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: Kansas Counselors, Inc. (GA)

I was not given the opportunity to opt-out under 15 USC6509 of the third-party reporting and I have not provided written consent for this third party to report anything on my report and with the negative information, has caused harm to my well-being stopping me from providing for my family or providing a way of life for my family according to the privacy act of 1974 XXXX information should not have been sold or given to this agency and this is also a HIPPA violation providing my personal medical information. XXXX and XXXX have allowed this agency to report negative information on my report and medical bills are no longer to be reported. I do not consent to any written or verbal agreement in the past and in the future.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (PA)

on XXXX XXXX I send in dispute letters to all three credit bureaus stating there was incorrect information on my credit report from XXXX XXXX XXXX  about late payments from XXXX and XXXX XXXX. Then I reached back out to them on XXXX XXXX and nothing.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

This morning I got an alert from XXXX credit monitoring stating I got a new Hard Inquiry on my report from Capital One. I know I did not apply for Capital One so that's what made me look into my credit report. I also noticed a few others that is on my Hard Inquires. I called & spoke with all 3 bureaus to dispute, all three is on it. It's not only fraudulent but can it be removed as well? Please advise, thank you.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (TN)

What is complaint about : Pen Fed mortgage failed to complete our loan which was started in XXXX XXXX and was scheduled to complete on XX/XX/2020. 

What happened : Due to poor communication and misleading information, we were forced after 90 days to find a new lender during the month of XXXX and start a loan process from scratch. Repeated requests for updates went unanswered for days ( sometimes 6 plus days ) through XXXX and XXXX, sending critical notices to the wrong email address and the answers we got were not correct. We do not know the cause but whether negligence or indifference the effect was the same. We provided even them with appraisers in the area What company : Pentagon Federal Mortgage Who are the people : XXXX XXXX XXXX, Digital Mortgage Loan Officer XXXX XXXX, Mortgage Processor plus various managers and supervisors who listened to our complaints on XX/XX/XXXX when we called asking for explanations and resolutions. We spoke to 5 different people during an hour and a half call. Note that even after going through their management chain, there was no improvement in the accuracy nor frequency of the communication from Pentagon Federal. It is conjecture but it seemed like they just wanted us to go away so they could deal with the larger customers. 

What response do we want : No one should have this much trouble getting a loan. We would like Pen Fed to reimburse us for the direct costs we incurred : {$660.00} in additional storage and {$700.00} in additional motel stays, to say nothing of the indirect costs of staying in Virginia for an additional 2 months. We'd also like an apology for the incredible stress this put us under. Plus an apology to the TN seller, who was forced to secure a loan to fill the gap between when they moved out in XXXX -- -IN GOOD FAITH -- -and when we finally closed in XXXX. This should NOT happen to anyone else. The stress involved in buying and selling your main place of residence is high enough without avoidable complications.
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 status incorrect
Company: CCS Financial Services, Inc. (TX)

On XXXX paid ccs in full for removal. XXXX has removed it XXXX has removed XXXX has not it has been disputed many of many times in XXXX XXXX has not looked into dispute because it would have been removed
Consumer complaint received 2021-04-14
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. (TX)

My identity has been stolen and all three major credit bureaus have placed the alerts and freezes. However unknown to me is that other people have accounts in my name with the credit bureaus. XXXX XXXX also has an account with another person on it. I did call and got things fixed with XXXX but the thief has over taken my account again. All I can do is cry, these people steal every email I make, they stole my main email account that I have had for over 15 yrs now, it had all my accounts in it. They have used most every account I have. I dont know what else to do, I did file police reports when it first happened and its someone local to me doing this. They have copies of my id birth certificate etc, because there were copies in my emails to certain people when I had my XXXX email account. That account is XXXX. Im not able to get ahold on any of my accounts with the three major credit bureaus. I have made an email account its XXXX, Im not sure how long it will last but as of now I think its secure. I was also in the XXXX data breach with Equifax and Im just now learning of it because the thiefs got my notification letter about it, not me. Im certain they have filed a claim, well I know they did I saw the email about it. And Im the one going through XXXX because of it. I dont even have a debit card Because my bank says Im high risk because so much money has been stolen from my account. I cant even have online banking. Its a lot that I am going through, no one wants to listen to me this was my last resort. My phone number is XXXX. Please help me, please XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

on XX/XX/XXXX I saw on my credit report that there where a variety of no inquires that i didnt authorize at all and i want them removed
Consumer complaint received 2021-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In XXXX of XXXX  I disputed public records on my account containing Bankruptcy. The investigation verified the information as accurate. On several dates including via recorded phone calls on XXXX this Consumer was denied the source that provided the information furnished on my report. THIS is a direct violation of my consumer protection right to know the source. This Consumer has submitted documentation from several sources including the XXXX XXXX XXXX  XXXX in question, in addition I have submitted documentation from XXXX. Transunion did an incomplete investigation. XXXX also file a manual dispute with Transunion on my behalf that Transunion refuses to respond to.
Consumer complaint received 2021-12-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

