davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC (FL)

The loan approval process through Eagle Home Mortgage , LLC an affiliate of XXXX XXXX has been nothing short of a nightmare. The loan was issued with a cosigner. The amount of information that was being requested by the " underwriting '' process was above and beyond what was actually needed. The amount of information that was submitted to multiple loan officers with this company that was lost, not uploaded to underwriting, or requested in so many different forms that it has prolonged the actual loan approval for a closing that was dated XX/XX/18. The dates for closing have been changed so many times, up to the last issue we've encountered. We were set to close tomorrow XX/XX/18 and never sent a corrected closing disclosure until XXXX XXXX the evening before. ( XX/XX/18 ). Upon review it was noted that the insurance company/premium was incorrect. Looking back in emails the updated information was sent to loan officers on XX/XX/18 and XX/XX/18 that the insurance company had tried several times to contact with no success. Why on the eve before closing, in a closing disclose we are required to have 3 days before, is the insurance information not corrected when myself sent it to them ... this is the question we all have! Now due to their incompetence we yet again have another issue with the dated closing being not adhered to. The required by law closing disclosure has yet to be received at XXXX XXXX the evening before we are set to close. We have received NO final corrected closing docs, NO title company info, NO downpayment final number, and the loan officers are no longer taking our phone calls. Total incomplete and better yet I feel that my private information is being used against the final approval of this loan/mortgage. The last contact we've had with the loan officer led to a insult due to a job vacancy in the middle of this loan process and was handled in the most unprofessional manor.
Consumer complaint received 2023-04-21
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HONG LAN SERVICES, INC. (NY)

On XX/XX/2023 I was present at Hong Lan Money Transfer, Hong Lan Services , INC. located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX utilizing their international money transfer services. Total of XXXX $ was to be sent to my family overseas, with additional fee of XXXX XXXX The next day XX/XX/2023 the facility/store front was closed and under investigation. We tried contacting the headquarters Hong Lan Services , Inc. at XXXX XXXX XXXX, XXXX XXXX, XXXX, at XXXX. They were unable to help me and suggested that I make a complaint even though the NY, XXXX branch was part of their company.
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo N.A. has delayed the closing of my mortgage loan putting our {$20000.00} deposit in jeopardy constantly requesting conditions for which have already been provided multiple times. Their underwriter refuses to actually review the documentation provided but seeks to consistently return the file without resolution or completion of the conditions.
Consumer complaint received 2024-04-09
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. (NC)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-02-26
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. (NY)

Please report XXXX XXXX account information on credit report as it appears on the attachment as you have failed to do so I. Compliance with Federal Truth in Credit Reporting act and FTC law as explicit.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Earlier this fall I moved some debt into accounts offering a 0 % promo for a limited term. I noticed on my statements from 2 of the accounts in the same bank that I was being charged interest on the service fees of 19.99 % for one ( {$2.00} on {$150.00} ) and 16.99 % for the other ( {$3.00}. XXXX on {$230.00} ). 

I've made these type of debt moves to lower rate offers a lot over the years, and how it's typically worked is that the transaction service fee is : 1 ) paid in full on the first payment along with the 1st minimum payment, or 2 ) it is held in a separate area and any payments you make that exceed the minimum payment are applied first to the service fee and once that is aid off applied to the principal debt, or 3 ) the service fee is rolled into the amount of principal debt owed. 

I called the bank to find out how to pay off the transaction fee in order to avoid paying the interest on those. I was told, " You can't. '' It was explained to me that the service fee doesn't get paid off until the principal debt gets paid off. There is no viable option for the consumer to pay off the transaction fee prior to the debt being paid off. 

So ... in other words, the bank is holding the transaction fee XXXX and collecting a high rate interest on it for at least the full term of the 0 % promo. This sounds wholly unethical to me and I suspect it might even be against US / XXXX finance law. I've tried to discern the legalese surrounding these transaction fees and whether or not they can be subject to interest charges in the paragraphs in 1026.4 ( c ) but it doesn't seem to specifically address this situation. ( Possible loophole? ) My issues are threefold : 1 ) Is a bank legally allowed to hold a transaction fee XXXX from having any options to be paid off during the term ( s ) of the 0 % promo and beyond?

