davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDYK MORTGAGE CORPORATION (GA)

Promised Credit Revoked XXXX XXXX, who is my lender with Van Dyke, had initially told me that he would give me a {$1400.00} credit to earn my business. I received a {$430.00} credit and when I pointed this out, he said each deal is different and he was not able to give me the credit on the new contract. 
The house prior ( which fell thru ) was $ XXXX compared to the contact on the next house that cost $ XXXX. 
I feel like he knew I was not shopping around for the best deal any longer so he didnt have to give me the promised credit.

Application Expiration by Van Dyke After forwarding the contract on the new home purchase, my lender ( XXXX XXXX ) proceeded to lock in the interest rate. He then told me that my application had expired and he could not lock in the rate because he would have to run my credit. XXXX knew I kept a credit freeze on my accounts and that it takes time to lift a freeze. XXXX said he was leaving for the day and he would have to handle that evening. I contacted XXXX that evening because my credit had not been accessed. He said it was still frozen, to which I sent him the confirmation lift ; the freeze had been lifted for hours. He then proceeded to run my credit. According to XXXX the market had two increases that day and I was charged {$3000.00} in points due to this mistake of Van Dyke which was {$620.00} more than the previous quote of {$2300.00} in points. I contend that it was the companies responsibility to monitor my credit application status with their company and I should not have been charged more because they mishandled my application. 


XXXX XXXX, who is my lender with Van Dyke, had initially told me that he would give me a {$1400.00} credit to earn my business. I received a {$430.00} credit and when I pointed this out, he said each deal is different and he was not able to give me the credit on the new contract. 
The house prior ( which fell thru ) was $ XXXX compared to the contact on the next house that cost $ XXXX. 
I feel like he knew I was not shopping around for the best deal any longer so he didnt have to give me the promised credit.
Consumer complaint received 2024-09-23
Product: Credit reporting 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. (VA)

TRANSUNION is obligated by the FCRA to report accurate accounting, consumer has advised ALL inquires report was fraud, said company had XXXX days according to LAW to remove such items. 

TRANSUNION has XXXX  days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an e-Oscar report. If TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. 

TRANSUNION Commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX as Representatives of the several Underwriters c/o XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX I will be filing form XXXX XXXX forms to audit consumers account. 

TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE not CONSUMER REPORT.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report shows XXXX XXXX Potentially Negative Date Opened XX/XX/XXXX Balance {$41000.00} Status Account charged off. {$47000.00} written off. {$41000.00} past due as of XX/XX/XXXX. 
Do you see information you believe to be inaccurate? 

This is incorrect, this credit card belongs to an LLC and not me personally and should not appear on my credit report.
Consumer complaint received 2022-06-06
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. (NY)

In accordance with the Fair Credit Reporting act XXXX, these agencies 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. 
XXXX violations : Closed account, XXXX XXXX # XXXX Dept Edu. has 2 accounts with no knowledge I am not in school. Account # XXXX 2 Accounts from XXXX are closed. Not sure how 2 accounts were opened like that. # XXXX and XXXX Hard inquires XX/XX/XXXX and XXXX XXXX closed accounts : XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX #XX/XX/XXXX : Dept. edu. 2 accounts again- # XXXX and XXXX INQUIRES : XXXX and XX/XX/XXXX??? XXXX XXXX. 

Experian Closed accounts : XX/XX/XXXX XXXX, XXXX XXXX with 2 accounts and XX/XX/XXXXPlease remove all closed accounts these are privacy violations and I have asked several times for their removal and only more things appeared on the account to affect the score and have to dispute errors that don't belong.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA closed dispute on XXXX and failed to update system, not allowing account to close and allowed my abuser to have access to the accounts even with a copy of the domestic violence order. They failed to remove me from his account, with my signature and had a copy of his poa and called him several times. They were made aware, he used my cards, and then failed to pay for bills. Making accounts negative and holding me liable. These practices resulted in USAAs failure to adequately address the unauthorized or incorrect transactions, as is required by law. They also detached our auto insurance and didnt notify me that the service member did so because we are separated but legally still married. They were aware he was take. XXXX and did nothing to prevent it. They also called my abuser several times which put me in jeopardy of my order of no contact because they contacted him when no one can call on my behalf.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING. I HAVE RIGHTS UNDER 15 USC 1681. EXPERIAN AND XXXX ARE GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE : ACCORDING TO 15 USC 1681 : I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE EXPERIAN or XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS LISTED : XXXX XX/XX/24 XXXX XXXX  XX/XX/24 XXXX  XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX XXXX  XX/XX/
Consumer complaint received 2022-10-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (OH)

