davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Hi I have several months and several times asking to this bank to remove the private Morgage Insurance because my property has more than 20 % in equity and I sent the recently appraisal of my property to the bank ( about 1 month ago in my online bank account ) I sent several request to get removed the Private morgage insurance that I am paying monthly because I have a conventional credit but bank is not giving me answers, same way in coronavirus time I asked reduce my interest and they skip my request and just the put my debt for coronavirus in my Morgage and never gave me the promotional interest what government was offering although I asked it in that moment, so they never gave me the promotional interest rate and now they are not also giving me any answers!! I am tired of asking answers and they skip it because is not themselves interest, thats unfair!!! I want my interest rate what I asked in that time of 3 % and I want now to remove the PMI!! I need a specific answer to remove the private Morgage insurance because my property is value now in more than $ XXXX and I just had a debt with bank of $ XXXX, a have BIG EQUITIY I dont need to pay anymore the PMI, see attached the appraisal that I sent to the bank about 1 month ago in my loan care account online showing a value of {$400.00}
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (CA)

I opened an account with Discover Secured credit  card for {$300.00}. I was told that I can apply to increase my credit limit by depositing more money to the secured saving accounts. 
My XXXX was run on XXXX XXXX. On XX/XX/2021 I withdrawal of {$1700.00} What is made from Discover Bank. This letter that I received in the mail was drafted on XX/XX/2021. The letter says that discover withdrawn their decision of increase of credit. I would like to dispute this decision because I'm a fraud victim Plus 50 % of the negative information that is reporting on my XXXX  credit report is incorrect. The FICO score of XXXX is also incorrect. My concern is if all the evidence in fact were in front of you from XXXX XXXX Why would this cover withdraw the money from my account on the XXXX and then write me a letter on the XXXX of the month saying that I'm not approved. Just to clarify I am working with an attorney on the negative items on my credit report to be corrected.
Consumer complaint received 2020-04-15
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. (AR)

PLEASE BE ADVISED THIS IS MY 2ND AND FINAL ATTEMPT IN TRYING TO RESOLVE THIS ISSUE. XXXX, EQUIFAX, AND XXXX WAS NOTIFIED OVER 30 DAYS AGO ABOUT THESE FRAUD RELATED ACCOUNTS DUE TO IDENTITY THEFT BUT YET HAS IGNORED MY DISPUTE. ACCOUNTS XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, WERE ALL INCLUDED ON MY MOST RECENT IDENTIITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION. ALL THREE OF THE MAJOR BUREAUS OR CONSUMER REPORTING AGENCIES HAS NEGLECTED THE FAIR CREDIT REPORTING ACT SECTIONS 605B, 609, AND 611. I HAVE NEVER RECEIVED ANY MONETARY RELIEF, MONEY, GOODS, OR SERVICES ASSOCIATED WITH THESE ACCOUNTS, I HAVE NO RECOLLECTION OR RECALL OPENING ANY OF THESE ACCOUNTS WHAT SO EVER. THESE ACCOUNTS HAVE BEEN THE DIRECT RESULT OF IDENTITY THEFT AND I HAVE BEEN A VICTIM. I HAVE ALSO INLCUDED FRAUDUELNT ADDRSSES THAT HAVE YET TO BE UPDATED OR REMOVED AS PER MY REQUEST 30 DAYS AGO. THIS IS A CLEAR VIOLATION OF THE LAW AND THE BUREAUS MUST BE HELD LIABLE.
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: 2288984 Ontario Inc. (PA)

