davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018 I submitted letters to all three credit bureaus ( Transunion, XXXX, and XXXX. I sent all letters certified and confirmed all received by the bureaus. I submitted a dispute to have all 5 XXXX XXXX XXXX accounts removed from my credit report as well as the US Bnkpt CT FLXXXX account as they do not belong to me and should not be on my credit report. I received a response from XXXX on XX/XX/2018 with confirmation that 4 of the 5 accounts were deleted. I was some what pleased because none of these accounts belong to me and so far 4 of the 6 have been identified as it not and being deleted. As of today XX/XX/2018 All three reports including XXXX  are still showing all of the accounts on my report and none deleted. XXXX mailed me the first response saying this has been deleted but it is still showing on all three credit reports.
Consumer complaint received 2018-11-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED BANKSHARES, INC. (CA)

- We put down {$99.00} earnest money and $ XXXX  towards structural changes ( 20 % of the structural changes ) on a new build on XX/XX/2018 - We were reassured over and over again by XXXX XXXX  ( builder 's ) realtor that this was all at no risk. If we did not receive orders from the Military to VA, we would get all of our money back. My sister and husband were both present for this talk -We trusted our realtor XXXX XXXX  to double check that contingency, he did not, so it is not in the paperwork.

-However, we have on the contract that we will be using a VA loan. The VA will not approve a loan for a home that you can not physically occupy for a required amount of time -We were pre approved using their preferred lender at the end of XX/XX/XXXX

-XX/XX/XXXXwe supplied our VA info for eligibility -XX/XX/XXXXwe received notice that our VA eligibility was $ XXXX  less than expected because we had a previous VA compromise sale -We were told at the time of our compromise sale that it would not effect our eligibility. That info was obviously incorrect.

-We are now being asked to either switch to an FHA for closing with {$24000.00}, or bring $ XXXX to the table upon closing for a VA. Neither of which we agreed to.

We now have TWO strikes. We can not come up with the $ XXXX   they're requiring from us, and we do not want an FHA. We also do NOT have current orders to VA. We will receive hard orders in the next few weeks ( possibly not until XX/XX/XXXX ). They will show a detachment date ofXX/XX/XXXX from our current command, and an attachment date to the XXXX XXXX Virginia command in most likely XX/XX/XXXX or possible XX/XX/XXXX, or XX/XX/XXXX. But al of this can change.
Consumer complaint received 2018-11-16
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 — Investigation took more than 30 days
Company: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. Additionally, I submitted a complaint that they exceeded their 30 day response period on XX/XX/2018 and still no responses. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA The item is as follows : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Hello, I opened Citibank Account Package on XX/XX/2018 by clicking their bonus link ( attached 1 ). The offer stated to Receive a sign up bonus of {$300.00} when you open a new Citibank Account Package and transfer {$15000.00} to the new checking account within 30 days and maintain for 60 days. The bonus should be posted within another 90 days. 

I confirmed the bonus term with chatting onXX/XX/2018 ( attached 2 ), and completed the transfer on XX/XX/2018 ( attached 3 ). I confirmed that I met the requirement by calling Citibank on XX/XX/XXXX, and was told the bonus will be posted by XXXX ( confirmation code XXXX ). But I received 3 emails on XX/XX/XXXX, XXXX, and XXXX from Citi, saying I enrolled in Citibank {$50.00} to {$700.00} Checking Offer ( " Offer '' ), but have not fulfilled the Offer 's required activities for the following reason : The offer requirements were not completed within offer period. 

I XXXX  this different offer ( attached 4 ). Apparently, this is not the offer I signed up, and the system messed up with my offer and this offer, and determined not to post the bonus. Theres even no explanation on which requirements were not completed. 

I chatted online with a Citibank agent, XXXX on XXXX ( attached 5 ). Initially he admitted that I met the requirement of {$300.00} and he will find out why its not posted. When I told him about the email regarding a different offer, he said they are the same offer. But he could not explain which requirements were not completed. He said he will ask someone to look into this and reply me within 7 days ( Citibank Service Request # XXXX, Reference : XXXX ). 

Now its been half a year since the transfer of the money, and 10 days since I last contact with Citi. No bonus posted, no reply, no explanation. 

Please Citibank, honor the offer you provided. 

