davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

On XXXX XXXX, 2016, I faxed a copy of the " Request for PMI Cancellation Review '' to OCWEN Mortgage. It has been more than 15 business days since I faxed the form and I have not received correspondence from OCWEN indicating confirmation or a determination. On XXXX XXXX, I spoke with OCWEN Representative, XXXX XXXX ( ID XXXX ). She mentioned that her system indicated correspondence was received from me on XXXX XXXX, 2016 and XXXX XXXX, 2016. She was unable to see the correspondence to confirm receipt of the PMI Cancellation form. On XXXX XXXX, I sent an email to XXXXXXXXXXXX asking for confirmation and to request that they proceed with the cancellation expeditiously. On XXXX XXXX, I sent another email to XXXXXXXXXXXX asking ( again ) for a confirmation and to cancel PMI. On XXXX XXXX, I spoke with OCWEN representative XXXX ( ID XXXX ). He was finally able to confirm that the " Request for PMI Cancellation Review '' was received on XXXX XXXX, 2016. He stated that representative XXXX was still working on it. I indicated to XXXX that the XXXX XXXX, 2016 date was incorrect. The fax should have been received on XXXX XXXX, 2016 and that the 15 business day window has passed. He has forwarded my complaint to the Research Department. He said that I should receive a letter of determination on the PMI cancellation within XXXX business days of XXXX XXXX, 2016. He stated that I should receive a letter from the Research Department within 10 days.
Consumer complaint received 2024-01-30
Product: Credit reporting 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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

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.

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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-12-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

In XXXX the man XXXX XXXX took a deposit from me on Cashapp. This was for an apartment. After a while they had sent me back a fraudulent check and the bank disposed of it. As of XX/XX/XXXX Ive attempted to work with Cashapp to get my money back and to help we with the scammer that still has an account on their app. They will not help in any regard. I want to file a police report as well to at least get this handled and Cashapp is seemingly protecting this individual.
Consumer complaint received 2017-03-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capical oNE has.my debit card and receives my social security d eposits. They are always putting restrictions on my account for no good reason. As of now I can not open profile that is my name and address and forms I wish to name my beneficary. 
I call them to lift the restrict ions I get passes to so many different agants. The latest excuse is that I left XXXX and went to XXXX and used a dI fferent wifI on my cell. Phone. They said my access to profile is blocked for several days until operations I XXXX reviews it. Do I have to get permission from Capital one to go somewhere. 
I get the impression that securit has. Nothing to do except block account features. 
They are persecuting account holders and interferING with banking. I assured them no one had access to my account nor my cell phone.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-05-04
Product: Credit reporting 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. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX  is reporting incorrect and inaccurate information to my XXXX credit reportsWhich is a violation of the FCRA.Im requesting them to furnish and provide me with proper documentation.Which will properly verify the legitimacy of the accountThey must I by federal law provide information.Which properly verify the account..I want a copy of the original credit agreement with Terms and ConditionsI also want a copy of all my statements for history of the account If you dont supply me with what Im asking for I will file a lawsuit in US District Court pay the {$500.00} filing fee.Then I will request legal discovery and ask the judge for the right to subpoena documentsThen you will be legally obligated to supply me with the documents. 

Im not playing Im giving you 30 days to get me what im asking for I will contacting the South Dakota Attorney General The Comptroller of the Currency and Maryland Attorney about this matterThis is a serious civil matter
Consumer complaint received 2024-05-04
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Nam
e : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX XXXX XXXXXX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-01-30
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. (PA)

So, here 's the rundown. You know that Fair Credit Reporting Act ( 15 USC 1681 section 602a )? Apparently, it tells consumer reporting agencies to play nice, be fair, and respect our privacy. Well, as the consumer, I threw my weight around, reminding them of my rights under 15 USC 6801 Congress insists financial institutions keep their hands off our private info. Now, there's this thing about entities feeding info to credit agencies, calling them " financial institutions. '' Supposedly, they're supposed to follow rules. According to 15 USC 1681 section 604a ( 2 ), if a consumer like me gives written instructions, they can dish out a consumer report. But, here 's the twist the financial institution and the big names, credit bureaus never bothered to get my written consent. So, consider any kind of consent, whether it was spoken, gestured, or whatever, totally cancelled by yours truly. Now, about these big shots not bothering to tell me about my right to shut them down thanks a lot, 15 USC 6802 ( b ) ( c ). All 3 bureaus thought it was cool to toss negative items on my credit report without my say-so, which, surprise, surprise, is against 15 USC 1681C ( a ) ( 5 ). Hold on, it gets better Section 1681s2 ( A ) ( 1 ) A of the U.S. Code screams, " Dont give false info to consumer reporting agencies. '' But Equifax and XXXX missed the memo and are breaking the rule. And then there's 15 U.S. Code 1681e, saying every consumer reporting agency should have their act together with " reasonable procedures. '' They're not really following these supposed " reasonable procedures. '' Last but not least, 12 CFR 1016.7 says I can slam the door shut on their reporting services whenever I want and guess what? I'm slamming it shut now. So, these guys better fix things fast, or they're in for a legal storm.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have multiple non mailable addresses on my credit report that each credit agency failed to remove once I identified the non mailable addresses to them. 

