davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (AZ)

About a month ago, I contacted the company who holds my mortgage. I bought my house 2.5 years ago and inquired about removing the PMI insurance to bring my payment down. As instructed by them, I made an official inquiry in writing as to what my house would have to appraise for in order to have the insurance removed. After a few weeks I was told it had to appraise for {$250000.00}, but that I would have to pay for the appraisal. I was also told that they normally dont remove the PMI on a loan that is less than 5 years old unless home improvements have been done. I have put around {$20000.00} into the home since I bought it and I informed them of this. That is how they came up with the {$250000.00} figure. I asked again how much did we need to remove the ins. They again said $ XXXX. I told them to have an appraiser contact me. The appraisal was going to be around {$500.00}. An appraiser contacted me in a week and we scheduled the appraisal to be done a week after that. Happily, I found out the house appraised for $ XXXX. Two weeks later, Ditech contacted me and told me the house didnt appraise out for enough for them to remove the PMI. I told them what I had been told and I also told them that is why I ordered the appraisal. My realtor had already done the comparisons and I knew approx how much the house would appraise for. They said they saw in my file where I had been mistakenly told that we needed an appraisal of $ XXXX and they apologized for the mistake, but said they could not change the federal guidelines. I asked them if they were going to take responsibility for their mistake and pay for my appraisal. They said no. I asked to speak with a supervisor. She more or less told me the same. Said they would not cover the appraisal cost. I feel duped and stupid for believing their lies. I feel cheated. And mostly I am out {$500.00} for absolutely nothing. I am beyond livid. I am a single Mom who works very hard for my money and losing {$500.00} is a very big deal to me. 
Also ... several months ago I tried to apply some extra money to my principal. They informed me that they were unable to do this and that if I paid extra that it would be held and then applied to future payments. I would never have chosen this company for my loan, however about 6 months after buying my house I was informed that they were selling my loan to Ditech. I am mad and frustrated that these big corporations can pretty much do anything they want. Lie, cheat, take your money, and then take no responsibility for any of it. I dont know what to do now.
Consumer complaint received 2023-06-05
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. (AR)

On XX/XX/2023 I received an alert from TransUnion, XXXX and XXXX that ( XXXX ) XXXX credit card accounts was open. I called all XXXX bureaus. I explained to them that Ive never had an XXXX XXXX card. I also explain to them that there was no inquiries indicating that anyone applied for a line of credit. I filed a police report, FTC report and has dispute letters. I am a victim of identity theft. this has really hurt my ability to purchase a home. I have done everything that is asked of me
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2023 I ended up calling Trans Union THIRTEEN TIMES because the majority of the times I was either quietly disconnected or hung up on! 100 % of the customer service were from XXXX. I can not get into my online account at all. None of these knuckleheads were able to help. All they could do is apologize. 
On Monday, XX/XX/2023 I called Trans Union 5 times and the exact same occurrences repeated. I have repeatedly asked for management, called headquarters, emailed and more, to no avail! This company, in my opinion, should be shut down. Trans Union has a consumer rating of a 2.7 % out of 5. Scholastically, that's just above a " C ''. I have no ben able to access my credit file for over 60 days and TU is NOT helping in the least. They do not call back when they say, they drop calls frequently, they are rude over the phone and more.
Consumer complaint received 2017-11-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I subscribed to XXXX app on my XXXX XXXX for a 30 day free trial. At the end of the trial I did n't want the service so I tried to cancel the service. It is impossible to figure out how to cancel the service. XXXX 's website says to go to the XXXX XXXX store on my XXXX to manage the account and cancel the service but the APP does not have a profile or any way to cancel. I was charged {$100.00} on XXXX/XXXX/XXXX by XXXX They gave a number to call on my bank statement and when I call the number XXXX it tells me to go to the website. And that 's continues the Marry-go-round. This is a major scam by XXXX, to not get any cancellations. And its close to fraud when they say 30 day 's free trial because of the " negative enrollment '' if you do n't cancel within 30 day they will bill. But it 's impossible to cancel so I 'll get billed forever unless you can help me and probably hundreds and thousands of people who are being bill and want to stop it. This really is Bank Fraud because the bank billed my for the charges. So Fifth Third Bank is billing for a company that is bilking the public out of millions of dollars. I e-mailed 5th/3rd bank and they told me I authorized the purchase by agreeing to the 30 day free trail and not cancelling before the 30 days expired. Please investigate.
Consumer complaint received 2023-06-05
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. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT  XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2017-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I received a mail-in offer from Citi Bank promising a {$300.00} cash bonus if I opened a Citi Priority Checking Account. The qualifying activities required to receive the bonus were ( 1 ) make {$750.00} worth of purchases on the debit card, and ( 2 ) make 1 or more bill payments for 2 consecutive calendar months. I completed these activities and I have not received the cash bonus.
Attempts to resolve this issue with Citi Bank customer support : XX/XX/XXXX Spoke with XXXX + Supervisor @ XXXX Details : During the call XXXX XXXX filed an investigation, they also directed me to mail a letter to their HQ at XXXX XXXX XXXX , XXXX XXXX TX . Later I received a letter stating that the claim was denied. 

