davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERISAVE MORTGAGE CORPORATION (MD)

On Tuesday, XX/XX/2023, at XXXX XXXX, I received an email from XXXX XXXX, a Loan Originator with AmeriSave Mortgage Corporation stating that her underwriting system wanted her to do a hard inquiry to check my credit report, and that she wanted to get my approval on this before she proceeded. I never approved for her to do a hard inquiry to check my credit report. The following day, Wednesday, XX/XX/2023, at XXXXXXXX XXXX, I received an alert from XXXX XXXX credit monitoring stating that there was an attempt to perform a hard inquiry to check my credit report through XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX ; however, Access was denied because my report was locked from unauthorized access. I never authorized AmerirSave or XXXX XXXX to do a hard inquiry to check my credit report. I contacted XXXX and confirmed that AmeriSave had performed the hard inquiry of my XXXX XXXX credit report in an attempt to obtain my fiancial information. I then sent XXXX XXXX an email inquring as to why she had attempted to do a hard inquiry to obtain my fianancial information from XXXX XXXX without my knowledge or consent ; however, I never recieved a response from her. On XX/XX/2023, at XXXXXXXX XXXX, I sent a follow-up email to XXXX XXXX stating that I had sent an email to her regarding this matter and that I was expecting a response from her. However, I never received a response to the email inquiry or any explanation as to why she or AmeriSave attempted to obtain my consumer credit report and financial information without my knowledge or consent.
Consumer complaint received 2023-10-07
Product: Credit reporting 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: LEXISNEXIS (TX)

I have requested a copy of my Consumer Disclosure Report and a Description of Procedure Letter. The reason this information was requested is because LexisNexis has information on my consumer file that does not belong to me, outdated information that should no-longer be in my file, and this information is causing harm. Even when I request the information directly from LexisNexis, the request is being denied as they are unable to authenticate my identity and therefore can not process my request. 

If I never done business with this company what information doesn't match up to what they have? If they are basing things directly from CRA 's, what information would not match up to what they have? this is a way for them not to provide me with the requested information so that they can continue to keep the negative information in my file, and sale this information to insurance companies, banks, and other institutions that would either deny me credit and or charge me higher interest rates.
Consumer complaint received 2023-09-26
Product: Credit reporting 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.

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 inructions 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have started looking into to my credit and noticed the very unfamiliar accounts below. I have no knowledge or have I ever done business with the companies listed below. I have tried everything to get this fixed. 

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXXXXXX XXXX account number # XXXX XXXX XXXX XXXXXXXX account number # XXXX XXXX XXXX XXXXXXXX account number # XXXX XXXX XXXX XXXX account number # XXXX 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 agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (CA)

This account was paid and settled, however, this account is still showing on my credit report with inaccurate information. I have tried to dispute this several times through XXXX several times and MoneyLion each time as refused to acknowledge nor delete this as a goodwill deletion.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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, 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.

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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I received email from credit monitoring that XXXX pulled my credit for something. Called them they said they showed no account and advised to contact their fraud department after waiting for hours and opening a XXXX  complaint for wait they advised same thing no record of my info. Now years later a debt buyer opened a collection against me for this when I have never had XXXX XXXX ever and attempted to stop the fraud when it occured.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Date Opened : XX/XX/19 XXXX XXXX XXXX  has violated my rights as a consumer. According to 15 USC 6802 : ( b ) Opt out, ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not get an opportunity to choose if I wanted my nonpublic personal information disclose to any third party including credit reporting agencies. I have expressed to XXXX multiple times through letters, that i do not want my information/transactions/experiences furnished to ANY third parties. I have sent multiple letters yet I have gotten no response to my issue.
Consumer complaint received 2023-05-09
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)

I noticed inaccurate and a unauthorized account reporting negatively on my consumer report. Not sure if you're mixing my identity with someone else or of this is identity theft. I will attach a letter so your company can investigate and remove this inaccurate account. I will also attach copies of all the credit reporting agencies address reporting FALSE addresses on my credit report.
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SD)

I have a friend who I routinely lend money to, and they quickly pay me back. So When I got a message from them asking to borrow {$200.00} I thought nothing of it. Unfortunately, my friends XXXX account had been compromised. 

