davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Grain Technology, Inc. (GA)

On XX/XX/XXXX, Grain Technologies charged me a {$80.00} Annual Fee for your services only to COMPLETELY ELIMINATE my credit line ( their service ) less than two months later without refunding the fee paid, THROUGH NO FAULT OF MY OWN. I requested assistance from Grain and manager XXXX on XX/XX/XXXX and two months later, have not received a response. This is not only dishonest business practices, this could be interpreted as fraud. Its predatory on people with challenging es credit trying to do the right thing as Grain advertises itself to be. 

I was never given the option to close the account ( with a refund ) and Grain refuses to provide proof of this despite consistently indicating they have. XXXX previously indicated that the notice was sent in LATE XX/XX/XXXX per the attached denial and states I had 45 days to take action for this material change. Grain received an email on XX/XX/XXXX regarding this and waited more than 6 months to escalate it to a manager, XXXX who did not acknowledge this, but instead stated that Grain was within its rights to continue this fraudulent activity. At this time, XXXX copied the contents on the reported email which included NOTHING giving me the option to close my account for a refund, hence why I reached out to them via EMAIL AND NOT PHONE so no one could say there was any misunderstanding. This is all in writing and Grain still refuses to be honest regarding this, despite advising several times that the are legally required to refund me for the breach of contract. 

To add insult to injury, Grain is stating the excessive fee is related to credit reporting despite there being NO TRANSACTIONS to report, NO CREDIT LIMIT, and NO OTHER CONTACT WITH THE BUSINESS OTHER THAN TRYING TO GET THIS ACCOUNTS FEE REMOVED and the account closed, listed as at consumers request to the credit bureas. 

In fact, its actually HURTING my credit because of the company issue credit line decrease. Per the CFPBs own report published on XX/XX/XXXX, Credit line decreases tend to coincide with decreasing credit scores, exactly the OPPOSITE of what Grain claims the are charging me to do, through absolutely no fault of my own ( which Grain has acknowledged ). This companys intentional mis m-advertisement is consumer fraud at its best.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NJ)

My credit report reflects three consecutive mortgage lates back in XXXX, XXXX and XXXX of XXXX suggesting that I was late in XXXX, XXXX and XX/XX/XXXX ( 30 day reporting ) I wrote the Wells Fargo on XX/XX/XXXX disputing this report. I submitted both the credit report as well as my bank statement reflecting payments and dates for a full calendar year for both my Wells Fargo accounts. I received a general acknowledgment response thanking me for my inquiry stating that I would be provided a response by XX/XX/XXXX. On XX/XX/XXXX I received a letter stating they were unable to determine my specific concerns. Additionally, I received a phone call that same day stating that they had resolution and basically reiterated what they show in their system. I asked them if they looked at any of my supporting documentation that reflected timely payments through my bank and that I thought they had an internal issue with how they applied they payments. This is consistent with how their statement reflects missing payments in XXXX and XXXX then multiple payments in XXXX. They admitted to not looking at the information and stated it would take more time. On or about XX/XX/XXXX, I received another phone call stating that they would not resolve my issues unless I submitted more supporting documentation. Since that time I have tried to get qualified for a mortgage on a new home and have been plagued with this inaccurate reporting. The new mortgage company that I have worked with has received very little cooperation from Wells Fargo to resolve this as well. I am now stuck with the inability to get funding for a new home while in the process of moving. I believe Wells Fargo has carefully walked the line in regards to being compliant with the FRCA, from a timing perspective, but has not done anything ethically to resolve the situation.
Consumer complaint received 2023-06-16
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: SANTANDER HOLDINGS USA, INC. (AR)

Delete ASAP. I have not supplied proof under the doctrine of Estoppel by silence, Engel Hardt v. Gravens ( MO } 281SW715,719, I may presume that no proof of the alleged debt nor any such debt in fact exists.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2021-05-10
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. (KS)

I have contacted all of the companies below and they have no record of me inquiring for any of these. I have also reached out to the fraud department at Equifax and they have yet to do anything with them this was done more than 45 days ago. These are all fraudulent inquires. None were authorized. 

XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

This bank lost my {$4000.00} Cashier 's Check that I mailed to their physical address via XXXX Registered Mail on XX/XX/2023, received on XX/XX/2023 and signed for by a XXXX XXXX on XX/XX/2023 at XXXX. This bank has absolutely no clue what happened to my check. I opened a case. I asked for a full investigation. I asked this bank to ask XXXX XXXX what he did with my check after he signed for it. This bank claims they fully investigated this matter and closed my case. The {$4000.00} is still owed.
Consumer complaint received 2020-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I have disputed this debt with the credit bureaus as well as the creditor. The collection company responded by saying they were unable to locate my account or any valid documents proving I owe the debt. 

