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

Equifax Inc. has clearly shown gross misconduct in handling private data that I and other consumers have at best implicitly allowed them to have. Further there was gross negligence in allowing private information to be stolen and possibly distributed in public forums. The company delayed informing the victims for at least five weeks in order for high-ranking employees to cash out stock options, and not offering a legitimate remedy for the situation besides offering their own product. I am listed as a potential victim according to their equifaxsecurity2017.com website, and am now at risk for identity theft.
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. (ND)

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. On top of this, when I attempted to put an alert on my account ( ca n't freeze it, since I just today applied for a new job ), I was told that there was an error with my records and it could n't be done. 
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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

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. (MA)

On XX/XX/XXXX, I found out about the data breach on EquiFax. They had a website to check if you were a potential victim of the data breach. By using their provided website, I found it I was listed as a potential victim. EquiFax then offered a year free of credit monitoring if I agreed on XX/XX/XXXX ( A date they assigned to start the enrollment for this service ) and opt out of any lawsuit that came from this. I will be withholding my enrollment as this is a unfair and truly disgusting way to approach a major issue by 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. (TN)

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. 

I went to their site and put in my information to see if I was affected and it stated that I was. As it stands, for the rest of my life I am going to have to pay for lifting and reapplying credit freezes on my name, credit protection, and costs for possible credit fraud. I believe that Equifax should be responsible for all fees that stem from this matter.
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. (GA)

I seemed to have been impacted by the equifax hack. I checked my status at https : //www.equifaxsecurity2017.com/XXXX and it came back saying I may have been impacted by the hack. I feel that this is a misuse of my credit information and am highly concerned about this information being used to harm my credit. I have not been able to pull my credit report from equifax either using XXXX XXXX XXXX So I have no idea how this has impacted if it has yet at all.
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. (DC)

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. (MN)

Equifax allowed my information to be stolen, failed to give timely notification, and worst of all are wanting me to sign up for credit monitoring owned by them with a credit card so they can start charging me on year two if I forget to notify them properly. They al so are not notifying people of XXXX and birth dates are stolen only credit cards
Consumer complaint received 2017-10-17
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. (NY)

I have an Account with XXXX XXXX. My credit report reflects that a 30 day late payment has been reported for XXXX and XXXX XXXX. This is incorrect. I contacted XXXX who concurs that my account has never been late. They informed me that they could not send me a letter but I would need to dispute directly with the credit bureaus since they do not see me in their systems as every having been paid late. I have disputed with all three credit bureaus with no success. I am in the process of applying for a mortgage and this incorrect reporting is penalizing me. Please help.
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 allowed my information and the information of millions of Americans to be lost in a security breach. In addition to abusing the trust of the American people, they have sold stock before the information was released and are offering fraud protection in exchange for the right to sue them.
Consumer complaint received 2020-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

My account was permanently limited for some reason and Paypal advised me that my funds would be available for withdrawal after 180 days On the XXXX of this month they sent me a mail that my funds were eligible for withdrawal. However when I try to withdraw the money the transaction of XXXX XXXX keeps getting declined. I contacted them about this and they kept sending me automatic replies that didn't address the problem. I further quizzed them on why I was not getting an answer and they replied that funds would be eligible for withdrawal after 180 days. It's like they don't even keep track of their own records. 

I asked for assistance on this issue again and again now they're not even responding.Hope you people can help me
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. (NY)

My person financial information was improperly handled by Equifax. Very sensitive and crucial information may have been stolen. And may currently be, or in future, be abused by those who stole my information.
Consumer complaint received 2017-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

At XXXX XXXX navient called my phone 4 times in a row and woke me up on Saturday XXXX XXXX. Bewildered and tired I ask who is calling me this early on a Saturday morning. The navient worker replied I need you to verify your name and social security number. I told him it was kind of rude to call so early in the morning and which he did not apologize but then asked me to verify my address. Navient worker said that my payment was 12 days past due. I explained to him that I was confused because my mother who is also my cosigner made a payment on my behalf last week. He then said unfortunately you are still 12 days past due how do you want to take care of it. He was very rude, spoke to me and a condescending tone, and did not acknowledge what I had said to him. I explained that I had not been working in a month because I was laid off from my job at the moment due to lack of work. My mother and cosigner is also not working and receives Social Security. The navient worker was very unthoughtful did not apologize for his actions and made my mother and myself stressed out because instead of discussing this matter with the previous person who took our payment he assumed that we did not make arrangements. Come to find out we were right and had made a payment but on there and it did not go through. My mother explained to the navient worker it was not fair to call so early in the morning when they already got paid because there was confusion on their end. Navient is supposed to be a worldwide company that helps various people with their loans. Unfortunately when it comes to getting their money they have no problem hurting those same individuals to regain their funds. My mother asked man to apologize and what she said he already did although he did not. I wish we would have gotten his name and number so that we could have reported him individually because usually when these people call they are rude and inconsiderate. It 's rare that you find people in this company who listen to what you have to say and do n't talk over you to just get your money. I wish I had the money to pay them off completely because the stress that they put you through is somewhat unbearable.
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. (NJ)

