davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CO)

Equifax data breach, which potentially opens me and my spouse to identity theft. We have been planning on applying for a HELOC this fall, but if my information is used due to improper security on Equifax 's part, I may not end up having a good credit score, or may be denied for reasons related to fraud using my information.
Consumer complaint received 2020-01-25
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. (NV)

Greetings, I am XXXX XXXX. I have been an unmarried Housewife since I was 19 years old. The majority of my assets were paid for by my Ex-fianc, so I didnt have much to worry about. We recently parted ways due to abuse both verbal and physical. 
There are Collections, inquiries, and addresses listed on all 3 of report that arent mine. Please remove from my report immediately, so that I can obtain credit of my own without and issues. 
Thank you Collections XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  {$850.00} XXXX XXXX XXXX, {$2500.00} Hard Inquiries XXXX Inquiry : XX/XX/2019 XXXX Inquiry : XX/XX/2019
Consumer complaint received 2020-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Bank ( USA ) has sold debt to XXXX XXXX XXXX on XX/XX/XXXX. This is the 3rd or 4th time Capitol One has sold this same debt. 

I have sent XXXX XXXX XXXX a DEBT VALIDATION REQUEST on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). it was sent certified mail receipt # XXXX. XXXX XXXX XXXX has continued to call me from numerous out of state phone numbers. 

PRIOR to this, I was contacted by a debt collector about this debt - a debt which is owned by XXXX XXXX XXXX. This OTHER debt collector is named XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX Ohio, XXXX. I ALSO sent a DEBT VALIDATION REQUEST to XXXX XXXX on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). XXXX XXXX DID NOT RESPOND to this debt validation request whatsoever. 

Instead, XXXX contracted to XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX Utah XXXX. I ALSO SENT A DEBT VALIDATION REQUEST TO XXXX XXXX XXXX on XX/XX/XXXX by certified mail pursuant 15 USC 1692g Sec. 809 ( b ). XXXX XXXX XXXX did not respond in writing. Instead, XXXX XXXX XXXX sent a CD which was not readable and in DID NOT COMPORT to a written response to validate the debt pursuant 15 USC 1692g Sec. 809 ( d ). 

This debt is owed by XXXX XXXX XXXX  - yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) continues to make unwanted contact after being requested in writing on XX/XX/XXXX to both CEASE CONTACT and VALIDATE A DEBT pursuant the legal statutory USC of the FDCPA. 

Today is XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX attempted to serve a summons at my home address DESPITE NO LEGAL OR LEGITIMATE CLAIM FOR DEBT COLLECTION ON BEHALF OF XXXX XXXX. Further, XXXX XXXX XXXX XXXX XXXX has both inflated the value of the debt, refused to comply with a XX/XX/XXXX written request under the FDCPA to validate the debt and prove they are the owners of the debt on behalf of Capital One Bank. 

I did not accept the service of the " SUMMONS '' at my residence. Instead, I witnessed the process server go to my neighbor 's house and tell them I owed a debt before the process server left the summons on my doorstep- invalidating the process. 

MY COMPLAINT : XXXX XXXX XXXX XXXX XXXX is initiating legal service to collect a debt that is not owned by XXXX XXXX XXXX and which there is no obligation. XXXX XXXX XXXX XXXX XXXX refused to validate the debt and continued to make contact -has improperly and illegally filed a summons for a debt owed by XXXX  XXXX XXXX XXXX 

This is harassment and an abuse of process to deliver a summons to collect a debt that is not owned or serviceable by XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX client, XXXX XXXX XXXX
Consumer complaint received 2021-02-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

I been unemployment since XXXX I ask shellpoint morgage to please put the amount past due to the end of the loan they replied they can only put 3monts and that I need to pay at least {$5000.00} that I dont have and still my payment is going to be {$2000.00} a month please help me my mom is a senior citizen on {$550.00} a month I'm still unemployed now to make it worse my unemployment beneftscare on hold since mid XXXX please help ous.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has been reporting a XXXX charge on my credit report since 2015 and I disputed the charges when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it
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)

It was announced XXXX/XXXX/XXXX that Equifax failed to properly protect my personal and confidential information which they had stored about me, by allowing it to be accessed by perpetrators unknown via the Internet. 

