davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Real Estate Equity Exchange, Inc. d/b/a Unison (CA)

In XXXX of XXXX we entered into a home equity sharing agreement with a company called Unison. Unison 's business model is to provide a loan in exchange for a percentage of the home 's equity. In the disclosure information Unison makes little mention of there being any potential issues with refinancing your property once you have entered into an agreement with them. 

In XXXX of XXXX we secured a refinance loan of our ARM with XXXX XXXX. Our loan was set to adjust in XXXX and interest rates were just beginning to creep up. So we secured and were approved for a refinance at a fixed rate of 3.25 %. 

At the final stage of the new loan being recored we were informed by XXXX XXXX that they could not process our new loan because of our relationship with Unison. We have subsequently learned that very few lenders will refinance a property if the homeowner has taken an equity share loan with Unison. This includes all major lenders ( such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc... ) and any bank affiliated with XXXX XXXX and XXXX XXXX. 

In response to our loan being rejected, Unison provided a list of their " approved lenders. '' Upon contacting the top three lenders on their list, all three flatly denied that they would lend to a property that has Unison on title. A Unison representative then setup a meeting with a lender he claimed loaned to Unison homeowners in the past. Not only did this lender state that they never lent to a Unison property in the past, they said they never would in the future, either.

Unison is aware that they misrepresent and downplay the very real fact that the vast majority of lenders will not work with homeowner that have taken an equity sharing loan with Unison. Unison employees have blatantly stated that the company should do a better job of being transparent and honest with potential customers about this fact, and that their contracts distort the truth. 

Unison 's legal department is aware of the problem and XXXX XXXX XXXX, Unison Corporate Counsel, has yet to remedy the situation. Unison 's CEO, XXXX XXXX XXXX, is also aware of the issue and has acknowledge knowing about this lack of truth in lending in both the marketing and promotional materials the company distributes, and it their contracts. Thus far XXXX XXXX has taken no corrective action.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account has already been sent a personal letter to the bank in charge, in the same way that we send a notification to the CFPB notifying the errors and data that report in my credit report negatively affecting my credit report. 

You were notified in the past of the errors and giving the explanation with evidence that this account was not authorized at any time by my person, all the information they requested was issued including written conversations by agents who work for that company and still continues to affect in a negative way without receiving any type of response from this entity.
Consumer complaint received 2023-10-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PENTAGON FEDERAL CREDIT UNION (SC)

I am writing to you today about my most recent issues with my Financial Institution, Pentagon Federal Credit Union. My issues specifically involve their XXXX XXXX 

I had a horrible experience with my original mortgage closing and ended up having to pay some of their closing costs for them. Luckily, I had an extra {$3.00} XXXX dollars available to cover the costs they should have paid. They did eventually reimburse me but only the money not the use of it or the lost time. It was actually the third closing date they missed the first two. My lawyer said it was the worst closing he had ever seen and would never do business with them again. I complained to the Consumer Financial Protection Bureau but to no avail. Even though they admitted to fouling everything up nothing happened. 

So, shame on me when they offered to refinance my home and lower my payments in late XXXX  I foolishly took them up on their offer. Six months later I received a correspondence from XXXX who held the insurance on the property that they had not been paid in several months. Now this was not my issue in the since that it was coming out of my escrow but of course I did not want the insurance on my home cancelled. I contacted PenFed and they tried to blame it on a subcontractor and it was going to take forever to get the payment. So, once again I was forced to pay PenFeds bills for them but this time there would be no refund.

PenFed agreed that they should have paid the insurance but did not. Now they claimed that they had not held back enough funds to cover my escrow and they raised my mortgage. Now I know that escrow can change but only when taxes change or insurance rates go up. Neither of these happened. Instead PenFed apparently made an error figuring out the mortgage and now they just raised my mortgage. 

I tried to explain that we had a contract and you just can not arbitrarily change the rates. I finally escalated to, XXXX XXXX XXXX, XXXX of the Board of Directors. He apparently does not see a problem with this strategy. I asked if I could arbitrarily change the rates downward and was told no if I did not make my payments they would foreclose. 

