davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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. (WI)

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. 

XXXX : # XXXX, XXXX XXXX XXXX  : # 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 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 2022-11-19
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. (FL)

XXXXXXXX XXXX  incorrectly reported a 30 day late payment on my credit card. I went to a XXXX branch and the bank manager opened an investigation. I then received a letter from XXXX that the information was reported in error and they would update the information with XXXX, Equifax and XXXX. They never did.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (CA)

BlockFi stopped all withdrawals due to their involvement in the XXXX debacle on XX/XX/2022. BlockFi have kept their costumers in the dark regarding what is being done with their assets ( are they still there? Have they been sold off?, etc. ) Tried to withdraw my assets and are currently " pending ''. Nothing has been done to keep us informed of the matter.
Consumer complaint received 2022-01-28
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. (IL)

Hi I am submitting this XXXX XXXX without 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 Bum. 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 XXXX  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
Consumer complaint received 2022-11-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BlockFi Inc (CA)

I opened a Blockfi account on XX/XX/XXXX. I have a checking or " wallet '', a savings or " interest account '' and a credit card with this online banking service. I'm concerned that I have not received a withdrawal I made on XX/XX/XXXX yet. It's been several business days. 
I'm also concerned about my interest account, the company is in financial distress from the XXXX bankruptcy. I have an inclination that customers funds are being misused, a similar case to XXXX. 

I'm concerned about my interest account and the investor wallet ownership in cold storage ( offline ) and how those wallets are in my name in cold storage and not to be used to satisfy secured creditors if bankruptcy comes.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: I.C. System, Inc. (TX)

I have been disputing the late payments showing on my account for IC System which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2022-08-04
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XX/XX/2021
Consumer complaint received 2016-03-02
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwestern Health Management INC (MO)

NorthWest Financial Services or XXXX XXXX now has my debt from XXXX XXXX XXXX. I am unaware if those debts have been charged to my insurance. Along with that I was making payments to XXXX at the time they turned me into NorthWest ... I have asked for a payoff amount ( discounted ) Northwest is unwilling to work with me and has threatened to charge me very large amounts of interest until I pay it off. I am willing to pay but not being threatened to be charged tons of interest when I barely have the money to pay it off in the first place. Thank you XXXX XXXX
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (MI)

Hello, I tried to withdraw from my wallet on the BlockFi app. It has been pending for over a week and will not go through. Blockfi is not responding to any concerns regarding this. I placed my ACH transfer on XXXX XXXX 2022 at XXXX, it is for XXXX GUSD. I have not received any response or updates from Blockfi.
Consumer complaint received 2022-01-28
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. (MS)

Both Equifax and XXXX are reporting a bankruptcy account. I have disputed this record several times ; however, it keeps coming back verified. I want to know THE METHOD OF VERIFICATION. XXXX and Equifax are in clear violation of reporting inaccurate information on my consumer file that is LAW 15 U.S. CODE 1681e ( b ) Compliance procedures & 15 U.S. CODE1681 ( a ) ( 4 ) CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE. This bankruptcy account is in clear violation of 15 U.S code 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS I never gave XXXX or Equifax anything in writing that would have given them permission to report this record. Saying I did such a thing when it is false is against the law identity theft and 18 U.S. Code 1028A AGGRAVATED IDENTITY THEFT which is felony two years in prison. I would like a full new copy of my credit report reflecting the deletions sent to me via usps mail.
Consumer complaint received 2022-01-28
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. (NJ)

I the consumer never gave written consent to the credit reporting agency to furnish any information about me they did not have permissible purpose to report this information, nor did they have the right to ignore and dismiss my request for deletion. 

I will be sending my invoice for ALL violating that has been made against me!
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

I have an auto loan with a company that i have never been late on and they are showing a 30 day late pay on my credit report. I paid the amount that was due over the phone and they assured me that it was on time and not late and would not report as a 30 day late on my credit report.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I received several automated phone calls from number XXXX XXXX XXXX XXXX at XXXX, XXXX, XXXX, and XXXX on XX/XX/2022. The cell phone receiving these messages is my personal phone number : XXXX. I picked up the phone and a robocaller said that " Someone is trying to change my password, if this is not you, press 1. '' I pressed 1 and was prompted to enter a security code from a text message. I entered the security code, and the phone immediately hung up. This occurred several times in succession. 

Here is a picture of the caller number via screenshot https : XXXX Here is the text messages I received via screenshot https : XXXX My paypal account was hacked on XX/XX/2022 at XXXX PST and the account password was changed without my authorization. 
Photo proof : https : XXXX The unauthorized user accessed my account and all of my current crytpocurrency holdings were sent out unauthorized and without my input to an unknown individual.The fraudulent transactions are as follows. 

The paypal account id is : XXXX XXXX following fraudulent activities have been identified. 

1. 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX XXXX to : XXXX Photo proof : XXXX XXXX XXXX XXXX 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX Sent to : XXXX Photo proof XXXX XXXX XXXX XXXXXXXX XXXX. 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX Sent to : XXXX : XXXX Photo proof : XXXX XXXX XXXX XXXX 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX  Sent to : XXXX Photo proof : https : XXXX I called paypal 's help number at XXXX XXXX XXXX XXXX and was assisted by an agent to report the fraudulent activity. A photo of the case file is listed below. 
https : XXXX. 

