davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP (NY)

I received on XXXX/XXXX/XXXX a letter from XXXX XXXX, XXXX. of the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The letter is attached. In it are listed additional fees, including property inspections, valuations, " XXXX Membership Fees, '' which, if XXXX reviews this case over the last year, and the relevant actions of Key Bank and the XXXX, are unreasonable collection expenses, in violation of our loan agreement, but also are being assessed BEFORE foreclosure and before case mediation, in violation of NYS law, I believe, CPLR Sec. XXXX, but I might be confusing this section of law with another. Please see my complaint dated XXXX/XXXX/XXXX for the correct citation. This action also has the effect of destroying equity, in violation of XXXX 's prohibition against predatory servicing and how " equity stripping '' was viewed by the XXXX of XXXX of XXXX and is now viewed by the CFPB. 

I spoke with XXXX XXXX on XXXX/XXXX/XXXX, and she is researching Key Bank 's obligation to provide a named Key Bank employee with the authority to negotiate a workout, something that will be required of Key Bank in the foreclosure process. I want to be clear about this obligation, because I do not think I was clear with XXXX XXXX in our phone conversation. Only the president of a corporation - outside any specific delegation - has the authority to negotiate a contract for the corporation. I do n't think XXXX XXXX XXXX is planning on negotiating for Key Bank, so Key Bank must delegate that authority to someone, whether it be XXXX XXXX, who is the regulatory contact for the CFPB, or someone else. It CAN NOT be Key Bank 's attorney, which is what XXXX XXXX XXXX represented to me in our phone conversation of XXXX/XXXX/XXXX. Indeed, XXXX XXXX 's professional ethics would prevent her from acting as a principal ; she may only act as an advisor to Key Bank. I am still awaiting the identification of this employee at Key Bank and have been waiting now for over a year.
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 — Account status incorrect
Company: EQUIFAX, INC. (LA)

This account was paid off on XX/XX/XXXX. XXXX XXXX XXXX is reporting late payments XX/XX/XXXX and also XXXX and XX/XX/XXXX. Thats incorrect information being reported it was paid off on XX/XX/XXXX. Account # XXXX
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

My information was initially exposed in the XXXX breach and gained access to credit and identity monitoring after that incident. Since then, I regularly check all alerts that typically include normal inquiries for credit or new accounts being opened that were my own. I recently found out that my information was also exposed again during the recent Equifax breach and yesterday I got another alert that XXXX XXXX XXXX had done an inquiry on my credit via Equifax. Knowing this was n't initiated by me, I contacted XXXX XXXX XXXX 's fraud department and found out that on XXXX/XXXX/XXXX, a wireless account was opened with my SSN using someone else 's name and address. XXXX XXXX XXXX 's fraud department actually did close the account as of yesterday and marked it as fraudulent but now I have confirmed that my SSN has been exposed and was stolen with the intent to use it to steal my identity. I have reported fraud alerts with XXXX who said that fraud alerts would then be sent to the other XXXX major bureaus
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. (LA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX t
hat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Also consumers were not informed in a timely matter as the company kept news of this breach secret for weeks! Further putting the consumer at risk while trying to save their own hide. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-09-12
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. (PA)

Equifax allowed my information to be accessed by an unauthorized 3rd party who has the ability to access all of my personal information for potential monetary exploitation.
I never allowed Equifax to store this information nor to host it in a manner that it could be compromised. They willfully did not attempt to store my data in a manner that would be consistent with reasonable identity protection and are unable to provide me with clear answers as to the following : 1. Who took my information?
2. What information of mine was compromised?
3. What steps are they taking to protect me?
4. Should someone attempt to use my data in an unscrupulous manner, will Equifax cover the legal and time costs?
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a dispute with Equifax to remove two hard inquiries ( made on XX/XX/XXXX and XXXX ) on my credit report that I did not recognize and were not authorized by me. However, their investigation ( returned on XX/XX/XXXX ) did not find an issue with either one. I was able to contact the company that made the hard inquiry on XXXX and they verified, based on the personal information I provided, that it was a fraudulent attempt to open a new line of credit in my name and informed me that they would remove the inquiry from my credit report. As of XX/XX/XXXX, the second hard inquiry on XX/XX/XXXX and fraudulent attempt to open a new credit line in my name hasn't resulted in a new account ( to my knowledge ), but I've been unable to figure out which company address or phone number to contact and verify this and to have the inquiry removed from my credit report.
Consumer complaint received 2022-10-03
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: U.S. BANCORP (TX)

My Ex husband XXXX XXXX ownes this house and I haven't lived at this property since XXXX. He lives there with his New wife and kids. My Divorce decree confirms that XXXX XXXX should have refinanced the house in XX/XX/XXXX.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

After several attempts, Equifax and XXXX  will not remove a collection item from my credit report, causing a significant negative impact on my credit score. The issue is not a collection issue. It is a contract dispute between me and my former landlord. The dispute relates to the landlord 's failure to mitigate losses due to early termination of my lease and improperly using the security deposit to offset rent that is in dispute. 

