davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP (CA)

Hi, my name is XXXX XXXX and I would like to file a complaint on Capital Network Funding in XXXX, CA. About a week ago i had submitted documentation regarding to a mortgage refinancing with today 's low 30 years fixed interest rate thru this mortgage lender. First I was approved base on documents i had submitted to the lender which includes income from XXXX for XXXX, our XXXX month worth of paystubs from our employer prior to family leave, XXXX 's for XX/XX/XXXX and XX/XX/XXXX, and XXXX months worth of bank statements and I also signed the initial disclosures package from the lender. A day or XXXX days after i submitted these documents needed from the lender, I received a phone call and an email stating that my wife and I are not approved due to our supplement income from family leave and the mortgage company will not proceed unless my wife and I are fully back to work with verifiable income from our employer. The cause is for us to go back to work and cut our family leave time short in order to get an approval and proceed with the loan. 

Below is a copy of the email from the mortgage company statingDate : XX/XX/XXXX XXXX XXXX ( XXXX ) To : " XXXXXXXXXXXX ' '' & lt ; XXXXXXXXXXXX & XXXX ; Cc : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Subject : RE : Your Loan Proposal- Network CapitalXXXX. XXXX, I have your file ready to go to underwriting, but I need you to return to work ASAP to use your income to qualify for the loan. 

Please advise when this can occur so we can secure the rate lock. The rate will not be locked nor can I honor the exception until I have a WVOE or assurance that you have returned to work. 

Let me know when this can occur. 

Thank you. 


Sincerely, XXXX XXXXManager | Direct LendingPlease see below press release XX/XX/XXXX if I may fall into the same category and advise what I should do. 

HUD No. XXXX XXXX ( XXXX ) XXXX XXXX FOR RELEASETuesdayXXXX XX/XX/XXXXHUD SETTLES DISCRIMINATION CLAIM AGAINST CALIFORNIA MORTGAGE LENDER ALLEGING IT DENIED LOANS TO WOMEN ON MATERNITY LEAVEWASHINGTON - The U.S. Department of Housing and Urban Development ( HUD ) announced today that XXXX, CA based mortgage lender XXXX XXXX XXXX will pay {$48000.00} to settle allegations that it violated the Fair Housing Act when it denied or delayed mortgage loans to women because they were on XXXX. 


Sincerely, XXXX
Consumer complaint received 2023-01-16
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-01-27
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. (NJ)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to repair this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need the following accounts to 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 XXXX
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

My wife and I always accepted there calls. we ask them not to call a certain number due to my parents are sick XXXX.They still call. I spoke with XXXX XXXX she said she was a manager i explain to her that I was n't working I was trying to get my paper work in from the doctor so I can return back to work that I will send a payment in soon as I start receiving my pay check. XXXX XXXX made a statement saying do n't you need to go and aply for food stamps. I think that is very unprofessional. I ca n't help I had XXXX I was paying on time never missed a payment.
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, 2015 around XXXX I called to make a dispute concerning an inaccurate information on my Transunion consumer report under the FCRA. There is a duplicate hard inquiries from XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX ( Soft Pull ) and XXXX XXXX. I was concerned that the credit report pulled on these days were the same as there was no significant changes within these periods, and that only XXXX of the pulls was authorized. 
The XXXX customer representative informed me he can not take my dispute despite what the FCRA says. I requested to speak with his Manager and She said the same thing. I was not satisfied with the response and I was transferred to XXXX XXXX XXXX ( XXXX Supervisor ) who also concluded that based on their policy they can not take my dispute or investigate it, except I contact XXXX. 
I believe this is in contrary of the law, as the law does not discriminate on what type of information I can dispute.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

I tried to get a copy of my credit report on-line at annualcreditreport.com but it would not let me. I mailed in a paper request to Experian with the required documentation. They never responded and I never got a copy of my report. It is important to me to get a copy of my credit report because I am a victim of identity theft. I also wrote to XXXX in XX/XX/2016 to ask them to put a fraud alert on my account. I never received a response from Experian about the fraud alert.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

US DEPT OF EDU Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX I did not open these accounts. I was never made aware of the opening of these accounts. I have never knowingly paid any money toward these accounts. These fraudulent accounts are being inaccurately reported by Equifax, XXXX, and XXXX. US Department of Education and State of MD XXXX are harassing me for payment but have never responded to my disputes or validated these debts. It has been well over 60 days since I disputed these accounts. I have not received a response. Remove these account immediately or I will sue. My right to privacy has be violated repeatedly. I have not gave anyone permission to furnish this information on my consumer report. My information has been violated by the Equifax Data Breach. I am a victim of identity theft. I have submitted multiple copies of my identity theft report and they refuse to block this information from my consumer report. No debt collector has provided me with documentation of my signature validating these accounts. I have submitted affidavit. This information needs to be removed IMMEDIATELY.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company 2 series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX XXXX XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also 2 documents and I 've gotten XXXX response from them either. This bureau did respond just with notices of an alert. Also, there 's this judgment for {$910.00}? contested that bc I 'm never been evicted or sued or anything. 