If option is available I can send copies of my letters as well as the creditor 's letter. 

Would like this removed from my report immediately as it is damaging, against the law, and ruining my chances of getting approved for more credit. 

Thank you for your help in this matter, XXXX XXXX
Consumer complaint received 2019-04-16
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)

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-09-25
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. (IL)

XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-18
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. (TX)

This is my several request to 3 Three Credit Bureaus to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The account is still reporting to my credit file held by them. This account is opened fraudulently. I informed them of the issue & provided them with the required documents to correct the account via FCRA. They have failed to verified the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account be corrected by the bureaus from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

EXPERIAN reporting inaccurate credit information on my credit report. On XX/XX/XXXX I asked EXPERIAN ( via certified mail ) for verification to show me any valid documentation with my SIGNATURE that I give permission to these companies to run my credit report. EXPERIAN FAILED to provide me with any valid proof and continue to report inaccurate information on my credit report. EXPERIAN failed to do a proper investigation. Because of this inaccurate INQUIRES reported on my credit report. I was denied for apartment rental, denied for a car loan, I could not apply for anything. The most painful time of my life, especially now in COVID-19. PLEASE HELP. ( please see attached ). EXPERIAN violated the federal law and FCRA law. 

They fail to provide me any evidence, they refuse to delete the inaccurate information from the credit report. And they said the item was verified as accurate without any clear evidence. They completely ignored my mail and communication. 

The following HARD inquiries were without authorization, and for no legitimate business purposes. I HAVE NOT AUTHORIZED. As such, it is a very serious error in reporting. 

MUST BE DELETED IMMEDIATELY : : XXXX XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX / Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed the change orginally when I only spunt XXXX on a ring and maybe XXXX or less and instead of being at XXXX or XXXX I was left with XXXX and the told me nothing was wrong and because they changed my documents my numbers on the solution sheet ( the summary account summary ) I was left looking as if Im accusing the Bank of America company! I just want my money bank that they took from me Im owed at-least XXXX dollars for fees and an additional XXXX for theft and pain and suffering! and XXXX be satisfied with those further taking actions to make me the perfect citizen who was under attack so I can further more open up an account with an credit union! Something more professional and safe. Im sure if you pull up ip files etc Im not wrong my number is I was unaware about credit unions unTill this last time I closed out my bank and I had to complain to family for emotional support and it really bothered me till they gave me new advice and told me XXXX day theyll probably have an opening hearing about this and I seen it in the news yes today is my lucky day. Feeling great already thank your staff! My name is XXXX XXXX XXXX ready to receive a check form of payment for a response. This happened XXXX
Consumer complaint received 2022-12-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

I filed a motion to compel the foreclosing purported claimant Goldman Sachs Mortgage Company to produce the original " wet ink '' Note in my XXXX XXXX U.S. Bankruptcy Court proceeding, case no. XXXX, heard in XXXX, Massachusetts. The foreclosing corporate entity failed to produce anything. I have a right to verify whether said entity actually owned my Note when it purportedly foreclosed my property. 

I am hereby demanding the CFPB compel the purported foreclosing entity to produce a complete chain of custody of MY NOTE, that I issued, and that they claim they owned, not simply held, when they purportedly foreclosed the mortgage on my home located at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Massachusetts, on XXXX XXXX XXXX 

I demand evidence in the form of a sworn statement indicating with specificity the complete chain of custody of MY NOTE, from the moment I issued it to XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX, to the present time, including dates of transfer, owners of my Note in whole or in part, " holders '' of my Note that may not have owned it in whole or in part and identified as such, and if ownership was/is claimed in part, the exact amounts of ownership claimed, with supporting documentation.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (OH)

On XX/XX/23 I received an email from Credit Karma stating : A new card could be just a few clicks away, XXXX. And whether it's a higher credit line, a low intro APR or new rewards, Credit Karma makes it easy to find the card features you're looking for. 

You already have Outstanding Approval Odds*, so head back to pick up where you left off. 

I trusted the information received. I applied for the card and was declined. I was hoping to get a lower APR and balance transfer. Instead I ended up trashing my credit score in the process. It lead me to wonder why are they ( Credit Karma ) allowed to do this? 

