davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
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: EQUIFAX, INC. (CO)

I am submitting this complaint on my own behalf without the help of anyone/anything other than publicly available laws. I authorize Equifax to comply with my demands. 1. Notice, it is a fact, that I submitted an identity theft report to Equifax, the receipt of which Equifax confirmed on XX/XX/2021 at XXXX mountain time. ( See Exhibit ).

2. Notice, it is a fact, 15 U.S. Code 1681c- 2 states : except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft not later than 4 business days after as information that resulted from alleged identity theft not later than 4 business days after the date of receipt by such agency of a copy of an identity theft report.

3. Notice, it is a fact, as of this date and time on XX/XX/2021 at XXXX mountain time, Equifax has not complied with the block. 4. Notice, it is a fact, at this point in time, Equifax has been in possession of the Consumer demand to block information resulting from identity theft for 16 calendar days.

5. Notice, it is a fact, Equifax is in violation of 15 U.S. Code 1681c-2.

6. Notice, it is a fact, 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) states : Any person who willfully fails to comply with any requirement under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

7. Notice, it is a fact, Equifax has not responded to my Declaration of Truth, dated XX/XX/2021. 
8. Notice, it is a fact, Equifax has not complied with demands in my Notice of Cease and Desist regarding violations of the congressional declaration of permissible purpose dated XX/XX/2021. 
9. Notice, it is a fact, Equifax is violating conditions of my cease and desist by reporting information to be excluded pursuant to 15 U.S. Code 1681a ( d ) ( 2 ).

10. Notice, it is a fact, Equifax is willfully noncompliant with federal regulations regarding a valid identity theft report as defined in 15 U.S. Code 1681a ( q ) ( 4 ).
Consumer complaint received 2021-10-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I recently have been getting alot of calls from debt collectors. So, I went online to check my credit. I have several accounts that I did not authorize or approve of. There was also a different social security number, names, addresses, phone numbers, and employment information that I have no knowledge of. Some of my personal information was stolen years ago. I didn't think anything of it till recently. I filed a police report and I've been disputing with all three bureaus. They have yet to do anything about the fraudulent information. I will attach the police report, identity report, and proof of identity. Im listing the account that has not been resolved. 

XXXX XXXX XXXX XXXX account number : XXXX {$2000.00}
Consumer complaint received 2021-10-25
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

**Hello, My name is XXXX XXXX . I repeating my complaint for some inaccurate items that still exist in my credit report. Please investigate these accounts as they are incorrect and not belong to me. 
**Credit cards** _XXXX XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX This charge off account is not mine, please provide me full documentation or delete it!!! 
_XXXX XXXX XXXX Reported : XXXXXXXX XXXX, XXXX This charge off account is not mine, I never receipt any loans or credit from this company. Delete it!! 
_ XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX Provide me full documentation or delete it!! 
_ XXXX XXXX XXXX : XXXX. XXXX, XXXX This account reported that I was late on XX/XX/XXXX, XX/XX/XXXX. However, I never late on this account. Please provide me proofs of payment or remove it. 
_ XXXX/XXXX XXXX XXXX : XXXX XXXX, XXXX This account is not mine. Delete it immediately!!! 
_XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Provide me documentation or delete.
Consumer complaint received 2022-05-04
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2021-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

There was a fraudulent checking opened with the bank that was subsequently mishandled, overdrawn, and closed as a result of ID Theft. I have contacted the bank on multiple occasions to let them know that this account was opened fraudulently and they refuse to do anything to help me. The last written affidavit I sent in I attached a copy of my social security card as proof of ID, and they updated the social on the checking account to reflect what was on my card, as the account was opened with a variation of my social security number. These accounts are now reporting to major reporting bureaus and have caused my accounts elsewhere to be closed.
Consumer complaint received 2021-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (OH)

- No answer from customer / refusal to help with questions - Late Fees tagged and back dated from statements for unknown reasons - Capitalized loan at 6 % - Had recurring payments set up to receive no late fees / discount on APR - False information given regarding credit reporting - Accounting/Finance system generates errors - Does not follow legal repayment plan ( Was told incorrect amounts ) - Can not prove why my payments and interest are what they are - Management refuses to help - Mismanagement
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MI)

My flight was cancelled and XXXX XXXX is lying stating that my flight was active. I called XXXX XXXX and they told me it was cancelled. 

I have proof that it was cancelled and the flight was not valid. 

Chase is not doing enough research. They did not provide me any proof that my flight was valid. 


