davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

In XXXX, I Refinanced My 1st Mortgage with a Different Bank! This is One of My Local Banks I Use for My Daily Personal Banking Services! This Bank is The Huntington Bank, XXXX, Ohio. I Asked for the Best 15yr Fixed Rate Mortgage & Best Rate Available!?? My 1st Mortgage at that Time was with XXXX XXXX XXXX and it was a FHA MORTGAGE. 
I Had & Have Excellent Credit. I Was Never Late on My Mrtg Payments & Never Missed a Payment!! I Was Told By Local Bank Loan Manager, a HARP MORTGAGE Could Only be Approved By The Main -Huntington Bank & by their # 1 Mortgage Loan Manager in XXXX , Ohio Huntington Headquarters & This Process Would Take a Few Months! Refinance With the XXXX Banch Would be a Much Quicker Process & They Could Offer a Comparable Fixed Rate!! They Sold Me a Conventional Mortgage, not a FHA Backed Mortgage & Not a Harp Mortgage. At This Time I Did Not Realize This 1st Mortgage Loan was Not an FHA Backed Mortgage!?! 
They Charged Me 2 - 3 Points to Get the Fixed Rate Down to 5.75 %. I Was Charged an Appraisal Fee, Points Fees & Closing Costs = all Totaling Appr {$3000.00}. With My Current 1st Mortgage FHA MRTG LOAN With XXXX XXXX XXXX, I QUALIFIED FOR THE HARP MORTGAGE, But was not even Offered the Harp!! I Believe They Did Not Want to Provide or Offer me a HARP MORTGAGE was Because They Would Not Make as Much MONEY / PROFIT AS THE WOULD WITH A CONVENTIONAL LOAN!! I THEN DISCOVERED, I NOW AM NOT ELIGIBLE FOR A HARP MORTGAGE From Any Banking Facility Because I No Longer Have a FHA BACKED MORTGAGE!! I HAVE CONTACTED NUMEROUS BANKS & MORTGAGE COMPANYS & ALL SAY THEY CAN GET ME A RATE, AS LOW AS A HARP MRTG!! BUT IN DOING THIS THEY ARE CHARGING ME 2-3-4 POINTS TO GET ME A FIXED RATE CLOSE TO THE HARP RATE, BUT STILL NOT AS LOW &  AGAIN I WOULD BE CHARGED FOR AN APPRAISAL & POINTS FEES & CLOSING COSTS!! I WAS REFINANCING TO GET CASH OUT TO PAY OFF CREDIT CARD DEBT & GET A LOWER MORTGAGE RATE, RESULTING IN A LOWER MONTHLY MORTGAGE PAYMENT!! I BELIEVE, THE REASON THEY WOULD NOT PROVIDE OR OFFER THE HARP MORTGAGE WAS SIMPLY, THEY MADE A " LOT '' MORE MONEY OFF ME THAN THEY WOULD MAKE PROVIDING ME A HARP MORTGAGE!! I ALSO FEEL & BELIEVE I AM BEING DISCRIMINATED AGAINST BY NOT BEING ELIGIBLE FOR A HARP MORTGAGE, BECAUSE I DO N'T HAVE A FHA MORTGAGE!! OVER MY LIFETIME, I HAVE HAD 4-5 MORTGAGES & ALL WERE FHA MORTGAGES!! I ALSO BELIEVED WITH THIS LAST MORTGAGE WITH HUNTINGTON BANK, IT WOULD ALSO BE A " FHA '' MORTGAGE! I Guess I Was Ignorant to the MORTGAGE BUSINESS & NOW I CAN NOT GET A HARP MORTGAGE TO PAY OFF OTHER DEBTS. WE ARE RETIRED & ON A FIXED LIMITED INCOME!! WE ARE BOTH " XXXX XXXX '' and NEITHER CAN WORK! - UNEMPLOYED! I DO N'T BEILIEVE THIS WAS OR IS FAIR, IT FEELS LIKE DISCRIMINATION TO ME!! I AM TALKING WITH MY ATTORNEY BEFORE TAKING ANY OTHER ACTION!?! CAN YOU PLEASE HELP ME GET A HARP MORTGAGE?? 
Thank You, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

had account with   XXXX   XXXX   in   XXXX   XXXX   florida arou nd 2013. close d the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my   XXXX   and credit report just with the last two months. I do not have my old account number. want it removed immediately
Consumer complaint received 2024-04-17
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

REQUEST WAS MAILED IN TO THE COMPANIES.. BACK IN YEAR XXXX WHEN I FIRST LEARNED BEEN TRYING EVER SINCE. THE ONLY INQUIRIES ON MY REPORT SHOULD BE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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: R & B Corporation of Virginia (VA)

I have a right to privacy. I do not give Credit Control Corporation to report anything about me. I never opted in to them sharing my personal information. I chose to opt out of having my personal information shared with anyone
Consumer complaint received 2023-06-23
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX  XXXX Delete account for failure to perform an investigation per fcra regulation XXXX  XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file.

also in accordance with the fair credit reporting act convergent the accounts listed above have 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. 



