davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CMG MORTGAGE, INC (CA)

I requested for an Assumptions Package, which I did via email sent to their XXXX email address. That was XXXXXXXX XXXX XXXX and I sent follow-up emails on XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX plus sent messages related to this using the company 's Secure Message facility. On XXXX XXXX XXXX I got an email saying they have a backlog and asked me to just be patient and wait. On XXXX XXXX XXXX and then again on XXXXXXXX XXXX XXXX I sent follow-up emails and messages again and finally got a reply to my last note saying I would get a reply on XXXXXXXX XXXX XXXX. However, I did not get anything so I sent another follow-up request on XXXX XXXX XXXX and still no reply. Its been almost 3 months now since XXXXXXXX XXXX XXXX when I first sent my original request and I can't understand why the company keeps avoiding to satisfy my request. Even if they have a backlog it should not take this long a time to get back to me especially on a very important matter. I had requested for a name and phone number to call regarding this and they keep ignoring that request also, and the general XXXX number that you can call will just tell you to submit a message request using their Secured message facility.
Consumer complaint received 2023-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (TX)

I disputed the collection with the the collection agency my claim shows evidence of identity theft, and everything reported should be shown as accurate. My name is XXXX XXXX XXXX, wrong spelling and addresses have shown constant. I have personal information constantly stolen and used without permission, this has been disputed mutiple times. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. This delinquent account record is inaccurate. Also, I have still gotten constant calls.This has caused anguish and XXXX. I had to change my phone number due to the calls I request that the following account be promptly removed immediately off of my credit for LVNV Funding LLC for {$120.00} and {$490.00}.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I asked XXXX XXXX XXXX to validate the debt for accurate and verifiable information. Also, I asked for proof and accuracy to no avail. The information is not accurate. I asked for original copies. This is an ongoing issue. I want to persue arbitration! According to the FCRA all information must be verifiable, accurate and complete. They are required by law to verify the accuracy of the debt according to FCRA.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : U S DEPT OF EDXXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

you have gotten many many complaints from me but much remains unresolved. I am now getting postcards and letters from lawyer on foreclosure defense. yes i have no loss mititgation packet i asked for many times and i am getitng letters saying you have all my papers. there is no way you do. i am still doing it. 
and dont have XX/XX/2015 taxes done yet. i am about to send XX/XX/XXXX payment and need to work out repayment. I have written to XXXX XXXX. I want to know why i am getting these postcards and it has to stop. why am i hearing from lawyers? has foreclosure been filed? i want someone to call me after XXXX eastern XXXX
Consumer complaint received 2015-03-31
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CO)

I filed a chapter XXXX in 2012 its been discharged since XXXX 2012 and I have a mortgage with Wells Fargo I never late in my payment from the day XXXX purchased my home until this time and also when I filled BK I never included my home. Since the BK my mortgage is not reporting on my credit which when I called to inquire why is not reporting Wells Fargo is keep telling me its protected by BK and also I did n't reaffirmed it. When I talk to legal advisors would tell me the I cant reaffirmed a mortgage which secured by deed. called back wells fargo they are not welling to help me since 2012 my mortgage is not reporting on my credit i need this to resolve, there is no judge will rule a reaffirmed in Colorado.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

XXXX was hacked! I was possibly affected. I tried to enroll in protection program and was told to save the website and come back on or after XXXX XXXX. XXXX should have immediately enrolled every consumer affected or possibly affected and then contacted the consumer with the news and reassurance they were enrolled for a lifetime of credit monitoring!!!! The executives that cashed in before announcement and before stock tanked should be investigated and jailed!
Consumer complaint received 2017-09-08
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)

I validated the security breach had affected me at the suggested link provided by Equifax ( https : //www.equifaxsecurity2017.com/potential-impact/ ). When attempting to get a resolution, I was forwarded to sign up with a pad security service ( free for one year ) with the caveat of forfeiting my rights in a class action lawsuit against them. In summary, Equifax did the following : 1. mishandled secure information with an insecure API that allowed data to be returned to attackers in plain text. 

