davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX Original creditor name XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Consumer complaint received 2022-11-20
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: Home Loan Center, Inc. (MD)

there was a credit inquiry alert on XXXX XXXX from XXXX Lending Tree that i didnt recognize. I didnt know this company and this was not authorize i wonder how they get my information. I tried to search for the number on XXXX Lending Tree but i couldnt find any information.
Consumer complaint received 2022-11-20
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S. C. 1681 602 A. States I have the right to privacy. 










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 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 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U. S. C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions or crimes with antendates the report by more than seven years.

15 U.S.C. 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-17
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: Experian Information Solutions Inc. (TX)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$950.00}
Consumer complaint received 2022-11-20
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)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : Its 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 then 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 2017-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CMRE Financial Services, Inc. (TX)

I am a victim of identity theft and noticed a collection from CMRE. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2022-11-20
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)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : Fed Loan Servicing Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX5 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : Its 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 then 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 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Data Mortgage Inc. (IL)

Data Mortgage Inc XXXX XXXX  continues to report my loan account as delinquent. As a result, my credit score continues to decline. There was an internal autopay issue on the account in XXXX that we were not informed about via mail. Once we seen the delinquency on my account, we immediately paid and called XXXX to confirm in on XX/XX/2022. We even paid the amount up until XXXX. Here are the two confirmation numbers XXXX ( to confirm the status ) and XXXX ( to correct the failed autopay ). Each day after, XXXX continued to report the account as delinquent and my credit score dropped over XXXX points from this discrepancy.
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

In XX/XX/2018, I contacted Citi to request a " product change '' from their Citi Thank You Preferred card to their Citi Double Cash card. After the call center representative completed the product change request, she notified me that I had 60 days in which to redeem XXXX Citi Thank You points, otherwise they would expire. I then proceeded to the website for the Citi Thank You points program : www.thankyou.com in order to redeem said points. Immediately upon login, I noticed a bright, attention-grabbing banner across the page that communicated a message to the effect of, " Notice : You have XXXX Thank You points expiring in 60 days. '' This written message gave me the confidence that the call center representative correctly stated that the amount of points expiring in 60 days was XXXX. Because Citi requires points to be transferred in 1,000 point increments, I then proceeded to transfer XXXX points out of the program in order to prevent their expiration. However, 60 days later, I noticed that my total Thank You points balanced had dropped by more than 120,000 ( beyond the XXXX I transferred out ) without any notification whatsoever. The only reason I immediately discovered it is because I was alerted to it by a third party point monitoring service I use ( XXXX ). I have since opened three separate and distinct research cases with Citi to restore the points they have removed due to Bank Error, however, each and every time they close the case stating that expired points can not be restored.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

In XXXX I requested my XXXX free reports, and was told my info did n't match, so I would have to request them by filling out a form. I did this, and XXXX of the bureaus sent my free report, but Experian responded that they could not identify me, and that I should send them a copy of my state ID card and my Social Security card, which I did in XXXX 2016, but I never received my report from Experian, nor any response at all after I sent them the requested documents. I tried calling their customer service number, but wading through their phone tree does n't get me to speak to a live person, so I have no idea what to do. I really need the report, because I believe it is incorrectly showing a student loan as unpaid.
Consumer complaint received 2016-09-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Royal Pacific Funding Corporation (CA)

I and my co-borrower have recently canceled our purchase of the property at XXXX XXXX XXXX CA, due to bad communication practices and a botched loan process from our loan officer XXXX. Now we also are dealing with the bully tactics from the seller Realtor/broker XXXX who is trying to take our {$10000.00} Escrow monies that are protected by a Contingency. These XXXX characters need to be investigated and reprimanded. Also, the seller Realtor/broker XXXX had his license suspended last year XX/XX/2015!
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I am writing to complain about a deceptive and coercive practice that Wells Fargo employs to force customers to sign up for digital/online statements. Wells will offer customers with holdings about a threshold amount to receive paper statements and for them to view checking transactions. When the customer makes an online request to see transactions greater than ~60days in the past, however, the Wells app displays a page stating that the customer must elect to either receive all electronic statements OR to confirm that they continue to receive both paper and electronic access. The page warns the customer that they can not reverse this choice. What a customer who wishes to continue paper statement experiences on that page, however, is that he/she can not select to continue as is. The webpage buttons indicating a 'continue ' choice are inoperative. When contacted, Wells admits that that is the case and confirms that they will not allow a customer to view older transactions if they receive paper statements. The webpage trickery is a deceptive and coercive ploy that forces customers to choose electronic statements saving Wells considerable costs. When I first filed a complaint with Wells months ago I heard nothing. I've filed a second complaint and received only a " promise to respond ''. The Wells webpage continues to operate as before.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc (PA)

