davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (MI)

I have a credit card with Chase Bank. My payment was past due by about two weeks. In the two weeks that my payment was considered past due, Chase Bank called me a minimum of two times per day, everyday. In addition to calling me excessively, they called my father, without my knowledge or consent, a minimum of two times per day as well. After a few days of excessive phone calls, my father answered their call. The representative of Chase Bank then told my father, without my knowledge or consent, that I had a credit card with them, they then told him the exact balance of the credit card, the amount of time that the payment was past due, the minimum payment that I owed to them and when my next payment was due. In addition to telling my father this information, without my knowledge or consent, the Chase Bank representative then allowed my father to authorize and schedule a payment from a bank account that I had previously used to make a payment on my Chase credit card. The representative allowed my father to choose the amount that would be taken from MY checking account and used to pay Chase Bank, all without my consent or even knowledge. Because I did not know that Chase Bank had contacted my father, shared my information and allowed my father to authorize a payment from my personal checking account on my behalf, I did not have the funds to cover the payment in my checking account, thus over drafting the account. Chase Bank had no right to contact my father, let alone share my personal information with him, or allow him to authorize Chase Bank to withdraw money from my personal checking account.
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)

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

I disputed an amount of {$130.00} for a charge on my account that should not have happen with US Bank. I received a rental car from XXXX XXXX after an accident with my car. The other person 's insurance company had to pay for the damages. I was to receive a rental car during the time my car was in the shop. I was told by XXXX that I will not be charged for the rental, just the holding fee of {$50.00}, which will be returned to me after I return the rental car. I received the rental on XXXX XXXX, XXXX and returned the car on XXXX XXXX, XXXX and my balance was at {$0.00}. A week later on XXXX XXXX, XXXX, my bank account had a charge of {$130.00} from XXXX XXXX which put my account in negative and received an overdraft fee of {$36.00}. I contacted XXXX and was told by the Manager, that she was sorry, she did n't know how to process a rental through the insurance company. I asked for the payment to be credited back into my account and was told they can not give credit after the rental agreement has been closed. I was shocked, after they took my money when the agreement was closed. I then contacted US bank to dispute the claim, I was given credit back in my account after 10 days from XXXX XXXX, XXXX. I did not receive the dispute paperwork until XXXX XXXX, XXXX. I sent over receipts from XXXX that showed my balance as {$0.00} and receipts that show they billed the insurance company. My dispute claim was denied after US bank card service received information from XXXX that the insurance company sent me a check after I disputed the amount. I was charged several overdraft fees in the amount of {$320.00} from the beginning of my dispute to now. Recently, I was charged {$280.00} of overdraft fees on Wednesday XXXX XXXX, XXXX, Thursday XXXX XXXX, XXXX, and Friday XXXX XXXX, XXXX. Overall, US Bank should have protected my account after I explained to them, that I should not have been charged in the first place. Instead I 'm stuck with multiple overdraft fees and I ca n't pay my bills for the month. US Bank did take into consideration that I did not authorize XXXX to take that amount out of my account. I spoke to several bankers, the claim department, as well as the bank manager that I open my account with, about removing the overdraft fees and all they say is there 's nothing they can do until I send in paperwork showing that the insurance company paid XXXX XXXX directly. Instead of the bank charging me 1 overdraft fee of {$36.00} for the forced charge back on my account in the amount of {$130.00} that occurred on Wednesday XXXX XXXX, the bank charged me 8 overdraft fees for my purchases made before this forced charge back. This is unethical practices and I will like someone to look into my issue.
Consumer complaint received 2017-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I 've had a Costco Visa credit card for 3 months. Every month I make a one time payment for all my purchases with my XXXX XXXX checking account that is linked to this credit card. A VERY excessive payment hold is placed by Citibank after they have already received the money. Because of these excessive payment holds I 'm unable to use the credit card because they do not adjust the available credit. Payment hold times after Citibank receives the funds are so excessive this seems illegal. I spoke with a Citibank manager via phone who stated that he totally disagrees with this practice. He stated " once a payment posts we should not continue to place a hold on that available credit for such a long time ... sometimes up to 2 weeks ''. Unfortunately, the only way to remove this hold is for customers to call Citibank and request a 3-way call with their bank to confirm payment. I 'm considering closing this account because the time I spend each month with Citibank making that 3-way call is a lot more valueable than the benefits this card offers.
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. (MD)

I am filing a complaing against the credit bureau Equifax based on the recent security incident that was reported on XXXX XXXX 2017, yet occurred months earlier in XX/XX/XXXX.
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. (WA)

Equifax mishandled my information through poor security practices which has put the majority of adults in this country at risk for credit fraud. Their handling of this breach and the lack of security preparations is disappointing. 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. 

