davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-10
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. (MD)

Trans Union have 3 listed unauthorized inquiries that is hindering my credit file. These fraudulent inaccuracies need to be deleted immediately.
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC (IL)

We reached out to Roundpoint Mortgage Servicing LLC ( XXXX XXXX XXXX XXXX, NC XXXX ) with three email attempts ( XXXX XXXX, XXXX. XXXX, and XXXX. XXXX ) using their email XXXX to request to remove our Private Mortgage Insurance ( PMI ) since we just reached the threshold loan-to-value ratio of less than or equal to 78 %. ( Please see Exhibits 1-3 in the attachment. ) We did not hear anything from them and we are still waiting for a reply on these emails. 

On XX/XX/XXXX, we called their phone number XXXX to speak to a representative of the company. Unfortunately, we did not reach any resolution from our request to remove our PMI in our mortgage. Our full experience of the call is memorialized through our review of the company ( see Exhibit 4 attachment ) in the XXXX  website ( see full website listed below ). The company representative, without any warning, immediately hang up before we can resolve the issue. We are still awaiting for a proper resolution of our request to remove the PMI in our mortgage as of this writing. 

XXXX XXXX XXXX
Consumer complaint received 2021-10-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (NC)

Im on XXXX and planet home lending gave me 2 forbearance. I had XXXX county paying my mortgage payment and when the forbearance came up The department refused to pay and now I have six payments late. My money was not in my control. The mortgage people knew this and this is in my name, but I had no say
Consumer complaint received 2019-09-28
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (AZ)

This morning ( XX/XX/2019 ) I went to my Bank here in XXXX XXXX XXXX, Az to deposit a cheque. 
My wife and I are XXXX snowbirds and I am currently down at our home for about four weeks before returning home to XXXX. 
Since purchasing our home here, we have done all our banking with Wells Fargo. 
Before I left for the bank this morning, I typed into XXXX " What will {$1400.00} in XXXX dollars equate to in American dollars at Wells Fargo. I was then sent to a Wells Fargo website with a currency calculator. I entered the amount and it said I would get {$1100.00} in exchange. 
I then drove to my bank and proceeded to make the deposit. 
I asked the teller exactly what amount they were depositing in exchange for my {$1400.00}. XXXX. 
I was told it would be {$1000.00}. 
When I said that did not match the amount I had just been told less than half an hour earlier, the teller said she had no idea why the numbers were different and I would have to talk with one of their service agents. 
I then went to the appropriate area and was soon speaking with a young lady who upon hearing my question, pulled up the same website and got the same figure I had been provided. After checking various screens she said she had no idea why there was a {$91.00} difference in what Wells Fargo gave me for my deposit. She then said she would have to speak with the Branch Manager to try and get an answer. When she returned a couple of minute later, she said the difference was because I had deposited a cheque rather than cash. 
When I pointed out that was approximately a 8 % fee and that a {$91.00} dollar difference seemed to be unusually high, I was told she did not know the exact rates - just that her Manager had said the difference between what their website said and what they actually gave me was due solely because I deposited a cheque and not cash. 
As it was clear nothing further was going to be forthcoming, I thanked for her help and left. 
Could you please confirm for me if such a high fee for depositing a cheque written on one of my XXXX bank accounts is reasonable? 
And if this is so, should their website not distinguish between cash and cheques when providing a rate on their Currency Calculator, so a user is not left with the shock of losing an additional {$91.00} ( due to some fee even the banks own staff are not aware of ). 
Thank you for your help in clarifying this matter for me. 

XXXX XXXX XXXX
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Payfare International Inc. (MD)

I had a horrible experience with delays and unnecessary hardship getting a {$2.00} refunded from this company ( see CFPB complaint XXXX ), so I decided to close my Payfare XXXX account. I sent an email requesting that my card & account be closed, and I received written confirmation from Payfare that my account was closed. My XXXX  was also automatically deleted from my XXXX XXXX wallet, and I destroyed the physical card. 

A few days later, I found out that XXXX had issued a {$4.00} refund to the now-closed XXXX  card for an item I paid for but never received. I sent an email to Payfare asking for a check for the {$4.00} refund that was processed to be mailed to me. At first, I was told I wouldn't be getting the refund because I had closed the account. I sent a second email pushing back on this and asking if Payfare would be keeping the refunded money, after which I received an email from another Payfare agent stating he had reopened my XXXX  account without my permission or notifying me first so that I could retrieve the refunded money. 

