davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00XXXX XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-13
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)

In light of the Equifax hack, I feel I should be able to freeze or otherwise restrict access to my credit report at all reporting companies completely for free, and at my own discretion, now and forevermore. Paying even a nominal fee for this service is unconscionable in light of the gross misuse of my data.
Consumer complaint received 2017-09-13
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)

this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XXXX/XXXX/XXXX both account 's
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)

My personal information was severely by Equifax and their security team, and was not informed about this directly until the report came out a month later, and I had to check online on my own accord to see if I was affected. I have had to place freezes on my account with Equifax, XXXX, and XXXX. However, I still have trouble getting through with Equifax 's system to place a freeze on my account with them, which is very counterproductive, especially with a company that just mishandled my information.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (NV)

I bought a prepaid gift card and I bought it at XXXX and loaded for {$120.00}. When I tried to activated it shows an invalid card so I called the XXXX number and they said that is was not activated and that XXXX charge me and sold me a peace of plastic. I went to XXXX and I called again from there, after a discussion between XXXX manager and a person from customer service who was talking with his supervisor at prepaid gift card. The supervisor finally agreed and authorized activating this card. I bought this card on XXXX XXXX. And tried to activated on Saturday XXXX XXXX. 

Then today XXXX XXXX i tried the make a purchase In the internet and I got a message of low balance. So I check the balance in their webpage and it showed my card was used at a dollar tree in Arizona when I live in XXXX nevada. 

I called prepaid gift card and they only agreed to file a dispute. And they said they will send me a fax which takes at least XXXX business hours and to send it back will take another XXXX hours. I do n't know if they send the fax on bus or what??. And the dispute department told me it will take at least 90 days to resolve if I 'm right. 

I do n't understand how could they play games with people. When I called on Saturday the XXXX, I had to be on the phone for more than an hour because they said they could not help me, until finally I got them to activated the card by the supervisor and supposedly fixed by the issue. 
Terrible customer support. Now I am without my money until who knows when if they are willing to help me. I do n't know what to do or go to the police or what?? 

I spoke with XXXX XXXX from disputes Please advice
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. (NJ)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They were subject to a data breach 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. They are further attempting to capitalize on the situation by signing injured parties up for " trial periods '' of their ID protection services. It is further unreasonable that they have not directly notified anyone affected by this incident, nor disclosed the breach in a timely manner.
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IA)

For the past 1 year after not being notified of this debt, I have been trying to reach out to the creditor XXXX in regards to this debt not being mine. I have requested multiple times method of verification to prove this debt belongs to me ; unfortunately, this info has not been received all my attempts have been ignored.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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. (CT)

I have been trying for the last XXXX days ( XXXX ) to establish a security freeze on my credit file with Equifax. Their website is down, I ca n't get through to their customer service #, and the " incident '' response call center reps tell me they can not assist me with establishing the freeze, do not know what # to call at Equifax to establish the freeze, and suggest I " keep trying '' to access the downed website.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

I have written, and called Equifax numerous times. They do not give the option to permanently remove a credit freeze. They compromised all Americans accounts several years ago. They gave an option to get a credit freeze, now they do not offer any away except for mailing all your personal information through the mail. You can not overnight your request because the only address is a PO box . They run you around in a circle and do not allow you to sign in online. When you call they ask you security questions that are not accurate nor possible to answer. This has made it very difficult for me to sign up for XXXX and Social Security payments. This is criminal and they should be listed as a fraudulent company. All I want is my credit freeze lifted. I had not problem with XXXX or XXXX XXXX. The websites are loaded with this same complain about Equifax. Something needs to be done immediately!!
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)

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 the breach via social media. 

This is an undue burden from a company I have never chosen to do business with ; they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence. 

I discovered my information may have been compromised on XXXX XXXX, 2017 via Equifax 's website : www.equifaxsecurity2017.com.  After checking to see if my information was compromised, I received the message : " Thank you -- Based on the information provided, we believe that your personal information may have been impacted by this incident ''. I then immediately placed a 90-day Fraud Alert with Equifax, XXXX, and XXXX, and froze my credit with Equifax.
Consumer complaint received 2020-08-19
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. (FL)

MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS THE ACCOUNTS LISTED DO NOT BELONG TO ME MY INFORMATION WAS STOLEN I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

