davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

In XX/XX/XXXX, we originate a conventional home purchase loan with 5 % down with XXXX XXXX, purchase price {$560000.00}. In XX/XX/XXXX, we made a {$210000.00} principal payment and requested a mortgage recast and paid a {$250.00} fee. During a phonecall confirming recast details, I verified that this would reamortize our loan and bring the XXXX to 55 % and remove the PMI. In XX/XX/XXXX, our new payment began but they continued to collect the PMI unknown to us. The loan was sold to a new servicer Roundpoint mortgage in XX/XX/XXXX and they also continue to collect the PMI until I noticed the issue XX/XX/XXXX. After a phonecall, Roundpoint promptly has removed the PMI for future collection. 
XXXX has been extremely unhelpful, claiming that the loan is now closed and that we should have made a request in writing to remove the PMI. We dispute that because the loan was reamortized and no servicer would collect PMI on a new loan with a 55 % XXXX, not to mention that I verbally confirmed it would be removed. 
Roundpoint says that because of how the loan was written/sold to them that is why they continued to collect the PMI. It seems like there should have been due diligence done at some point in the process.
Consumer complaint received 2022-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (FL)

Members of my family as well as myself have received calls from this company stated they are attempting to collect a debt. 

When I attempt to verify the name of the company or where the alleged debt originated from they disconnect the phone. 
Today on XX/XX/2022 I requested written documentation showing validity. I wouldn't even know who to expect mail from because the agents refuse to identify the name of the company. After calling several times someone answered and gave the company name before hanging up yet again. 

This debt is either not valid- or it is too old to be reported to my credit. Either way I would like the harassment to stop. The representatives are rude and have absolutely no intention of providing clear, concise answers.
Consumer complaint received 2022-04-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Please Please Please Help Me I have submitted dispute letters to trans union asking for incorrect and inaccurate information to be investigated and removed. THEY WILL NOT COMPLY with the law of FCRA. its been 45 days and no response. i have asked for names/addresses of entities reporting inaccurate info on my consumer report for 3 years now and i haven't been given no response to my request. Example : if XXXX XXXX  submits reports on me then i need to know its XXXX XXXX there address and phone contact. Trans union responds to me 3 months later after i requested a bankruptcy on my consumer report with " The bankruptcy on your report has not been changed because the Company '' that reported it verified its accurate ''. I Also have a letter from the bankruptcy court on an official letter head stating that the bankruptcy court doesn't submit ANY info to consumer credit bureaus. So who is this " Company '' Trans Union is referring to. AND WHY IS TRANSUNION BEING SECRETIVE ABOUT WHO IS REPORTING INACCURATE INFO ON MY CONSUMER REPORT. AFTER I HAVE ASKED FOR INFO/COMPANY/ADDRESS/POINT OF CONTACT BUT TRANS UNION IS REFUSING/AVOIDING TO FURNISH THIS INFO TO ME THE " CONSUMER '' TransUnion SOLE PURPOSE IS TO FURNISH UNVERIFIED INFO ON A CONSUMER REPORT WHERE ITS A VIOLATION OF THE LAW CAUSE THEY ONLY SEEK A PROFIT FROM REPORTING. CAN YOU PLEASE HELP ME OR PLEASE PLEASE PLEASE REFER ME TO LEGAL COUNSEL ASAP. ENOUGH IS ENOUGH. I REFUSE TO LET TRANSUNION TO CONTINUE RUIN MY LIFE FOR FAILING TO " OBEY THE LAW ''. i HAVE ATTACHED LETTER THAT I SENT OFF ON XX/XX/2022 AND IT IS NOW XX/XX/2022 AND STILL NO RESPONSE. AND IF I DO RECEIVE ONE IN WILL BE NEXT MONTH AND THEY WILL NOT INCLUDE ANY INFO I ASKED FOR. ONLY EVASIVE ANSWER SUCH AS " '' The bankruptcy on your report has not been changed because the Company '' that reported it verified its accurate '' I NEED TO KNOW WHO THIS COMPANY IS SO THAT I MAY ADDRESS MY GRIEVANCES WITH THEM AS WELL AS TRANSUNION..PLEASE HELP
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (MI)

US DEPT OF EDXXXX, XXXX, and Equifax Are breaking the law as I did not provide the companies listed with permissible purpose for reporting STUDENT LOANS ACCOUNT XXXX to my credit. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ).

For the extension of credit because of an application from a consumer, or the review or collection of a consumers, account. Section 604 ( a ) ( 3 ) ( A ).

For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance because of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ).

