davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (CA)

We started our conversation with XXXX XXXX XXXX XXXX  ; we received a pre-approval and were working on finding a home. After we found our new home, XXXX XXXX wanted to have a telephone conversation informing me our interest rate is XXXX, not locking in the rate, and we will have to buy points totaling an out-of-pocket cost of over {$15000.00}, and as our loan progressed that number increased to over {$18000.00}. In our phone conversation, I told XXXX XXXX what Veteran 's United is doing is Predatory Lending ; of course, XXXX XXXX disagreed. Once I realized how much Veteran 's United ( XXXX XXXX XXXX was going to be charging, I searched for other VA Home Loan Lenders and found another lender with a higher pre-approval, a lower interest rate, and lower points cost. I informed XXXX XXXX on XXXX that we are moving forward with another lender. XXXX XXXX said they've gone pretty far into this loan and wanted me to share our newest loan estimate to see if XXXXVeteran 's United could match it or do better. My response was very clear, saying we allowed Veteran 's United to give us your best rate, and now, after we've found a cheaper loan package, she wanted to negotiate. I included we are steadfast in our decision and will not be moving forward with Veteran 's United. Around this time, XXXX XXXX had ordered the VA Home Loan Appraisal ; I was charged {$700.00} for the Appraisal. Yesterday, our new lender emailed XXXX XXXX asking for the Appraisal to be transferred to my new lender without a response. Today, Tuesday, XXXX, my new lender asked XXXX XXXXy for the Appraisal twice. Today, XXXX XXXX finally responded to our new lenders, saying the VA Home Appraiser only conducted a Partial Appraisal, and Veteran 's United was charged {$170.00}. It wasn't until today that XXXX XXXX processed a refund of {$520.00}, but she claims she processed the refund yesterday, XXXX - not what our records show. 

Further, it wasn't until I asked pointed questions about the Appraisal cancelation that XXXX XXXX admitted that she did cancel the Appraisal when I first informed her we were going with a different lender. However, that was not the case ; it was only yesterday, when our new lenders began asking for the Appraisal to be transferred did XXXX XXXX cancel the Appraisal. This evening, I sent an email to XXXX XXXX, asking for the Appraisal Report for the " Partial Work '' that had been done, also stating we should receive a full refund of {$700.00} if XXXX XXXX/Veteran 's United can not produce a Partial Appraisal Report for the " Partial Work. '' As a 100 % Total and XXXX XXXX XXXX XXXXhe behavior exhibited by XXXX XXXX, representing Veteran 's United, is grossly shameful.
Consumer complaint received 2023-01-04
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)

" 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 number ending in : XXXXXXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ''
Consumer complaint received 2022-09-27
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. (UT)

1 ) the attached letter was a minor request at improving my credit. It may not affect my scores because it doesn't now. All I asked was since they are falling off relatively soon if they could be removed sooner, as they neither help nor hurt my credit. I got a blah response from XXXX  which didn't say much but they put on my report that I'm disputing the item which I'm not! I just asked to have them removed early as they're due to drop off soon anyway. They need to learn how to read and listen. They're terrible at both! 

2 ) XXXX  # XXXX- the limit on this account is incorrect. It was set at {$2200.00}. However with it showing the opposite with it appearing that I went over a preconceived limit that never existed, it looks like I was irresponsible and over spent! I did not. I was in a huge fight with XXXX  over a bad principal only purchase program they put in place that was terrible, neither they nor XXXX knew how it worked. They charged off the account, charged me a lot of unnecessary fees for things I shouldn't have been when they were pretty much paid off. They never correctly applied my payments either. This needs to be corrected now.
Consumer complaint received 2023-01-04
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$110.00}
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: John C. Heath, Attorney at Law, PLLC (MI)

