davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

I was in XXXX  training from XX/XX/XXXX to XX/XX/XXXX and I had no phone and was cut off from society and had no way of knowing or staying on top of these remarks or payments and am protected under SCRA law.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I have a checking account with the Citi Bank for many years and it was my main checking account. 
it means all my pay checks and income has been direct deposited in this account for many years and all my mortgage and credit also set up to pay from same checking account. 
for some unknown reason they decide to close my account and even after I asked them for explanation regarding their decision, but they refused to provide any information. 
I understand that they have right to refuse service to anybody, but my problem is the my money that has been blocked on that account and they are not releasing my funds and i don't have any access to my fund and it cause me too much problem with paying my house mortgage and car payments and even paying my utility bills and all other day to day payments such as credit cards and so. 
the total available balance in my checking account at the moment is {$18000.00}, but as i said they are not releasing my fund and it cause me big problem and it will damage and has unrepairable effect on my credit score and everything else. 
I already tried to talk with them several times and, they only said " this account is closed and you will receive your fund within 60 days '' when i explained my problem for them and asked them to expedite the process for releasing the money the hang up the phone. 
here is the account information : Bank name : Citi Bank Routing NumberXXXX Account Number : XXXX I already told them that they are responsible for any damage and problem that could happen for me regarding my financial status. 

I need you to help me with this big concern before it is getting to late. 
thank you for your understanding and help in advanced. 

XXXX XXXX XX/XX/2022
Consumer complaint received 2022-11-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (OK)

Pursuant to Title 15USC 1692 ( c ) ( c ) 2, I am the invoking specified remedy as the original creditor and demand per Title 15 USC 1692C ( C ) that Rent Recovery Solutions cease ALL forms of illegal communication through ALL and ANY MEDIUM except for communication of remedies for XXXX, the consumer and natural person, via MAIL.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (NC)

XXXX XXXX XXXX- XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX CORELOGIC CREDCO XXXX inquiry date XX/XX/XXXX CORELOGIC CREDCO XXXX inquiry date XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date. XX/XX/XXXX XXXX - XXXX date XX/XX/XXXX XXXX XXXX date. XX/XX/XXXX XXXX I have reached out to the company they said that I have given authorization to pull my credit i did not. I am not aware of the inquires that are listed above. Therefore I have disputed several times with the credit bureaus and they refused to remove the unauthorized inquiries listed on the report. 


I have disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-07-13
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. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (WA)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-07-13
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! 

- An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. 
- An account that I had removed XXXX BANK XXXX was back in my report! 
- XXXX of XXXX inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! 

This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. 

I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. 

I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! 

I demand an explanation of the miss handling of my report immediately and my account to be corrected. 

I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX XXXXXXXX I demand the account XXXX XXXX to be corrected as OWNER and NOT Authorized user. 

I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.
Consumer complaint received 2022-07-13
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (FL)

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 to file a report. I do so. Per FCRA section 605b Credit Reporting Agencies are required to block any items 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. 

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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00}
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. ()

A peer to peer crypto exchange platform called PAXFUL or PAXFUL.COM put my account on hold without providing any reason. They also restricted my account and all my money for 3 months which is totally unacceptable. This Paxful company is a scammer company I didn't know about it I am sorry but sooner or later they ban you or hold your money sometimes for years. I am sure there was a lot of complaints against this company and I am one of the victim who lost his money on this PAXFUL.COM Scam and also rest of my money was hold in their hands and they do whatever they want with it. How can this Paxful Scammer be so comfortable to do all this bad things and still getting away with it. PAXFUL Should be banned, PAXFUL IS A FRAUD SUPPORTER AND SCAM PROTECTER. PAXFUL will steal people 's hardly earned money with providing safe looking platform but everything is a lie PAXFUL.COM is a SCAM
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

In XXXX, a check was written out to XXXX XXXX for my credit card payment. I was soon notified that payment was not received and discovered that someone had stolen my check and forged the amount of {$80.00} to {$850.00} and deposited into a personal account. As soon as I learned this had occurred, I immediately went to the branch to file a Declaration of Unauthorized Endorsement or Altered Item in XXXX. It is now XXXX and the bank has not reimbursed my account of {$850.00} that they allowed to be deposited into someone else 's account. I am a senior citizen on a fixed income and {$850.00} is a significant amount of money they pulled from my account. The check was CLEARLY fraudulent/forged and yet, XXXX is doing NOTHING to recoup my losses. I have followed up with their Fraud Team over a dozen times, in addition to calling and speaking to the branch XXXX on several occasions. All they can tell me is that it's still ongoing ... AFTER 9 MONTHS?! CHASE continues to tell me their hands are tied and they are at the mercy of the other bank to return the funds. RIDICULOUS! XXXX customer protection!
Consumer complaint received 2022-07-13
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/XXXX I asked Quicken Loans my lender to remove our PMI. We have more than 50 % equity. 
This is the letter I wrote and below my letter was their response. 


XX/XX/XXXX Qualified Written Request XXXX  ATTN : QUICKEN LOANS RE : REQUEST TO REMOVE PMI XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Ca XXXX WE ARE REQUESTING CANCELLATION OF PMI BASED ON THE HOMEOWNERS PROTECTION ACT AMENDED POLICY OF XX/XX/XXXX. 

The Dodd Frank Act granted Authority to remove the PMI Based on our equity. 
Consumer Financial Protection Bureau To Enforce Compliance XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX Please see : XXXX : XXXX Please respond to XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Please send response in the mail hard copy. Plus Please email to me at XXXX XXXX*Response from Quicken Loans Below************************** Good Afternoon XXXX And XXXX Thanks for the below email concerning the removal of mortgage insurance. Your loan is not eligible for the early cancellation of mortgage insurance. You have a FHA loan and mortgage insurance will be auto cancelled after it is paid to HUD for 11 years. 

If you have any further questions though, please dont hesitate to reply to this email or call our team at XXXX. 

Thank you for being a Quicken Loans client, and have a marvelous day! 

XXXX XXXX Quicken Loans Client Relations Monday -Friday XXXX - XXXX EST Saturday XXXX - XXXX EST XX/XX/XXXX Qualified Written Request XXXX ATTN : QUICKEN LOANS RE : REQUEST TO REMOVE PMI XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX WE ARE REQUESTING CANCELLATION OF PMI BASED ON THE HOMEOWNERS PROTECTION ACT AMENDED POLICY OF XX/XX/XXXX. 

The Dodd Frank Act granted Authority to remove the PMI Based on our equity. 
Consumer Financial Protection Bureau To Enforce Compliance XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX Please see : XXXX : XXXX Please respond to XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Please send response in the mail hard copy. Plus Please email to me at XXXX XXXX
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Yesterday which was XX/XX/XXXX of XXXX I got a notification from PayPal, they said they've temporarily limited my account and I need to provide some documents for them to review, I submitted all the documents they asked for, they did the review and didn't even reply to my mail, it was in the early morning which is XXXX of XX/XX/2022 that I logged in to my account to see if limits have been removed, that was when I saw that they've permanently limited my account, saying they'll hold my money for 180 days. Honestly I feel terrified because I don't know what I did that could result to my account limitation and request for explanation.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-13
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifax was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$3000.00} US DEPT ED XXXX Balance : {$39000.00}
Consumer complaint received 2022-05-05
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the Accounts, I believe it was reporting in error. 

XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Equifax : XXXX XXXX Balance XXXX {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-13
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifaxabout erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report inviolation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$190.00}