Because Equifax and XXXX  have refused to remove this item from my credit report, I have been forced to file a lawsuit against the creditor ( XXXX XXXX XXXX ) which I attach and I am also attaching the latest investigation result from Equifax which has all the relevant details. 

Equifax and XXXX  must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is currently in litigation. 

In addition, I have tried to resolve the dispute with the collections agency, XXXX XXXX XXXX After several attempts, they also refused to accept that this issue is not a collections issue but a contract dispute. I had to pay the outstanding amount to limit the damage to my credit and then subsequently file a lawsuit against the creditor ( XXXX XXXX XXXX ) to obtain my money back and hopefully also to remove this line item from my credit report. 

Amount at issue is {$860.00}. The initial dispute arose in XX/XX/XXXX. The latest update from Equifax was received on XXXX XXXX, XXXX. Lawsuit was Filed on XX/XX/XXXX in order to show that this is a contract dispute in active litigation and not a collection issue.
Consumer complaint received 2022-08-25
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
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. (FL)

XXXX displayed on all XXXX Credit Bureaus of {$4100.00} for XXXX XXXX XXXX Account # XXXX is incorrect, balance is {$0.00}. 

In fact, I prevailed in a Civil Action both personally and for my corporation in XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Case # XXXX disputing their disingenuous claim of {$4100.00} and was granted a DISMISSAL WITH PREJUDICE in my favor. 

No balance is owed, {$0.00}.
Consumer complaint received 2017-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (ME)

I am attempting to resolve a student loan that is from XXXX XXXX, then navient, i just had XXXX XXXX from consumer credit something at XXXX -- XXXX just call me. Ive offered them XXXX as my loan was XXXX in XXXX they tell me that i have to pay the XXXX that its gotten too or 25 % of that. then claim that I am threatening him when i mention the law suits against Navient, when i offered the XXXX i was told that last month that would ; have worked but not this month the " specials '' are over. They refuse to take the money i have yet say i am refusing to pay. 

what can i do?
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Due to the recently announced Equifax breach, I have tried to request a Freeze on my credit report with all XXXX bureaus. I have tried contacting the freeze phone number for Equifax and XXXX that is published on XXXX 's website ... I receive an error message stating that the service is not currently available. I have made the phone call attempt multiple times. 
From there, I tried to submit the freeze request via online. This attempt was also unsuccessful as I get an error message that the server is not available. 
I was successful in requesting a freeze through XXXX, however both phone and online options have not been successful with Equifax or XXXX. I need to request a credit freeze due to the breach, but can not do so. The attempts made have been XXXX times, literally. In other words, I am not submitting this complaint after only trying the phone number or online XXXX or XXXX times. I have literally dialed the number and/or tried the online request XXXX times. 
My credit and identity is at request through no fault of my own and I would like to request a freeze for my protection, but the tools that Equifax and XXXX have provided are not in working order.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have tried XXXX times in the last week to put a freeze on my credit account at Equifax. They say the service is not available and they make lame excuses about Irma impacting things. I have tried on the phone and on their website. I have successfully placed a freeze at XXXX ( who makes this process the simplest ) and at XXXX. Equifax is playing games. 

I would also like to complain that this process is overly burdensome. I have to put a freeze on both my account and my wife 's. I have invested well over XXXX hours in this process already and I am still not finished.
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 did not have substantial security in place that resulted in a breach of their infrastructure by unauthorized users. Through the breach, unauthorized users were able to obtain my social security number along with other identifying information that rendered my identity at risk of theft.
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. (WI)

Equifax mishandled my information which has lead 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 while Equifax has access to all means of communication with me.
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. (PA)

According to Equifax 's own website for checking whether or not my sensitive information ( including my SSN and other personal information ) were leaked in this latest incident, my information may be at risk of being stolen, making me EXTREMELY vulnerable to identity theft or other forms of fraud. 