Im a little bit baffled that a financial institution the size of PenFed would not have a better grasp of business. They are either totally incompetent or just dishonest.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I am urgently seeking the removal of this inaccurate late payment from my account. Given my history of timely payments, this entry is causing me undue stress and worry. I request that you promptly rectify this mistake by updating my account accordingly.
Consumer complaint received 2023-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX  bought a debt. They are telling me I was served XX/XX/XXXX. They served my exhusband. I was never notified about the collection until they started gernishing my paycheck in XX/XX/XXXX XXXX
Consumer complaint received 2023-07-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (MI)

I was approved to borrow {$100.00} on XX/XX/XXXX. I was told the money was deposited, but it was not. 
On XX/XX/2023, they helped themselves to {$100.00} from my bank account and are still refusing to pay it back. 
I have made several attempts to retrieve the money only to be told that a specialist will be emailing me or they boot me from the live messaging.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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. (DE)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The company had a data breech in XXXX  and were suppose to send out emails or mail letters stating there was a class action lawsuit yet they never reached out to me. Ive been a loyal member for a few years now. They should have reached out to me. I am now hearing about this which isnt fair. They did not reach out to every customer only a hand full.
Consumer complaint received 2024-03-29
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. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX XXXX They in fact did not come from a XXXX XXXX. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have received 11 emails from this company, Experian, who supposed to give the correct credit report for a XXXX nationality. 4 of them, I am not sure what they have corrected at all. I expect they must deleted some information of soft inquiries in the past or other information, which I could not recognize due to the written information of dates. 2 of them mentioned they deleted my husband 's name again without any explanation. And 4 of them are asking further information, which I expect to be used for the proof of identity ; however, I believe I already sent it at least once to this address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since they ask again to send it, I will mail it. I believe I sent it more than 3 times this time. I just want to ask how many times I need to send. Is it because of the neglect and mishandling of your country post office or this company? I have this question because mail delivery takes so much time, and I am waiting several checks to be mailed to me. And the last one, I have never seen until yesterday. I attached the screen shot of this email. I feel it is regarding the credit card. Since I have another credit card application emails from one company, which I file later, I do not want to receive anything like that.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

XX/XX/XXXX I was charged {$360.00} from XXXX, which was unauthorized. I never have used XXXX. I contacted Citibank and they reversed the charge and said they would initiate a fraud investigation. 
XX/XX/XXXX they added the charge back onto my account and never informed me. I did not receive a XXXX statement. 
XX/XX/XXXX I then received a payment past due notice by email although I had never received XXXX of XXXX statements. Apparently they had me set up paperless which I did not request. I havent used this card for many months and so did not realize that statements were missing. 
XX/XX/XXXX I called and spoke to XXXX and she said that the XXXX had no proof of delivery and that someone with a different email ordered it on my card. She said they would remove it back from my account. 
XX/XX/XXXX It was not removed and interest and late fees were charged on XX/XX/XXXX. 
XX/XX/XXXX I called again, spoke to XXXX. He said it was being investigated and should be corrected shortly. 
XX/XX/XXXX I received an email stating that my account is past due 25 days. I know that if the account goes 30 days, it will be reported as a negative on the credit bureaus. I have a XXXX XXXX  and I do not want their incompetence to reduce my XXXX.
Consumer complaint received 2023-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX, I received a letter that CFPB that there was a settlement with GreenSky LLC. The letter guidelines said to go to a secured website www.greenskyprogramsettlement.com in order to apply to see if I was eligible for compensation. On XX/XX/XXXX, I received a check of {$24000.00} that was erroneously addressed, my name was incorrect. Since my name was addressed wrong, my bank would not accept the check. The check only had two last names, in wrong order and did not include my first name. I have never paid my account and my account was never set-up with the two last names in the wrong order and I always paid with my first name and last name, not the two last names in wrong order. 

I called on XX/XX/XXXX and I was told to submit an inquiry at XXXX. I also called and spoke with XXXX and she told me to send documents with my correct name and to void the check in order to process a new check. I sent via mail per their request on XX/XX/XXXX and on XX/XX/XXXX I also sent via email. I never received any responses via mail or email. I sent via email multiple times documents that showed my name on payments and their letters that showed my correct name. I continued to call the XXXX to get updates and all the people I spoke with said to wait 3-4 weeks. 

XXXX ( account rep ) told me on XX/XX/XXXX said that Greensky is not authorized so they can't change the name and to call Greensky directly, so I called GreenSky and they also told me that they can't help me. Finally on XX/XX/XXXX per another conversation with XXXX ( another rep ) requested that I write another letter to explain my situation again. My last call was on XX/XX/XXXX and XXXX said that she would investigate on Friday or the following Monday but I never received a call back. I proceeded to send another email on XX/XX/XXXX. Please help me, I have not had a response, my account was never set-up with these two last names in wrong order and without my first name. I still have not received a new check.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

I have requested that the credit reporting agency correct my address and I was told that I need to contact my credit company. I have done that and they have corrected my address, but I believe it's the responsibility of the credit reporting agency to have up to date and accurate personal information on my credit report and remove items that don't belong to me and they have failed to do so.
Consumer complaint received 2024-03-29
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. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 2024-03-29
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. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-31
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. (CA)

I am submitting this complaint to you to inform you that XXXX and XXXXXXXX XXXX XXXX XXXX has made an error in sending out their statement. These banks were aware of the issue & agreed to update to open/never late. Please update. XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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. (MD)

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 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A. (FL)

in XX/XX/2023, In addition to placing a call to PNC Credit Cards I visited a PNC Branch and the branch representative placed a called to PNC Credit Cards in hopes of assisting me with resolving the card. The last payment I made to the PNC Points Card ( XXXX ) was on XX/XX/2023 in the amount of {$71.00}. I did not make the XXXX payment on time and accrued a late payment ( {$27.00} ) and interest. I called PNC Customer Service in the beginning of XXXX and researched hardship options provided. I was reimbursed the late fee of {$27.00} charged for the month of XXXX as a courtesy and provided several hardship assistance options by phone and was encouraged to review the online options provided. I did not move forward with the hardhip assistance options provided by phone or online. I chose to cash out {$170.00} from the PNC Points Card ( XXXX ) Rewards and of the options provided on the PNC site, have the cash-out reward deposited to my checking or savings, I chose to have the reward money deposited in my checking account XXXX. The money was not deposited in the checking account and was applied as a balance reduction to the credit card on XX/XX/2023. The amount was not applied as a payment on the PNC Points Card ( XXXX ) and continued to reflect as late for the month of XXXX and XXXX. I made PNC Credit Card services aware the money should have deposited in the checking and not applied to reduce the balance however they were unable to acknowledge the error and/or deposit the rewards cash out balance of {$170.00} in my checking account ( XXXX ) I intended to use to make several payment to the credit card. I visited the branch representative and they were able to assist me in contacting XXXX Credit Card services on my behalf and confirmed reversal of the application of the rewards would not be possible. I acknowledged I would be unable to make payment on the Credit Card. In XXXX, I then closed my PNC Checking account ( XXXX ) and PNC Savings account XXXX. PNC Credit Card services did not close my credit card account until the week of XX/XX/2023, my last visit to the branch where the representative called PNC Credit Card Services and confirmed hey had closed the account with a balance on it. I was charged a late fee in XXXX, XXXX, and XXXX of {$38.00}, I am still not certain why the fee increased from the traditionally charged {$27.00}. I was charged a late fee, again, on XX/XX/XXXX and XX/XX/XXXX of 2023 after I had confirmed the card was closed by PNC Credit Card services. 

The PNC Points Cash-Out Rewards balance of {$170.00} was not appllied to the correct account.