davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

On or around XX/XX/XXXX I accepted an offer from Freedom Mortgage. The offer was to move my interest from 3.25 % down to 2.375 %. I signed and sent Freedom Mortgage all documents they requested. 

On XX/XX/XXXX, XXXX XXXX XXXX my consumer advocate ) emailed me the following " I wanted to update you on your refinance : we are waiting on the subordination and should have another update some time next week. Nothing else is needed from you at this time. If you have any questions, my contact information is below. '' During the month of XXXX, I contacted my other mortgage company to help with the subordination process. XXXX XXXX mention they have a specific process to complete the subordination. XXXX XXXX emailed and faxed the information to Freedom Mortgage to complete the process. On XX/XX/21 I've also emailed Freedom Mortage ( XXXX XXXX the needed documents from XXXX XXXX to complete the subordination. 

Around XX/XX/21, XXXX XXXX from Freedom Mortgage contacted me to advise me that my consumer advocate is her going forward. Together, we reviewed my file and the complications that are being experienced. 

She was able to see that Freedom Mortgage had gotten all documents from me that are needed, also, that Freedom Mortgage had gotten the contact information from XXXX XXXX BUT Freedom Mortgage have not followed the requested process to complete the subordination. 

During this conversation, XXXX mentions that if this loan does not close in XXXX, then the transaction will be voided. 

On XX/XX/XXXX, I've spoken with XXXX. She advises me that she is no longer my consumer advocate. She claims that she had limited access to my file. She then transfers me to a regular customer service rep. 

The customer service rep shares with me that on XX/XX/XXXX my re-finance was denied because the subordination was not completed. 

I feel that this company is making an attempt to NOT close on the loan because I will pay more money to them by keeping the higher interest rate. I think they are purposely making this transaction complicated, confusing and being deceptive. 

THEY CALLED ME TO MAKE THE OFFER. THEY APPROVED ME. But now I want to complete the offer, they are trying everything they can to NOT close on this loan.
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

By Law, they need to provide proof that they either sent me an email or mailed out a letter 21 days prior to said due dates of missed payment. They also need to provide me the proof that they either sent or emailed me the option to opt out before they released this on my consumer report. The only thing they sent proof of were said dates of payments that were late.

Due to Laws, 15 U.S. Code 1666B, without that proof they are violating that law to put this on my consumer report.

with - 15 U.S. Code 1681a ( 2 ) ( I ) they may not report transactions or experiences between consumer and person making the report. - 15 U.S. Code 6802 - Obligations with respects to disclosures of personal information.

18 USC 1028A aggregated identity theft.

This company is breaking multiple consumer laws and if this is not reported and fixed on my consumer report I am asking they delete all the above late payments from my consumer report, and change them from late to PAANL ( Paid As Agreed, Never Late ). Failure to respond with correction of the account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for each law stated above.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

I was in a forbearance agreement due to covid-19 this forbearance is about to expire in XX/XX/2021. 
I submitted a loan modification request on XX/XX/XXXX, Chase only took few days to tell me that because I'm self-employed I don't qualified to obtain a loan modification. I ask why they did not have a valid answer. 
I re-applied back on XX/XX/2021, to obtain the same answer from chase. 
they only said I can only due a repayment plan, this repayment plan was for {$3500.00} in an amount that I can't truly afford. 
I ask who was my investor? they answer that XXXX XXXX was in fact the investor on my loan. when I look up XXXX a tool to see if XXXX XXXX owns the loan in fact XXXX https : //loanlookup.freddiemac.com/** the XXXX XXXX web page it's said that XXXX XXXX XXXX not own the loan. 
My intentions were never to fall behind any of my payments, I'm a realtor and work hard to provide for my family. due to the pandemic I was not able to show houses for almost 7 months, this is the main reason why a fall behind on payments.
Consumer complaint received 2021-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-23
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. (PA)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of an account opened XXXX  XXXX Account Number : XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX dateopened XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

In Fall XXXX I received statement from county of the new value of my house, which shows equity is now above 20 %. I notified my mortgage lender, Mr. Cooper, to begin the process to remove PMI. I continued to ask for them to initiate the process to remove PMI. After five months they finally contacted me and advised within 10 days I would be contacted by an assessor as the next step in the process. Since the mortgage lender has been unresponsive to my earlier requests I expected this 10 days to lapse without any action, so now I'm trying other means to motivate them to remove the PMI, plus now I would like XXXX past months PMI reimbursed to me. 
XX/XX/XXXX - Requested the elimination of my PMI. 
answer : your request has been forwarded to department. Then nothing. 
XX/XX/XXXX - Reminded Mr. Cooper I am awaiting removal of PMI XX/XX/XXXX - Reminded Mr. Cooper I am awaiting removal of PMI XX/XX/XXXX - Reminded Mr. Cooper I am awaiting removal of PMI XX/XX/XXXX - Reminded Mr. Cooper XXXX am awaiting removal of PMI. This prompted Mr Cooper to call me finally. They initiated the process for an assessor to get a value of the house. Assessor was supposed to contact me within 10 days. 
XX/XX/XXXX - Assessor has not contacted me. Initiating complaint to CFPB. Also informing Mr. Cooper of this complaint.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PROSPERITY BANCSHARES, INC. (TX)

