davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

I have tried to remove my PMI private mortgage insurance fee requirements from my mortgage a couple of times and still get denied. Even though my Tax Appraisal value went up for my county and I sent it into Flagstar Bank. I also submitted pictures of remodeling etc. they have me at 83 percent and they should have me lower than if they used my priginal tax appraisal which they refused. At this time my home is over XXXX square feet, I only owe {$130000.00} for a one story ranch house in XXXX Texas on a large lot. Also I have never missed a payment since I financed 5 years ago. The house is valued over {$230000.00} and thats the low end for tax appraisal value. The sale of my property would net me {$100.00} a square foot putting my value at {$360000.00} XXXX they know this but will not remove my PMI unless I get a pricey appraisal in which I dont have the money to do being a single parent. The attorney general and several banks in Texas use the value of the counties. I can not understand why my bank wont. The additional {$200.00} would come in handy to meet my other expenses I have been asking for an adjustment for several months. Texas is going through a high market and I would be able to sell easily but then I would not have any where affordable to live. Yet my cost between insurance, taxes etc keeps going up and the mortgage company isnt trying to help me.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (OR)

In XXXX of XXXX, COVID closed everything and so I called to cancel my XXXX XXXX membership. The gym was not open, so I called to cancel. I have not received any charges on my account, indicating it was closed, however now I have a collection agency XXXX XXXXXXXX XXXX XXXXXXXX trying to collect {$230.00} for a debt to XXXX XXXX. I contacted XXXX XXXX and visited their location on Thursday XX/XX/XXXX and tried to resolve this with XXXX XXXX, but they did not care and redirected me to the collection agency.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (NJ)

MY IDENTITY WAS STOLEN FROM ME. PNC CARD WAS NEVER MINE, AND I HAD ALREADY ALERTED THE BANK.I ALSO WENT TO THE POLICE STATION TO OBTAIN A POLICE REPORT.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

On XX/XX/2021 It was reported to XXXX  that my account with XXXX is {$12000.00}. past due and over 180 days late, This is not correct as when my loan transfered to XXXX from XXXX XXXX it was in flight partial claim modification that was already complete. Since my account has been with XXXX I have made the full payment every month.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I spoke with a rep by the name of XXXX on XXXX XXXX about service collections that I had with your company. During this call I was advised if the debt was paid in full A correspondence would be sent by the following Monday to all credit bureaus to remove all debt. I was advised that all calls were recorded and monitored so please pull those records to reflect what was stated. I was also told that I would received this information in a letter within a week and to this date I have not received any communication. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I paid the following debts on XXXX. 

{$340.00}, {$75.00} & {$50.00}. 


However my report has been update and the debt still remains as paid. Please be advised that I am requesting that these items are removed immediately. I have attached the companies reponse stating that they requesting that all three credit bureaus remove the following accounts from my credit files on XXXX XXXX XXXX  Account numbers XXXX XXXX
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (GA)

I applied in XX/XX/2021 for a chase XXXX marriott credit card and was approved. I received a call a few days later from chase asking if i applied. I confirmed and verified that i did. They mailed me a card. I tried to activate it. They told me it was being reviewed by fraud. I received a letter a couple of weeks later saying that they closed the card because they didnt know if it was opened by me or not. If i did apply to call. I called. They had me email my identification. Afterwards i received a letter saying i was responsible for the account they reopened it. They sent a new card. I tried to use it. They told me it was being investigated.AGAIN. I received another letter dated XX/XX/XXXX. Saying they closed it because they didnt know if it was me or not. If it was me to call and let them know. I called AGAIN. i asked why do i have to keep doing this. Their response was. The account is under review. At this point. This is on my credit and opening and closing this acct is affecting my credit. This is unfair
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (IL)

EQUIFAX HAS REINSERTED 2 ADDRESSES ON MY CREDIT REPORT THAT I NEVERED LIVED AT, AND TODAY I RECEIVED A LETTER STATING THEY WILL BE REMOVING MY SECURITY FREEZE, WHY I DIDNT ASK FOR FREEZE TO BE REMOVED. EQUIFAX IS PLAYING GAMES WITH MY CREDIT REPORT AND CREDIT SCORE.
Consumer complaint received 2021-08-02
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. (GA)

Greetings : I was looking over my TransUnion list of hard inquiries and found a number of errors. I have tried to get assistance over the phone, was told inaccurate/illegal things - and then they had the nerve to try and sell me products and services over the phone!! 