When I disputed multiple accounts with Experian, they claim they verified the information and said it was valid. They verify innacurate addresses and other information based upon the innacurate information being reported from accounts that shouldn't be on the credit file to begin with. Then say since the address is on the credit file, the account is validated. I have sent in my ID numerous times along with years of utility bills, and social security card. Still, they refuse to properly verify information. They take a creditors word over mine, but a creditor can not show them any ID or signed documents to verify me, but yet I can provide identification. when I go back a 2nd time after reviewing more information on the accounts, I try to dispute them for missing balances, or innacurate dates, innacurate addresses. They refuse to reinvestigate and tell me I have to supply more documentation. I have personally contacted these accounts and some won't even give out information, and some aren't even in business. A couple are supposedly medical bills that refuses to verify information because of HIPAA. So exactly how is Experian verifying the false innacurate information they have? I've even had a guy on the phone at Experian telling me that is does no good to remove a false innacurate address, because if an account reports it, they will put it back on the credit file. I have an account on my credit file reporting a different balance multiple times a week just so they can flag my account. The balance is {$1200.00}, then it goes to {$1200.00}, then it goes to {$1200.00}, then it goes to {$1200.00}. Over and over and over. But yet Experian allows this and won't let me dispute an innacurate balance, and the account isn't even mine. It took me months to get them to remove other socials, other names, and even businesses they claimed I owned that were half way across the country. I'm sick of Experian!! Somebody please do something with these XXXX..
Consumer complaint received 2021-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I submitted a dispute regarding an unknown XXXX XXXX account listed on my credit report with a balance of about {$4000.00}. I sent follow up letter 's to the credit bureaus on XX/XX/XXXX after information came back verified. No response to how it was verified. I received notice from XXXX XXXX on XX/XX/XXXX that they were unable to locate any account information based on the information I provided, which was the account information they are reporting. I sent the letter received from XXXX XXXX to all three bureaus on XX/XX/XXXX and XX/XX/XXXX. I've file disputes electronically with support docs and called. Still, they continue to report this inaccurate information. This has caused me great financial hardship in higher interest rates for vehicles and I'm unable to get bonded at a decent rate due to this error. I'm not sure what else to do. This account is not mine I contacted the company and even my ex-spouse to see if he got this card in my name. He said he didn't and XXXX XXXX can't find it. Please help
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I think someone used a card skimmer. I filed a compliant and the bank said the charges were authorized by me which they weren't someone literally used my card to by them. When I first filed a complaint the XX/XX/XXXX charges weren't there but now they are. I will be filing another complaint soon. 

XXXX are known as fraudulent charges so I don't know why it was said I authorized them. 

XX/XX/XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX # XXXX WITHDRWL XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-15
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. (MA)

DEAR XXXX XXXX XXXX & ALL CRA 'S ; I've attempted several times to ratify the issue with the XXXX XXXX XXXX and credit bureaus and they still reporting inaccurate, unverifiable information and misleading. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid - How is that even possible? If you see the attachments you will notice that the account status was never updated, inconsistent with payment history and they've failed to provide detailed information about this account such as transaction history to see the breakdown of the payment and how it was applied. What is the 1st dates of delinquency ; why didn't dates of last active. Well, it's impossible that thi account can be justified as accurate or even verifiable under the consumer laws especially section 609. SORRY FOR SO MANY INACCURACIES, INCONSISTENCIES, MISLEADING AND INCOMPLETE INFORMATION AND DATAA.
Consumer complaint received 2022-08-15
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 would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC. (HI)

First off, let me say that Ally has been very accommodating in not taking any action against me while I've tried to work things out with them. 

The reason for the complaint is because Ally is not yet participating in the HAF program in Hawaii, and while it is voluntary on their part, there is no downside to their participation. The Treasury Departments Homeowner 's section regarding the HAF program provided a link to complain if you've been awarded a HAF Grant but your lender is not participating. 

Many months ago I was approved for a HAF grant in Hawaii, but as noted Ally ( and their servicer Ally/XXXX ) are still not participating in the HAF program in Hawaii. Fortunately, they have not turned down participating, but it would help me immensely personally, and I am sure it would help many others if they could make the decision to now participate. 

In speaking with their ( very friendly ) customer service representatives, I can tell you that there has been confusion on how the HAF program works in Hawaii. I've wondered if this may be part of the reason for the delay. 

They've told me things like the grant would have to be repaid ( which is not the case in Hawaii ), that Hawaii would put a lien on my property ( again, not the case ) and they said that I could not be in a Loss Mitigation process and also utilize a HAF grant ( which, from my reading of the HAF term sheet for Hawaii is the opposite of how the program is supposed to work ). 

At this point, I went through a Loss Mitigation process with Ally and was ultimately turned down ( after months and months of submitting and resubmitting the same documentation ). 

I am looking to refinance my home through a private lender. While not ideal, especially under the current interest rates, it may be my best option for addressing my arrears. If Ally were to participate in the HAF program now, I could reduce my principal and make the amount I borrow less costly to me. 

Since HAF is a voluntary process, issuing a complaint seems out of place, but I am following the process offered and perhaps this is all just due to a mistake of not understanding how the program works in my state.
Consumer complaint received 2022-06-22
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. (FL)

I asked the credit bureaus to do an investigation of everything on my credit report and they did The investigation and stated everything on the report was accurate I also did an thorough investigation myself and found Improper in accuracies Even after they did their report In coordinates with the fair credit report acting XXXX account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 States also state a customer consumer agency can not furnish A report without my written Instructions
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc (MI)

Flexshopper has been calling me for over a year. I have already filed a XXXX  complaint and gave them the FTC identity theft documents and demanded they no longer contact me. 

they call me an upwards of 5-10 times a day with different caller id 's, I block the number and somehow they get through the block. 

their reply to the XXXX was " it was delivered so she's responsible '' I have NEVER ordered anything from this company, apparently they shipped out some exercise stuff without signature or id verification and some how that's my fault? 

I don't know who they are, or what they are. 

it has gotten to the point where I just make animal sounds into the phone when they call, as they obviously have no idea what DO NOT CALL means and ITS NOT MY ACCOUNT. 

my next step after the CFPB is to sue, for XXXX per FDCPA violation, and since i have LOGGED 500+ calls from them. 

I've added phone logs, because they told the XXXX  they only call once a day and don't use other caller ids to get through.