davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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 XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX 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 2023-04-01
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)

My name is 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 2022-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I have sent numerous documents to Equifax, XXXX, and XXXX 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 2023-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (SC)

On XX/XX/XXXX an individual accessed my mobile phone and banking apps and made two unauthorized transactions from my bank to cash app totalling {$230.00} then my cash app account to hers. I notified cash app immediately upon discovery which was within a couple hours to report this so they could reverse the transactions however they did nothing. Summarily they claimed to launch an investigation and in less than 48 hours determined no error occurred with no valid explanation or any coherent proof of any investigation conducted into the matter.
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have sent numerous documents to XXXX, Experian, and XXXX 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 2019-07-13
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. (CA)

Two creditors agreed to remove erroneous negative information from my credit report. 
They both sent me deletions letters last year as well as sending XXXX  an update request. 

Your company failed to update those accounts and in addition, when I recently disputed the accounts and provided the brueau with the deletion letters, but they came back and responded in 4 days time that the account was verified. 
I just called both furnishers who assure me that the bureaus never tried to verify the information from them.
Consumer complaint received 2023-04-01
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. (CO)

In accordance with the fair credit reporting act 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
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 2022-08-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I called Capital One ( my credit card company ), on XX/XX/2022 to change my legal name after I had gotten married. I spoke with someone named XXXX on the phone, who told me that they could do that and that they would send me a link through email to upload paperwork including IRS tax form W-9 and A copy of my marriage certificate. The email that I got came from the same email that I always got from Capital One. And it appeared to have a secure link attached to it. The link would expire in three days time. I uploaded the documents that same evening. And thought all is well. When I called Capital One about two weeks later, they said that they do not ask for that information through email, nor had they received any of the paperwork that I supposedly sent to them. The information had my name address and Social Security number. It also has my husband Social Security number. And both of our parents names.
Consumer complaint received 2018-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AR)

I am in the loss mitigation process. i had paperwork that was due XX/XX/XXXX i faxed my profit loss form XX/XX/XXXX by XXXX XXXX after faxing my document I even emailed my mortgage counselor. I had everything I needed written on the document even the receipt of the fax. My mortgage counselor called XX/XX/XXXX and said that I was denied for the program due to not faxing the profit loss form that I actually faxed. I asked her even though I have my receipt and wrote everything on there and she said How do I know you didn't just write the loan number on there. When I heard that it crossed my mind to XXXX XXXX XXXX XXXX because I knew that if I was denied out of the program at any day they could come and tell my children and I to leave. Fortunately im guided by XXXX. 
This is the third time this bank has made a major mistake like this and the fault has fallen on me. This company either needs to change policies, enforce rules or find employees who can perform the job. These people have important positions with important tasks that involve other human lives. They need to take their job or company more serious. 
Nine years ago they paid my insurance twice and at one time my mortgage had went up to XXXX but started at XXXX because of escrow shortage, and then threw me in a government program. Then in XX/XX/XXXX they set me up a payment arrangement where I had to pay a down payment of XXXX and then follow up payments. We set up an automatic payment through my account and he had such a hard time getting it done. And when they told me it wasn't paid on the correct day i was terminated from the arrangement they also told me automatic payment had not been set up. Their employees are making huge mistakes with even bigger consequences and its nothing to no one. Im starting to think this is how its suppose to be. The banks make a complete fool out of their customers and the system allows it. They are the system. 
How are they allowed to keep doing this. Are they just trying to take my home? 
I really need them to accept my paperwork and get this process over with because of this bank I am mentally drained, and in a depressive state everyday. 
Buying a home cash should be the American Dream anything else is setting yourself up for failure and a nightmare, but the companies are set up to win ... ... ..well duuuh but you shouldn't be allowed to do wrong
Consumer complaint received 2023-04-01
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. (FL)

My name is XXXX 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.
Consumer complaint received 2022-04-29
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX amount of {$9500.00} 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX of {$80.00}, XXXX XXXX XXXX, Account # XXXX, amount of {$1100.00}, XXXX XXXX. XXXXXXXX XXXX  XXXX, Account # XXXX, Amont of {$380.00}, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Experian needs to Remove this account from my Credit Report XXXX/XXXX  ( Account XXXX ) Not only did this account have fraudulent charges me not knowing the law at that time paid the account in full to the company that owns the account now which is XXXX XXXX XXXX. 