The loan company Money Key Loans called me on XX/XX/2020 saying we saw you had a inquiry to get a loan and we are willing to provide so we will go forth and process your loan their phone number is XXXX. They asked me for and I gave them My bank account number and my Social Security number along with my bank account login information Then once they figured out it was my account they wanted to start a security process of putting the amount of {$700.00} into my account and then use two gift cards to give it back to them and they did this twice On the next day the second time was in the amount of XXXX and that was for what they said was to fix my credit score so the loan company itself would approve of the loan since at the time I did not have good credit. A couple of days went by and then I noticed that my bank account was overdrawn by {$2500.00} I then called my XXXX XXXX  about that and they said two amounts of {$900.00} and {$730.00} were waiting to be processed to be put back into my account then my balance read {$1400.00} on XX/XX/2020 I tried to close that account and open a new one but the bank rejected it and cancelled all my accounts My account however is as also attached to my Mothers accounts and then the bank then took my mothers available funds and her payroll in the total amount of {$1000.00} on XX/XX/2020.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

We have our accounts with Wells Fargo and use Bill pay through them. We had paid the first few payments and they got them to XXXX XXXX  with no problem. About XX/XX/XXXX XXXX XXXX contacted me to say they got no payment. I checked with Bill pay and it is set up to do a monthly payment and confirmed that it was sent on XX/XX/XXXX. I contacted Wells Fargo both on phone several times and also two times in person at the branch near my home. According to their records it was paid. So I continued to send the next months payment which would be XXXX also and they claim they never received the payment at XXXX XXXX. 
I have spoken to both XXXX  and Wells Fargo at least 15 times two times it was a conference call. Wells Fargo has debited my account for the payment both months but no one seems to do or really care how long this process takes. 
It took me 3-4 phone calls to XXXX  for them to understand that this was not a check in the mail. It was send electronically from Wells Fargo to XXXX  and has been accepted on their end and put somewhere. Two seperate times Wells Fargo and I have sent proof of payment to XXXX XXXX and after their 5 day review they do not accept the proof. I have talked to an attorney and everything he told me to get from the two banks they tell me I can not have this information such as routing and other particulars. 
I really do not know where to turn. They write letters about foreclosure, they have contacted credit bureau on us also. 
We are seniors my hubby is XXXX and XXXX and very XXXX  and I am taking care of him. This hardship is killing my ability to care for him. 
Please help me if you can neither of these banks seem to know how to solve a problem.
Consumer complaint received 2021-09-20
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 — Problem with personal statement of dispute
Company: ACIMA CREDIT, LLC (NC)

I submitted a complaint in reference to Acima kept reporting my account as 30 days late. For over 4 months, after I was told they would not report my late payments because I had loss my job because of XXXX a natural disaster. They responded that I declined a deferred arrangements with them on XXXX XXXX which is not true. I am requesting a copy of that phone call where I said I did not want to keep my credit straight by doing this. If I would have done this then I would not be in the situation I would not keep filing complaints against them. I had a 24month lease which I paid off within 7 months. They also said that it is only on XXXX well it do not matter weather they do one Credit Bureau or ALL 3 it is still harmful to my XXXX account. Late payments does matter and it show a person is not paying their bills. I didn't pay the bill, my fault that we had a natural disaster and I loss my job and had to file for unemployment and once I received it I paid the account off. I WANT THE PHONE CALL, SINCE THEY RESPONDED THAT THEY LISTEN TO THE CALL.
Consumer complaint received 2017-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC (OH)

My wife applied for a medical health loan through XXXX XXXX XXXX. Her loan application was accepted. The problem I have is that I received an email from Lending Point LLC telling me that I was denied for a loan from them and I never applied for one. My wife applied solely in her own name. Apparently Lending Point, XXXX XXXX, XXXX XXXX and XXXX are all affiliate companies. I do have an account with XXXX XXXX and I am not sure how my information was shared between these companies, but, I do know that I never applied for a loan at all.
Consumer complaint received 2020-05-30
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: CITIBANK, N.A. (CA)