2. Did not disclose the breach this for over a month while executives sold stock, instead of immediately notifying affected individuals. 

3. Are attempting to prey on victims of this attack further through a carefully worded arbitration agreement that waives litigation rights.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

I placed an order XX/XX/30 with a merchant. Merchant asked me to send Venmo for quicker delivery. Placed the order, then merchant said he would not send unless I doubled the order, wanted me to spend more money. I said no and canceled the order. Merchant refused and then sent me a fake XXXX XXXX tracking number and said he was sending the original order. I immediately told him to cancel and that I believed his site was a scam. He continued to say he would not cancel and was sending. No receipt of course and fraudulent tracking. I never received anything and XXXX XXXX  never had anything that was to be delivered to me during that time. I immediately notified Venmo who did nothing. They refused to stop the transaction even though it was pending. I disputed with my credit card company so Venmo suspended my account and did nothing to the thief. Will never use Venmo again
Consumer complaint received 2017-09-08
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. (OH)

I received notice that my personal information was compromised through the cybersecurity breach of Equifax on XXXX/XXXX/2017. I filed a 90 day fraud alert on my credit profile on XXXX/XXXX/2017 and I am waiting to determine the extent of the breach before taking further action.
Consumer complaint received 2017-09-08
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)

On XXXX/XXXX/17, Equifax had a huge IT security breech and hackers obtained the personal SSN and credit card numbers and histories of many people. I am one of them. Due to Equifax 's lackadaisical approach to IT and computer security, I now need to monitor my reports for any fraud, place a freeze on my credit, and need to monitor my tax filing closely. There was no way on my end to avoid the security breech, however Equifax had the money and resources to prevent it.
Consumer complaint received 2019-07-15
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: Experian Information Solutions Inc. (TX)

I AM A VICTIM OF ID THEFT. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO HAVE THE LISTED ITEMS REMOVED DUE TO ID THEFT YET THE CRA 'S REFUSE TO REMOVE THE INACCURATE ITEMS. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS REMOVED.
Consumer complaint received 2017-09-08
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 2017 that 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. 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 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 2017-09-08
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)

My personal information may have been leaked by the Equifax cybersecurity incident on XX/XX/XXXX ( https : //www.equifaxsecurity2017.comXXXX ) which was reported to the public on XX/XX/XXXX. Their website confirms that my information may be have been compromised ( https : //www.equifaxsecurity2017.comXXXX ).
Consumer complaint received 2017-09-08
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. (MI)

Checking with Equifax regarding the news report of a hacking incident to this company I received this statement from the Equifax Check Potential Impact website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My personal information is among that which was stolen. Equifax should be SEVERELY penalized after they exposed XXXX XXXX people to identity theft through gross negligence. Also, those executives ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, who all elected to sell a significant amount of their shares outside of XXXX scheduled trading plans just days after the breach, need to be investigated for insider trading and face prison time, not to mention delaying informing the victims for months in order for employees to cash out stock options.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I am one of the 100 million plus Americans whose SSN and other information was stolen in the breach of Equifax. I need information on my next steps to protect myself and my family
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: The CMI Group, Inc. (ID)

I would like to enter a complaint against Credit Management L.P. They changed the billing name from Credit Management to XXXX ( Formally XXXX ) on XXXX XXXX refuses to remove the bill despite being paid in full Ref. # XXXX claim they have not been notified by Credit Management L.P. ( In their defense Credit Management L.P. did notify XXXX and XXXX. Both company 's removed the erroneous bill ) I complained about XXXX and got no where. I called a attorney and was advised to refile my complaint against the original billing company, that would be Credit Management L.P. YOU have my full permission to contact XXXX to verify XXXX changed the billing company name after they where notified to remove it however, Credit Management L.P. is the reporting agency that is why this complaint is against them on behalf of XXXX their Client!!
Consumer complaint received 2022-11-14
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Reference # XXXX Date XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX XXXX : {$0.00} DPT EDXXXX XXXX Balance XXXX {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$25000.00XXXX XXXX XXXX XXXX  Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-09-08
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. (OH)