Further, it was announced that they have known about this breach since XXXX/XXXX/XXXX but kept quiet until XXXX/XXXX/XXXX. This is unacceptable.
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)

The information about my personal identity and all financial history was illegally obtained by a 3-rd party via Equifax data breach. The knowledge about the breach was not released to a general public until much later. 
Equifax has mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
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 has been divulged in the Equifax leak announced XXXX XXXX, according to https : //www.equifaxsecurity2017.com/potential-impact/. This information can include my date of birth, full address, SSN, drivers license number, and more. I 've put a 90-day fraud alert on my accounts, but I am filing a complaint against Equifax here as well for potential identity theft due to their actions. Furthermore, I believe this site https : //www.equifaxsecurity2017.com/potential-impact/ itself is unsafe, as it asks me to enter my last name and most of my SSN in order to determine if my personal info has leaked.
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. (AZ)

As of XX/XX/17, my personal information and credit information is listed as potentially impacted by the EquiFax security breach on : https XXXX XXXX. I am currently in the process of reviewing my banking and credit information and placing fraud alerts with all 3 credit bureaus to be proactive regarding the protection of my personal information. 

My complaint is that the effort I normally take to protect my finances and ensure accurate information was not matched by EquiFax, a company trusted to securely and truthfully report my credit information. It is unacceptable that this breach took weeks to announce without any attempt to first contact the affected consumers and announce what resolution they were seeking to rectify the situation. It is equally unacceptable that at this point, because the data announced as stolen is so vague and widespread, I am forced to assume that my entire credit history and personal identity is at risk. 

As of the time of this complaint, I have not encountered any fraudulent activity, but this situation is one that will require close monitoring for years to come. If even one piece of my PII is used to engage in fraudulent activity, it will be directly due to EquiFax 's actions and inactions regarding this breach.
Consumer complaint received 2021-02-01
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: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX - Experian Dispute Results # XXXX ( ( Covid-19 ) On XX/XX/21 I submitted a dispute to Experian via their online portal. I included supporting documentation which proved the account should not have been sent to collections by the original creditor due to COVD-19 On XX/XX/21 Their dispute results came back updated and the collections debt remains on my credit report. 

This debt should never have went to collections. The original creditor/collections agency was notified in writing by certified mail that this debt is invalid. 

Experian did not investigate my dispute properly and only updated information, ignoring my supporting documentation which proved this account should have never been sent to collections. This is also a HIPPA violation as my information should have never been shared with an outside party.
Consumer complaint received 2018-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ME)

I contacted Ocwen in the summer ( XXXX  ) to get my PMI ( Private Mortgage Insurance ) removed from my mortgage as the houses in my area have gone up in price. I was advised that unless I have added a bathroom or a bedroom I had to order a full appraisal so they could use that to gauge the value. I specifically asked if I had to contact someone to order an appraisal or if they had to use a specific vendor or company. I was advised that I can set everything up and to send in the paperwork after it has been completed. I ordered an appraisal and the value of what I owe and what my house appraised at in XXXX was under 74 %. My submission was rejected due to " Broker Opinion Value '' I contacted Ocwen and they told me that I couldn't use whoever I wanted to use and they had to initiate it. Ironically the person I used was also the same person that initially appraised my house when I first purchased the house since he told me when I met him. I told the manager I was told that I could use any company as long as it's a full appraisal and I paid {$500.00} to get this done. I was advised that there was nothing they can do, even though I made a case that there must be a recording somewhere as everything is on a recorded line. I would like to receive help removing PMI from my Mortgage as my house is worth more than the contract terms, and at this point Ocwen is charging me about {$95.00} a month for pure profit. I feel like i'm being scammed and also out {$500.00} please help.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2016-11-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