I booked a newly opened guest suite at XXXX de XXXX at standard rate on XXXX. No mention whatsoever that rate was non-refundable. See XXXX email reservation confirmation as well as XXXX email description of suite attached. 
I inquired on XXXX re : XXXX  cancellation policy in light of COVID19 pandemic. Response from XXXX that suite was non-refundable. 
I cancelled XXXX reservation on XXXX. 
Filed dispute with Citi-Mastercard on XXXX. Case XXXX. 
Received response from Citi denying claim on XXXX with response from XXXX indicating that a refund would be issued if COVID19 state of emergency and travel bans extended through our planned travel date of XXXX I submitted an appeal of Citi denial of claim on XXXX providing documentation Citi requested including confirmation of my cancellation of booking and XXXX statement to refund. 
I received an electronic letter dated XXXX from Citi stating ( incorrectly ) that I had not provided required documentation. 
I submitted another appeal to Citi on XXXX correctly stating that I had provided the required documentation. 
On XXXX, Citi sent me an electronic letter stating that they may be able to assist me if the merchant agreed to credit my account. I provided the documentation again which XXXX had submitted to Citi that a refund would be issued if travel bans were still in effect. 
On XXXX I again submitted documentation with specific citations and quotations from XXXX  re ; a refund. 
On XXXX Citi sent me an electronic letter stating that they are unable to require the merchant to issue credit. 

I have made every effort to be responsive to Citi 's requests of me in an attempt to correct the record that the hotel did not disclose that the booking was non-refundable and that the hotel in its own response to Citi stated that it would refund me in the event that the COVID19 state of emergency continued to cover our planned booking date at the end of XXXX. From the attached correspondence, I believe that Citi overlooked the documentation I provided on numerous occasions. In summary, a fair non-partial review of the materials would warrant a refund of my booking.
Consumer complaint received 2020-12-08
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

1 ) Rushmore Loan Management Servicing , LLC claims they did not participate in dual tracking or misleading/ deceptive messaging regarding my mortgage assistance process. I was denied on XX/XX/2023, provided an appeal period in which I exercised by explaining verbally the mistakes made regarding my income ; which was cited as a reason for denial. 

2 ) I then proceeded by following the representatives advice and providing a new mortgage assistance package. Rushmore Loan Management Servicing , LLC accepted a new application. Rushmore Loan Management stated they provided written notice of missing documents ; however, they only provided such notice on XX/XX/2023, while simultaneously closing my review. 

XXXX ) No previous written or verbal notice was provided that any documentation was missing or needed for the file to be complete. As I mentioned until XX/XX/2023, in which Rushmore Loan Management Servicing , LLC closed the file and with 6 calendar days on XX/XX/2023, placed a foreclosure sale date in the system for XX/XX/2023, less than 30 days from notice. 

4 ) This is an act of deception, this was done to prevent me from having the ability to respond to written missing document requests, and also to prevent me from being able to look at any other option of the loss mitigation process such as a short sale or deed in lieu. Also prevented me from potentially selling my home on the market because I now have a foreclosure sale date. Rushmore Loan Management Servicing , LLC enforced a sale date within 6 calendar days of unethically closing my mortgage assistance process, and then making the sale on XX/XX/2023, less than 30 calendar days from the file closure notice and from XX/XX/2023, date of notice of sale. 

5 ) Rushmore Loan Management Servicing , LLC claims they are in place to assist the homeowner to stay in their home while collaborating with the owner of the note to come to agreeable terms. However, my experience has been far from that these past several months. I simply would like the opportunity to be reviewed for mortgage assistance with all the correct information and so a true decision can be determined. I have been forced into a foreclosure sale date without being properly reviewed for all loss mitigation options. 