2 ) There is so much missing information around this. There is no disclosure by the bank about this and my understanding is that anything involving interest rates being applied to funds owed must be disclosed. Plus, unlike other banks, on the statements they do not disclose the 0 % promo end dates, which is inconvenient and ushers in the likelihood that the consumer will lose track of that and end up making at least one payment under the expired promo with the higher interest rate.

3 ) Is it even allowable to charge interest on transaction fees and treat them the same as though they were a credit card purchase? 

I contact the NYS Attorney Generals office by email, and was told to file a formal complaint with them. I did that, and got a response back saying they've sent the complaint to the bank, but advising me to also file a complaint at the federal level as the bank in question is a federally charted financial institution. 

I called, and the representative could find no information about this particular situation and advised me I could file the complaint here on the website.
Consumer complaint received 2023-05-17
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX XXXX XXXX  Balance : {$7100.00}
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX did not send verification letter with my signature showing that I authorized XXXX XXXX to open an account in my name. XXXX XXXX. I have requested this letter 3 times.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MD)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-09
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 am writing to dispute the accuracy of the information regarding XXXX XXXX XXXX [ Account Number : XXXX ] on my TransUnion consumer report and requesting its removal. Despite my request for documented proof of any late payments associated with this account, TransUnion has failed to provide satisfactory evidence. Furthermore, the inconsistency in the last activity reported date across the major credit bureaus raises significant doubts about the accuracy of this information. 

I urge TransUnion to thoroughly investigate these discrepancies and provide verifiable documentation of any late payments associated with this account. Should the inaccuracies persist and can not be resolved, I request that the account be removed entirely from my credit report. 

The inaccurate reporting of this account has detrimental affects on my credit score and financial well-being, potentially impacting my ability to obtain credit. Therefore, I expect a prompt and thorough investigation into this matter, with confirmation of the changes made to my credit report once the dispute is resolved. 

I have enclosed supporting evidence that contradicts the reported information and ma prepared to provide further documentation if necessary. I appreciate your attention to this matter and expect a timely resolution.
Consumer complaint received 2024-03-18
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. (GA)

My information has been included in both the XXXX data breach and XXXX 's. In the midst of this, my information was stolen and has apparently been used in many attempts by someone trying to open an accounts.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-09
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. (TX)

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 : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE

PURPOSE to be on my credit report.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 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 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Please update all of my personal information on my credit report for each bureau : XXXX, Experian, and XXXX My only name is : XXXX XXXX My only address is : XXXX XXXX XXXX. XXXX XXXX XXXX, Michigan XXXX My only birth date is : XXXX My only phone number is : XXXX My only employer is : XXXX There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-09
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDICO. INC (ND)

I have repeatedly told the collection bureau multiple time that I dont make enough money to pay off the debt or get garnished. That lady calls me two times a day and even calls me at my job which I might lose now. I am the only one thats working and soon to be homeless and if I she persistently keeps calling me I will no longer have a job.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-09
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. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-04-09
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

Best buy credit card citi bank issuer Had good account history for months of on time payments an auto pay from XXXX XXXX Then XXXX XXXX had several failed system issues there entire system crashed numerous times causing people to be stranded without funds or ability to pay for goods an services. I was one of the victims XXXX contacted me an pressured me to not sue them or they would close my account. Because of these issues with payments not being processed best buy citi credit card was closed I was informed by citi it would be closed. They continue to charge me interest I tried to settle the account but they charged me more then my credit limit in fees. 

If an account is closed why would you keep charging a customer for it. I'm fighting without help can you assist in resolving this I would like to pay the settlement amount they will offer from the total XXXX. 
Contact me
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Please abide with the law in order for this matter to be resolved promptly. This is the unverified account that needs to be corrected : XXXX XXXX XXXX XXXX XXXX : {$340.00}.