I have tried to talk to the XXXX people which are called the Lexington law firm. I have paid off my account of {$130.00}. And the same with XXXX  it is not showing that I paid it. The same with my XXXX account on my XXXX account I have paid XXXX and it it suppose to be taken off? Just when I paid my XXXX XXXX XXXX account it is off all my credit bureaus. 
Why is it so hard for these people to take off bills that we paid off? We try our hardest to get these off our credit, but your credit people want to linger on n keep them on there. This is no dang fair. And Lexington law charges you {$59.00}?? To help you close acvounts they take more money then getting our accounts closed. More money XXXX less accounts are closed. Charge extra for them in their pockets.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have tried to talk to the Transunion people which are called the XXXX XXXX XXXX. I have paid off my account of {$130.00}. And the same with XXXX  it is not showing that I paid it. The same with my XXXX account on my Transunion account I have paid XXXX and it it suppose to be taken off? Just when I paid my XXXX XXXX XXXX account it is off all my credit bureaus. 
Why is it so hard for these people to take off bills that we paid off? We try our hardest to get these off our credit, but your credit people want to linger on n keep them on there. This is no dang fair. And XXXX XXXX  charges you {$59.00}?? To help you close acvounts they take more money then getting our accounts closed. More money n less accounts are closed. Charge extra for them in their pockets.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

I've been a chase bank user for all of my adult life and having a job where I had to take money to the bank, I had a high opinion of chase. 

On XX/XX/XXXX I received an email saying a wire had been sent for XXXX $ then I saw two more wires. The funds had been taken from my savings and moved to checking before being wired from chase through the XXXX XXXX XXXX XXXX and to a XXXX bank. The total was around XXXX XXXX 

I went to my computer to see what had happened. And then seeing the wires I called their hotline and had my online access frozen. They said they would investigate and I then decided to go to a physical location. So I drove to the XXXX In location and talked with them. They helped create a new account, password and lock down everything. But I also begged them for help stopping the wire itself. They said it would be OK and they were requesting a swift cancelation. That in XXXX to XXXX days my money would be back. 

A few days later and I was told my case was denied because I might have benefited and no word if the transfer could be stopped. Since then I asked for help on the secure messages and called several times, but I am told unless I have some new evidence they won't reexamine my case. On my end I can't see the ipaddress or device logged in. 

I only know days before they enabled wire transfers. There's nothing I can see or do to investigate and I feel I am being told I am trying to scam chase out of my own money. 

Please help if there's other places I can file or send for aid. XXXX was half of all my money saving and all. I just don't want me and my girlfriends work thrown out.
Consumer complaint received 2022-09-21
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. (CA)

On XXXX I sent experian a certified letter asking them to validate a collection on my report from fair collection and out sourcing. I asked them to prove this is my account with a signed contract. I also ask them to send me what they used to verify and validate this is my account. This account is not on XXXX  or XXXX. I have contacted experian for the last 5 years to send me proof and validation that this is my account and they never do. All they say is its verified without providing the resources I request.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I applied for a premier checking account with HSBC on XX/XX/2022, and the account was approved the next business day XX/XX/2022. The terms of the agreement were a bonus amount of {$450.00} when I make a direct deposit from my paycheck/salary of {$5000.00} or more each month for 3 consecutive months. I did fulfill the terms of agreement for XXXX, XXXX, and XXXX, and when I reached out to the bank on their fulfilment of the bonus, they have been posting me now for the past 2 months. Every time I call, the representative will confirm that I met the terms and say the payment will be made on a future date and they never did. The last time I called, about 2 weeks ago, I was told the payment will be made on or before XX/XX/2022. We are past that date now and the bonus amount is yet to be credited to my account. I feel disrespected and deceived by this Bank and decided to file this complaint against them for the way I am been treated and their refusal to fulfil their own terms and conditions. I am deeply disappointed with HSBC.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kimball, Tirey & St. John LLP (CA)

First of all, this happen in 2015, and the attorney is uncredited. Secondly he is trying garnishing my only income that I work for my son as a XXXX XXXX XXXX. Thirdly I went to court on it and was unable to contact them by XXXX, so the court granted him whatever he asking for the complex that he is claiming more money than was ask.
Consumer complaint received 2023-01-23
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)

After actively monitoring my consumer report, I noticed multiple inaccuracies are being reported regarding my XXXX account ( Account # XXXX ). The inaccurate information on my consumer report is proof that a proper investigation has not been conducted by the Data Furnisher to the Credit Reporting Agencies. I'm simply asking XXXX to remove it from my credit report. 
These discrepancies amongst the credit reporting agencies have caused enough damage to my personal and financial reputation. I have provided a list below of all inaccuracies reporting on my consumer report, which further proves that XXXX has had blatant disregard for the laws according to the FCRA & FDCPA. 
Also, I have found the information being reported is not metro 2 compliant which is a reporting requirement listed by all three credit bureaus on each of their websites. Please view ALL of the documents attached. 