BlockFi holds customer cryptocurrency deposits in their BlockFi wallet. They advertise that these deposits remain the property of the client, and are not rehypothecated or used by BlockFi.

It appears that BlockFi will file for bankruptcy and they have paused the ability to withdraw funds from these wallets. However, these wallets should not be involved in a bankruptcy as they are not the property of BlockFi.
Consumer complaint received 2020-01-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

Have contacted this company XXXX separate times now to get my mortgage a reamortization and have been fed XXXX different tales concerning how much principle has to be paid, one woman even stating the had no idea what a reamortization was! We were always told 10 % of the mortgage had to be paid at the time of reamortizatoon. Now we've been told its {$10000.00} regardless of current principle amount. This company never allows for emails because they dont want a paper trail. On top of the lying being done concerning reamortization, we have also been lied to about removing the mortgage insurance. We have reached out to this outfit several times to have this useless insurance removed and have been met with silence. 
This company is a glaring example of what caused the housing collapse in XXXX and should be fully investigated.
Consumer complaint received 2022-11-20
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: CITIBANK, N.A. (TX)

CBNA is reporting 60 day late payments on XXXX and XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

During this time period I was dealing with medical issues as well as contracting XXXX in XX/XX/XXXX, which was the cause of my late payments. 

I ask that these late payments be removed from my credit report. 

CBNA did an investigation and agreed that the late payments were accurate. I'm not disputing the accuracy of the late payments. I'm asking for them to be removed because they were caused due to illnesses out of my control, including XXXX.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BlockFi Inc (WA)

BlockFi has paused withdrawals and not honoring withdrawals done before the pause. 

On XXXX, I withdrew the amount of {$14000.00} in the digital currency XXXX on BlockFi they sent a ( clearly fake email ) saying it was canceled due to " not completing identity verification ''. I never received this verification. I was only sent texts to click a link if it was fraudulent or ignored and they would move digital currency to XXXX. Now I am unable to re-try the withdrawal due to the withdrawal pause. 

I made this withdrawal BEFORE BlockFi paused withdrawals for all my funds. This also included moving XXXX {$3800.00} and XXXX {$2200.00} to XXXX. These withdrawals have still not gone through but were initiated before the withdrawal pause they put in place. I'm guessing I will receive a " You did not complete the identity verification '' or some other notification to swindle me. 

I took a big chance on this company even defending them during these XXXX issues and they promised in online threads that our money was safe. I would just like them to honor my withdrawals.
Consumer complaint received 2022-11-06
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: SLM CORPORATION (TN)

XX/XX/XXXX XXXX hard inquiry. I didn't apply for it XX/XX/XXXX Sallie Mae Bank hard inquiry not my account XX/XX/XXXX XXXX hard inquiry not my account XX/XX/XXXX XXXX hard inquiry not my account
Consumer complaint received 2022-01-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-20
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. (WA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 4. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
5. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

My name is XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATIONS OF MY NAME!! I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-12-06
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)

I have been disputing this item with XXXX, but they still sold the account to a collection company. This account was fraudulently set up. 
XXXX ( XXXX ) XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc ()

Blockfi https : //blockfi.com/ has stated that they have significant exposure to XXXX crash and therefore they do not allow me to retrieve the coins I have in their storage. 

I am the ligitimate owner of said coins that are supposed to be in cold storage, therefore such funds can't be legally used to satisfy creditors if bankruptcy comes to Blockfi. I want my money back. It is my money.