Thank You, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

I hope this message finds you well. I am writing to seek urgent assistance regarding my PayPal account, which has been permanently limited. As a result, I am unable to withdraw funds from my account or receive any transactions. 

I have exhausted all available channels to resolve this issue with PayPal directly, but to no avail. Therefore, I am reaching out to your esteemed organization for guidance and assistance in restoring my PayPal account to its normal functioning. 

Any support or advice you can provide would be greatly appreciated. Please let me know if there are any additional steps I should take or if there is any further information you require from me. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX/XXXX/XXXX ,  XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX/XXXX/XXXX
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2021 Balance {$18000.00}. m 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 2023-04-13
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. (FL)

My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. I've tried to fix the problem with the credit reporting agencies by letting them know the information that was inaccurate in my credit report. THEY HAVE BEEN NO HELP. I WANT THIS PROBLEM FIXED. I WANT THE INACCURATE INFORMATION REMOVED FROM MY REPORT.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (TX)

I asked for verification from the 3 credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. 

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

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

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

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

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

Account name : XXXX Account number : XXXX Company : XXXX XXXX & XXXX 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 rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-03
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: CITIBANK, N.A. (MD)

On or around XX/XX/XXXX2023, I attempted to make a purchase with my existing Citibank credit card and my purchase was declined. Per Citibank my {$21000.00} line of credit was reduced to XXXX, with a existing balance of {$9700.00}, leaving a line of credit of {$270.00}. I had this Citibank account since XXXX, never missed a payment, credit score close to 700, credit card balances under 50 %. Per Citibank we reduced your available line of unused credit to prevent fraudulent purchases over the holiday period. I would like to file a formal complaint against Citibank for this discriminatory practice of targeting minority accounts and lowering existing lines of credits without notification or disclosure based on perceived notion someone would attempt to utilize unused lines of credit during the holiday therefore, Citibank must block the consumer from making any purchases during the holiday period by reducing the lines of credit to nothing. I am asking for investigation into this practice that targeted minorities and block purchasing power during the holiday without any legal justification or based on actual credit sconce. I also would like to file a formal complaint as act of retaliation I believe Citibank intentionally lowered my line of credit by {$10000.00}, as act of retaliation for the many complaints I filed with CFPB against Citibank and asking that CFPB conduct an investigation into how many consumers more specifically minorities were affected by Citibank deceptive business practice of lowering consumer credit scores to prevent fraudulent activities and disclose what federal and state laws gave Citibank the right to conduct business in this manner. I also requesting CFPB to enact of enforce laws that prevents this type of abusive practice targeting minorities consumer and fine Citibank and provide financial relief to all partied affected by Citibank deceptive lending practices.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. 

I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this XXXX  question. How did you investigate these accounts? 
Because according to the fair credit reporting act XXXX XXXX XXXX XXXX this is how you are supposed to investigate my consumer report Did you interview my neighbors? Did you interview my friends? How did you talk to? 
I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one  question. How did you investigate these accounts? 
Because according to the fair credit reporting act XXXX XXXX XXXX XXXX this is how you are supposed to investigate my consumer report One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same Information. 
One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (NV)

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus, inconsistent. Please remove for innaccuracy, remove all accounts that do not have my correct name. 


My name is XXXX XXXX XXXX ( XXXX IS MY MAIDEN NAME ) My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MY LICENSE DOES NOT MATCH BECAUSE I HAVE NOT BEEN ABLE TO GET AN APPOINTMENT WITH THE DMV BUT THIS IS MY CURRENT AND ONLY ADDRESS My phone numbers XXXX
Consumer complaint received 2023-08-10
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. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1100.00} XXXX / XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

VENMO incorrectly is blocking my account over {$50.00} from a transaction from XX/XX/19. 

Venmo incorrectly pulled out the money twice and notified my bank XXXX of the duplicate. 

Now Venmo wants {$50.00} to reopen the account when the mistake was on them. 

I just need them to give me access back to Venmo
Consumer complaint received 2023-08-10
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX, XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (OH)

This company is committing security fraud no 1099 ( a ) has been file in my name from the company and Im in touch with the irs about it now the company reporting to my credit report in violation of my privacy rights and making money off of my security without giving me my share per the company XXXX form
Consumer complaint received 2023-06-23
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. (NY)

I have carefully reviewed my credit report in EQUIFAX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX