davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-11
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (ND)

I recently applied for a VA Home Loan through Loan Depot. XXXX XXXX, Senior Mortgage Banker, ( XXXX ) XXXX, XXXXXXXXXXXX was the contact. It was XXXX/XXXX/2015. I agreed to pay Loan Depot {$2500.00} for the origination charge with no charge to lock in the interest rate of 3.75 %. Between North Dakota 's title company and abstractor, the process of closing this loan was so slow that my loan interest rate of 3.75 % unlocked and through no fault of my own, I lost my interest rate of 3.75 %. On XXXX/XXXX/2015 I was forced to pay Loan Depot a higher origination fee of {$2600.00} PLUS an additional fee of {$1300.00} to secure a HIGHER rate of 3.875 %. XXXX XXXX, Sr. Account Manager III, ( XXXX ) XXXX tel/fax, ( XXXX ) XXXX ext. XXXX, XXXXXXXXXXXX dealt with North Dakota 's title company and abstractor. 
The amount of time it took for XXXX to get the paperwork in order was very slow. Loan Depot knew " the delays on XXXX XXXX 's application were outside the control of both parties '', but they went ahead and raised my rate and hit me with new charges anyway. I considered that unethical but I signed out of fear they would raise the rate even more. Knowing the delays were beyond both parties, why am I the one paying for the delays while Loan Depot is collecting additional interest, higher fees, and additional fees? 

See also : Case number : XXXX
Consumer complaint received 2015-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NV)

We applied for a home mortgage loan with Wells Fargo the XXXX part of XXXX for a purchase in XXXX, Ok with escrow to close on XXXX XXXX, 2015. We were told on XXXX XXXX, 2015 that the bank would NOT fund the loan. The bank did not have to courtesy toinform us, we learned of this decision through the escrow company. 
The reason stated for refusing the loan were not accurate but we could not getthe bank to change their minds. To close this deal we had to empty our brokerageaccounts and now can not get a mortgage as a new purchase with the better interest rate. 
Wells Fargo put us in a financially impossible position. To have a lender now it willneed to be a refi and I am being told that I have to wait at least 6 months to even apply and the interest rate has already gone up.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Ive recently check my credit report in because I decided to change my life and chase my dreams and noticed a few in accuracies on my profile. Please check every piece of information and make sure its accurate and accountable in accordance with The Fair Credit Act
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

We have PMI on our loan. We put a large principal payment on it in XX/XX/2020. The PMI should have come off then. We then recast the loan and the PMI still did not come off. We are now in XXXX and UWM is telling me that it can take up to 90 days.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Contact Transunion about a glitch that they had in XX/XX/XXXX they deleted my collections and inquiries and then 2 days later they were reinserted without proper notification representative was fully aware of glitch they had back n XXXX but he told me that he could n't help me about it that everything is back to normal I explained to customer care that they did not follow the proper procedures sending notifications in writing to customers about this issue that I was demanding for the items to be delete due to not receiving any notification from Transunion customer care replied sorry but he could n't do anything that it is not a Transunion issue. 
The following are the inquiries that were deleted XXXX XX/XX/XXXX,,, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXXXX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX , ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX ... 
XXXX Account # XXXX Account Type Collection services Balance {$270.00}
Consumer complaint received 2015-09-17
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

To Whom it may concern, My name is XXXX XXXX on XXXX,2015. I went to Walmart and sent my mother {$310.00} plus {$9.00} thru Money Gram. It is now XXXX,2015 and they wont refund my money nor give my Mother the money I sent to her. I have called continously with no avail and visited Walmart with no avail. MoneyGram employee 's have given me bogus names and agent id numbers and hang up in my face. The only thing I want is my refund. Sincerely XXXX XXXX XXXX
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (MD)

TD Bank received the total payoff on my mortgage on XX/XX/2020, and as of XX/XX/XXXX, still have not closed the loan and even made an additional withdrawal of {$2000.00} from my checking account for the month of XXXX. 

After contacting them, they said they had received the total payoff in their account, and that they didn't mean to withdraw the additional {$2000.00} but they are " busy and backed up '' and have no estimation when they will close my loan or when they will refund the {$2000.00} overage.
Consumer complaint received 2016-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Premier Portfolio Group (PA)

Received a call to my cell phone which is on the Do Not Call list for a debt that is n't even mine. 

Premier Portfolio Group XXXX Every time I asked for information she would get loud and hang up on me. Then started threatening me with legal action because I would call back. 

