davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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. (UT)

DO NOT CLOSE THIS COMPLAINT!!! this is not a complaint from a third party company. This is a complaint made by me XXXX XXXX. 
So I am the victim of identity theft. I would like this to be taken care of I have filed a police report which is included and i would like the accounts removed from my credit.
Consumer complaint received 2023-11-03
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I called the company that was on my credit report, and was not able to see what account it was with, then they told me it was XXXX, I let them know it it not my account, and the Superior said she was going to take care of it because the information she had me verify was my personal information was incorrect. So she said she was going to take care of it In accordance with The Fair Credit Reporting Act CITICARDS CBNA has violated nay rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-09-08
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. (CA)

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 2024-09-26
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc. (FL)

On XX/XX/XXXX I place a money transfer to XXXX from the US and it now XX/XX/XXXX three weeks past I have not received it. Remitly claim the XXXX government is asking for documents I supply all the documents XXXX different times. Sometimes the same documents was ask over XXXX times. I sent all the documents. I still haven't got my money in XXXX. I asked for proof of the requested documentations, and why my money is not being delivered and I had no reply about it all these days. My money is on hold somewhere disrupting my business.
Consumer complaint received 2022-11-10
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: Experian Information Solutions 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 : XXXX 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 ) Experian and XXXX 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 Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}, and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

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 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Companies are providing secondary information on my behalf without my permission. 

I want to opt out because I never opted in Ive Never given them permission to report on my behalf P.S. most of my information given from the third and second parties are Unverifiable. 

on top of that the amount of Inaccuracies in my report is outrageous and needs to be address immediately.
Consumer complaint received 2022-11-10
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)

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 any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 .... Balance : - ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : {$9000.00} ; XXXX  XXXX .... Balance : XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$520.00} ; XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXXXXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$980.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$180.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 .... Balance : - ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : {$9000.00} ; XXXX XXXX .... Balance : XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$520.00} ; XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXXXXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$980.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$180.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

PayPal email me this ( You can no longer do business with PayPal ( Ref ID - XXXX ) I'm Calling PayPal today to restore my account and I'm begging for a chance and for an opportunity to restore my account but they said that the issue is final, I want my account to be restored in order for my business will continue. I don't make any problems with them I'm not violating their rules and I don't have any disputes in my account., I was shocked that they email me that my account was permanently limited. that is not fair to me, I'm only doing good business with them.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (MI)

XXXX XXXX received complaint XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information regarding this account shall be deleted from all consumer reporting agencies including XXXX, XXXX AND EXPERIAN immediately.
Consumer complaint received 2023-04-02
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. (MD)

Experian refuses to respond to my dispute to remove this old outdated account from XX/XX/2014 almost 9 years old. This is really hurting my credit score.
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Simple : Although BoA N.A. reports it needs more time to respond to previous ongoing complaints [ filed multiple times with this CFPB for ongoing billing & payment issuesproblems ] and issues it has stopped, entirely, sending out payment demands. Including those, but not limited to, coupons for the previously uploaded {$0.00} monthly 's. So, I not only do NOT have any accounting for that {$500.00} in principal sent separately last month ; it is again wholly unreported and unaccounted for, on that nonexistent XXXX Credit Report ( must be my imagination going wild again NOT ), as is those payments sent and cashed for XXXX and XXXX of XXXX [ payments made two ( 2 ) months in advance of their respective due dates ]. Which makes it painfully obvious that BoA is not only is less then honorable but completely corrupt and criminal { XXXX }. So, I too have adjusted strategy and have made deals with my banks for images of all monthly checks now be sent automatically to me. Also, each and every payment going forward is now going to be delivered by Certified U. S. Mail. With that self-produced payment coupon, on which the payment is intended for and sent to cover, as well as all papers ( ie : the payment check and enclosed self-produced payment coupon ) enclosed in that Certified U. S. Mailing will have that assigned exterior number inscribed on each item enclosed therewith. If BoA NA should reject one such payment andor the immediate application thereof the remedy ( s ) included in the Uniform Commercial Code shall be swift in coming. I attempted to allow CFPB to do it's job in a relaxed manner however the actual theft of my money makes that no longer an option. They've obviously realized I can not upload what they do not supply therefore this submission lacks the evidence ( s ) they previously supplied against themselves, who ever said criminals are stupid?
Consumer complaint received 2023-06-06
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 ()

I created my PayPal account two weeks ago hoping that I can use it as payment method for my clients whom I give my service as their child 's tutor or as a writer for their formal requirements in school such as essays and editorials. I usually pay by them once I'm done doing my task and approved by them. 

I received my payment once a week it's not big it was only range from XXXX $ - XXXX $ so I'm confused why PayPal accused me of sending " illegal files '' which I'm not doing it. I only do formal essay, editorial and tutoring. 

And now my newly created account was permanently limited because of accusations that I didn't even do once. I can't even send or widthraw my hard earn money from Paypal. 

That little money I earn from writings and tutoring helps me a lot in my daily bills and it's my only source of income as of now. Right now I didn't know what to do cus it affects me a lot, PayPal accusations without any proof makes my source of income end.
Consumer complaint received 2021-03-17
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (HI)

My mortgage was recently sold and now the new mortgage company is requiring me to obtain additional homeowner insurance or they would provide it a substantial price. I have had the same insurance coverage since the day I took out me mortgage in 2007. According the my mortgage contract I had to obtain insurance that was approved by my mortgage company. I complied with that obligation. The coverage was approved by my initial mortgage company. My understanding is that if a mortgage is assumed by another company all terms and condition are to be continued with no changes.
Consumer complaint received 2023-01-25
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. (MI)

XXXX XXXX received complaint XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information regarding this account shall be deleted from all consumer reporting agencies including EQUIFAX, XXXX AND XXXX immediately.
Consumer complaint received 2022-11-10
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MD)

Lender/Servicer proceeded with foreclosure sale the day after denial and did not give borrower opportunity to appeal the decision.     An appeal was sent to the lender as well regarding violations of RESPA Regulation X  12 C.F.R. 1024.41 ( g )  ( h ).