XX/XX/XXXX Spoke with XXXX Confirmation # : XXXX Details : During the call a second investigation was filed. Later I received a letter stating that the claim was denied because the offer was not attached to my account. 

XX/XX/XXXX Spoke XXXX Confirmation # : XXXX Details : No further resources left, claim is still denied. No payout of the promised {$300.00} cash bonus.
Consumer complaint received 2023-06-05
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)

Dear Sir or Madam : I am writing to dispute fraudulent charges on my account for the account numbers, amounts and dates listed. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 

Enclosed is a copy of my FTC Identity Theft Report, credit report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, COMPANY ACCOUNT NUMBER AMOUNT DATE XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$920.00} XX/XX/XXXX
Consumer complaint received 2017-11-24
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. (VA)

I have been trying to fix my credit report information with Equifax and XXXX all the necessary supporting document was provided to correct the problem but its seems like they can not provide and accurate information every time I called a information provided its always been different Ive been trying to fix my report since XXXX but until now information is still not fix Ive missed a lot of opportunity to get the House we wanted for our family and Im into the point of contact a lawyer and help me fixing this matter Ive wasted a lot of hours and time to give a very detailed information to make the process faster but until now its not being fix and the worse part is my credit score kept on getting lower because of all the inaccurate information
Consumer complaint received 2023-05-22
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: ENCORE CAPITAL GROUP INC. (FL)

please i need help i been sending disputes and nothing has change i need this to be resolved. Im trying to buy a house and i have damages on my credit report and things in my credit report that is not mine. According to the law 15 USC 1681 there should not be any damage on your report this is a defamation to my character.
Consumer complaint received 2017-05-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (OH)

for 8 years i have been trying to get a proper rate and terms from my mortgage company. They are taking half my income when 31 % is really all they are allowed to take. i have  XXXX  loans the first loan is {$200000.00} with almost 10 % interest for 55 or 60 years no one really knows, and i have a second loan that i got at the same exact time for {$50000.00} that has almost 11 % interest for 30 years i was told.     I am now 3 months behind and  NationStar has still  done nonthing but tell me i signed the paperwork.     {$2400.00} is roughly my total payment every month and if you do the math that comes out to {$230000.00}, and all but {$3000.00} has gone toward interest.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-05
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. (FL)

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

The  XXXX   XXXX ,    2016  application for a  HAMP 2 loan was denied because Nationstar INCORRECTLY calculated my Gross Social Security Income, and refuses to acknowledge and correct this ERROR, and approved me for a HAMP 1 loan  at a considerably higher monthly payment with less favorable terms.     ( see attache d 2 pa ges )
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (WA)