I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail. 

thanks, XXXX
Consumer complaint received 2015-09-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GENERAL BUSINESS RECOVERIES, INC. (AZ)

I have disputed this item time and time again and it has been removed off all my credit reports but one. Now it looks like the creditor has re-aged the debt without my permission and made my credit score plummet! I am XXXX years old an dthe doctor that is trying to collect from me is a XXXX physician - He ONLY sees patients that are XXXX! i demand this be removed from my credit report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXXCollection Agency GEN BUS RECOriginal Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX OpenOpened Date XXXX XXXX, XXXXClosed Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsGENERAL BUS RECOVERIES XXXX XXXX XXXX, XXXX ( XXXX ) XXXX something wrong? 
Learn more about how to dispute items on your credit report.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OZK (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX : We understand you have requested that Bank OZK ( Bank ) cease further communication with you ; however, in accordance with your request, please see the information below. 
The Bank mailed a check to you in the amount of {$100.00} via XXXX  ( tracking number XXXX ) dated XX/XX/2022, with a signature required ; however, the package was returned to the Bank after several unsuccessful attempts at delivery. We have sent the check again via XXXX ( tracking number XXXX ) and have been notified that it is being held at the XXXX facility located at XXXX XXXX XXXX, XXXX, GA. If you are unable to pick up the package at the XXXX  facility we will recall and send via United States Postal Service ( USPS ) certified mail. With receipt of the check through XXXX or USPS, the Bank considers the matter closed. 


You are going to recall you check and send it by USPS or I will show you how much further I can escalate this. Stop playing around, you didn't send it to a XXXX  location 12 miles from my house with 2 closer locations and I didn't ask for it to be picked up I have no, repeat, ZERO obligation to drive 12 miles away to get my check your employee 's are just careless imbeciles. Now send me my check or I promise you that this will get much worse, and very legal, and very expensive for your bank, very very fast, I am tired of your endless lies, fraud, incompetence, and the silly ego exuding from every message you send by clearly a pack of clowns who can not even send a check in the mail without melodrama.
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NY)

I refinance with a mortage company that promised that insurance and taxes were included in the total monthly payment, however they purposely failed to tell me and my wife that taxes and insurance were only included for the remainder of the year and that we would be responsible for paying taxes and insurance after the first year in addition to our new mouthly mortage payment. That financially destroyed us. I believe they described this as a mortage XXXX type of mortage. That was with Wells Fargo
Consumer complaint received 2016-12-05
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Cstone Mortgage Inc (CA)

My XXXX and I were approved [ twice ] by Cornerstone Mortgage CO. 
XXXX [ XXXX ] for a Residential CONDO mortgage re-fi. My Cornerstone file # XXXX. The company is located at XXXX. 
Cornerstone, never complied during the approximate 5 month with RESPA. also, they have refused to provide a copy of my file [ s ]. Cornerstone [ broker ] / lender/ collected a appraisal fee and commanded I close a credit line of XXXX dollars with XXXX. [ active ] and in good standing [ 1 percent interest rate ]. I was told it could be re opened. ... XXXX refused. The lender enticed me to close a XXXX Credit card. I performed upon every request. The lender had no funds. ESCROW on or about XX/XX/2016 assigned a paid notary who spent 1hour at my residence obtaining ALL signiture [ s ] and documents. 
Thereafter the ''loan '' never closed or, funded. Cornerstone even forced me to significantly change my HOMEOWNERS insurance policy with XXXX and name their agency as the beneficiary Then the lender ordered another ''appraisal '' and caused in-ordinate delays to the loan. 
Respa was not complied with. The general interest rate decreased and the lender refused to decrease the APR. 
Again, the loan was ''approved '' and the Agent XXXX resigned from the Lender and I never heard from the lender again ... until i wrote an offer to settle and compromise. 
The lender never answered the offer to settle and my loss of additional interest and costs was about XXXX dollars. The escrow # is XXXX. 
Cornerstone mtg. kept the property Policy in their name until XX/XX/2016. 
.Finally, Cornerstone ran without authorization my credit 5 times. I agreed to only twice.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MO)