My login credentials no longer work to log into the XXXX XXXX, and when I use the " Forgot Password '' feature in the app it says that it is sending a verification code to my email which I never receive, despite numerous attempts. Without a physical card or access to the app, I have no way to retrieve the money in my account. 

To make matters MUCH worse, by reactivating my XXXX account without my permission and without notifying me first, current work earnings from XXXX  XXXX  have been diverted to this XXXX account which should have been closed. With the addition of these funds, there is now {$47.00} in this XXXX account which I can not access. 

I have sent the company numerous emails stating that I can not access the app and explaining my frustration, and they seem to have stopped responding. This is beyond unacceptable. I closed this account and received written confirmation is was closed. Payfare had no right to re-open the account without my permission. Merchants can issue refunds on debit card purchases for up to 12 months, and most refunds go straight to the original payment method without any chance for the consumer to change it. It is unacceptable for Payfare to not have a procedure in place for returning refunded monies to prior customers without re-opening their accounts. I know when I closed my XXXX  XXXX XXXX account, for example, when I got a refund to my debit card 6 months later, they simply mailed a check to me for the refunded amount and did not need to reopen my account without my permission to do that.
Consumer complaint received 2019-09-28
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: Experian Information Solutions Inc. (FL)

DISPUTE REASON : EACH CREDIT BUREAU XXXX, XXXX, EXPERIAN ARE REPORTING DIFFERENT DATES FOR THE LAST PAYMENT ACTIVITY ON THIS XXXX CHARGE OFF ACCOUNT ON MY CREDIT REPORT. 

REMOVE THIS ACCOUNT DUE TO THE FACT THAT THERE ARE DIFFERENT DATES LAST ACTIVE REPORTED. HOW CAN THERE BE DIFFERENT DATES WHEN THIS IS WHAT STIPULATES WHEN THE ACCOUNT NATURALLY FALLS OFF? ACCORDING TO THE FCRA YOU CAN NOT REPORT INCORRECT DATES AND IS IN DIRECT VIOLATION OF MY CIVIL RIGHT AND THE NEGATIVE ACCOUNT MUST BE REMOVED DUE TO INACCURACY. I ALSO DO NOT BELIEVE THAT YOU DID AN INVESTIGATION. THAT MEANS THAT YOU MUST PROVE TO ME THAT YOU DID AN INDEPENDENT INVESTIGATION AND DID NOT JUST REPEATED THE SAME UNVERIFIED INFORMATION. IF YOU CAN NOT PROVE TO ME THAT YOU DID A PROPER INVESTIGATION THIS ACCOUNT MUST BE REMOVED IMMEDIATELY AND PERMANENTLY. PLEASE REMOVE THIS UNVERIFIED ACCOUNT UNLESS YOU CAN FURNISH A SIGNED CONTRACT.XXXX  reports XX/XX/2014XXXX XX/XX/2014
Consumer complaint received 2020-09-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (OH)

Im trying to buy a new truck and the place where im getting the truck told me that I owe American Express a large sum of money which is incorrect. I called American Express they said they are showing the same thing but I do not have a balance on the card. I dont know how long this has been going on but its affected my credit alot. They told me that they would fix the problem but still haven't Im beyond mad because I probably wont be able to get the loan for the truck because of them.
Consumer complaint received 2022-01-13
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$80.00}
Consumer complaint received 2020-07-24
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-04-30
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. (DE)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$19000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-01-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (IL)

Inquiry made by : XXXX XXXX XXXX Inquiry made on : XX/XX/2020 To Whom it May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report and notice that there is an unauthorized credit inquiry made by the company XXXX XXXX XXXX XXXX The listed inquiry was without authorization and I deny making it. I would like to dispute the authenticity of this inquiry.
Consumer complaint received 2021-06-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. 

Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower. This is enabling identity fraud and extortion at its finest. Why would you just allow any collection company adding to my credit report without my permission? I NEVER gave permission nor was advised on ANY of these accounts reporting. Pursuing legal assistance due to distress with investigating and the whole situation in general. Multiple violations. Im seeking compensation.
Consumer complaint received 2022-04-30
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 — Was not notified of investigation status or results
Company: V and H Portfolio (OH)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/2022 Re : Account Number XXXX
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have not initiated any transaction with CBNA. Further, I do not have an " account '' as defined under 15 U.S.C 1693a ( 2 ) with CBNA for review or collection.
Consumer complaint received 2018-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (OK)

In XX/XX/XXXX, I received a direct mailer from KeyBank offering a {$400.00} promotional reward for opening a checking account. The promotion code on the offer was XXXX. The requirements were that I open the account before the end of XXXX, have one automatic deposit in the amount of {$500.00} in the first 60 days, and pay {$40.00} for membership in the rewards program. On XX/XX/XXXX I stopped by a local KeyBank branch in XXXX Colorado and opened a checking account depositing {$50.00}. The branch representative admitted he had never seen the offer previously. He made a copy of the promotional mailer I received and attached it to my account paperwork. 