6 ) Request that Rushmore Loan Management Servicing, LLC provide documentation suggesting missing documents were requested to the XX/XX/2023, file closure letter. Rushmore Loan Management Servicing , LLC present all audio-recorded conversations from XX/XX/2023, to XX/XX/2023, when the sale date was entered into the system.
Consumer complaint received 2020-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-03-17
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: OneMain Finance Corporation (CA)

On XX/XX/2024 I received an unauthorized Hard Inquiry from OneMain Financial. XXXX from what their website states ( XXXX XXXX XXXX ) is a soft pull ( only ) loan agency, but post application I noticed that I received a hard Inquiry. upon checking my credit report, I seen the company name OneMain Financial which pulled my credit report unknowingly which resulted in an unauthorized hard inquiry. This happened without warning, prompt, or acknowledgement this is definitely a scummy move on their part and a warning to future customers.
Consumer complaint received 2021-04-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

Experian while I was logged into my account advised me to apply for a credit card they promoted as one that would help my credit score. This time they lied straight up. The company rejected me then XXXX XXXX  through an arrangement with Experian lowered my score over 30 pts. and refused and still refuse to acknowledge what happened. Keep in mind that not only have I managed to pay off a car loan early keep credit cards always paid in full and on time as per all the credit bureaus advice yet they still lower my score FOR PAYING LOANS ON TIME AND PAYING CREDIT CARDS ON TIME AND PAYING RENT ON TIME. This has been going on for a year AND THEY DO NOT REPLY. Sending me a message that is not only a lie but utterly irrelevant to the complaint. 
And I'm not sure what you do besides nothing. These guys are allowed to get away with anything and you do nothing you allow them never to answer a single complaint. I'm so sick of being punished because all or our so called consumer protection is one big lie followed by more lies.
Consumer complaint received 2017-09-18
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: AMERICAN EXPRESS COMPANY (GA)

I made a purchase at XXXX on XXXX and returned the item on XXXX. The refund was returned to my bluebird card on XXXX. I logged on and it shows bluebird has decided to put an extra review hold on my refund an wo n't return it until XXXX. I called an was given XXXX different reasons why it was being held. I was told it was a random review, I was told it was held because it was returned at a different store than it was purchased, I was told it is a new process to allow the merchant 7 days to change there mind, then I was hung up on by the XXXX XXXX why I asked for corporate contact info then I was told by XXXX it was n't received an his XXXX says they received a memo but never received the money. I verified with the merchant bluebird was sent the money. I was also told refunds no longer go to bluebirds bank but direct to my account. All the agents are in a foreign country and very rude. They offer no resolution and never the same answer. I am at the point of contacting my attorney for a class action lawsuit because I had a similar issue that I never got a response in XXXX of XXXX
Consumer complaint received 2017-07-31
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VW Credit, Inc (CA)

On XXXX XXXX, 2016, my wife and I went to Volkswagen of XXXX XXXX to get details regarding the leasing of a VW Tiguan. Before we leased the vehicle, I asked the sales representative if there would be any hard inquiries on my credit, and he said that there would not be any. Since we were leasing the car, he stated, there would not be the same type of hard inquiry you would get if you bought the vehicle outright. Today I performed my bi-annual check on my credit score and noticed a total of two hard inquiries ; one from Volkswagen of XXXX XXXX and one from VW Credit. These hard inquiries were neither authorized nor discussed while at Volkswagen of XXXX XXXX. As such we would like these two hard inquiries removed, as we did not even end up leasing the vehicle at the end of the negotiation process.
Consumer complaint received 2020-12-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (TN)

Ancient Mortgage Satisfaction of Mortgage was never filed with the County of XXXX, NY from XXXX XXXX XXXX XXXX. Pentagon Federal CU is the successor of XXXX. Due to being unable to satisfy this request prior to house sale, we were required to put $ XXXX in ESCROW until we can get the satisfaction of mortgage filed and a copy to the title insurance company. 

Pentagon Federal CU consistently refers to the mortgage they held for us for $ XXXX. This mortgage has been released and the satisfaction of mortgage has been filed. 

XXXX XXXX XXXX XXXX XXXX mortgage filed LIBER 6834 Page 66 Pentagon Federal CU XXXX mortgage filed LIBER 11671 page 0916