Facts : 1 ) In XX/XX/XXXX I received a letter indicating I had an escrow shortage. I was given XXXX options : a ) make 1 payment with total shortage or b ) spread shortage over 12 months. I chose b. 
2 ) I received an email on XXXX/XXXX/16 that my mortgage payment ( including additional escrow ) was applied. 
3 ) Today I received an email that a late fee had been applied because my payment has not been received. 
4 ) The payment was made per my bank statement. 
5 ) The payment was received per email dated XX/XX/2016.. 
Today I called customer service and they indicated that had my payment but it was suspended and not applied because I failed to 'request permission ' to spread the shortage over 12 months even though my payment reflected the increased amount.. The request procedure was n't very clear in the letter I received in XX/XX/XXXX nor have I ever had to " request permission '' before. The letter clearly stated that I have XXXX options and even provided the new payment amount. I feel the mortgage company is trying to take advantage of its customers and force them to make a late payment even though they have received the on time payment.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score has suffered as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed.
Consumer complaint received 2016-12-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In XXXX XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had two mortgages : the first with XXXX, the second with USAA. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure, which XXXX granted, provided I clear the lien with USAA. 

After negotiations, on XXXX XXXX XXXX USAA issued a Settlement Agreement to me, stating that USAA would accept {$14000.00} for full settlement of the loan, with me paying {$8000.00} and XXXX paying the remaining {$6000.00}. On XXXX XXXX XXXX I paid to USAA {$8000.00} and USAA issued a new Settlement Agreement for {$6000.00}, which must be received by XXXX XXXX XXXX. I signed this agreement and USAA acknowledged that it received the signed copy. 

On XXXX XXXX XXXX USAA exercised a right to offset against one of my accounts in the amount of {$1700.00} to pay toward the subject loan. This transaction is contrary to the Settlement Agreement that USAA and I have in place and is not only contrary to my wishes to maintain good and honorable relations with USAA, but is also fraudulent. 

I contacted USAA 's banking, fraud, loan, and identity theft departments on XXXX XXXX XXXX. Of all the people I spoke with, nobody was able to tell me why the {$1700.00} was withdrawn from my account or where it had gone. I was promised a call the next day, but nobody called. I then contacted USAA 's Member Assistance Team ( that arranged for the Settlement Agreement ) on XXXX XXXX XXXX. They said only the debt collection department could have exercised the right to offset and transferred me there. The debt collection department said they could n't have done it, because my loan was held by the Member Assistance Team. I was told that an email was sent to the executives of the Member Assistance Team and that I would be contacted.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was unaware of the {$230.00} debt, as I never received a bill. I tried to contact XXXX, who charged off the account to XXXX. I never received any collection materials regarding this debt. XXXX charged the debt off to XXXX XXXX XXXX, who supposedly gave the account to the XXXX XXXX Law Firm in Arizona. When I called the law firm and spoke with XXXX XXXX on XXXX/XXXX/15, they have no records of this account. I gave them the account number that is on my credit report and my social security number and nothing came up with my owing any debt. I tried to contact XXXX, Transunion and XXXX to resolve this issue, by either paying off the debt or having it removed from my credit report, but there is no way to speak with a live person at any of the bureau 's, as everything is automated and no customer service representatives are available to discuss credit disputes. I have no idea what I supposedly purchased, as no one can provide me with this information. My credit score used to be over XXXX and now it is in the XXXX 's, due to this debt, which is reported XXXX on my credit report, as XXXX charged it off to another lender, XXXX. Why do we as consumers have no other way of disputing these issues other than through the Consumer Finance.gov or by a letter being sent to these companies. The Credit Bureaus are causing a lot of damage to my credit score and I may not even be responsible for this debt. XXXX told me that the bill was returned from the post office as undeliverable. I have lived on this street for XXXX years, so I found this to be difficult to understand. I need help removing this debt from my credit report and will be sending each company a letter requesting the removal of this debt. I should be able to find out what was purchased, but no one can provide me with this information. If someone could tell me what was purchased and I did in fact purchase the item, than I would pay off the debt. I have never received any letters or calls from this Law firm, so I believe this whole reporting incident is in error. Please advise me as to what my next step should be. Thank you.