In XX/XX/XXXX, I received an email from KeyBank informing me of what I need to do to earn a {$200.00} bonus. The amount and requirements were different than I had signed up for. I then contacted KeyBank via email to find out why the promotion changed and they proceeded to tell me I signed up for promotion XXXX and not XXXX. After elevating this issue, I was then contacted by the branch representative at the local branch in XXXX, Colorado and he assured me he had fixed the issue and that I should receive the full {$400.00} promotional reward 90 days after the automatic deposit hits. On XX/XX/XXXX, he also withdrew {$40.00} from the checking account to pay for the membership in the rewards program required under promotional reward XXXX. On XX/XX/XXXX, the first automatic deposit for {$500.00} hit the account completing the requirements for earning the {$400.00} promotional reward. 

On XX/XX/XXXX, after 90 days had passed since I completed the requirements for the promotional reward, I again contacted KeyBank to inquire into why I had not received the {$400.00} promotional reward. I again received the same response I initially received in XX/XX/XXXX. I had not signed up for promotional reward XXXX and I had not completed the requirements for receiving the {$200.00} bonus for promotional reward XXXX. At this point, I'm done with KeyBank. I believe they are running a bait and switch scam. Instead of receiving a promotional reward that I earned, I paid them {$40.00} for a lame rewards program. I intend on closing my account immediately. At the minimum, I believe they owe me {$40.00} as a refund of the rewards program I was tricked into joining. I would prefer to receive the {$400.00} promotional reward that I earned, but my health is important to me and I don't want to spend the next year fighting this bank. I have a feeling I'm not the first person that they've scammed and they probably have experience fighting these complaints. They should be shut down.
Consumer complaint received 2018-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Stated XX/XX/2016 I owe {$2400.00} in debt to Pro Collect I cant get any information on it dont even know where the debt from. Seem like I cant get accurate information on it.
Consumer complaint received 2022-04-30
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. (NY)

According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation has passed on the following account : XXXX XXXXXXXX Account # : XXXX
Consumer complaint received 2020-01-25
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: Nelnet, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX  - XX/XX/2019 US DEPT OF ED/XXXX  - ONE REPORTS THE ACCOUNT THAT IT IS LATE FOR 180 DAYS YET THERE IS NO LATE REMARKS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XX/XX/XXXX-Date of Inquiry XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2020-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MO)

Enhanced Recovery Company is falsely reporting the original date of delinquency for this bill as XXXX. XXXX refused to correct this when disputed in both XXXX and XXXX. The original date of delinquency was actually in XXXX, and should have fallen off of my credit report by now per Section 516.120 Revised Statutes of Missouri. I have images of the last payment date as noted on my XXXX account, and the following warning email saying that it would be sent to collections. No payment was made after the last payment date represented in these images XXXX XX/XX/XXXX XXXX. The images captured were taken from my XXXX account and XXXX account on XX/XX/XXXX.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX account is showing a delinquent account. My record with account shows all on time payments. I did not go over my llimit. I closed my own account. This is another mark on my account that i dont need. This time i did nothing wrong
Consumer complaint received 2021-06-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (CA)

EOS is suggesting I owe student debt. The debt is from a private loan from XXXX XXXX. This loan dates back to XXXX. I have not been a student in college since XXXX. When I attended college, it was a XXXX XXXX and I paid out of pocket. I explained to the customer service representative that these XXXX accounts are fraud and I was a victim of identity theft as early as XXXX. Under the FCRA & Statute of Limitations, these fraudulent accounts should have been removed from record years ago. Instead, EOS bought the fraudulent accounts and are harassing me in an effort to collect on bogus accounts. In explaining the situation to the customer service representative, I was clear that my police reports and FTC reports would be strong enough to show how my ID was stolen and personal information compromised. EOS is wrong on so many levels with this matter. I will be speaking to a lawyer to have them outline my rights and recourse.