Thru internet searches I have found numerous complaints of harassment about this company.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There was a problem, where Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I 've been affected gravely and my score is suffering as a result. No notice was given whatsoever, which is also a violation and I am requesting that the inquiries be removed : Please.. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Thanking you in Advance for your assistance.
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The company, Kohl 's Dept Store NY is contacting my cell phone ( my cell # XXXX ) everyday at 10 times per, calling me after XXXX ... They use several phone numbers as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion Has illegally shared my report with a auto dealership in Oklahoma, nearly XXXX miles away from me. They will not delete " XXXX XXXX '' or the XXXX XXXX lending inquiries. This violates FACTA, and once again shows TRANSUNIONS ABOVE THE LAW MENTALITY. They then list " Promotional Inquires '' despite just pages before affirming and attesting that I AM OPT-OUT FOR 7 YEARS. THIS COMPANY IS AN ANATHEMA TO THE AMERICAN CONSUMER AND SHOULD BE INVESTIGATED.
Consumer complaint received 2020-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

NewRez is our loan servicer, and they failed to pay our school taxes on time. The taxes due on XX/XX/20 were in the amount of {$6700.00}. Since that due date, I have contacted NewRez over 30 times via phone and email trying to resolve the issue. As of today, XX/XX/20, NewRez has still not paid our school taxes to the XXXX XXXX  XXXX, which were due on XX/XX/20. Two late penalties have been assessed, for a total penalty of {$330.00}. 

When I contact NewRez, which has become a daily exercise, I am told that the funds were disbursed from our escrow account on XX/XX/20 to pay the school taxes. When I contact the tax collector 's office, which I last did this morning XX/XX/20, I am still told that they have not received our taxes. Dealing with NewRez has become incredibly frustrating, and they have done a terrible job as a loan servicer.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting inaccurate personal information on my credit report. I tried to dispute it online but it would n't come off. 

Incorrect or Misspelled Names : XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX, VA XXXX XXXX XXXX, VA XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-05-07
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: LEXISNEXIS (TX)

Reported a number of Hard inquires showing up after XXXX XXXX XXXX  data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXX XXXX  XXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list four of XXXX, GA Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and Trademark Registration # XXXX. As Executor and authorized Agent for XXXX XXXX  XXXX IRREVOCABLE TRUST, I XXXX XXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with PS Form 3811 return receipt address to Executor at address below.
Consumer complaint received 2023-03-25
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: Kikoff Inc. (NH)

My information is on the dark web, and somehow, somebody opened an account in my name and got a loan or something. I need my government to help me just remove this from all 3 credit bureaus. I want nothing!. The name of this company is XXXX. I've never heard of them until the alert came from XXXX credit bureaus. Need to find where they deposited the money, AND what ID they used!! Thanks
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. XXXX/XXXX/Experian -- Failed to correct my credit score.  REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is more than 4 years old as if it is new is illegal. Hence the reason the attorney general is now involved. My score should be restored!! XXXX  XXXX - Regarding account XXXX. The account was opened in XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, RE-AGED the debt and is reporting it as if the account is still open. The detriment to my credit report for this illegal act was a loss of many points.
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Had cash back bonus available & over 3 months ago I called to have it applied to balance. Now the status of the card has changed and because they never did it 3 month ago now they wo n't. The card was Capital One and I just wanted my bonus to be used towards paying my debt and they did n't do their job then or now.Why is that ok that they do n't have to uphold their end of the contract but I do!
Consumer complaint received 2020-10-18
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. (TX)

I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. XXXX/EQUIFAX/XXXX  -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is more than 4 years old as if it is new is illegal. Hence the reason the attorney general is now involved. My score  should be restored!! XXXX  XXXX - Regarding account XXXX. The account was opened in XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, RE-AGED the debt and is reporting it as if the account is still open. The detriment to my credit report for this illegal act was a loss of many points.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (TX)

Company ( Equifax ) auto-debited a credit card they were not authorized to use for an annual subscription on XXXX/XXXX/2017. When I called to terminate on XXXX/XXXX/17 when I noticed the charge, they refused to refund the full amount of {$190.00} ; instead offering a prorated refund of {$160.00}. When I disputed this, they indicated they could choose when to terminate and selected XXXX/XXXX/2017 and were due the amount between XXXX and XXXX.
Consumer complaint received 2015-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CDI Affiliated Services, Inc. (ID)

This is in reference to a previously submitted complaint XXXXXXXXCDI Affiliated services resolution is to simply state that the account has been flagged as disputed on the consumer 's credit profile. That is not good enough. I insist they acknowledge that they as debt collectors fall under Idaho statute XXXX XXXX chapter XXXX and not under XXXX XXXX chapter XXXX. This will go to litigation if they do not remove themselves from my credit report.
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

An account with XXXX XXXX XXXX is listed on my credit report. 