This is clearly due to negligence on behalf of Equifax. Their IT/Cybersecurity was entirely inadequate for the level of sensitive information they kept on their servers. Now, 143+ million Americans are at extreme fraud risk. Accounting for the fact that approximately 22.8 % of Americans are under the age of 18, roughly 3/5 of adult Americans had their sensitive identifying information leaked. At this scale, this could be should be considered a national security incident.
Not to mention, it appears that multiple Equifax executives divested their stock holdings just before the announcement broke ( see : insider trading ).
In short : I am an American who does not feel financially safe or secure. Equifax needs the book to be thrown at them. I have contacted my state and federal representatives about this issue, and I expect that the CFPB will make every effort, in conjunction with legislators and the U.S. judiciary, that Equifax is entirely liquidated and that any other organizations that hold sensitive consumer information are held to appropriate security standards.
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (CO)

The XXXX XXXX XXXX XXXX is attempting to collect a debt from XXXX XXXX in the amount of {$5100.00} that is not owed for medication my wife XXXX has taken for the last ten years. Her prescription has been supported by XXXX XXXX since the beginning and still is supported currently to date. The most we have ever paid for the prescription is {$10.00}. We switched health insurance in approximately XX/XX/XXXX and her prescription fulfilment was then switched to XXXX XXXX. There was a mistake in the paperwork handoff and XXXX XXXX mistakenly alleged we owed {$5100.00} for a prescription we did not receive. I spent hours on the phone with XXXX XXXX, XXXX and XXXXXXXX XXXX as did my wife trying to correct this mistake made by XXXX XXXX. In XX/XX/XXXX we seemed to finally have the mistake resolved and did not hear anything from XXXX XXXX again. Suddenly, XX/XX/XXXX we received a letter from the NRA Group , LLC demanding payment for {$5100.00} for the mistake by XXXX XXXX. I immediately wrote NRA Group explaining I did not owe that money and requested competent evidence that I had a legal obligation to pay this debt and also requested they cease communications, written and via telephone until they could verify I owed this debt. NRA Group responded with a computer screenshot showing {$5100.00} but no evidence I owed the debt. NRA group has now sent six letters every ten days demanding payment and is now threatening to mount a telephone harassment campaign against me. I have responded to every letter sent by NRA Group requesting evidence this debt is owed and requesting they cease communication until they provide evidence. They refuse to comply and instead are harassing me and threatening further harassment.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

I purchased XXXX postcards from XXXX for advertising my company. I was charged for XXXX. I never received an invoice or any sort of bill. My bookkeeper saw the charge on the statement, is how we found out about it. They charged my credit card without any authorization. They must have kept my credit card # from 6 months ago when I purchased XXXX cards. I have purchased XXXX cards from them at least 2 times prior. I have always bought the same amount. The account representative whom I dealt with left the company shortly after this. What I suspect happened is that she had my card billed so that she would receive a nice commission before leaving the company. I disputed it with XXXX XXXX XXXX and they denied my claim. XXXX XXXX XXXX claims that XXXX will not communicate with them on this matter. I had my attorney write a letter to Chase and they closed the dispute and will not communicate further with my attorney. XXXX XXXX XXXX says that I received XXXX therefore I owe the money. I never signed for XXXX cards. XXXX had no authority to charge my card, and I never received the XXXX cards. Chase does not want to be responsible for the charge.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

Equifax and the others will be making money from the victims of the Equifax fraud as the solution, freezing the account, costs money. Equifax should not onlyl pay for each of these freezes and subsequent defreeze, but also set up a fund for the victims. 
Please do n't allow yet another fraud on the consumer victims be paid for by the victims when the responsible party gets away Scott free.
Consumer complaint received 2017-06-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

I have been sent to collections to two different companies for the same debt with two different amounts. I believe Macy 's has violated FDCPA by laws as well as these debt collectors. I have attached two separate letters to validate my complaint.
Consumer complaint received 2018-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES (PA)

I only attended XXXX XXXX for two semesters. They were somehow able to obtain acess to every single federal loan and grant i was capable of recieving. Ultimately cashing them all in for roughly {$25000.00} in just six weeks. Deposited it into their school account. i saw none of it. Then after leaving i was current on my payments until i had six different accounts. And every year my refund check is taken but nobody has the common decency to say why or send me a reciept for which outstanding account it went toward? You think im some kind of fool? My father didnt raise me to be a pushover and get hustled. We earn what we get. We dont just collect or inhereit a secret hedge fund from grandpa XXXX from XXXX XXXX.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MI)

I have contacted experian numerous times in regards to a collection from XXXX XXXX XXXX XXXX that appears on my credit report from Experian. I 've tried for the past year, to get this sorted out. Under the FCRA I have the right to ask how my dispute was processed and who they contacted for the information. I have done so, and they always claim they investigated the dispute, and it is accurate. How do they deem that its accurate if they ca n't even tell me who they spoke to? I disputed this account online in XXXX 2016 and most recently XXXX XXXX. I would like this account removed as there is no relationship between myself and XXXX XXXX XXXX XXXX.