I opened a discover credit card five years ago. During these five years, I used this card for a lot of things they promise to give cash back to : food, gas, clothing. I have earned XXXX dollars of cashback and have never redeemed them. I have been paying my bills every month on time. In XXXX 2014, they suddenly closed my card said it 's some kind of business decision. Then I called them to ask for my cash back, that 's XXXX dollars cash back .They first told me that they are going to send the cashback in check to me. I waited and waited but never received it. I called again, they said they are going to send it, then I waited for another two months. But no check came. Then they told me that they decide to forfeit my cashback since my card is closed already. I earned these cash back XXXX dollar by XXXX dollar for about five years and planed to use this money for my travel plan this year. Discover just do n't want to give my money back.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc. (FL)

Coinbase offers a service called Coinbase XXXX. It is a prepaid debit card, and I have been using this service for over 6 months. You buy XXXX XXXX with XXXX Dollars to load the card with funds, and when you use the card, it withdraws the funds from the account. I have made 3 different purchased from XXXX for grocery pick in XXXX. Since it is a pick up, XXXX places a temporary hold on the funds until the pick is complete. It takes about 8 days and then the transaction reconciles to final amount of the transaction. I made 3 different XXXX grocery orders in XXXX and all 3 are not finalizing with Coinbase XXXX. The transactions are as follows : XXXX. XX/XX/2023 XXXX - Amount On Hold {$300.00} Actual Final Amount with XXXX {$220.00} XXXX. XX/XX/2023 XXXX - Amount On Hold {$260.00} Actual Final Amount with XXXX {$190.00} XXXX. XX/XX/2023 XXXX - Amount On Hold {$240.00} Actual Final Amount with XXXX {$170.00} There is a total on hold amount of {$800.00} and the final amount is {$590.00}. That is a {$210.00} that needs to returned to me. I have placed 2 different tickets with Coinbase : XXXX. XX/XX/2023 - Ticket number XXXX XXXX. XX/XX/2023 - Ticket number XXXX Not a single response from Coinbase for either ticket. I responded 2 times to the first and 3 times to the second one. No one will answer me. I have called customer service and all they say is that they will put in a ticket and then to wait for a response.
Consumer complaint received 2023-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX XXXX updated a listing ( Bank of America : XXXX ) with new information. However, according to the documentation I have attached from the creditor, the payment history is incorrect. They are reporting 2 consecutive months of 180 days late ( XXXX XXXX ), when that isn't possible if 30 days passed after the initial 180 days late was recorded. There is also no record of payment history for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX as well. The amount of late payments are also wrong ; XXXX is reporting 7 late payments on this account to my credit report, but that does not align correctly with the reported payment history. 

Also, in accordance with FCRA Section 623 ( 5 ) ( A ), it is an illegal act to " re-age '' any debt, which happens to be the case for every month after XX/XX/XXXX to today 's date, where XXXX proceeded to update each month with a " charge-off '' status ; practices deemed illegal per the previously referenced law. 

It has now been another 30 days since they received my letter detailing this issue, and I haven't even gotten a notification that they processed my dispute. Due to the negligence, a response/resolution within 15 days is now required per the FCRA. This means they didn't contact the creditor, and violated my rights as a consumer.
Consumer complaint received 2017-04-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

The loan officer maintained control of the wireless mouse and told my husband and I he would walk us through the disclosures but he never passed us the mouse to give us control so that we could read through to click or check off to agree with or read the disclosures. We had every intention of completing the process but what if others do n't. Is this the norm?
Consumer complaint received 2017-11-21
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (TX)

XXXX Nelnet, I still have yet to see the contract granting you the rights/Jurisdiction, regardless of what you are insinuating. You still must prove your jurisdiction. I am attaching this document and I suggest you seek legal counsel. Also attach the papers that were sent to you office regarding discharge and dishonor. ; - ). I wonder why US department of education is not responding but you are and are claiming to be the servicer ..lol Thanks, but i dispute to contract with your company and we can get the UPU involved if need be.