I was instructed by the agent to change my account password and I removed all of my linked credit cards and banking accounts. I was told that they will be investigating the account and activity which may take several weeks.
Consumer complaint received 2020-01-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lending Club Corp (MI)

I have 2 voicemails on my personal cell phone and one voice  message on my work phone on XX/XX/2019. On my personal and work voice mail he stated that the call was a legal notification of a petition for a civil judgement in the petition for garnishment of wages filed in his office against me. That he was an advocate for me and that I needed to reach quickly if I wanted any sort of assistance from them prior to the judgement filing.
Consumer complaint received 2022-01-28
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. (FL)

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 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (OR)

JP Morgan Chase required I pay them up front {$500.00} to consider allowing me to refinance my existing loan. The XXXX was not part of any of the closing costs they just demanded my credit card on the phone during Initial conversation. Then they delayed my opportunity to refinance for 7 months claiming paying quarterly property taxes was out of the normal. However I have always paid property taxes that way each of my prior XXXX refinances with chase plus my Initial mortgage with chase during past 13 years. Then over the next 6 months I had 3 loan officers contacting me and demanding I provide financial and employment documents via unsecure unencrypted XXXX accounts. My credit monitoring notified me of a breach. The documents fell victim of cyber security breach because of chase failing to request documents via secured channels. My identity was compromised. I sustained financial losses and damages
Consumer complaint received 2016-11-07
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: DLC, LLC (IL)

I am not XXXX sure of entire issue because company asks for the last XXXX of my SSN, which I do n't feel comfortable giving. My spouse looked up the number and saw that it belongs to STL ( short term loans ). I had a loan from a company with this name many years ago. However, it could be from a different company because they are all considered STLs. I started getting calls to my cell and house number ( unlisted ) from XXXX XXXX XXXX XXXX. My mother and sister have also been getting phone calls from this number. The rep asks for me by my maiden name. I tell them I do n't feel comfortable giving them the last XXXX of my social. They talk about an unpaid debt. I explained to them multiple times that I paid all of my loans and if I did n't it would be reported to check systems and I would not be able to take out another XXXX. I also told them that the loan place likely " went under '' and sold them my info without providing them with the details about my account being paid in full. The rep acts as though they are understanding and say they are making a note of everything, but they continue to call several times a day every so many days. I told them they can send me info through the mail, but that I would not double pay for something that was already paid in full. I also told the rep that this was harassment.
Consumer complaint received 2017-01-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (PA)

Pulled my annual credit report and show this collection agency is reporting me for a XXXX great adventure account. I never authorized any XXXX account. I called this agency asking for proof, the collection rep laughed at me and put me on hold for a half an hour. This is ridiculous.
Consumer complaint received 2022-11-19
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)

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 that a consumer reporting reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Please assist. 

This is the 2nd time I have had the undesirable experience with FlagStar as a loan servicer of a home loan I have. Had a similar issue that was a few years ago but there was little recourse to get it resolved properly. I think they purposely scam on fees for extra profit. 

In this particular case FlagStar had suddenly ( I mean suddenly ) became my mortgage servicer from ( actually I forget who had it before, can find out and send ). Anyway they took over my loan with no heads up notification to me. Immediately there was a {$46.00} late payment fee on the account ( not sure where it came from ). I was not going to pay it since it made no sense. There has been a couple of payments and a couple of attempts to get a hold of Flagstar, on hold for hours, never received a call back. Anyway noticed they took money not designated for late payment and applied to the late payment. Need them to reverse this and apply the payment as intended and explain to me why I have a late payment in the 1st place, since I have not been late on my mortgage payment. 

Flagstar Bank, XXXX XXXX XXXX XXXX XXXX XXXXXXXX took over servicing, it looks like XX/XX/2022. 

Account details ; Loan Number ends in 99 partial address of home with this loan ; XXXX XXXX XXXX Late Fee that was applied out of payment that was not authorized to do so : {$46.00} Again want the XXXX back and they should not be charging me any late fees of any kind. 

Also NOTE and is the attachment found in junk folder Flagstar Bank sent email after the servicing was moved to them stating no late fee charges for 60 days, which is a lie. Since they had a late fee all along ( for what reason not sure ) and waited until the XXXX to take it out of payment that I did not authorize for that.
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

I closed on my house sometimes last year in XXXX ; after closing the bank that service my loan cut mail a check which was mailed to my closed property address. Somewhere along the line someone intercepted the check and was trying to cash it with XXXX XXXX XXXX Bank in XXXX XXXX. The bank XXXX XXXX XXXX contacted me on the phone to establish if the person trying to cash the check was legitimate, turns out it was fraud. 

XXXX XXXX XXXX bank explained to me the process my loan servicer need to take to have the check return to them so they can cut me a new check, since last year my servicer has been given me the run around all to no avail. I need help to get my money back. 

My servicer was AmeriSave ; the check was drawn on Bank XXXX XXXX and an attempt to cash it was made on XXXX XXXX XXXX bank. 

AmeriSave said it showed in their record the check was cash, but I explained to them the check is being withheld by XXXX XXXX XXXX fraud department, I have no clue why it is taking Amerisave this long to resolve my case by issuing me another check. Please help. 

I will supply the name of XXXX XXXX XXXX XXXX Bank XXXX fraud dept. with number, my loan number and other information upon request. 

Thank you
Consumer complaint received 2022-11-13
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)

n accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, 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
Consumer complaint received 2022-01-28
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. (TX)

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 2022-01-28
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. (MO)

I've been writing Equifax for months in an effort to resolve inaccurate information they are reporting on my credit file. It always comes back as " accurate '' or " verified ''. They didn't investigate anything and when asked for the method of verification, they ignored me. My next move is to go to small claims court since Equifax will not follow the law as it pertains to FCRA. As a federally protected consumer, I know my rights and that I can sue them and win {$1000.00} per violation. I send all letters to them through certified mail with return a receipt so I know they received them and have well documented evidence that they have willfully ignored the law and in doing so have violated my rights as a consumer, which has caused me to be denied credit and pay higher interest on my existing loans. Equifax 's business model appears to profit at the expense of others by furnishing inaccurate or unverified information to banks who request consumer credit reports when deciding loan interest rates.