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. (NY)

Equifax mishandled my personal information which has led to a breach that puts myself and millions of others at potential risk. Additionally, 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. Once it was decided to notify the public, I received no email, letter, or phone call and instead had to discover it 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 can be 100 % - without question - guaranteed my identity and personal information is not at risk, and that something like this does not occur again.
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 lost or had stolen my personal financial information. I am still not sure to what degree but at least my social security number. Equifax should be shut down. They get access to all our financial data, that can make or break someone 's life, with the only stipulation being that they keep it secure. They are allowed to profit off of this information and make us pay if we want to access it more than a few times a year, but then they ca n't even keep it secure. This is ridiculous.
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. 

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. 

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 and that something like this does not occur again.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Fraudulent charges were made using my debit card # and pin on XX/XX/XXXX. I received a text message from my Chase Bank account asking if I authorized the amounts or were they fraud. I responded no not to authorize them. I called chase to disable my debit card immediatelyXX/XX/XXXX. Monday morning XX/XX/XXXX I followed up with a call to Chase Bank to report the fraud. They reversed the charged and launched a claim. 

The charges are as you see below : XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$97.00} XXXX XXXX {$12.00} 21 days later Chase reauthorizes the charges saying because the pin # was used there is nothing they can do. Chase claims they can not verify if my debit card with chip was used or not. Which I thought was suppose to be a protection against debit card fraud. I feel that the investigation by chase does not protect the consumer against fraud of someone else stealing your card # and pin. In addition per FTC if you report the fraud you should not be charged again. 

Chase Bank case # Case ID # XXXX
Consumer complaint received 2017-09-09
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. (CA)

Less than XXXX hours ago on XXXX XXXX, XXXX I responded to the news of Equifax security breach. I only learned about this on this day and responded by checking my information on their site. They indicated I was most likely affected. Even though I have a monitoring service through XXXX, I checked the box on Equifax. I saw no language or conditions about waiving my rights to sue or for extended paid services from Equifax. i tried calling them all day w/o success and they seemingly disable the contact us feature on the site. I feel this is an unlawful and unethical approach to this matter and I do not wish to have this service and do not give up my constitutional rights to anything. I also feel I am protected under California law in this regard. I simply wish to disengage in what they are trying to pull and agree to nothing from them. This is highly underhanded and unethical on their part. Equifax has made it impossible for consumers to reach them and all you get is a runaround.
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 personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. To date I have receive no notification from Equifax that my personal information was mishandled. According to new reports, Equifax discovered this breach 6 weeks ago and made no effort to inform their customers or the public of this hack. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. As a result, I will have to bear the burden of this risk for many years to come. 

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. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. So far I have had to pay {$10.00} each to XXXX and Equifax to apply a credit freeze to my records - an immediate cost to this consumer as a direct result of how poorly Equifax protected my personal information! It 's pretty clear that Equifax has learned that they can make money no matter what because no law or agency is looking out for me.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Equifax reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four  credit reporting agencies. This has cost me {$31.00} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control.
This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.
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. (NC)

Equifax has put myself and my family at risk through improper handling of very sensitive personal information. I have no choice in the matter of whether I entrust Equifax with this personal information, because in today 's society it is mandatory if I want to maintain my financial worthiness. 

Equifax literally has one job, and that is to securely maintain this information to protect and preserve my credit. They have failed in the worst possible way. Now myself and others are at risk. The size and nature of this breach, nearly 150 million people affected, means that it is statistically unlikely that the negative consequences will hit me in the immediate future. This actually presents a problem, because it makes it harder to be prepared for it. 

Obviously many of us concerned individuals will be doing everything we can to monitor our credit and watch it closely over the coming months, but with a breach of this size it could be 10 years from now that my leaked data is used against me. We are all vulnerable now, and it could happen at any time.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Equifax took my information, mishandled it and then gave it away to malicious parties. Their website telling me to mark my own calendar is shameful. I did n't ask them to collect this, I did n't lose my information. They should be held fully accountable for everything, and THEY should be dealing with this. Not me. 

Shame on those sleazy executives for selling stock. What kind of disgusting corporate creed are we allowing to happen? Where is the justice and fairness for the average person?
Consumer complaint received 2017-08-23
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MA)