I've never signed ANY agreement or permission to pull my credit report with ANY of these companies!! 
I followed this up with a certified letter, I have enclosed their response : -No validation -No investigation -No detailed reporting of whom with each hard inquiry they reached out to and what was the finding Under both the FCRA and the FDCPA this is blatant illegality!! 

Please enforce the law and demand that they be made compliant!
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I have a Mastercard Ultamate Rewards card through Comenity Bank. I made a cashier 's check payment to payoff my balance through my credit union and they cashed it on XX/XX/2021 but did not apply the payment to my account. I opened a dispute with them and provided them with evidence of the cashed payment and they have not applied the payment. This is unacceptable. The cashier 's check number is XXXX in the amount {$2700.00}. I need this amount to be applied immediately to my balance. I also need any finance charges or fees assessed to my account to be reversed. Enclosed is evidence from my credit union that showed the payment has been reconciled.
Consumer complaint received 2021-08-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

On XX/XX/XXXX LoanCare drafted a letter stating that I must change the account number that I am sending my payment to in order for my account to be properly credited. I did not receive the letter until the end of XXXX and XXXX 's payment went to the old account number. They did not credit the payment and I have called 6 times without getting any resolution. They have never returned any of my phone calls. The customer resolutions department is typically closed during the posted hours. The last response I got after calling customer service is that they never received any proof from me that any payments have been made. The last correspondence they have on record as being sent to me is that I need to send them proof of payments to which they have never received a response. They deny ever sending a letter stating that the payments were being sent to the wrong account number, but said that the note states that I called and told them that my bank was sending the payments to the wrong account number. 

They first stated that missing payment was returned to me because I'd called and asked for it back. They had no documentation to support this and when questioned by Department of Veterans affairs they changed their story.

The next story is that the payments were being sent via regular mail and taking and they had no control over how long it took to get them. When proof was provided that the payments were made electronically.

The third story was the wrong account number. 

On Friday, XX/XX/XXXX, I spoke with Arial in customer service ( she said she was a manager ) and I was told that there is no record of any of that, the only communication they have ever sent me was to provide proof of payments which they never received. 
I called customer solutions on XX/XX/XXXX twice but was unable to connect with anyone, I left messages. I called three times in XXXX and left messages for someone in customer solutions. I did speak with customer service who told me that they would leave a message for someone to call and follow up, and also that the notes did not have dates so they could not tell what the dates were from the other times I tried to contact them or the date of the notes entered. 
In XXXX and XXXX I was calling with a third party verifying the payment information on the loan and they reported the loan as 30 days past due and stated they would be sending the information to the credit bureau XX/XX/XXXX.
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I am the listing agent on a property that was to be conventionally financed by Citizens bank. This loan has gone over the 45 day closing period and at 60 days Citizens was still not ready to close and were completely avoiding contact with all parties ( including the borrower ). The loan office would NOT communicate with anyone ( including the borrower ) about the status of the loan. We went weeks without any communication and now they won't release the appraisal to the buyer/new lender. We have had to ask my seller for 3 extensions - he is still continuing to pay his mortgage through all of this. I should add, this is a $ XXXX plus contract.
Consumer complaint received 2021-08-03
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. (VA)

