davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

My Equifax Credit Report was included in the computer glitch from Equifax on XX/XX/2022. I can not access my credit report or credit score since that date. I have called several times... they gave me an incident report number but nothing was fixed as of today ... XX/XX/2022 Please Help ... this has affected my credit rating as its showing my credit score of XXXX which is incorrect!
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

My landlord uses Cash App, but I dont generally use this app. The landlord paid me {$50.00} for an air conditioning unit, via Cash App. I tried to withdraw the funds to my linked bank account, but the withdrawal would not work. When I contacted Cash App customer service, I was told that the debit card through my bank is not supported and that I should use a different debit card ( though prepaid debit cards are not supported ). I told them I dont have a different debit card, and the customer support said I am unable to manually override this, please link a different XXXX  XXXX or XXXX debit card. Again, I dont have a different debit card. They said I can assure you this is the best course of action. They gave me no information to access the funds. I need to withdraw them, and can not access them.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report I noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX assumed this role without permission not only that They did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise your grave responsibility, they were unfair, they were partial. They never had a permissible purpose Under 1681 b number 2, I never instructed them to furnish a report and I never consented to the report in the first place.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Discovered fraudulent accounts opened in my name without my knowledge or consent. I have been unsuccessful in obtaining original signed contracts for these 2 accounts. One of these accounts was even turned into a judgment against me without my knowledge. I am just looking for signatures to be able to press charges.
Consumer complaint received 2022-08-31
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

they have violated 15 USC subsection 1692g ( b ) in accordance with fair credit reporting act XXXX  account # XXXX has violated my rights.

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 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

I have also sent a request for verification of this account in which I still have not received any original contracts with my signature on it. I sent a identity theft report and letter hat request the block of inaccurate information which in this case has been ignored multiple times. this account with this alleged debt comes back verified every dingle time with no form of Verification I requested provided. This USAA Savings Bank Account # XXXX NEEDS TO BE DELETED AND REMOVED immediately From my consumer report To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2022-08-31
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: LEXISNEXIS (TX)

XX/XX/2022 submitted complaint because Lexis Nexis provided the 3 credit bureaus with information regarding a bankruptcy it pulled from XXXX, a system of record used by the federal government. I did not give Lexis Nexis any permission to report the information and the Court of Record did not instruct them to report the information or validated the information. 

As of XXXX XX/XX/2022, the company is using a stall tactic to delay removing the information stating it could not verify my identity. I am not sending the in as a new investigation. I demand immediate action from Lexis Nexis to clear my report.
Consumer complaint received 2022-08-31
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. (FL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, CHILDSUPPORT XXXX, and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Everytime i purchase that involve credit report, that XXXX XXXX XXXX {$5100.00} still shows in my credit report everytime i refinance the house or car or purchase a product. That {$5100.00} has been paid off 2 years ago and i even called XXXX to take out that report but still shows..
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: South Coast Doc Prep (VA)

XXXX. XXXX. Claims to help get XXXX  loans forgiven. Asked {$2500.00} plus to do it. Claimed they were operating under the XXXXXXXX XXXX  XXXX act of 2010 and anything that president biden was doing. They wanted debit info etcetera. Checked them online. There were claims of being a scam
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MI)

I contacted Apple Card Support after getting a new XXXX and adding all of my credit cards to my wallet. I received a notification that my account had been closed when I added my Apple card. This seemed odd to me because to my knowledge it is illegal for anyone to collect an extension of credit. I received an extension of credit when I opened this Apple card by Goldman Sachs using my SSN. However, the error was probably caused by a mistake or a system error, so I contacted their customer support team. This big of a corporation wouldn't do anything illegal, would it? While addressing this situation with him, the customer service representative was very friendly and helpful. I was placed on hold for a few minutes waiting to be transferred to a supervisor. He came back and said to refer back to the email why my account was closed and that she couldn't provide any additional information. That wasn't a big deal to me, and I knew he and the supervisor didn't realize that collecting an extension of credit is illegal. Additionally, I asked her to keep it in the notes in case someone from the legal department or supervisor gets in touch with me. 18 USC 894 ( a ) ( 1 ) ( 2 ) Whoever knowingly Participates in any way, or conspires to do so, in the Use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

Hello, We are trying to get our PMI removed from PHH Mortgage. 
We had tried to get the PMI removed in XXXX, but they filed the appraisal 10 days before the loan became over XXXX XXXX old, and they did not consider our partially finished basement a major project. Therefore, they rejected the PMI removal request. 