I have proof that XXXX XXXX is lying. They are not answering any calls or any emails. I would like a full refund because I was not provided anything.
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Hello, happy Saturday to those reading and ( hopefully having a better day than I am. I am writing because, since XXXX, it has been nearly impossible to make purchases with my chase card due to it being randomly declined all the time. For instance, right now, my pending charges, credit limit, etc. do not add up or make sense ( see screenshot ). Furthermore, the main reason I am writing in, which is directly related to this messed up information, is that I can not even use the credit limit that chase says I have. I am supposed to have {$800.00} in credit, yet I was unable to make a {$780.00} purchase. Why am I unable to use my credit line? And why has my card not been credited for the {$2000.00} or {$2200.00} payments that I asked you to credit earlier this week? ( When the same exact thing was happening and preventing me from using my credit ). I should see these amounts credited back to my checking account with you all ( the one I just opened under my name ). My ( checking ) balance is currently {$1000.00}, and I need to see it at {$5300.00} ( and my credit card balance, the amazon prime rewards XXXX card, reset back to XXXX, with no additional charges to my account ). Additionally, I was trying to make a transfer the other day with XXXX from my chase account, and it took like three attempts and over an hour. Your app glitches every time I use it, at least once, and it has been affecting my ability to spend and live ( and ruined my life ). You need to pay me/do the things I am asking you all to do in this complaint, or I will simply add these things to the damages ( plus emotional distress, loss of time, loss of consortium, loss of reputation with the businesses from whom I purchase ... ). I respect you all enough to make you own decision ; however, I encourage you to cash out my investment ( and pay me ) now, as I am going to earn much interest at your expense should you fail to comply with my request. Its up to you. Choose wisely, and be prepared to deal with the consequences. Its time to take some accountability.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX   XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2021-10-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

On two separate occasions i have repeatedly asked the credit bureau to verify the accounts to be named and send me proof of validity. They have not and only sent back as it is mine. These accounts do no belong to me and belongs to someone with my same name. The accounts are : XXXX XXXX XXXX # XXXX and XXXX # XXXX. 
The above mentioned accounts were removed and then placed back on my account. PLEASE HELP!
Consumer complaint received 2020-07-18
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: LEXISNEXIS (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX   XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc (CA)

PayPal sent the following email : XX/XX/2023 " PayPal You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We XXXX Take. You must remove all references to PayPal from your website ( XXXX ) and/or auction ( XXXX ), including removing PayPal as XXXX payment option, the PayPal logo XXXX and the PayPal shopping cart. 

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds XXXX be used to satisfy any obligations you XXXX have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. 

If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 

Customers who are permanently limited for violating the XXXX XXXX XXXX are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 

You can find the complete the PayPal XXXX XXXX XXXX by clicking XXXX at the bottom of any PayPal page. 

We regret any inconvenience this XXXX cause. '' I thought this this was a Phishing Scam and changed my login with PayPal XXXX I was hacked. 

Going to the official PayPal website I found I was " permanently limited '' for violating a PayPal terms of agreement. I called PayPal on XX/XX/2023 and asked for more information about the specific violation. Customer service was not able to locate any specific reason and did not see any obvious reason for the " permanently limited '' account. 

I would like assistance in finding out what rule was broken. I only use PayPal for managing my recurring payments for subscriptions ( all automated ). There is no other financial transactions that would be suspicious for potential fraud or illegal activity. I can't for the life of me see what rule was violated. And I expect better documentation that what PayPal is providing.
Consumer complaint received 2020-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

We are attempting to refinance our mortgage. Our new mortgage lender has tried 3x sending an authorized letter requesting the mortgage payoff amount one a week since XXXX. To date Shellpoint mortgage and the underwriter of our mortgage has yet to respond to the payoff letter locking us into higher monthly payments for the last 2 months totaling over {$1500.00}. We are being held hostage to  this company and it is unacceptable.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have a collection account open from XXXX XXXX XXXX. ORIGINAL CREDITORXXXXXXXX XXXX XXXX XXXX. ( opened : XXXX. XXXX, 2022 ), open balance {$100.00}. Previously, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (NC)

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. 

The reporting of " bankruptcy '' ( # XXXX ), by all three credit reporting agencies has violated my rights and caused me harm, damage and distress. 

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 an 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. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-26
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)

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. 
XXXX  Account # XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : 1. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

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 an 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 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

I would like to report XXXX XXXX XXXX of XXXX XXXX florida XXXX, address XXXX XXXX XXXX. He manipulates XXXX XXXX XXXX for his credit cards his ex stepson by marriage, he breaks into home, very abusively physical and mentally. He staulks and follows people around to blackmail them until he gets his what he wants, he commits credit card fraud frequently, please exercise your right to serve justice to society. XXXX XXXX XXXX is extremly dangerous and manipulative. He is narcissitic and brainwashing is his gift of gab. He is equivilant to XXXX XXXX and XXXX XXXX. He covers his tracks very well.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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