Thanks,
Consumer complaint received 2018-11-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/2018 I submitted a dispute to Equifax. As of XX/XX/2018 they had not responded so I submitted a complaint that they had not responded in the 30 days regulated by the FCRA and requested they delete the items in question from my report per FCRA. On XX/XX/2018 they sent a report, in violation of the FCRA, showing they had not removed those item as listed below : ACCOUNTS XXXX XXXX  XXXX not mine PUBLIC FILINGS XXXX not mine
Consumer complaint received 2017-12-27
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: Experian Information Solutions Inc. (IL)

Contacted XXXX, XXXX and experian on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same amount.
Consumer complaint received 2018-11-17
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: Resurgent Capital Services L.P. (AZ)

These accounts are being illegally reported on my credit report. On XX/XX/18, XX/XX/18, and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!
Consumer complaint received 2018-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/18 I submitted a transfer for Bill Pay through Western union at a XXXX Kiosk for {$200.00} and wanted it sent urgent for an additional amount of {$9.00}. I paid cash and was given a receipt for the transaction and a tracking number. A few days later I realized the payment never posted and when I checked the status online my payment was placed on hold and I was to contact Western Union customer service. I was told to return to XXXX to have them call as well, then told to wait 48 hours. After 48 hours I returned and was told to wait another 48 hours for a full refund. During that time I filed a complaint via email to western union and was told I could return to the store to have XXXX refund me. Once again this did not work. Somehow there is a breakdown between the 2 companies. Western union claims XXXX owes me and XXXX is saying Western Union needs to provide a tracking number so that I can get a refund. The money was sent from XXXX so the mistake appears to be on Western Unions end but they have not budged and I keep getting the run around as they investigate then prematurely tell me to return to XXXX for a refund. It has been 5 days since I initially contacted them for a refund and was given a case number. I was finally able to find a member for the corporate office and spoke with someone who is forwarding my case. I should hear from someone in about 2 business days which since its Friday, means at least another 4 days before I can get my money back. Considering the run around I've been given all week, I'm not hopeful corporate can help me because they still have to contact the same people who investigated in the first place.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PNC Bank N.A. (PA)

Company representative strung us along 36 days promising he would get our mortgage at the terms we were pre-approved for. We provided documentation supporting our stated income. They denied two of our sources of income, cut the mortgage by {>= $1,000,000} dollars and said we had to have {$200000.00} down or go somewhere else that would accept our income as stated. They de-activated our application before the end of the active period. We went to another lender and got approved in 10 days. They would not co-operate on transferring the appraisal. We had to pay for a second appraisal. Attempts to contact Client relations by phone and e-mail were ignored. Upon finally reaching them, they promised to resolve appraisal issue in 2 days or refund the fee they charged us. Havent heard anything.
Consumer complaint received 2024-04-24
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. (NV)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2018-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America Credit Card & XXXX XXXX stolen 2+ years ago. Companies continue to attach fraudulent charges to my account. I have spent many hours on the phone disputing these charges. Most recently, B of A sent me a physical letter saying that they would reimburse me for {$33.00} worth of XXXX XXXX in XXXX. I live in XXXX. That was the only charge on the statement. They have not done so as of XX/XX/2018. Today I received a new bill for {$35.00}. I have good credit. I dont want this bad Credit Card policy to affect my credit.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Dear CFPB, The XXXX of XXXX XXXX, I have done a SEPA deposit funds of XXXX euro to XXXX to fill my account on the XXXX XXXX platform ( XXXX XXXX XXXX ). 

At the time I am writing this message ( XXXX of XXXX XXXX XXXX my XXXX account has not yet been credited with the XXXX euro I sent to them. 

I have also opened a case on XXXX support where I provided XXXX XXXX Wire traking info ) but I have got no anwser. 

I have also try to call XXXX Phone Support at +XXXX ( XXXX XXXX XXXX and not body anwser after almost hanging two hours and a half. 

Could you help me to get my money back? 

Best Regards
Consumer complaint received 2023-03-23
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$3500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit card or prepaid 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: Block, Inc. (PA)

To Whom It May Concern : I have an on going dispute with Afterpay, as I ordered some items back in XXXX from XXXX from XXXX. At the time XXXX was offering a VIP program I declined. I received and paid for my items through Afterpay I received those items and thought that the transaction was complete. 