I then waited until the loan was past XXXX XXXX  maturity and resubmitted a PMI removal request. The appraiser came in on XX/XX/XXXX and completed the appraisal. 
I asked for an update on XX/XX/XXXX, and they responded with the following message : " Your request is under review with our Private Mortgage Insurance ( PMI ) department. A letter of instruction has been requested for the account and will be mailed to the mailing address on the account. Please allow XXXX business days for the request to complete and additional time for delivery. '' I've called multiple times in the last several weeks and they continue to say that they are processing the request and that they've escalated it. They won't give me the appraisal number that should have been completed several weeks ago, and I'm concerned that they are stalling to see if the housing market goes down and then they will give back a lower number, and reject the removal request.
Consumer complaint received 2022-08-31
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. (NJ)

My complaint is with Experien. My credit scores have improved over the years with XXXX and XXXX but NOT with Experian! How is that even possible? I recently had 2 Collection Accounts removed and immediately XXXX and XXXX notified me of this information and updated my score. Experian never notified me or en made mention of this drastic change and my score with them remained the same! They have been using the same low credit score for years without change, which is simply impossible! I need assistance in getting to the bottom of this major problem especially since they are mainly used for applying for credit. Please help me! Thank you!
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts and Addresses were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- Credit Cards- 1. XXXX XXXX Account # XXXX Open dateXXXX XXXX, XXXX Amount- {$6000.00} 2. XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX -Amount- {$2400.00} 3. XXXX XXXX Account # - XXXX Open date- XX/XX/XXXX, XXXX Amount- {$4300.00} 4. XXXX XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX, XXXX Amount- $ {$7600.00} 5. XXXX XXXX Account # - XXXX Open Date- XX/XX/XXXX, XXXX Amount- {$1000.00} Inquires 1. XXXX XXXX- Inquiry date- XX/XX/XXXX 2.XXXX XXXX Inquiry Date- XX/XX/XXXX 3. XXXX - Inquiry DateXXXX XX/XX/XXXX 4. XXXX XXXX Inquiry Date- XX/XX/XXXX 5. XXXX Inquiry date- XX/XX/XXXX 6. XXXX Inquiry Date- XXXX XXXX, XXXX 7. XXXX XXXX- Inquiry Date- XX/XX/XXXX 8. XXXX Inquiry Date- XX/XX/XXXX 9. XXXX Inquiry Date- XX/XX/XXXX 10. XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX 11. XXXX  XXXX  XXXX- Inquiry Date- XX/XX/XXXX 12. XXXX Inquiry Date- XX/XX/XXXX 13. XXXX XXXX Inquiry Date- XX/XX/XXXX 14. XXXX XXXX Inquiry Date- XX/XX/XXXX ADDRESSES XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-21
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. (NJ)

When I checked my credit report via XXXX I saw this a lot of addresses reporting in it. I onced heard that this addresses may contain accounts that is not yours. Please help me get this removed. Thank you! Here are the addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/XXXX
Consumer complaint received 2022-10-26
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. The LIST of accounts Below has violated my Federally protected consumer rights To privacy and confidentiality under 15 U.S.C 1681. 

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, 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 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

For the last XXXX months, I have attempted to resolve the innaccurate information that's showing on my credit report profile with this bureau. I have not received any relevant information regarding why these items are still on my credit report. 