In this message, they asked me to send {$200.00} to XXXX XXXX on Venmo. I asked about the different name and they said they were a friend and their accounts were locked up. This seemed fitting with my friend so I didn't consider it was fraudulent. 

It was only after Sending {$200.00} from my Venmo account XXXX XXXX to XXXX XXXX that I was made aware of the Fraud. 

I initially filed a complaint with venmo and they said " Hello XXXX, Unfortunately, based on the information you've provided, it sounds like the person you were transacting with did not fulfill their end of the transaction. For resolution, we recommend that you reach out to the recipient of the payment, as we are not able to provide reimbursement or mediation in this instance. '' Since that did not work. I filed a complaint with my bank XXXX who is backed by XXXX which is a FDIC insured organization. This is what they said. 

" Hi XXXX, We understand how frustrating transaction errors can be. Unfortunately, we are unable to file a dispute unless a billing or merchant error occurred. Since you initiated the transaction and it was executed accordingly, we are not able to file a dispute claim on your behalf. '' I just need my {$200.00} back.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Between XXXX and XXXX of XXXX, I initiated multiple communication attempts with Equifax in an endeavor to rectify inaccuracies within my credit report. Regrettably, as of XX/XX/XXXX, my credit report remains inaccurate. Disturbingly, I have ascertained the existence of XXXX or more credit profiles associated with Equifax under my name. During XXXX, I diligently furnished Equifax with my driver 's license as supportive documentation, evidencing the inaccuracies present in my information. 

The repercussions of this persistent inaccuracy have manifested in manifold adversities. Firstly, my capacity to secure credit is impeded, as XXXX profile exhibits an absence of trade lines, while the other presents erroneous information. Furthermore, there exist items necessitating dispute, yet I find myself incapable of initiating the dispute process. Additionally, my access to the credit report itself is presently obstructed.
Consumer complaint received 2023-05-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Self Financial Inc. (CA)

Hello! On XX/XX/XXXX I opened up a loan with Self Financial Inc of {$1600.00} that specifically stated how I would have roughly 12 months to pay off. I opened this account because it was to build up my credit, they would first have me pay off the loan amount and then send out the payment to me. They then offered me a secured credit card, which I opened up and deposited a portion of the loan I had already given them. This resulted in my new payout amount dropping from {$1600.00} to {$980.00}, again this was due to the fact that I funded the secured credit card with the deposit I had initiated with the money I had already given them. I would have to pay a minimum of {$140.00} a month, however, I finished this loan early on XX/XX/XXXX, and they responded with an email saying how they would send out my loan payment through direct deposit and that its arrival date would be XX/XX/XXXX ; the amount of {$980.00}. I never received the payout on XX/XX/XXXX and I emailed them several times, they asked for a series of documents proving my identity which I sent out. This included my XXXX passport, social security number, Social Security card, bank statements, a picture of my debit card, and more. They said that they were going to close my account if I did not send them the documents and that they would not send out my payment either until I sent them said documents. However even then, they said I would have to send them a state-issued ID and my driver 's license, which I don't have. I have no trouble acquiring a state issued ID at this point, but I decided to do some research and I saw that many many people were dealing with the same issues as I was, even though they sent every form of ID that was asked of them to do so. Their rating on XXXX  was almost a 1 star, I wish I did my research earlier on. I don't believe this is fair because they seem to have no trouble asking me for these before I opened up an account, but somehow they need it for when they're supposed to pay me back now?
Consumer complaint received 2024-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