They pray upon individuals who trust their information that gives false hope using deceptive practices. Is there anything that can be done?
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (MO)

American Express said I had a bill still owing {$2.00}. Was opened up on XX/XX/2015. This is not mine at all. I couldnt even get an American Express card. Now they are using my name, social and everything. I want it off
Consumer complaint received 2018-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (GA)

Dear CFPB I have requested from Roundpoint Mortgage Servicing Corporation [ RPMS ] an audit of all credits and debits to include new monies in the amount of {$21000.00} added after the loan modification. I have made this request on several occasions dating as far back as XX/XX/XXXX. RPMS finally replied on XX/XX/XXXX, but RPMS continues to refuse to account for new monies in the amount of {$21000.00} added after the loan modification with XXXX XXXX   was approved. 
I have been in discussions with XXXX XXXX, employee initials XXXX, at XXXX XXXX. XXXX XXXX was the original loan initiator on XX/XX/XXXX and XXXX XXXX   stated that ALL information pertaining to this loan was transferred to RPMS. 

Here is a recap : *Original loan date and amount XX/XX/XXXX {$410000.00} *12 month forbearance period ( XX/XX/XXXX ) with XX/XX/XXXX *Loan modification approved after 12 month period by XXXX XXXX *Loan transferred to RPMS at the end of the forbearance period on XX/XX/XXXX * {$10000.00} paid during forbearance period at $ XXXX/month *Interest paid for XX/XX/XXXX was {$12000.00} *Interest paid for XX/XX/XXXX was {$6300.00} *Loan balance when transferred to RPMS was {$400000.00} *New money in the amount of {$21000.00} added after XX/XX/XXXX *Current Principal balance {$32000.00} ( I have paid off more than 90 % of the principal amount ) Amount in dispute {$21000.00} plus interest Quick math : *The forbearance period was 12 months *One years interest is approximately {$12000.00} ( XX/XX/XXXX ) *The interest paid in XX/XX/XXXX was {$6300.00} *Roughly {$6400.00} in past due interest *Late fees and penalties waived by XXXX XXXX during the forbearance period The attached documents from XXXX XXXX will confirm the quick math and do not show a {$21000.00} in `` delinquent interest ''. 

In the letter dated XX/XX/XXXX, XXXX XXXX XXXX, RPMS SR Vice President, response states it is delinquent interest but refuses to provide a detail audit of this amount in addition to all payments received during the forbearance period. I have been requesting this audit since XX/XX/XXXX. I understand my signature is on the loan modification documents but RPMS still has to give me a detailed audit of the {$21000.00}. I noticed this amount shortly after I signed the loan modification documents and questioned it immediately there of back in XX/XX/XXXX to which I was told it would be corrected. 
Understand that {$21000.00} plus interest is a large amount which a homeowner would not ignore ; much less a questionable practice like this one from a financial institution.

My attempts with RPMS to correct this issue have been in vain. RPMS shows it's arrogance by refusing to provide a detailed audit of these so called " delinquent interest '' and all payments received.

Respectfully,
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (FL)

I purchased a few {$200.00} XXXX gift cards provided by U.S. Bank from XXXX in XX/XX/XXXX. Most of them got used quickly, but one did not get used. It remained in my desk, unopened and in its original packaging until XX/XX/XXXX when I tried to use it. I got a rejection when trying to pay a bill, which seemed odd as I had just opened the card. I logged into XXXX and checked the card and found it had 4 charges that I had not made. These charges are as follows : XX/XX/XXXX - {$24.00} XXXX XXXX- XXXX XXXX XX/XX/XXXX - $ {$53.00} XXXX  # XXXX XXXX/XXXX/XXXX - {$71.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX -  {$31.00} - XXXX XXXX # XXXX I immediately called XXXX and let them know about the issue with the card. They closed that card and gave me the information for PrePaid Debit Disputes and said I would have to continue working with them. Their office had closed for the day, but the lady at XXXX said I should contact them and also fax them the information during business hours. The lady also closed out that existing gift card and said she would send a new gift card to me with {$18.00} which is the amount left on the {$200.00} card. She said that as the disputes got resolved, I would receive credits on that new card. I waited until XX/XX/XXXX which was the first business day after that call and faxed the information to PrePaid Debit Disputes and immediately called them. The lady on the other end could not find my fax at that moment, but told me to contact them 2 - 3 business days later and check to see that the fax had been received. I called back 3 days later on the XX/XX/XXXX and verified that the fax had been received. That associate told me I should be expecting a follow up in the mail to process an affidavit from me about the dispute. On Tuesday, XX/XX/XXXX I received the new gift card with instructions on how to activate the card. On Friday, XX/XX/XXXX, instead of receiving an affidavit request in the mail, I received a letter saying that they were unable to assist with my dispute due to the fact that my notice was received beyond the time frame allowed.