a freeze, unless one is ALREADY a victim of identity theft ( AKA closing the barn door after the horse has gone ) or by paying each bureau a fee.
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)

Apparently happened in XX/XX/XXXX or XXXX of 2017. No actions taken on company as of yet. Just found out. 

My SSN, DOB, full address and driver 's license have been stolen.
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 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. (IL)

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 2017-09-09
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. (TX)

My wife and I had our personal data exposed by the credit reporting agency Equifax. As a result we can never be sure that our personal data wo n't be used against us, or to fraudulently obtain credit in our name or to access and steal our financial information and assets. 

In addition, Equifax apparently knew about the data breach for at least a month before revealing this to those of us who 'd been hacked. That was a month that could have been used to change passwords and logins, and otherwise protect ourselves. Instead it was a month used by the hackers to burrow further into our personal data and use it for gain and to harm us. 

Finally, when they did announce the breach they did a inadequate and poorly coordinated job of setting up yet another unsecure link to check if we 'd been hacked and then did n't allow us to IMMEDIATELY sign up for credit protection - only announcing a future date when we could.