My family 's property is facing foreclosure recently, our father passed away in 2014 and we were unaware of any creditors on his living trust, since his death CITIBANK NA has came forward with a claim and is now looking to foreclosure on our property without taken proper steps.
Consumer complaint received 2022-09-08
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 — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Gave a car back which was a lemon surrender the car was told it wouldnt affect my credit paid loan off in a settlement XXXX credit acceptance told me it would be remove still on credit as closed account but need to be REMOVE off credit report really effecting my credit but I paid off loan
Consumer complaint received 2021-06-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax keeps on lowering my credit score with no explanation in the report # XXXX your stating that your company is not done with investigation that's not what I'm addressing explained why your company lowered my credit score in there different occasions, Equifax lowered my credit score 2 times in XX/XX/2022 & XXXXh one time all 3 times with no explanation why they lowered my score!!!!! If your not done with your so called investigation why did my credit score go down on three separate occasions? No explanation
Consumer complaint received 2020-01-25
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I filed a dispute with Experian regarding my XXXX XXXX account. The dispute was related to the accuracy and the account being tied to me. On XX/XX/XXXX the dispute was updated but the date the account closed changed from over a year ago to XX/XX/2020. This caused my mortgage credit score to drop more than 45 points. Because its now showing as a new negative when in fact its over a year old. This has now caused an extreme burden on myself and family as that is inaccurate information. As a Veteran I was looking to purchase a home this year and now that may be out the question. Experian updated information and changed dates that are available incorrect and unfair to the consumer.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
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. (VA)

Equifax did not take the necessary steps to protect my PI and, when my information was breached, took longer than an acceptable amount of time to disclose it. In addition, they are providing credit monitoring services for only ONE year, while automatically enrolling people who sign up in their paid monitoring service after the free term is up. This seems as if they are trying to take advantage of people who they put in a terrible spot already.
Consumer complaint received 2017-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (NV)

Last XX/XX/XXXXeye opened checking and saving account per directives by XXXX XXXX of XXXX XXXX ca in response to his offer that eye accept business opportunity as mystery shopper and then XXXX XXXX brought to my door repeatedly postal money orders for deposit and withdrawal to send money by money gram. eventually US bank of XXXX started saying that the deposited money orders were fictitious and now they have closed my accounts and say that eye owe them over four thousand dollars. Eye have contacted both the CIA and the FBI besides the inspector general about the matter and have had no response. The money orders have not returned to me, just copies had been mailed. XXXX XXXX
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I lost {$50000.00} due to a crypto platform, a company called XXXX XXXX  I purchased {$50000.00} worth of bitcoin and sent it in increments of $ XXXX to $ XXXX between XXXX of 2023 to XXXX of 2023. Odd things stared happening and I later learned Im XXXX of 2023, it was a Ponzi scheme. Thanks
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: Nicholas Financial Inc. (SC)

Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide me
Consumer complaint received 2017-08-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONLINE Information Services, Inc. (NJ)

on X/XX/2017 a representtive from online collections grvl spoke to someone other then my self at XXXX XXXX. 
i did not authorize they speak to anyone other then me. 
the woman on the phone allegdly gave information pertaining to a image conslulting comna that specilazes in XXXX 

i did not want this information to told to anyone, this is HIPPA! PRIVACY ACT.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

This has been a circus for 3 months now. My equifax credit score was restored to XXXX where it belongs a week ago and you dropped it again for no reason. XXXX is the culprit here but it has already been established. I have never seen so much XXXX and incompetence in my whole life, unless this is just deliberate mean action to keep a consumer like myselfs credit low. On Monday XX/XX/2020 I will be filing a civil lawsuit against XXXX. I will win that lawsuit. If need b I will include all of the credit reporting agaencies as well.