I applied for the XXXX XXXX XXXX card due to the fact that I am a reward elite member with the XXXX, if I apply I would receive XXXX points. I have a good credit score. I keep up with all of my payments. right not I am putting my self on the line for loss of use due to fire in my home for my home owners insurance company to charge the hotel room at the XXXX and wait to be reimburse. the XXXX card is operated by Chase, I had some history with chase, whom still owem me dollars for XX/XX/2014 service contract on a vehicle and and {$30000.00} Mortgage insurance policy so this is what they go back on and. reject me on on the actual facts. I have not opened too maany cards, I openec one jet blue card in the last year. the rest or the informantion is either not updated or incorrect on XXXX. So I want to know to know the exact specific for the rejection now. the reference # XXXX and the exact cards they claim. oopened and the dates opened, this is my information, not chase information and if XXXX is reporting incorrectly they need to correct it. Chase is not keepin me from receiving points, cards thei give out points should not only stick to one bank they should have a variety of band options because of reasons like this due to disccrimination against customer/consumers that challenge them. i never heard of such events, and i think the XXXX notice Emil came that said it was being checked. I would like to know what other bank handles XXXX reward   points, I will besent this copy to the XXXX Rewards   centrer and taking to the Hotel and informing that Chase is deny me points and to find another bank to work with. I would like you to out if this is correct, i know this is a spiteful act. That you!
Consumer complaint received 2017-08-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc. (TX)

I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint PortaXXXX : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which  requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). 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. (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 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. (NE)

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 it all, they had n't used encryption for any information. Anyone who could get into their systems can view all of your personal information, rather than getting access to the data, but not being able to decrypt it.
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (SC)

I have spoken with support online with Best Buy Credit Card services and over the phone to try and negotiate a lower interest rate as mine is 26 %. They have refused to help me in any way. I always make my payments on time and I have been a member of their credit card company for at least 6 years. I feel I deserve a change to have my interest rate lowered. I do n't feel valued at all.
Consumer complaint received 2017-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WV)

On XXXX the XXXX I withdrew {$390.00} out of my Coinbase account to go into my XXXX XXXX XXXX bank account. Its now XXXX the XXXX and it still says my transfer is pending. I 've emailed support twice over the past two weeks for a transfer that should only take 2-5 days. And I 've gotten zero response of what is going on and why its taking so long. My accounts email is XXXXXXXXXXXX
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

not sure where to start. My husband had a XXXX XX/XX/XXXX.Our mortgage company XXXX XXXX XXXX took over a year to help us with a modification. After 14 months of taking the permanent modification payments they told us we did n't meet the guideline. no explanation. The mortgage was sold to Fay Servicing. Again no help. I received a foreclosure letter dated X/XX/2017 when i called Fay Servicing thy told me they did not have this information and to fill out yet another modification package, which did and they showed up at the house with a cash for keys agreement & release. The house was foreclosed and sold. My children live there and now apparently have to move but we have n't heard when.There is plenty more that happened but I am at a loss onwhere to begin.
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

My debit card and all my banking information along with pin # were stolen from my office desk by day labor that was hired to pack up my my office to move. On XXXX-XXXX-2017. 1 ) Personnel account. on XXXX there was a {$500.00} atm withdrawl and onXX/XX/XXXX they tried using the atm card a number of retail stores, the bank stopped allowing any more charges. They then deposited a fraudulent check for {$2300.00} at an atm on XXXX the {$2300.00} check posted and the bank reversed out the {$2300.00}. chk. because it was a 3rd party chk and had a fraudulent signature on the back. After investigating XXXX XXXX approved the {$500.00} withdrawal and put the money back into my acct. My acct. was closed on XXXX I was told they would send me a chk. for the bal. in my acct. After not receiving a check. I call and was told my funds are now frozen in a Recovery account and could take up to 3 more months to investigate? It has been almost 2 months and know. I keep getting the run around and was told I needed to address the problem with my branch. I called the bank manager and she told me it was out of her hands. no one will give me a timeline or reason why they wo n't return my funds after the account has been closed. other than they were checking to see If any outstanding charges that had to be recovered. The bank manager told me she has seen it take anywhere from 3 months to a year? This is timeline is Unacceptable it does not take that long to figure out a simple bank account.
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

XX/XX/XXXX XXXX XXXX took XXXX out if my bank account then again on XX/XX/XXXX they took another XXXX out then on XX/XX/XXXX another XXXX these withdrawls where unauthorized i never approved any of these transaction soon XX/XX/XXXX i contacted the bank to make them aware of the unauthorized transactions they took the information and filed a dispute against the mechant however on XX/XX/XXXX i called to check the status of my dispute and was told my dispute was denied because they called the merchant and the zip code on file with them matched the zip code the had so it was no way that the transactions where unauthorized and it doesnt make sense cause my id was also taken along with my debit card number ending in XXXX.
Consumer complaint received 2017-08-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (IL)

On XXXX-XXXX-2017 I received a loan from Big Picture loans in the amount of {$320.00}. I was not informed of the apr of 598.3962. I was informed that there would be a finance charge of {$140.00} not that I would be paying over {$1700.00} in total payments, and that I was unable to view the truth in lending disclosure until after the loan had been processed and funds delivered to my account.
Consumer complaint received 2017-08-22
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)

Well one student loans went into default do to the fact their were no jobs. That loan went to collections but because its a in house collection company but it is in collections I cant do anything to get removed off my credit file and its been 7+ years now ... .I have attempted to fix this problem about 3 times now and nothing .... I also have the proof in my credit file saying this loan is in house collection through your Company and that 's against the law ...