I have sent in my FTC identity theft report with my Identification to Experian I have been dealing with this for over 6 months this is my last time before I go to small claims court and seek damages if this account is not removed from my Experian report immediately I have contacted XXXX/XXXX  and they send the same computerize generic letter saying they dont own the account but yet theyre reporting it to Experian which in itself is a FCRA violation.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance : {$5400.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX-Balance : {$550.00} - Date Opened : XX/XX/XXXX
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I did not authorize the following companies to run my credit. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-09-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I applied for refinance through my current lender, Freedom Mortgage, the first week of XXXX, 2019. I was told we could do a streamline refinance on our FHA loan and also remove our co-borrowers at the same time, as long as our credit scores qualified. They pulled our credit and gave a pre-approval based on credit scores and check stubs. After a few weeks they finally got the title cleared with the co-borrowers removed. Several different people ( at least 6 ) from  XXXX have dealt with my file since I started this in XXXX. Some of those people asked me for the same documents that I had already sent to someone else. I would go several days without hearing anything and then call for an update and they would ask me for more information. Last week, they had me still conditionally approved based on some explanations they needed for my credit report and verification of income. I sent them the explanations and they verified income and sent back to underwriting. Then, this morning, I get an email saying my file was denied due to " obligations in excess of income ''. No phone calls, no more explanations. I have tried several times to reach my loan officer and his manager, left voicemails and emails and have not been able to speak with either of them all day. I don't see how I was conditionally approved and then, all of a sudden, after two and half months, they deny my refinance based on debt/income ratio. They had my credit and income information from the very beginning. If there was a problem with debt to income, why would they have conditionally approved it to begin with? They had me sign 3 different loan estimates throughout the process as well. I have attached screenshots of some of the emails throughout the process with names and dates/times shown.
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (OR)

Sent first dispute on XX/XX/2021 to remove unverified accounts ; got back a credit report with no information. Sent second dispute on XX/XX/2021 as a second attempt to remove unverified accounts ; got back a credit report that says " verified ''. I also had an unauthorized inquiry and I sent that for dispute and have not gotten it removed. Sent a third dispute letter to send how they verified their information on XX/XX/2021 and have not got back anything within those 45 days. Sent a second attempt and nothing. on XX/XX/2021 I sent a letter to remove accounts which they could not have method of verification and have no response nor removal. I will file a complain with FCRA, FTC and the AG of the state to have this removed and will file suit as well for non response and no removal. I've attached the dates the letters were sent out.
Consumer complaint received 2020-09-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (FL)

XXXX XXXX in XXXX XXXX, Florida, were hired by my Realtor XXXX XXXX XXXX XXXX  Fl. to inspect the premises located at XXXX XXXX XXXX, XXXX, Florida. XXXX. Approximately {$450.00} was paid to really check the property over for major flaws. The inspector told me that everything on his hot items list were repaired as requested. This proved to be untrue. I specifically asked him did he do the work and he said yes. Unfortunately for me ; possibly XXXX and the owner may have have fabricated on the disclosures. I emailed XXXX Management  and complained very cleanly. They ( XXXX ) turned the narrative around and made me the culprit and they are not seeking to settle. As of date I have spent a little over {$6000.00} in labor and materials. I also had to call XXXX XXXX XXXX for lab Tests such as swabbing, air sampling, and advisement from XXXX XXXX on how to purify the mold damage. I find it difficult to believe that the owner XXXX XXXX located in XXXX, Ohio, address is XXXX XXXX XXXX. I find it really hard to believe he was not aware of the mold because he sure had the fresh paint inside and out. He left hazardous materials such as paints in the garage, I thought nothing of it. I have two contractors that say different. What was most disturbing is that I was selling my home to purchase this home above and I disclosed honestly and even paid extra money to buyers just for minor repairs. I am waiting on another contractor to to dispel anything they claim as repaired. How they just put some type of debris and never fixed the adobe roofing. Sincere Thanks.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I received an alert from my Credit Monitoring Service that said I had a change. When I looked it up it was XXXX XXXX. I went online and looked at my account at XXXX XXXX credit account ( which is a credit card for XXXXXXXX XXXX XXXXXXXX Warehouses and good at Walmart also ). It showed my credit account was closed due to inactivity. I have had this account since XX/XX/2002. I called XXXX XXXX and went up the chain of command on this and I got the same response each time from 3 different people. I was told it was closed due to inactivity. ( I probably have not used it to charge anything in a year or so. ) However, I received NO notice that it would be closed. They acknowledged that they do not send out such a notice!! I find that ridiculous! I had no balance on this account and I always paid off my balance every month. My credit is very good. I am angry that I received no notice that they would do this. Their response was that it was in the terms of agreement when I opened the account ( XX/XX/2002 ). This is very poor business practice and unfair to the consumer. Closing my credit account hurts my credit score unfairly! Their response was that I could reapply for the credit account ( which would again hurt my credit score to open another account ) ... so double hit to my credit! They stated they could not reopen the account they closed.
Consumer complaint received 2022-07-12
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. (NY)

I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX* Balance : {$200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXXXXXX Balance XXXX {$200.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX Balance : {$0.00} "