davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (AZ)

I was a victim of Identity The. 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 the. The following items need to be removed and blocked as they are fraudulent. Accounts XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account Number : XXXX Inquiries XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX, XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2022-10-07
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

AWA Collections is claiming that I have a debt with XXXX XXXX. I have requested several times that AWA would provide me with the evidence of this debt and that it is in fact mine. A copy of my driver license and a signed contract bearing my signature. Also an affidavit stating they are not the owners of this debt but authorized to collect on behalf of the original creditor.
Consumer complaint received 2024-06-05
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: Fidelity National Information Services, Inc. (FNIS) (VT)

For months, I have tried using the ChexSystem website to get an online account, view credit reports, and use the ID monitoring tools. Chexsystem continues to unduly deny me access stating it can not generate a security quiz for me and to contact chex for alternative methods. 
Calling chex just gives me the party line that they use a 3rd party, AKA XXXX, and gives m their phone number. XXXX has a full report on me, i am not opted out, i do not have a freeze. XXXX  sucessfuly pulls reports on me for other entities that need to do ID verification, just not Chex. I called chex again, asked for an alternative method per the website.. denied. Asked for their legal address so i can a formal complaint, and if needed, a civil summons for violation of FCRA rights, they will only provide a XXXX XXXX XXXX Process server requires a physical address. 

Chexsystem is hiding behind the use of a 3rd party as a reason why they unlawfuly discriminate on customers and refuse to provide them credit report access. However Chexsystem is wholly responsible for it's partner relationships, and to ensure consumers have access to their data, and that the data they contain is valid and error free. Using a 3rd party does not in anyway under federal law excuse them from their responsibility of ensuring data access.

Review of complaints shows this is a frequent pattern for Chex.
Consumer complaint received 2022-10-07
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MD)

I requested a refund for {$1200.00} sent to my energy company because I received a government grant. I was denied my refund 4 times and Ive been asking for 2 weeks why my dispute was denied. They still havent sent a response. The XXXX suggested a complaint to this agency because its illegal to not tell why a dispute was denied. I would like my refund because I am on a fixed income.
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IL)

this involves my paypal credit account ; as I was checking my balance statement this morning XX/XX/XXXX, I noticed a finance charge of {$9.00} for XXXX for a cash advance. i had received a cash advance from paypal credit back in XX/XX/XXXX, i believe for either {$600.00} or {$650.00}. When I saw the finance charge this morning i connected with live chat and chatted with XXXX XXXX ; i asked what was the remaining cash advance principal, how longer will i be paying for it, how was the principal reduced when i made payments etc. he checked and found out that the cash advance balance was paid off in XX/XX/XXXX ; but i was being charged a cash advance finance charge for the cash advance still! thru XXXX! he reversed the charges he said ; the reversed finance charges supposedly would show in my balance in 48 hrs., he said ; i hope it's the truth. when i asked how this happened he said there was a glitch! he also said that he escalated the case so this would not continue to happen ; i dont believe him! i lost all trust with paypal credit ; how many other people has paypal charged illegal finance charges? this is terrible!
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

While attempting to discuss refinancing XXXX Load advised that there was an " Open Dispute '' I advised that one had been open but resolved. I was informed that OCWEN would need to close the dispute in order for me to discuss the issue further. I have unsuccessfully reached out to OCWEN XXXX and to date the dispute has not been closed nor has anyone investigated the matter. I am being denied the opportunity to lower my mortgage due to OCWEN 'S incompetence and failure to resolve this issue. HELP!!!!
Consumer complaint received 2022-11-30
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. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times and I DEMAND the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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)

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 # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Auto Account # XXXX, Account Name : XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 XXXX 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

Fraudulent inquiries from XXXX is XXXX and with TransUnion is XXXX XXXX  XX/XX/2020. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

We are a XXXX XXXX XXXX XXXX XXXX that specializes in short sales. We are in the process of a many short sales with PHH. Every short sale file seems to take up to 6 months after submitting a complete short sale package. I call PHH almost every week to get a status and about every call I get opposite updates that I received a week ago. For example, last week PHH tells me they have a completed short sale package and the appraisal results are in and we should have a decision is a week or 2. I call back 2 weeks later and then they tell me there is no short sale review and they have no record of an appraisal ever being ordered? About 5 weeks ago I personally let the appraiser in and PHH verified that the appraisal has been ordered and the appraiser mentioned that he received the order from PHH. I have so many stories like this on every PHH short sale file we work on. Can someone please step in and help PHH with their short sales and provide a decision in the time period like they are supposed to. 
I spoke with XXXX XXXX ID # XXXX one of the managers in the loss mitigation department today and she said they need a lot of " fixing to do '' ... Can someone please help PHH to obey the rules and guidelines that are in place.
Consumer complaint received 2022-10-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tunnell & Raysor, P.A. (DE)

An illeged debt in the amount of {$1600.00} was sent to the credit beauraus. The illeged debt was then disputed for inaccuracy and to validate ownership of the illeged debt via original signed contract which was never furnished. The illeged debt appears to have originated with XXXX XXXX and then sold to debt buyer XXXX XXXX XXXX. The debt buyer then illegally tried to collect of the illeged debt, and eventually filed a lawsuit unbeknownst to myself as the address associated with the debt is incorrect. I only learned of this as my employer has informed me of a wage garnishment set to start next week. The lawsuit No. XXXX has cited an orignal illeged debt amount of {$1600.00} which differs from that which was falsely reported to the credit beauraus, which is a violation of my consumer rights. The attorney XXXX XXXX, who is attempting to collect the debt is also in violation of several laws, as he us acting as a debt collector. I have listed the violations below and request that ALL communications and attempts to collect this elleged debt be ceased immediately a d removed from all credit reporting agencies. 