I noticed a total of five fraudulent transactions on my Chase credit card and reported them to Chase as soon as I noticed them on XX/XX/XXXX. Chase bank refuses to take these fraudulent charges off my account. When I opened my credit card with Chase, I was told that I would have zero liability for unauthorized fraudulent transactions that appear on my credit card. This is clearly not the case, as Chase has no problem lying to you to get your business. Below are the fraudulent transactions that appeared on my credit card : XX/XX/XXXX for {$2900.00} XX/XX/XXXX for {$6000.00} XX/XX/XXXX for {$4100.00} XX/XX/XXXX for XXXX XX/XX/XXXX for {$6200.00} for a total of {$19000.00} in unauthorized, fraudulent transactions If you are looking for a credit card, stay away from Chase. They will hold you, the customer, responsible for unauthorized fraudulent transactions on your account.
Consumer complaint received 2022-01-05
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-22
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. (WA)

In XX/XX/2020 my credit score went down 51 points on XXXX XXXX and 69 points in equifax. This is strange because I have no new accounts and all my credit cards have been paid on time. I have called XXXX XXXX but they have been very difficult and were not able to explain why my credit went down by this huge sum. I am worried because my credit has never went down this much for no reason. Equifax does not have an option for me to dispute my charges making it hard. No one can answer my question and it is proving to be frustrating. I am tired of not getting an answer or being told something generic and off the script. My credit has been reported falsely and I want to know why and I want it fixed.
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 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 2020-06-22
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)

show XXXX  button XXXX  XXXXDispute XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX filed ftc
Consumer complaint received 2020-06-22
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. (MO)

I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So I decided to pull my report and I noticed accounts that are not mine. 
XXXX {$300.00} XXXX {$270.00} XXXX {$29000.00} USDOEXXXX {$23000.00}
Consumer complaint received 2017-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: GVA Holdings, LLC (PA)

I 'm not sure if this is where I make this type of complaint, however, I have been receiving calls threatening me with a lawsuit that I received an online payday loan and never paid it back. I never received the loan at the time and this was 6 years ago. I applied for a loan online, but decided not to accept the terms. I canceled it, but my account was still debited {$99.00}. I went to my bank and they reversed the transaction and issued a new checking account to me. A few years ago, I received threatening calls stating a similar scenario that Legal action was being taken against me for non-payment of a payday loan that turned out to be a scam. During the current call I received, the representative stated to me my full social security number, phone number, birth date, and address. I am afraid I will be a victim of identity theft because after I accused the representative of being a scam artist, he became hostile stating " good luck in court, you 're going to jail. Just wait and see what happens. '' Please let me know what I can do about this!
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Seterus, Inc. (MI)

I have been with Seterus, Inc. for my mortgage for about XXXX years. I have been trying to refinance my home and Seterus has not updated my credit history in over a year. I have called Seterus once a month since XXXX XXXX to update my report and every time I call they tell me it will take a month to reflect on my credit report. As of XXXX XXXX, it still has n't been updated and I can not refinance my mortgage or my vehicle.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (VA)

I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. FIRST PROGRESS abruptly closed my account without my permission. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to FIRST PROGRESS as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against FIRST PROGRESS in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 FIRST PROGRESS is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against FIRST PROGRESS for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.3. A Promissory note is a negotiable instrument. FIRST PROGRESS has committed aggravated Identity theft and is still benefiting from my intellectual property. FIRST PROGESS ALSO TOOK 2 DOWN PAYMENTS OF {$200.00} IN CONNECTION WITH THIS CONSUMER CREDIT TRANSACTION. I have 2 accounts with FIRST PROGRESS.
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)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2017-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NV)

I sent payment to a vendor via coinbase and the vendor says they never received payment and will not ship without proof from coinbase I have tried reaching customer service via email, XXXX and their online help site l daily for well over a week and a half since XXXX/XXXX/XXXX This is for medication my son NEEDS, I get no answer at all from coinbase and recently got back a massage that emailing them directly has been disabled They have no customer service number, the do not return emails and there online chat looks to be disabled Sent XXXX XXXX XXXX {$300.00} To XXXX Note For order # XXXX Confirmations XXXX Fee XXXX XXXX Transaction View transaction XXXX/XXXX/XXXX XXXX PM COMPLETED
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. (WA)

This is regarding Equifax 's security breach - I 've had to place a freeze on my accounts, close accounts, and change all my passwords and security questions. I 've already had suspicious activity on a website where someone obtained my information and placed a XXXX dollar order on my card.