On XXXX/XXXX/XXXX, Equifax reported that they had been breached. My information was mishandled, which puts me and millions of other people at risk. I requested a credit report today, XXXX/XXXX/XXXX, which told me that someone had filed a request for a new credit card on XXXX/XXXX/XXXX with my bank. There is also an additional phone number that is not mine on my credit report. I am also listed as a potential victim according to their XXXX website, and would like a resolution. In my opinion, credit freezing should be made free for anyone who was affected by this situation.
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo denied my claim to dispute a charge of {$15000.00} to a company named XXXX. The reason for their denial was that the company furnished a contract and claimed they rendered service. This company is a scam, selling online business and a coaching program. They flat out lied to me about everything. They sold me an online business that they said would be profitable making $ XXXX in months and $ XXXX a year $ XXXX in 3 years. Not only did I not make a penny, they never provided anything more than a 5 minute phone call every week and a non-functional website. They are getting away with scamming unsuspecting consumers and my bank is helping them. Is it Wells Fargo 's right to take the companies word over their customers? To decipher a contract and decide what was and was not done. When you research this company there are dozens of complaints similar to mine. Furthermore they sold my name to about a dozen other cons.
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kimball, Tirey & St. John LLP (CA)

I sued my landlord XXXX XXXX XXXX because of fraudulent charges after move out. They wo n't release my security deposit. Before the court date, the landlord sent my " debt '' to a debt collector, Kimball, Tirey and St John LLP. However, I won a judgment at court against XXXX XXXX XXXX XXXX but up to now, the " debt '' is still outstanding on Kimball, Tirey 's website - https : //kimball.virtualcollector.net/. I sent them XXXX letters - debt validation, and a letter with the judgment attached. They still have the supposed debt outstanding on their website.
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I am the court appointed conservator for an individual. Capital One sent out a credit card which I returned to them and told them to cancel. They refuse to do so and are now billing the annual fee and late fees on top of that. They insisted that I send them certified copies of the letters of appointment, which I have done, but they still refuse to address this issue. Under Iowa law, the ward does not have the legal authority to enter into a credit card agreement and in this case I caught it before the card was ever used. However, Capital One keeps telling me that I, as conservator, do n't have the authority to cancel this.
Consumer complaint received 2017-09-08
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. (OR)

XXXX XXXX : Equifax learned about a leak of consumers information XXXX XXXX : Equifax publicly announced the hack XXXX XXXX : I learn I personally was affected by using their website, equifaxsecurity2017.com XXXX XXXX : I learned my personal information has been stolen for multiple months before I had any chance to take protective measures XXXX XXXX : I learn they 're only willing to provide 1 year of credit monitoring in exchange for a lifetime of exposure and giving up many legal rights
Consumer complaint received 2017-09-08
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. (OR)

I have been informed through Equifax that my personal information was part of the hack that accorded in XX/XX/2017. It seems that I was part of those who were most affected by having my name, address, SSN, and Credit Card information hacked and totally compromised. So far I have n't been made aware of any identity theft against me, but I appear to be most at risk.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, XXXX, I attempted to place a freeze on my credit file with Equifax, at XXXX XXXX XXXX After entering my information and my credit card information, I received a message saying I had to submit the same information by mail. By contrast, XXXX  and XXXX were both able to place a freeze on my credit online, with the same information. 

This is an unreasonable burden that dissuades consumers from trying to protect their credit. If further verification is needed, then Equifax should perform it online or over the phone.
Consumer complaint received 2017-09-08
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 #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that 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. 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 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.