Pursuant to FCRA section 609 A1 I hereby request all information on file concerning this account including original application with my signature
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I used the site - XXXX. After providing all the info, it stated that I already received my free credit report. However, I never have received one nor requested one.. **I got a letter from XXXX XXXX telling me the * Notice of Data Breach* so I was ordering my XXXX of XXXX free credit reports. ****Please check into this immediately. I did not order one before. Could this be connected to the fraud? ****thanks, **XXXX XXXX I tried calling the telephone line but no answer and i tried to submit the above problem and it would not accept my info - it stated that there is an error??????
Consumer complaint received 2016-09-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (FL)

Company contunes to keep calling stating I am being investigated they contune to call several of my family members muitlable times, even after they told them to stop.They have called my employer stating that I am being unvestigated and if I do not return there calls they will send the police. I have contacted the company and asked them to stop calling. This debt is from XXXX. They threaten to put leans on my automobile and ruine my credit. I asked for the company mailing address and they rufused I asked the name of the company and they stated it was XXXX. I do not know if this correct.
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the fact that XXXX account # XXXX listed on TRANSUNION ONLY now, is inaccurate and should not be listed on my credit report, and excessive abuse of the FTC 's rules and guidelines for responding to a proper resolution in a timely manner with the proper evidence and facts. XXXX and XXXX BOTH REMOVED this item as it was listed inaccurately and did not have legal grounds to be marked against my credit report per FCRA and FDCPA guidelines. Transunion is in violation to these XXXX consumer laws and has ignored repeated requests over the last year to remove this. I have provided the confirmation number to the disputes showing a years worth of history, and the company simply ignoring my request. It is damaging my ability to get favorable rates on a mortgage. Please see that BOTH XXXX and XXXX have complied yet Transunion is refusing to play by the rules. Please reference FILE # XXXX. Attached is the document from Transunion as you will find this case number is linked to over XXXX disputes whereby Transunion just stated it was verified but never provided any of the following:1. Evidence their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is their authorization of law for your collection of information? 
3. What is their authorization of law for your collection of this alleged debt? 
4. Evidence it 's authorization to do business or operate in this state. 
5. and Evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Finally a provided complete account history, including any charges added for collection activity. 

None of these were provided in the last year and only deflected because of laziness.
Consumer complaint received 2022-08-08
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. (SC)

I have noticed that my credit score went down and I have great credit so this was a shock to me. There seems to be a collection account that doesn't belong to me from a " XXXX XXXX XXXX ''. I checked into the original debtor and its somewhere I have not been or used their services.
Consumer complaint received 2016-11-10
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a victim of an online at home business scam. I received many unsolicited telemarketing phone calls from several companies, they all promised me profitable online business. This company, XXXX XXXX XXXX called me on XXXX, XXXX was the name of the agent that contact me, he was very persuasive. He explained that without the social marketing that my site would fail. He said that XXXX XXXX XXXX would do the marketing and develop keywords to increase the site visibility and that would get me up to the first page of searches. That they would do an average of XXXX posts to XXXX and XXXX, so I would have continuous exposure. XXXX XXXX would set up a XXXX ad words through XXXX. I expressed concern that the site was not active yet. He said that the marketing should be done way before the site is active to give it exposure so people will be able to find it. I was told a rep. Named XXXX would start posting immediately. I also be taught how to do this myself in the future. XXXX would continue posting as long as I paid {$99.00} per month. If I did n't continue, that the site would not be viewed in searches. Also, that without a targeted XXXX release the site would fail. XXXX then spoke to me about renaming the website. We did some brainstorming on the phone and came up with " XXXX XXXX '' and the lower price of {$2800.00}. I only saw a few posts here and there. I lost contact with them once I asked for my refund, they decided not to answer my calls or return it. I believe they never had any intentions of selling me a legitimate business and actually make money of it like they promised me. I was scammed and I need your help to get my refund since they never provided me with the services that I paid for.
Consumer complaint received 2024-05-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC. (CA)

I applied for a personal loan thur the website, once i submitted my application I got asked to provide my immigration documents. I provided my XXXX card to them which is signed by XXXX and provided them link for a website where they find explanation about it. I also provided letter from the judge from court where the judge said the application is approved and based on this decision I have got my XXXX card, on the back of this card say that this card is like a replacements for a regular EAD and this card does NOT have any expiration date, with this card i can apply for a green card and i do not need any additional proofs. Based on this ive got few calls from them and after the last call they sent me an email that the denied my application, and they dont have other reason to deny it except the immigration status. Which is FULLY legal. Based on that Ive got hard pool on my account because they said that i pre-approved and and i was pre approved for an amount larger than I asked after. Why they sent those pre approval, why they denied my application based on immigration status. And what does it mean they unable to verify?