When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )
Consumer complaint received 2022-04-04
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. (IL)

I have contacted each credit bureau individually, starting XX/XX/2022. I submitted proof of the accounts being settled and paid and proof that the company agreed to remove. I have disputed these accounts multiple times over the phone and through letters as well as online. Each time the credit agency refuses to update the accounts and the lenders report the information back inaccurately despite the proof of payment I submitted to the Bureaus.
Consumer complaint received 2016-02-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (VA)

My spouse & i have banked with Wells Fargo for years, I wanted to deposit XXXX into our checking account, they ran the money through their machine and the branch manager said a XXXX bill was counterfeit. I then took my sharpie money marker and made a yellowish green mark on the bill to prove to him that it was good. He said to me "no that is counterfeit & i can't allow you to leave here with it, I insisted on a copy of it front & back, He gave me a copy of it and put the bill in his pocket of his suit. I told him we got the money from this bank, he argued that i did not. I told him that we always cash checks here & have for 25+ years. I ask him a question, "what kind of bill would i have had to cash to get back a XXXX bill ?" He replied "It didn't come from this bank:. God knows as well as we do that that bill came from that bank. I have my copy of the bill with the serial number's on it clear as water. Even though we got a checking, saving's, XXXX & an IRA with this bank and all of the tellers know us very well, The branch manager kept the money and did not once offer to re-place it. This particular bill most definitely came from Wells Fargo Bank. I have tried to get help with this & it seems it does not matter to anyone. I am considering not only changing everything to a different bank but also hire a lawyer and see what can be done about this, Just to prove to the branch manager that this bill was a good bill and definitely NOT counterfeit. I am contacting the XXXX and filing a complaint there as well. This is not right, Nor is it fair........In my opinion he just made himself a free XXXX dollars. We are very upset about this & i will not stop until justice is served. No matter what it cost me out of my pocket just to prove to him that i am right. He took our money & thinks he is going to get away with it, But he is not !!!! My opinion would be for people to beware if you are banking at Wells Fargo Bank....
Consumer complaint received 2022-04-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage Taking advantage of XXXX 's during COVID. They are deceieivng their customers who have been accepted into the FHA Covid relief streamline program. They are not executing customer contracts in a formal and timely manner XXXX I was accepted in Freedom Mortgage Streamline program, FM  send out formal documents to be notarized however due to clerical errors needed to be re done. 
XXXX I am still waiting for formal documents to be done for my streamline loan.? 

FM has asked me to make mortgage payments for XXXX XXXX, in the amount that was agreed to on Docs from XX/XX/2021. ( i made those payments ) As they told me if I did not I would be kicked out of program?? However docs have never been notarized nor sigend, due to errors on Freedom Mortgage part. 

Fast foward to XXXX Still waiting for formal documents to be sent out. Nothing from FM. They keep telling me docs have been ordered and any day I should receive them? FM informs me that I now have to make an XXXX payment or I will be kicke out of loan program. 

All the while this has been going on my back end loan amount continues to acrue, so my overall loan becomes greater and greater evern though I am making monthly payments?? I have called, contacted, written this company numerous times since XX/XX/2021, and not one single person CEO included can inform me of when I am supposed to recieve my updated loan documents. 

How can I be waiting over 7-8 months for them to send me out docs. 
I am writing directly to this organization, in the hopes that they can help resolve this issue for me.
Consumer complaint received 2022-04-04
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. (FL)

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 a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act US Bankruptcy XXXX XXXX XXXX TX XXXX # XXXX, have Violated My Rights.

15 U.S.C. 1681 Section 602 A states that I have a 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 2015-03-31
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was in and out of the hospital in XX/XX/XXXX battling XXXX. While in the hospital I had a " friend '' watching my home and making sure that my bills got paid. When I arrived home from the hospital, I came home to a friend who had disappeared, a stack of mail, a vacate notice from the sheriff for my mortgage, and a lot of information I did not understand. 
I relocated in XX/XX/XXXX to California for work. At that time, I went into a dealership to obtain a car. To my surprise, there was a credit card on my credit report showing as owed by me. At no time did I take out a credit card, file an application, make a payment, or transact any business with a Capital One card. To this date I have disputed this card at least XXXX times. To my surprise the only thing Capital One keeps saying is that I filed for the card, I completed an application online, and that I made payments. They are verifying all of this against public records that show me living at that address. So in other words, everything hinges upon the address of record. I have asked to settle this matter, asked for some sort of resolution, and asked for copies of receipts etc with my signature. At this point they are refusing to provide any other information to validate that this is me. 

Please help me.
Consumer complaint received 2022-04-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America- collector As of XX/XX/XXXX, Bank of America sent a payoff letter to XXXX XXXX XXXX in order for us to refinance our car loan. The title was transferred and the account was paid off. As of XX/XX/XXXX, Bank of America reported to XXXX that my account was closed. A couple weeks later, Bank of America sent me a check for an overpayment of around {$500.00}. A week or so later, they are claiming that they weren't overpaid but underpaid by {$500.00}. Now a few months later, they are reporting me to the credit bureaus saying that I am missing loan payments, when I have had a perfect repayment record. If my account was paid off and they sent me funds, I am not sure how they can charge me interest on a loan that was previously paid off. 

In XXXX, I attempted to call BofA to get more clarity on the situation. The automated service would only let me be transferred to a live person ONLY if I knew my full account #. On the letter they sent me, it only includes the last 4 of the account #. And because I didnt know the full account number, the system would hang up on me. After two more attempts I gave up. 

On XX/XX/XXXX, I was finally able to speak to someone on the phone who was not helpful and would only tell me I owed them money without giving me a full accounting of what happened and how I still owe them money. 

This is just corporate abuse. I would love someone to reach out to me and tell me how you can charge interest and fees on a loan that was paid in full.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XX/XX/XXXX : Capital One issued a " Rewards check '' to me for {$54.00} XX/XX/XXXX : I attempted a mobile deposit to my XXXX account XX/XX/XXXX : XXXX notified me that the 'rewards check ' bounced, and i was charged {$12.00} XX/XX/XXXX : I contacted Capital One, and was told by " XXXX '' that I would hear something by XX/XX/XXXX, but I never did XX/XX/XXXX : I called Capital One again, and was told by 'Supervisor XXXX ' that they show this check as cleared XX/XX/XXXX : I called Capital One again, and asked where i can submit proof, from XXXX, that the check bounced, and a fee was charged, and was told 'supervisor XXXX ' that Capital One will be sending me a letter to 'confirm the check was cashed '! Again, I offered to prove otherwise, but she said they have 'no incoming emails ' and I would have to take this up with XXXX XXXX 
I would like Capital One to credit my account, the full {$66.00}, to cover the rewards and the bounced check fee.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (IL)

On XX/XX/2022, I opened a US Bank XXXX checking account ( Attachment XXXX ) and used promotional code XXXX ( Attachment XXXX ) in my application. 

XXXX XXXX XXXX granted the account holder a {$500.00} cash bonus for completing several benchmarks within the first 60 days of opening the account as evidenced in the terms and condition in Attachment XXXX. 

Pursuant to terms of the offer, the account holder needed to : XXXX. Open the account between XX/XX/XXXX and XX/XX/2022 ( Account was opened XX/XX/2022 ) XXXX. Enroll in online banking within 60 days of opening the account ( Completed after account opening ) XXXX. Receive two or more direct deposits within 60 days of opening the account. For the {$500.00} bonus, the aggregate total of the direct deposits needed to be {$6000.00} or more. 

Per the attached statement ( Attachment XXXX ), a direct deposit of {$3000.00} was received on XX/XX/2022, which is shown as a Payroll direct deposit. A second direct deposit of {$3000.00} was received on XX/XX/2022, also a Payroll direct deposit. 

More than sixty days has elapsed since the second direct deposit and the bank has not credit the bonus to my account, which is in contravention of their terms and conditions for the promotional offer.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WI)

I am a new customer with Flagstar Bank, they are the servicing provider for my personal home mortgage. At the end of XXXX Flagstar completely mishandled my tax payment to my local municipality and has not refunded my escrow account. Per my closing arrangements as allowed by the state of Wisconsin, I am able to receive my tax obligation from escrow directly via a check, which is what I selected on my closing document. However, going into tax season I never received a check and was told multiple times this was not possible ( they're a servicer located in Texas that obviously did not know Wisconsin laws ). Through multiple exchanges with customer service, accounting, and the third party escrow company we finally were able to pay my XXXX taxes. 

During this process there were duplicate checks cut for the amount of {$1800.00} that were debited from my escrow account. I therefore had a negative balance going into XXXX as they refunded the remainder to me in a separate check. I notified Flagstar of this mistake and after 90 days this still has not been resolved.

I am extremely aggravated with tryin to resolve this with Flagstar because each time I have to talk to 3+ person 's in customer service and accounting to ultimately receive the same response : wait. I'm tired of waiting and ultimately do no trust Flagstar to maintain my mortgage account. I have only been a customer for 7 months and 5 of those months have been spent trying to resolve their mistakes.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : 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
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Information Employers : 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 XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX  TX XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OK)

I have tried to reach out to Lexis Nexus about the federal violations according to rule 9037 privacy federal law violation and also 605B FRCA these violations are hurting my credit they Refuse to abide by federal law I have include evidence from the court, and I have dispute with the XXXX XXXX XXXX and FTC. This violation must be fixed and hold accountable for.
Consumer complaint received 2024-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (CA)

Please see the enclosed letter you sent dated XX/XX/year>. Thank you for reversing the late payment notice for XXXX, but I have checked my credit report today and NOW I am being reported late for XXXX AND XXXX when this is plainly incorrect. PLEASE rectify this error as soon as possible and inform me the same has occurred and late payments are reversed with the credit reporting agencies. I will be making a report to the CFPB concurrently with this email as this is unconscionable behavior from XXXX. 

Attached are the deposits made to BMO Heloc account on XX/XX/year> ( for XXXX ) and on XX/XX/year> for XXXX payment. Please stop reporting me as late!!! 

I have made numerous phone calls and spent many hours on this matter over the last 2 months which was caused by mismanagement and incorrect information given to me by XXXX staff. 

This is URGENT as I am trying to get a mortgage next month.