Good evening, I would like to ask you to start investigation on accounts that I have in my profile. The point that these accounts are not mine and have never been mine. They appeared recently and I do not know their origins. Its identity theft and I am very sad about this situation. I want you to check them and to figure out what happened. Also I do not want to see them so I ask you to delete them. Thank you I will appreciate it
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/30 I went to deposit my paper check from my XXXX XXXX that I've been with for nearly 14 years. Due to the fact I was in a hurry because I was hosting a XXXX birthday for my partner and due to the fact I am physically XXXX I went through their automated atm drive-thru located at XXXX XXXX XXXX, XXXX XXXX, NV XXXX near my house. There were cars occupying the live teller drive-thru. When I put my check into the machine it asked me to confirm the amount of my check so I did. It then said, " a 7-day hold would be placed on my deposit. '' Seeing this I immediately hit cancel, clear, etc. But it would not give me back my check. I then see it would take over a week to receive my funds. This is my only money aside from the {$80.00} I already had in my account. I along with other customers who aren't aware of their " first check hold policy '' should be given the option to either cancel or proceed with the transaction because I could've cashed it at the casino as I've done before! I contacted their loss prevention as directed by their teller and online rep via the " secured message center ''. I asked for a supervisor & the rep wouldn't connect me. She also implied my XXXX check may look fake to the bank. She also told me going into the branch wouldn't help me yet Chase turned around and stated I make an appointment to meet with a banker yet their appointments are booked everywhere for at least 3 weeks! I've complained numerous times and I've also filed a complaint with the XXXX XXXX XXXX I can't pay rent and now I am forced to borrow or pawn items just to have money!
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Onity Group Inc. (TX)

Me and my family members continue to receive phone calls from GMAC saying that they are going to move " move foward with my case as a refusal and paper work will be filed '' and to call the case manager at XXXX. This continues to happen after several complaints have been filed.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear TRANSUNION, I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my Social Security Number is XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : 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 These inquiries were made without my permission and are affecting my credit score and overall financial profile. I request that you take the following actions immediately :
Consumer complaint received 2021-08-03
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. (GA)

I HAVE REQUESTED DOCUMENTS THAT THE BUREAUS HAVE IN THEIR FILES CONTAINING MY WET INK SIGNATURE TO VALIDATE THE ACCOUNTS LISTED BELOW, I AM SUPPLYING THE IDENTITY THEFT AFFIDAVIT AND THE POLICE REPORT THAT SHOWS THAT THESE ACCOUNTS ARE FRAUDULENT, I DEMAND THE BUREAUS ABIDE BY THE FCRA LAWS PUT IN PLACE TO PROTECT THE CONSUMER, PER SECTION 605B ALL FRAUDULENT ACCOUNTS SHOULD BE REMOVED AND DELETED WITHIN 4 BUSINESS DAYS, NEITHER HAS BEEN DONE, THEY JUST LEFT A STATEMENT ON MY REPORTS. IF THESE ACCOUNTS WERE OPENED IN 2015 AND ARE GOVERNMENT STUDENT LOANS, HOW ARE THEY JUST NOW BEING ADDED TO MY REPORTS, I HAVE NEVER LIVED ANYWHERE CLOSE TO XXXX, GA!!! I HAVE NEVER LEASED AN APARTMENT IN XXXX. 

XXXX  U S DEPT OF ED/XXXX # XXXX {$16000.00} U S DEPT OF ED/XXXX # XXXX {$3300.00} U S DEPT OF ED/XXXX # XXXX {$5100.00} EQUIFAX XXXX XXXX XXXX  # XXXX {$2000.00}
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I contacted Bank Of America and notified them that I did not apply for a credit card. 
The application was submitted on XX/XX/2021. The Bank told me that they will reject the application. The ref : # XXXX
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WA)

I owed Barclays a {$2000.00} balance on my Barclays XXXX XXXX card. Their online payment system is horrendous and has caused me a returned payment fee. I've encountered many error codes, website crashes, and other issues. In fact, I just got a letter in the mail saying that they are switching over to their consumer interface for credit cards because their business interface is nonfunctional.

I attempted to make a payment for my card but my bank account was never charged. I still owed the same balance on the card. I then went to resubmit the payment, assuming that their system screwed up like it so often did. Instead, somehow the original payment was future-dated for in 2 weeks. I was not shown or warned that I already had a pending payment when I made the new one. Barclays then proceeded to charge my bank
{$2000.00} twice within a multiple-day span even though I only owed {$2000.00}.

I called in to request a waiver of their {$39.00} returned payment fee but was denied.
Consumer complaint received 2021-08-03
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)

I HAVE AN ACCOUNT XXXX XXXX REPORTING ON MY CREDIT REPORT INCORRECTLY. THIS ACCOUNT HAS BEEN OPENED SINCE XX/XX/2004 PLEASE HAVE CREDIT REPORTING AGENCIES FIX ACCORDINGLY
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/2021 approximately XXXX, I went through the CHASE drive through to cash a check, consumer rights were denied by the President and bank manager, XXXX XXXX XXXX because I autographed the check XXXX XXXX, ALL RIGHTS RESERVED. Initially I was given the denial through a teller, then I decided to do into the bank, to gain clarity as to why they were refusing me services. I filmed using my cell phone for my own protection, and document purposes. I finally made it to the window and expressed my concerns and displeasure with the teller from the drive up window, when she told me I have to speak with Mr. XXXX, I explained to Mr. XXXX that he was attempting to clog my equitable rights, and prevent me from engaging in commerce. Mr. XXXX, then at that time slid my driver 's license and check, jumped up from his stool and said that he didn't want to be filmed. Mr. XXXX had several bank cameras in front of him and several behind him, which belong to Chase Bank, therefore I didn't understand. Mr. XXXX then threated me by saying that if I didn't leave, then he would call the police. Knowing the temperature at this time between civilians and police officers, I felt that Mr. XXXX was attempting to use the police officers as an attack dog or weapon against me. Since Mr. XXXX made the threat of calling law enforcement, I called them on myself in order to document the event. When the officers went into the bank, Mr. XXXX expressed that I could come back into the bank to have my check cashed under the conditions that I signed with just my signature, omitting XXXX XXXX ALL RIGHTS RESERVED and no recording. I refused and left the bank with the check.
Consumer complaint received 2021-08-03
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. (CA)

On XXXX I sent out letters, certified mail, to XXXX, TransUnion, and XXXX stating that they are all in violation of the FCRA [ Fair Credit Reporting Act ] and are furnishing information without my consent and selling said information for profit, this is identity theft. I have also included an Affidavit of Facts with my letters that states who I am [ consumer, natural person, creditor ), the laws, the violations of the laws, and my demands for remedy. I am also sending this complaint via CFPB to ensure that it is documented that I am being taken advantage of and trying to fix these issues. This is my second attempt at resolving this issue with these bureaus, they have not complied and continued to violate my rights as well as the federal laws of the Fair Credit Reporting Act. This is my final attempt to resolve said issue, otherwise I will be seeking litigation due to the willful noncompliance as well as all the damages that their deceitful means of business have caused me.
Consumer complaint received 2021-08-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NJ)

M & T Bank is servicing my mortgage loan. I entered into a COVID-19 Forb program and I am due to start resuming my mortgage payment as of XX/XX/2021. I made a partial payment in XX/XX/2021 in the amt of {$1000.00} that M & T bank put in my suspense bucket. For my forbearance payments I wanted a Loan mod but they claim my payments would increase so I did the partial claim to have the pmts put to the end of the loan. They also told me my {$1000.00} in suspense could not be used towards my forb payments ( partial claim ) so I said okay apply the funds to my mortgage pmt which is {$1500.00}. I will pay the {$590.00}. Now they are telling me I can not use my suspense funds. I need answers on why I can not use my money towards my XXXX pmt. I have been waiting for a week for management to contact me this company is the worst mortgage company ... please help or let me know if I need legal assistance to file legal action against M & T