Equifax should be held financially and legally responsible for every account and victim if any fraud occurs. The whole situation happened due to their poor security despite their knowledge that their information is critical to hundreds of millions of people. 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 fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NE)

I wanted to freeze my credit with all three agencies after the Equifax hack. I live in Nebraska so the price to do it should be {$3.00}. At XXXX and XXXX that 's what I was charged. Equifax was charging {$10.00} to freeze credit. It seems like Equifax should be offering this for free instead of overcharging people for this.
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 — Didn't receive services that were advertised
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.
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. (KS)

Equifax grossly mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am very disappointed in Equifax 's handling and reporting of this breach. Little was done to notify anyone for nearly a month after the breach was discovered. I received no contact ( email, letter, or call ). Instead, I discovered it word of mouth and social media.
Consumer complaint received 2017-09-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (NC)

My business partner and I opened a Merchant Services Account with Wells Fargo in order to process credit card payments from our small business customers. We met with an account representative on XX/XX/2014 to set up a new business checking account and credit card processing service application. Throughout the entire meeting, we were only made aware of the contract 's stipulations verbally and frequently received instructions to authorize our consent by signing a screenless digital signature pad. Although we were hesitant to agree to the terms and conditions of the contract without being able to read it in it 's entirety, we were assured by our account representative that we were receiving full disclosure and had no reason to delay the application process. Only after we signed the agreement electronically were we given a hard copy of the contract for our files. At no time during the verbal " disclosure '' ( or outlined anywhere in the printed agreement ) were we made aware that there would be a $ XXXX-USD early termination fee to forgo the credit card processing services within a five ( 5 ) year period. Since opening the account in XX/XX/2014, our business checking account has been set to automatically withdrawal three ( 3 ) separate processing fees on a monthly basis. These fees have continuously increased overtime and seem to have little to no bearing on the actual payments we processed during the statement dates. The combined total for these monthly fees have rarely, if ever, been less than $ XXXX-USD and has caused our account to go into overdraft several times. On more than one occasion, these individual fees ( some as low as $ XXXX-USD ) have accrued an overdraft protection fee of $ XXXX-USD per transaction ( i.e., an additional $ XXXX-USD in bank fees for insufficient funds ). It is an endless cycle that we would have never signed up for if we had been made aware of ( or at least given an adequate opportunity to review ) the terms and conditions of the agreement. I have expressed these concerns to my designated account manager on several occasions only to be told that she has no control over the agreed upon terms and that I should contact a member of the third-party payment processor to proceed. I reached out to a customer service representative from this third-party company to express our concerns about the associated fees and minimum monthly requirements to avoid additional charges. In one of these conversations, I was told to process my personal credit/debit cards during " slower '' months in order to meet these monthly minimums. It is clear that since signing up for a Wells Fargo Merchant Services Account, our small business has suffered exponentially.
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. (MS)

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. (TX)

Equifax had a security breach which affected 143 million Americans and did n't tell consumers for a month! And their executives sold off stocks 3 days after finding out about the breach which should be considered fraud. Furthermore, to sign up for the free year of credit monitoring they offered as consolation, you have to agree to terms of use which include your inability to sue them or be a part of a class action lawsuit.
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 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 2023-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

The debit from XXXX is showing as in collections on my credit report. 
Date Open is stating on XX/XX/XXXX, XXXX creditor -XXXX  for the amount of XXXX. I contacted wayfair once I seen it was on my credit. They stated after investigation that they didnt show that anything debit or account was listed under name and information. They then sent me a documentaion on XX/XX/2020 stating that they terminated collection and have indeed do NOT have a balance nor any debit with them. 
I have the orginal documentaion available.
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. (OK)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
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)

With the Equifax hack, there has been no way to contact the company after told I MAY have been involved in the breach. They have made no effort to contact me to tell me if I was or was not included.
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. (TX)

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. (CA)

I was a victim of the Equifax hack. My information was leaked and released. Now i have to spend money to buy Credit protection that costs {$100.00} a year.
Consumer complaint received 2017-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

In XXXX and XXXX I consolidated enrolled in income based repayment. During that process talked to XXXX customer service agents many times and was repeatedly assured that all my XXXX loans were PSLF eligible. This was not correct and I lost about 37 months of PSLF payments before realizing that not all my loans were accumulating PSLF credits. This was an awful experience, and made me feel stupid and helpless and angry. I cried after getting off the phone with agents because the interactions were so frustrating and there seemed to be nothing I could do about it. 

I re-consolidated earlier in XXXX and was told that all of my loans would be on the same payment plan, and would be direct debited, and I did n't have to do anything else. I called and asked about this specifically. 

Then I got a bill indicating that only part of my payment would be direct debited and the other part had a manual payment due. I logged in and changed my entire payment to direct debit and got an email confirming that a direct debit payment would be processed tomorrow, XXXX. I called to confirm this and was told that no direct debit would be proceed on XXXX. I was told to pay manually and ignore the email and the information on my account page stating that an electronic payment would be debited on XXXX. I was told that I could pay manually and then skip a payment next month if the electronic debit was actually processed ( missing out on yet another PSLF monthlypayment credit ) or not pay the bill and wait three business days to see if they process the electronic payment, and pay manually if they did n't. 

I asked to file a complaint about getting misleading information and the agent was sympathetic and said she would note the complaint, but I do n't feel confident in XXXX billing or the information I get from the customer service agents, as dealing with them has repeatedly left me feeling awful, helpless, and frustrated. 

I ca n't pause the electronic payment for this month because it is " already being processed '' even though it is supposedly not going to be withdrawn. I just want to pay my bills on time and not miss out on any more PSLF monthly payments.
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)

Equifax improperly handled their data security, allowing over 140 million credit report accounts, including account numbers, addresses and social security numbers, to be accessed by unknown third parties for an undisclosed amount of time. They have failed to notify affected customers in a timely manner and have not provided any clear method of protection of consumers or plan to correct this catastrophic error. Hundreds of millions are now at immediate risk of identity theft and fraud.