New Rez should be reviewing our master XXXX policy from XXXX. XXXX # XXXX ( XXXX XXXX ) and our XXXX XXXX XXXX policy # XXXX ( that we have had from the inception of our loan!! ). You will find that we have sufficient coverage, the mortgagee clause is correct and you have been overcharging us. Again, the confusion comes from us sending Newrez our CORRECT policies every year and then getting inundated with letters that are incorrect and confusing. I will not stop until this is fixed. I can provide and have provided proof of sufficient coverage for the entirety of my loan. You can call our agent, ( XXXX ) XXXX and they can confirm the same thing as far as wind coverage. The wind coverage is on XXXX XXXX XXXX policy # XXXX. REFUND the money you took from us because your insurance department isn't doing their job properly. FIX OUR ACCOUNT. You have cost us so much money and time. This is illegal, unprofessional, and incompetent. It is time for us to submit the updated policies for XXXX. This complaint is NOT about that. It is about overpaying for XXXX. You keep saying it is because of the XXXX policy. That was an ADDITIONAL policy we sent you out of confusion. This issue continues to cost us money, time and peace. If you have an overseas company reviewing our insurance, they are messing it up. Not everyone can afford these mess ups. We continue to pay in order to avoid foreclosure, but imagine if your rent or mortgage payment suddenly went up and it was not warranted. DO NOT send me another letter explaining insurance requirements. We understand them. The issue is with your insurance department. Our next step is an attorney. It is simple to resolve on your end. All it takes is a supervisor reviewing the two policies, refunding the money like you did last year and not repeating the same mistake this year.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (NC)

I have taken numerous steps to explain that the debt is incorrect and have sent all the necessary documents to support my dispute. I have provide personal statement showing all rent paid on time and they have taken the measure to lock me out of the property online portal to pull the necessary receipts. All rent payments was paid in full and the company has rejected all my attempts to dispute the debt.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OR)

I am dissatisfied with Citibank 's handling of a routine transaction on my card. They blocked my card for potential FRAUD and, upon contacting them to resolve the issue, informed me that a code would be sent via mail, with a waiting period of 7-10 business days. This antiquated verification process seems overly cumbersome for a major institution like Citibank. Despite my request for alternative verification methods, such as a one-time passcode ( OTP ) sent to my registered phone number, providing my social security number, verifying my address, recalling a secret word, or detailing the last 3 transactions on my card, they declined to assist. I find myself stuck with a {$100.00} annual fee card that I can not use due to the unavailability of a code that will only arrive after 10 days, hindering my immediate card usage. I implore you to expedite the removal of the fraud alert from my account using an alternative and more efficient method.
Consumer complaint received 2023-05-05
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. (SC)

Equifax is reporting XXXX XXXX XXXX date opened XX/XX/2020 in the amount of {$310.00}. This information is incorrect. This is the date XXXX XXXX XXXX purchased the account from the original creditor.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my and instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX Equifax XXXX I am writing to dispute several items on my consumer credit report that I believe are inaccurate and should be removed immediately. I am invoking my rights under the Fair Debt Collection Practices Act ( 15 USC 1692 ), specifically sections 15 USC 1692 G, 15 USC 1692 I, and 15 USC 1692 E. 

Upon reviewing my consumer credit report, I have noticed the following items that are listed as negative and not accurate : - 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 I have evidence to support my dispute and request that you investigate these items and remove them from my consumer credit report as soon as possible. I am also requesting that you provide me with a copy of my updated consumer credit report once these items have been removed. 

I would like to remind you that as a credit reporting agency, you have a legal obligation to ensure that the information on my consumer credit report is accurate and up-to-date. The Fair Debt Collection Practices Act ( 15 USC 1692 ) provides me with certain rights to dispute and remove inaccurate information from my consumer credit report. 

I appreciate your attention to this matter and look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accodace with the fair credit reporting act XXXX account # XXXX, has violated my right. 

15.u.s.c 1681 section 602 A. State I have the right to privacy 15 u.s.c 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions