davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (WA)

On or about XX/XX/XXXX we reached out to Newrez because we had been told that when our XXXX ratio hit 80 % we could drop pmi. We were informed there was different criteria and we needed to hit 78 % XXXX. 

On our about XX/XX/XXXX we contacted new rez because we had XXXX appraisals done and proof of our property value being far beyond the 78 % XXXX. Didn't matter, we needed to submit a formal written request to have a XXXX assessment completed by their people. 

We immediately filled and sent back the form. 

On or about XX/XX/XXXX we called to follow up as we hadn't heard anything from newrez. They claim they never received our written request for the XXXX  to be done. So we faxed it to them. Also on XX/XX/XXXX we're told by a representative from new rez " there's an error on their end. We are at the 78 % loan to value and it should have been dropped from the amount due. '' She's going to try to fix it with the higher up people now. 

On or about XX/XX/XXXX we called to follow up, again we're told they never received our written request that we'd faxed to them and that our PMI was still unable to be dropped off. So this time we emailed it. 

On or about XX/XX/XXXX new rez said they still didn't have our letter approving them to do the XXXX XXXX to drop our appraisal '. I stayed in the phone with the rep until he confirmed that he received the form I emailed in AGAIN, and had him take {$150.00} payment via phone for the XXXX assessment to be completed. 

On or about XX/XX/XXXX we looked into our online portal and realized that newrez misappropriated the funds sent for the XXXX and put them towards our principle payment. They removed from principle and said they would be applied to the XXXX. 

On XX/XX/XXXX we were contacted by the third party person from XXXX XXXX saying newrez hired him to do our XXXX. he came out on XX/XX/XXXX. 

On XX/XX/XXXX we were told by newrez that they had all of our documentation needed for PMI removal *despite being at the acknowledged less than 78 % value for months now* and we were approved for PMI removal. That we would see it drop off on or before XX/XX/XXXX. 

XX/XX/XXXX, I contacted new rez to see where it was at in the process of having our PMI dropped off. The rep informed me I needed to make a request for an escrow analysis to be completed before they would and could look at dropping our PMI. they said that escrow analysis would not be completed until XX/XX/XXXX, at which point newrez can take up to 60 more days to complete the payment adjustment.
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (NV)

Subject : Complaint Against Unfair Lending Practices by Wells Fargo Bank and XXXX I am writing to file a formal complaint against Wells Fargo Bank and XXXX regarding what I perceive to be unfair lending practices. My name is XXXX XXXX, and I have been a loyal customer of Wells Fargo for over 20 years. 

Throughout my two-decade-long banking relationship with Wells Fargo, I have frequently purchased Official Cashier 's Checks from the bank. However, never once was I informed that these Cashier 's Checks have an expiration date. Furthermore, nowhere on the Cashier 's Checks themselves does it state an expiration date, nor does the account holder agreement mention any such expiration policy for Cashier 's Checks.

Recently, I attempted to cash one of these checks at my local branch, only to be informed by the teller that the check had expired. The teller herself admitted to not being aware of any expiration date on certified funds. Additionally, despite my attempts to resolve the issue with my local bank, I was informed that Wells Fargo could not assist me in locating my funds. Furthermore, I have not received any written communication from the bank regarding the alleged expiration of my checks. 

I firmly believe that Wells Fargo is not adhering to fair lending practices by failing to disclose any time frame or expiration policy for Cashier 's Checks. Despite my efforts to reach out to the bank for assistance, I have been met with unhelpful responses. To add insult to injury, I recently received a letter stating that my case has been closed with no clear resolution.

To provide context, I have included below the details of the cashier checks in question, along with their respective issue dates and amounts : XX/XX/year> - {$2000.00} ( Issued in District of Columbia XXXX DC ) - Check # : XXXX XX/XX/year> - {$900.00} ( Issued in XXXX XXXX XXXX  ) - Check # : XXXX XX/XX/year> - {$3700.00} ( Issued in XXXX XXXX XXXX  ) - Check # : XXXX XX/XX/year> - {$4600.00} ( Issued in XXXX XXXX XXXX XXXX - Check # : XXXX XX/XX/year> - {$220.00} ( Issued in XXXX XXXX XXXX XXXX - Check # : XXXX XX/XX/year> - {$9000.00} ( Issued in XXXX XXXX XXXX ) - Check # : XXXX XX/XX/year> - {$370.00} ( Issued in XXXX XXXX XXXX  ) - Check # : XXXX XX/XX/year> - {$2600.00} ( Issued XXXX XXXX XXXX XXXX  ) - Check # : XXXX XX/XX/year> - {$8100.00} ( Issued in XXXX XXXX XXXX ) - Check # : XXXX I urge Wells Fargo to investigate this matter thoroughly and provide me with a satisfactory resolution. I also request that the bank review its policies regarding Cashier 's Checks and ensure that customers are properly informed of any applicable expiration dates or time frames.

Thank you for your attention to this matter. I look forward to a prompt and fair resolution to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-24
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. (TX)

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 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 2024-06-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (VA)

Dear Sir or Madam, Thank you in advance for your attention to this matter. I am experiencing issues with XXXX Bank. I opened a XXXX XXXX  Checking account on XX/XX/XXXX, with an initial deposit of {$XXXX0}. I was informed that a bonus of {$300.00} would be granted to new customers who opened a XXXX XXXX Checking account with a direct deposit of {$XXXX} within 60 days. The bonus of {$XXXX0} was to be paid on or before 180 days after account opening. 

To fulfill this requirement, a direct deposit of {$XXXX was received by this checking account on XX/XX/XXXX, and a subsequent direct deposit of {$XXXX} was received on XX/XX/XXXX. After waiting XXXX months, as of XX/XX/XXXX, I have not seen the bonus credited to my account. I called customer service and explained the situation. The representative, XXXX, confirmed that she found the promotion I described in their system. However, she stated that customer service would call me within the next one or two business days to resolve this issue. I never received a call from them afterward. 

I sincerely request that XXXX XXXX fulfill their promise and grant me the {$XXXX} bonus as advised, as soon as possible. 

Thank you!
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NE)

XXXX red card was closed without my knowledge due to my payment being returned due to my identity being compromised. I was also charged fees due to the return payment and was told they closed my account for returned payment. Ive been a customer since 2003 and never had any problems until my identity theft. This is an unfair practice to penalize someone for something out of their control. 

I was told I would have to reapply and I asked how that could be when this was out of my control. Very unhelpful customer service representative who didnt seem to care about this practice.
Consumer complaint received 2023-08-16
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)

This is a violation under 15 US Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies as they did not provide me with a written notice about the account before reporting it. As a result, I demand to remove the account from my credit report as I disagree with the debt they claim I owe. Additionally, they have violated my rights under 15 U.S. Code 1681b ( 2 ) Permissible purposes of consumer reports by reporting the account without my consent and misusing my social security information. Therefore, as a victim of identity theft, 15 US Code 1681c-2 mandates blocking such data without my written permission. According to 15 US Code 1681a ( 4 ), consumer reporting agencies must respect my right to privacy but clearly, my right to privacy as a consumer has been violated by you publicly reporting this information when I never gave your organization permission to report my information. 

Delete this account from my credit report Immediately.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Hello, There was a fraudulent charge made from my PayPal account to someone I do not know. My PayPal is under XXXX and I usually use it so that my son can pay on XXXX. The amounts are usually for {$4.00} or {$9.00}. But today, there was a payment of {$700.00} to XXXX XXXX. There was a {$25.00} fee associated with the transaction. I tried to dispute this with PayPal, however, PayPal immediately said that it looked like all my other purchase history so it was valid and they let the charge go through. I tried to contact my bank to make sure the transaction did not go through, but the bank said they have no say in money/currency being moved around via apps online. PayPal has now closed the " investigation '' which was a complete joke and now I can not dispute it further. Is there anything you can do to step in and assist? This is so ridiculous. I immediately tried to dispute this, minutes after it was submitted. I can't be any more diligent than that.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (DE)

I feel as though XXXX is not doing a thorough investigation. They are letting these creditors report false information. Its hindering me from getting approved from anything. Also I think XXXX has a fraud alert still on my report despite me removing it. Because I cant upgrade my checking account, companys XXXX XXXX XXXX XXXX are denying me without reason. I disputed credit acceptance and affirm multiple times. For a long time. I provided every detail they needed from me. From police reports to documents sent directly from the companies. Every single time I dispute it remains the same. And Everytime I wonder are these companys paying XXXX off. My problem is with experian because XXXX and XXXX are not reporting. Also credit acceptance has a balance on my report that states {$11000.00} but how if they sold the car for {$500.00} and they want to settle for {$2300.00}. Thats incorrect and needs to be corrected.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (IL)

I want to place a security freeze on my file. I didnt bother to call them as not only does their web site not have a link to how to do this, but it states- " Can you place a security freeze on your Early Warning consumer report? 
No. Under state laws, Early Warning is not required to place security freezes or fraud alerts on consumer reports. If you think youve been a victim of fraud or identity theft, you should contact one of the nationwide credit reporting agencies and place a security freeze or fraud alert on your credit report '' See link https : XXXX I would appreciate your review of Early Warnings claim that they are not required to place a security freeze. If they are wrong, pleas take the steps required to permit me to do so. 

Thank you XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (IN)

National Credit System is reporting I owe a balance on my credit report inaccurately. I filed XXXX XXXX XXXX  and they are included in that XXXX. Delete it from all credit bureaus immediately. Their filed under their ORIGINAL NAME AND OWNER " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, please see bankruptcy for attached. I owe XXXX dollars and the company themselves are aware. XXXX XXXX XXXX is the name of the place of the house.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

On Thursday XXXX I deposited a check via the app mobile deposit funds were made available and indicated the rest of the funds would be available on Friday XXXX. I called Friday after the funds were not available and was advised they would be available the the next day Saturday. Hours went past i tried go use my debit card it declined, i attempted to log into my app and was not able to. I called the regular customer service line and was told my account was blocked due to the check they accepted and sent an email stating it was accepted and it would take 24/48 hours for review but if I wanted to expedite the review i had to go into the branch on Saturday with documents supporting i was the business owner of the name on the check and they would make the funds available and unblock my account. I did exactly that and went to the XXXX nj branch with my federal and state documents including the check to prove i was the owner of the business just to be told i still had to wait 24/48 more hours for a so called review. I requested for them to provide me with the notification of why my account was blocked, i also requested for them to have a supervisor contact me on two occasions and still have not heard from a supervisor. I dont even have access to the money from my employer direct deposit I want access to my funds this was done without notification or just cause.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (PA)

I created an account in XX/XX/XXXX and signed up for a checking account bonus. I completed the required tasks for the bonus and never received it. TD Bank says they have up to 180 days to pay it out. I passed that 180 days on My XXXX XXXX and still didn't receive my bonus. I contacted them about this and they said they would look into it. Since then, I have no heard back from them and have not been paid out.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (OH)

on or around XX/XX/year> someone opened a credit card account with Citicards, cbna the account was used by the felonious party over the course of almost XXXX after they were done using my identity for ill gotten gains the accounts were allowed to go delinquent A fraudulent bank account with XXXXXXXX XXXX  XXXX also opened and used in this theft. 
I've never had a XXXX XXXX account and I believe there was XXXX associated with this account. I've attached the letter from XXXX supporting this statement. 
I've attached a copy of the police report and Identity theft report for assistance in getting this removed from my credit file
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Equifax is furnishing inaccurate information on my credit report which is violating my rights as a consumer and causing harm to my personal life. As of XX/XX/2024, as listed on my most recently reviewed consumer report, there is a fraudulent/unauthorized inquiry that was not made by me the consumer. 
This inquiry was initiated by XXXX XXXX XXXX XXXX on XX/XX/2024. 
I do not have any personal credit cards with this company, nor have I ever applied for XXXX or given them consent to pull my credit. 
Not only have I never given Equifax any form or written or express consent to publish this information on my credit report, they DO NOT HAVE CONSENT to furnish this information on my credit report and are causing damage to my personal life in doing so. 
They are also violating the FCRA and are liable for the damages should they continue to furnish this inaccurate and harmful information. 
I have disputed with them directly over this matter as well, and expect this information to be removed from my credit file immediately. 
Thank you for your help and cooperation.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

These are unauthorized inquiries and I am a victim of identity theft. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD SERVICES XX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

I have on my credit report XXXX XXXX  accounts. I am listed as an authorized user on XXXX. But I was removed from that account on XX/XX/year>. The company told me that by XX/XX/year> they would remove it from my credit report. As of today I still have it on my credit report.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in removing the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (GA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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.