According to the Fair Credit Reporting Act ( FCRA ) credit agencies are to remove non-mailable addresses from a consumer 's credit report. The FCRA is a federal law in the United States that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Under the FCRA, I the consumer have the right to dispute incomplete or inaccurate information in my credit report. When a consumer disputes information, such as a non-mailable address, the credit reporting agency is required to investigate the dispute. If the credit reporting agency can not verify the accuracy of the information, it must delete it from the report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is a non mailable address. 
XXXX XXXX XXXX XXXX XXXX  XXXX is a non mailable address. 
XXXX XXXX XXXX XXXX XXXX  XXXX is a non mailable address.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I was reviewing my credit report and I realized that I have dames on my credit report. According to the 15 U.S.C 1681 law there should not be any damages on my report. This is a defamation to my character.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (VA)

Please see attached, my document of ongoing Dispute with XXXX XXXX XXXX XXXX XXXX XXXX Regarding Billing and Credit Reporting Errors In Case of XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
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. (TX)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX with XXXX, Account name : # XXXX with XXXX Account name : # XXXX with XXXX, Account name : # XXXX with XXXX  XXXX, Account name : # XXXX with XXXX XXXX XXXX XXXX, Account name : # XXXX with XXXX XXXX, Account name : # XXXX with XXXX, and Account name : # XXXX with XXXX. However, they stated everything was complete and accurate. BThis can not be possible when multiple pieces of information is incorrect, including the open date, date of last activity and status of account. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly, but have failed to do so. 

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 2024-01-30
Product: Credit reporting 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. (KS)

XXXX XXXX - {$13000.00} XXXX XXXX - {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX  {$13000.00} I never gave written consent to any of the following financial institutions to inquire about my credit history per 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report if I did not give this authorization that is a violation of the Fair Credit Reporting Act
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Mr. Cooper refuses to remove the PMI from my mortgage despite the fact that I have meet all of the criteria : -My balance is below 80 % of the original loan value. 
-I have never missed a payment nor been late on a payment. 
-I supplied a Broker Analysis proving that the value of my home had greatly appreciated from the original loan amount. 

I have been going back-and-forth with Mr. Cooper for almost 2 months and they are being obstructionist and refusing to remove the PMI despite meeting all of the criteria.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX 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 a account without my written instructions.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Equifax is being compensated for the alleged debt withXXXX XXXX  XXXX XXXX the invalidated account information is parked on the report XXXX. Equifax used automated programming to override my 76 dispute 76 times in XXXX years. Equifax has mixed up my name with someone else on their website. Equifax provided misleading information about me after every investigation, the XXXX XXXX exceeded 51 days and still does not comply with validation requirements according to 15 USC 1692g. I have requested Arbitration fees to be paid by Equifax. The continued oppressive reporting of a charged off debt with a balance on as open account caused four credit denial for employment and housing purposes. However, Equifax has not excepted responsibility or provided a duty of care to delete the misleading account information as there is no proof of the data or account or the information reported for the account belongs to me or is accurate. According to Equifax they do not having any documentation or evidence they or human affirmation to validate their information.The alleged debt has not been validated as required by FTC.gov or FCRA. Equifax consumer reporting data Exceeds the statute of limitations in the state of Georgia. The alleged debt balance reporting as accurate by Equifax was deleted by the company that furnished the account.Equifax is reporting a charge off as income of {$510.00} and that violates FCRA.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting 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. (FL)

I received a notice letter from XXXX XXXX XXXX XXXX informing me that their company had a data breach and all my personal information was used with them on XXXX XXXX and also the dark web. Also, based on their investigation to date, the data appears to be from XX/XX/2019 and earlier. The company offered me a complimentary credit monitoring, identity theft detection resolution. I tried disputing all of the wrong information with all XXXX of the credit bureau it wasn't removed.