Afterpay continued to charge for the VIP. I disputed these charges and closed the account that I used at the time. That account ended in XXXX. I called out to XXXX on XXXX and I have confirmation that the account was closed. 

Afterpay used the account ending in XXXX to continue paying for the Fabletics VIP membership that I no longer have. I DID NOT GIVE Afterpay permission to use this card. I guess I am still in dispute with them. 

I called the issuers for the card ending in XXXX disputed this transaction and canceled this card as well. I want them to stop. They are like a bad boyfriend with an STD.
Consumer complaint received 2018-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I emailed my mortgage company and asked that they review my loan to see if Private Mortgage Insurance ( PMI ) was still required. I had reviewed my loan disclosures ( attached ) which showed the 80 % PMI requirement should have been met in XXXX, XXXX. 

At the time of loan the house appraised for {$420000.00} and our loan was {$36000.00}. As of today our current principal balance is {$330000.00}. The PMI information on the lenders mortgage insurance page say we have no lates and reflects the scheduled 80 % LTV date is XX/XX/XXXX. This date seems to change from month to month. I have included the page from today 's inquiry for reference. 

In the response I received from the lender ( attached ) it says the PMI will end in XX/XX/XXXX when the loan is at 78 %. 

Can you confirm if this is accurate? I feel as if we are being strung along.
Consumer complaint received 2018-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

OCWEN is our mortgage loan servicer, but has refused to provide the opportunity for our mortgage loan to be reviewed for retention options. Instead, they have been pushing for a foreclosure sale that is schedule for XX/XX/2018. We reached out to OCWEN six month ago when we were only three months behind on our payments, but their representatives and process is not providing us the assistance that we should have received. They claim that they can not change the terms of the loan to make it affordable, but we are making plenty of money and can afford our mortgage payment. We do not feel that we have a real single point of since it is impossible to get a hold of her. We can not understand their representatives when we call in, are tired of fighting them and would rather work with them, but this has proven to be impossible. We have been given the runaround for six months as they have consistently denied us access to mortgage assistance options. Never have the offered us a foreberance, payment plan or a modification over the last six months. They only say for us to pay the entire past due amount, plus attorney fees, or get out of our home. From the start, this was a bad mortgage as we were put into an interest only loan when we purchase our home. Then, when we refinanced, our situation only got worse, as the refinanced loan put us on the cusp of affordability. When we had a detrimental financial event, we fell behind on our mortgage. Our hardship began last year when my wife and I both lost our jobs and then we had family members who fell ill. We quickly got back on our feet and tried to work with OCWEN , but they have denied us twice and never sent us denial letters. We had to find out over the phone and feel they are being deceptive. Their lack of cooperation is at the very least unethical, but maybe illegal, as they should be willing to help homeowners. I see that they fined over {$2.00} billion by our government, but we question if that made a dent in their behavior, as they seem uninterested in helping us. We have been treated unfairly by OCWEN and need help dealing with them.
Consumer complaint received 2018-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2018 I Made a payment of {$3000.00} through PayPal for marketing services for my business. I tried getting my money back because there service was never delivered and the merchant ignored me. I tried to contact PayPal and they say they could nog help me and the fraud department could not help me. now I lost money I don't have and PayPal is harassing me to pay my negative balance on my account that occurred because my business partner payed me the {$3000.00} to advertise and made a dispute against me. 

I have tried everything to show that the other company scammed me.
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

Approximately XX/XX/XXXX, I contacted Equifax to correct my account as I am a non resident of XXXX and hence, I do not own SSN or ITIN. My XXXX SIN is reported in the system and for my most explanation, it looks identical to ITIN and it should not be there!! 
I offered them copies of my XXXX documents to prove so they 'd correct my file, however, this is getting no where as I am transferred back and forth. I know for a fact is that they do credit reporting, they HAVE to CORRECT any improper information under reviews rather than turning customers away.
Consumer complaint received 2023-03-23
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXXXXXX 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 2018-11-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (MA)

Last year I called to have the delinquent status removed from my credit report since my student loans were consolidated to another lender but Sallie Mae is still reporting it on my credit as being delinquent, and this was an account from 2005 that I have consolidated. Can you please help me to remove this delinquent status off of my credit because Im in the purchase of trying to purchase a house and different lender that check my credit for a home mortgage or credit increase are stating that I have serious delinquency on my credit but that was from then that is closed.