Account Name : XXXX XXXX Account # : XXXX Dispute # 1 XXXX XXXX as the furnisher of information is not registered as a telecommunication company not a collection agency in the state of XXXX. Therefore, XXXX XXXX should not be reporting a collection account on my consumer report. 

Dispute # 2 XXXX XXXX has verified with the CRAs that {$820.00} is past due. In order for an account to be reported as past due a payment must be due. The payment history does not reflect any scheduled payment amount for this account. XXXX XXXX may report a balance but a past due amount is invalid reporting and improper use of my credit report. 

Dispute # 3 The Term is being reported as 1 Month. Was this account opened on XX/XX/ as a Collection account or a Cell Phone account? I would like to request the 1 month Term contract/ signed agreement. 

Dispute # 4 The account reports as an Open/Installment account that was opened on XXXX  but has reported no positive payment history. Which is a reporting requirement by the Credit Reporting Agencies. Data furnishers must report both positive and negative information monthly. XXXX XXXX has reported ONLY negative payment history regarding this account. 

Dispute # 5 This account is reporting monthly payment history on a closed account!
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2022-10-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I filed a dispute with Transunion about XXXX student loan reporting delinquencies that were over XXXX  years old. Since XXXX, XXXX has reported my delinquent payment 90 days late from XX/XX/XXXX to XX/XX/XXXX. When the XXXX yrs approached, the delinquent reporting started to fall off one month at a time, instead of all reporting at once that were connected to my date of first delinquency. I disputed my report for not having the date of first delinquency which would show it was XXXX yrs old and lead to all late marks removed. On XX/XX/XXXX, Transunion notified me that the report was accurate based on the date of last activity verification from XXXX. I argued that XXXX had not answered my disput around completeness and accuracy for XXXX, which was now showing just XX/XX/XXXX and XXXX of XXXX. The removal of XXXX XXXX should have led to entire delinquent mark being removed. Transunion refused to act responsibly stating the could not correct it although I was correct because XXXX sent a response, albeit erroneous. I had to submit another dispute and wait another 30 days. In the meanwhile, they removed XX/XX/XXXX delinquent mark and kept the XX/XX/XXXX delinquent mark of over 120-140 days late!
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (CT)

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 Account # XXXX Account # XXXX Has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A Section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 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 or has reasonable cause to believe the the information is inaccurate
Consumer complaint received 2022-09-22
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. (AL)

in accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

I consolidated my student loans with MOHELA on XX/XX/2022. They paid XXXX XXXXXXXX and received my student loans on XX/XX/2022. XXXX, which completes the consolidation application for student loans for them, indicated that the consolidation was complete and transferred to MOHELA. I should have unlimited access to my account online by XX/XX/2022. 

I have tried multiple times to access my online account with no success. I have called MOHELA, only to hold on the phone for over 2 hours to get to a customer service representative who tells me that she can not access my account and they have no further information. 

I moved on XX/XX/2022, and I contacted MOHELA to update my contact information to receive future correspondence. I spoke with a supervisor after the customer service representative told me she could not update my address. She told me that she did not have access to update my address. So, I asked her if a supervisor could not update the address, then who could? 

I have been in the Public Loan Service Forgiveness Program for over ten years. I have made a total of 121 payments. The only reason I consolidated my student loans was to add my parent plus loans to my application for forgiveness. MOHELA is holding my student loans " XXXX '' to prevent many other borrowers and me from applying and receiving forgiveness. There are multiple complaints on social media sites against MOHELA about the tactics they are implementing to prevent borrowers from meeting that XX/XX/2022 deadline to receive the full benefits of the " waiver program. '' If I can not access my account, I can not upload my Employment Certification Forms which are critical in applying for Student Loan Forgiveness. As of XXXX minutes ago, the site is still indicating that I should have access on XX/XX/2022. Today is XX/XX/2022, so please make this make sense to me. She attachment of what I am seeing on their website below.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.