I have sent letters, called and there's been absolutely no response and these items are still not removed off of my credit report.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (RI)

I was a victim of identity theft. Fortunately I caught it early and reported it. I had a fraud alert put on my credit report. The credit card company sent letters saying this was fraud and shut down the accounts. I filed a dispute with Equifax and the response i got back was the inquiries were " factual ''. Their dispute process is horrible, if its a dispute does anyone look at it? They just send you a form letter.
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (LA)

XX/XX/2015 I had a credit score of XXXX with Equifax , I had prev disputed accounts due to identity theft on my report, so I put a security freeze on my account. So about in XXXX I called Equifax to have my security freeze lifted but for some reason they could not lift it right away they stated they had techinal issues and I had to wait for 72 hours, and it actutally took a week or longer. So when I did get a chance to see my credit report I noticed that they had added XXXX accounts to my report. I reached out to Equifax and asked why they stated I had to files that were the same exact information on it. So Equifax combined the duplicate file to my report which added XXXX accounts back to my report. I have been trying to dispute information to them they are very rude when I call. I have sent information providing that those extra accounts were prev disputed and removed but they refuse to do anything about it. I am a victim of identity theft and have a police report on file. they will not remove those xtra accounts. It was Equifax consumerdept that will not help me in any way shape form or fashion. I have faxed over documents and they still have that duplicate information reporting on my credit report. Equifax Consumer Dept are the wrost people to have to call and talk to, because I call so much sometimes I can here them making smart remarks or laughing in the background. They have said thy have disputed the accounts and I have asked for actual paperwork validating that these accounts are mine they told me that they do n't send out information like that. I am so pised off with Equifax , they will do nothing to fix my problem, my credit score went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX they will not give me any information to prove to me that these accounts are mine, I requested information in black & white proviing that thee accounts belong to me but they will not due so
Consumer complaint received 2016-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc. (VA)

Meridian Financial Services called me twice and was extremely rude. I asked for Corporate address and contact information so I can provide documents showing that I have not owned the property that they are trying to collect on for years. I can not get to the information I need because the collector keeps harassing me about a payment and cutting me off. On XXXX/XXXX/16 they called at XXXX XXXX and hung up after I asked for more information.
Consumer complaint received 2016-09-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

We received a payoff that had an amount good through XXXX XXXX, 2016. The full amount of funds were wired to Carrington Mortgage CA XXXX. Their company did n't upload the correct amount of funds-they uploaded a smaller amount and rejected the payoff. When title and I called they could n't give us an amount and kept saying it was in foreclosure. I was referred to a lady XXXX, their attorney, who stated it was not in foreclosure and no additional fees had been assessed. Carrington Mortgage has added an additional {$800.00} in fees they ca n't explain to me what they are for. They will not release the house or take the funds unless we pay this amout. The home was never filed to be in foreclosure. They are also now charging us additional days that they returned the money for but they never even uploaded the correct amount on XXXX XXXX. Today is now the XXXX and they are still charging us because they wo n't accept the funds. Title sent them the exact amount on this payoff Carrington Mortgage provided ... giving the balance through XXXX XXXX but to add {$26.00} per day until the XXXX. As I stated the funds were wired XXXX XXXX in the amount of {$200000.00}. Carrington Mortgage only uploaded {$200000.00} Then stated it was n't enough to payoff and returned all funds. The loan is still accustoming interest as I type this though we sent balance in full almost a week ago that they refused.
Consumer complaint received 2022-10-25
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. (CO)

In accordance with the Fair Credit Reporting act XXXX Account for XXXX accounts is # XXXX, which 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 Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX, XXXX XXXX on the date XX/XX/XXXX, and XXXX XXXX XXXX  in which was XX/XX/XXXX and also from the same company XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX and the date of inquiry XX/XX/XXXX. I noticed a total of three unauthorized hard credit checks by XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Another company unauthorized pulled my credit known as XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) marked a negative inquiry affecting my credit score. Next, a company called an XXXX XXXX  company unauthorized checked my credit. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, XXXX  XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, the inquiry date was XXXX and XXXX XXXX, XXXX  XXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX  and XXXX are unrecognized credit companies to access my credit report for this reason. A recent company that goes by XXXX XXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is XXXX dispute confirmation number provided by Equifax is XXXX. For all the hard inquiries mentioned above, I didn't give the companies authorized to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. I've contacted all the credit bureaus and credit reporting agencies pior to submitting this claim The dispute confirmation number is XXXX.