XXXX XXXX, 2017 Potential victim of the equifax hack due to inadequate security measures. Corporation cost cutting for short term margins is not in line with shareholder value and this behavior in this industry must be corrected. 

Institutions must correct the culture of investing more into cybersecurity, not less.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MI)

I believe that my financial information waS part of the group that was stolen from Equifax. I hold Equifax responsible for any financial damage done to my account as a result of fhis information leak
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. (WA)

Equif
ax 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. 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 through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Consumer complaint received 2017-09-09
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. (UT)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2017-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

Hello, On the XXXX PayPal XXXX has permanently closed my account without any prior notice. On the same day I contacted PayPal to acquire any basic information about the situation and the agent told me they can not provide any information and that there is nothing I can do about it. Also I have received a written response from XXXX XXXX XXXX XXXX XXXX PayPal XXXX that reaffirms that they are suspending my account without reason or explanation. 
I have been a member of PayPal the since XXXX and using it for trading on XXXX. Until today I have XXXX cases opened by buyer against me in PayPal. I am a top-rated seller on XXXX with more than XXXX transactions, all validated by tracking number, more than XXXX positive feedback and XXXX negative. 
Many of my customers have contacted PayPal, on my behalf, to validate their satisfaction on my services. 
PayPal has violated its own terms of service, by closing my excellent performance selling account without any explanation. 
I need my PayPal reinstated, to continue my excellent trading activity.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (WI)

I, along with 143 million other American consumers, was affected by the Equifax cyber-security breach. I am beyond furious. This means that the people responsible have my Social Security number, address, and all of my personal information. Now, and for the rest of my life, I am at risk of identity theft. Worse still, I never even had a choice in whether or not my information was indexed by Equifax. As a human being, I am in their system whether I want to be, or not. As if the system of credit, i.e., a faceless entity deciding whether or not I have financial freedom, was not corrupt enough! The system is horrendous to begin with, and now it 's been compromised. Consumers are helpless. Consumers are angry. And consumers will no longer stand idly by while we are made to suffer.
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)

My personal information was part of the Equifax data breach.
The breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
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)

X/X/2017 I believe that my Equifax data has been compromised by a data breach and that my identity and credit has been compromised. I have used the Equifax system to determine that my information is part of the data breach.
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)

I have recently found out that my credit information has been compromised by the recent hack at Equifax. I went to their website today, XXXX17, and entered my information. The website stated that my information was compromised. They have released my personal information, including my name, address, and social security number to malevolent people due to their neglegence. There is even a chance that my credit card information has been taken. 

I have looked up my credit report at XXXX and it seems no suspicious activities are shown. But my sense of security has been violated and I will be constantly worried about identity theft from now on.
Consumer complaint received 2017-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Hello, I hope all is well. 

This complaint is in regards to Coinbase ( www.coinbase.com ). I initiated a sell/withdrawal on XX/XX/XXXX of 58.2 Litecoins, worth {$3000.00}. The reference code is XXXX. The transaction says " Completed, '' but no funds have been received in my account for what it is now over 2 weeks. I have contacted my bank twice to double check that no incoming wires or funds have been bounced or rejected. My bank has no record of an incoming transaction of that amount. I have been sending emails to the Coinbase support team for the last week with no response. I have tried contacting their support via XXXX - also with no response. 

Please let me know if you require any additional information from me - I am desperate to receive this money back into my account. 

Warm Regards
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. (WI)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
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)

Like millions of others, Equifax 's sub-standard security measures and baffling technical incompetence ( eg, not subdomaining their " check status '' website, different certs, plain-text unencrypted data ... ) caused my information to potentially be leaked to unknown parties. 

The solution they offered was to monitor my credit -- - though, given their track record, it 's not surprising that this should be unsettling.
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 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 2017-09-09
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)

Equifax leaked my information and I am now vulnerable to fraud. I had to find out through an article online instead of being notified by them. There has not been an offer to monitor my credit and accounts, which I find very unsettling.