1.Pursuant of Rule 60 ( A ) ( B ). Original alleged debt In the amount of {$1600.00} was sent to the credit beauraus. Illeged debt was disputed for inaccuracy and proof of debt validation ( original signed contract ) which was never furnished. XXXX XXXX XXXX. XXXX states original debt I'm the amount of {$1600.00} which is completely inaccurate. 

XXXX of United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX And XXXX v. XXXX XXXX XXXX XXXX. XXXX L.. XXXX. XXXX. XXXX XXXX. Attorneys can't testify ; statements of counsel in brief or in oral argument are not facts before the court. 

XXXX of XXXX v. XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX. XXXX A. An attorney for the plaintiff can not admit evidence into the court. He is either an attorney or a witness, '' and, " Statements of counsel in brief or in argument are not facts before the court. '' XXXX of XXXX XXXX XXXX XXXX S.Ct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al., Petitioners, v. XXXX XXXX XXXX No. XXXX. Supreme Court XXXX XXXX XXXX XXXX XXXX lawyer who regularly tries to obtain payment of consumer debts through legal proceedings meets the XXXX 's definition of " debt collector '' : XXXX who " regularly collects or attempts to collect, directly or indirectly, [ consumer ] debts owed.
Consumer complaint received 2019-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (KY)

I've tried contacting the debt collection agency " Aldous & Associates ''  multiple times. I made them aware of all violation codes ( 3 ) in which the gym had violated per California Health Studio Contract Laws voiding the contract which is putting me in " debt ''. They kept on disregarding my claims and saying I need to pay the debt, and it's already been sent to collections which will damage my credit. I then asked for proof of debt. The agent said I must send this request by mail in person. I notified him I'm temporarily XXXX & I've crashed my vehicle & to please give me a business email I can send and recieve all legal information and requests to. After so, he notified me its policy they only accept information by mail. Despite my XXXX. I noted to the agent the policy is unfair for XXXX persons living on their own & is simply a policy to pursue individuals to just accept the " debt '' & pay it. Apposed to going through the troubles of printing a letter, getting to the post office, & paying the fees to send said letters. Along with that, they gave out my personal information to an unverified person ( name, address, birthdate ). After notifying the agent of their own violation, they disconnected the call. I attempted to call back 3 times after. Only to be put on hold for extensive periods of time, then disconnected with no communication.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (MO)

On XX/XX/2021 I find out that a bill that I'm sure was paid was sent as unpaid and hit my credit. Naturally I called and asked for a pay to delete. The agent on the phone assured me XXXX times that this would be completely removed without a trace. I asked three times just to make sure. She said " yes, as soon as you pay this will be removed completely from your credit. '' So I made the payment. Then she stated that she is sending me two emails one for proof of payment and the other for deletion. They never came. So I called back and I get a different agent. She said " you have to call the reporting agency to get the deletion papers. '' Well I called XXXX XXXX and they said " if you pay us ANOTHER {$200.00} we will delete '' so I paid again after I asked why I had to was told " you pay to delete ''. 
I hang up with XXXX and call Convergent and they tell me " The agent you spoke with was misinformed so we will not be deleting but will mark it as paid. '' Now that was NOT the agree. I also recorded the call to make sure that was not the agreement. The lady said clearly that " it will be removed from my credit reports. '' Now I can prove this but they are not honoring what their agent stated. Her misinformation does not take away for what she stated considering she works for them and they trained her. I am not out over {$400.00} for a debt that was only {$200.00} and I will be filling papers in small claims if this is not resolved. I did NOT pay on a debt that was paid years ago for a " paid status. '' Follow the agreement of deletion as promised!
Consumer complaint received 2021-03-10
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 (OH)

The company has not given me any answers to my dispute and I want this removed immediately. I am finding almost all history on my credit report is invalid and all done without my knowledge. This application and card was fraudulently obtained and i dont know when or by whom. Im trying to remove all from credit report immediately. Few companies are giving me problems and then I have decided I am going to lock/freeze my accounts so this is unable to happen again. Please remove this card information for me as like I said this was not me and it is fraud.
Consumer complaint received 2021-03-10
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: Credit Plus Inc (TX)

Hi, I need you help! I have reached out to both of these companies in the past. I discussed mortgage lending options with them. They were not allowed to pull my credit report! But yet I not see that they DID inquire and pull my report. I was actually told that they WOULD NOT pull my credit report. This is why I was discussing a loan with them in detail with the understanding but was not ready to purchase yet. Tricky!!! 

I would these crooks inquiries removed permanently from my credit report ASAP. 

# 1 - XXXX XXXXXXXX XXXX # 2 - XXXX XXXX