I have a solar system that has not been working properly ever since I got it back in 2021 For months it has been completely down and not working at all And to find out that PowerHome/Pink energy is now out of business closed their doors and is filling bankruptcy!! 
The CEO of the installer has mentioned many times that our systems are defective and need recalled. 
GoodLeap aka XXXX is still insisting we make our loan payment even when they know our system is completely down and not working at all!! I have opened an escrow account and will place all payments in that until this is all sorted out!! Please help my husband retired and were struggling because all of this mess Thank you so much GoodLeap does not care about trying to help they just want money Ive included the amount of my electric bills you can see how it goes up and down for the solar system working and the. Not working ever since we got the system in 2021 This is not saving us at all!! I dont want this to affect my credit or my husbands
Consumer complaint received 2022-12-13
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. (NV)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX, Santander charged a " Monthly Fee '' from XXXX to XXXX for a total of {$30.00} to my checking account. I called Santander on XXXX to dispute this charge because it's never happened before. I spoke to a representative that said they could do a " courtesy '' by waiving this fee but stated the reason was because I was required to hold a total of a {$20000.00} balance in order to avoid the fee. Considering I had a " {$0.00} '' balance since my last HELOC was satisfied in XXXX, a recurring monthly fee of {$30.00} was never charged to my account. I asked the representative if the criteria changed w/my checking account without me knowing. She said it did not, but proceeded to tell me the {$20000.00} requirement. She failed to answer my logical question on what happened for the past 5 years prior to using it again to pay on a PSL, and the fee was NEVER deducted. She said nothing changed, agreed to waive the {$30.00}, but then said, " now you have been informed of the requirement of holding a {$20000.00} balance to avoid future fees, {$30.00} will be the monthly fee ''. This is an outright UDAAP, and I told her so. This is EXTREMELY deceptive, and makes absolutely no sense, nor did the lack of assistance from the CSR I was dealing with. While she said she understood what I was asking, she continued to say nothing changed with my account ( if nothing changed, why was I never charged this fee before ), and " NOW THAT I KNOW THAT $ XXXX is required, as long as I don't hold that level of balance, I WILL BE CHARGED a $ 30 monthly fee ''. This is the comment that influenced this complaint submission.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (MI)

I went to the car dealership I said I wanted to apply for a car and they said they were only going to do one inquiry and ended up being way more the one inquiry. 

XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/XXXXL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau claiming they believe the disputes are from a third party, which is not true. I even called to confirm my identity, yet they still refused to process my disputes. I wasted money on mailing my disputes and sent personal information to verify my identity, only for them not to conduct a thorough investigation.
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fro any purpose.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I have made payments on my credit card on the payment due date and recently found out that I have been charged late fees for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I spoke with a representative on the phone. I had a summary and confirmation of payment showing that payments were made by me on the due date of every month ( the XXXX ). 2 of them were approved. 4 of them were submitted for approval to be credited back and they were declined.
Consumer complaint received 2022-05-27
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 an account without my written instructions
Consumer complaint received 2024-09-23
Product: Credit reporting 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)

I am REWRITING to TRANSUNION to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under XXXX XXXX XXXX, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

PayPal did not disclose that a peer-to-peer payment would take more than 6 business days. Website gave a timeline for fund availability of XX/XX/XXXX. It is not available and they now claim, it could take up until XX/XX/XXXX. Funds have already been deducted from linked checking account and PayPal is unnecessarily holding the funds and not releasing it to the recipient. 

Transaction ID : XXXX Spoke with a customer service rep and supervisor and no acceptable resolution was offered.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the following accounts do not belong to me : 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 not received goods or services from these companies and I have provided my police reports, my FTC Identity theft report, Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

In early XXXX I registered for a XXXX XXXX XXXX XXXX card In XX/XX/XXXX, I try and use this card ( as I had a habit of doing ) and it didn't work. I initially believed this to be my card being at its limit, but after investigating it, I realize that the card had been deleted, with no notice to me. Eventually, I am able to get XXXX to resolve the issue. 
Since that date, the card has not shown up on my XXXX and Equifax credit reports. 
On XX/XX/XXXX, I did the following : I called XXXX about it, they told me it wasn't their fault and to call XXXX. 
I called XXXX, they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. 
I called XXXX, told them XXXX said to call them, and they escalate me to one of their credit specialists. They tell me that the reason my card was deleted was because a credit agency told them it was fraud ( this is the first I was told the reason the card was deleted, despite me asking XXXX back when I got them to re-open it, at that time they told me they couldn't say why. ) and that the card was marked as deleted at XXXX and Equifax, and that it was permanent unless I could get them to do a " Re-insertion '', they told me to call XXXX again. 
I called XXXX, telling them what XXXX told me, and they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. I stressed to them that it's not XXXX 's fault, and asked to speak to a supervisor, but they refused and told me to call XXXX. 
I called XXXX, told them what XXXX said ( which is, not much ), and they said there's nothing they can do, it has to be solved by XXXX. 

At this point, there's nothing to do but file a CFPB complaint, these companies will only ping-pong me endlessly.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I checked my Experian credit report this morning, it stated that I had XXXX more account attached to XXXX, of all different totals, but adding up to my original and CORRECT student loan balance of {$17000.00}. It has caused my credit score to decrease and I am very upset. XXXX and XXXX are showing my correct credit report of only XXXX XXXX  loans, XXXX  is showing that I also owe a balance of {$17000.00} which is correct and studentaid.gov is also showing the same total. I need this resolved as soon as possible. Experian definitely is having issues.