On XX/XX/2021 night time, I logged in to my Prosperity Bank app. I viewed my checking account and saw : IRS XXXX {$1400.00}. 

Seeing that XXXX {$1400.00} description made me think, Okay. The IRS deposited my 3rd stimulus payment. It was already deposited, so it should clear by morning. 

I downloaded a new stock trading app XXXX and entered in my bank account information. The app said depositing funds from my bank takes up to 5 days to complete. After a few days, I received a XXXX notification message saying my bank reversed my transfer. 

I never received any funds. I never had access to the funds. 

When my IRS XXXX cleared, Prosperity charged me {$35.00} and immediately charged me {$35.00} and took it from my {$1400.00} deposit. I never went negative, for how can I go negative if nothing was ever received? I never accessed anything. 

Both Prosperity Bank XXXX XXXX charged me {$35.00}. 

So Im being charged {$70.00} for being negative, when really prosperity reversed that transfer. 

Prosperity Bank XXXX
Consumer complaint received 2021-05-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX of 2021, I wanted to talk to XXXX  customer care for an app named XXXX and how I wanted to change it from an XXXX version to an XXXX version. But the XXXX had a fraud website as attached I called the customer care number on the fake XXXX website which popped up first in XXXX search that day and I was not so cognitively aware to differentiate between fake and real XXXX website and then they made me download some weird XXXX app which I was not able to deny because they were very tricky to hypnotize the brain attached is the fake website And they broke into my phone and kept doing taking out the money from my XXXX and chase savings account through XXXX XXXX XXXX and just told me to be on the phone while they were fixing the XXXX XXXX for me attached is the screenshot of the phone call which I was on for almost an hour After that, all I knew that I was fraudulently victim of losing my money from XXXX and Chase bank app XXXX were kind enough to resolve my issue timely and refunded the money as they investigated and found out that it was a fraudulent act but Chase bank gave me hard time A little back story about my health I am a XXXX survivor and STILL have a XXXX and XXXX XXXXt will attach my XXXX  injury card as well I am not having any job and no XXXX all I have is my savings but the scammers took $ XXXX from my chase bank and the bank is not giving me a proper response since last months. Please help me in this matter you are my last hope
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXXXXXX XXXXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I called the company ( Credit Acceptance Corporation ) about five years ago when I first notice that this fraudulent activity was on my report. I contacted the company and informed them that I never did business with them and if they could removed that from my credit report. I also informed them that I am a victim of identity theft. The company informed me that they will look into the situation and take care of it but never did. I have been disputing this activity for some time now and was told by the credit bureau that the company keep sending it back as accurate because it was being paid on. I explained to the credit bureau that whomever stole my identity was paying until they decided to stop and the company should understand that. I have done everything to prove to them that it is not mines and the company is still refusing to remove this account form my credit report.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/XXXX I was contacted on XXXX by the user name XXXX. I thought this was the day trader willing to give me training and invest my money. This user then told me to text him. He told me about an investment process that he would show me to make a ROI of XXXX dollars. ( I have all screenshots attached XXXX. I sent a total of XXXX dollars to the website https : XXXX  using the bitcoin wallet address XXXX. I was told I will receive my money back in 72 hours. I then came to the conclusion he was not the real " XXXX ''.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One XXXX  closed my account on XX/XX/2021 for no reason at all. They never disclosed what the issue was. I had previously filed a complaint against them for failing to refund my money from a fraudulent XXXX wholesaler. They failed to do this so I filed a complaint. On XX/XX/XXXX they closed my account and said they would be transferring my funds to an attached outside account if I had one within 2-3 business days. I do in fact have a linked XXXX outside account and it is now well over a month that they have not sent my funds to that account. THIS IS ILLEGAL. WE ARE IN THE MIDDLE OF A PANDEMIC AND THEY ARE HOLDING THOUSANDS OF MY DOLLARS. I would like them to send my money to my XXXX account now. They have held my funds for over a month prohibiting me from paying my bills. This is unacceptable, unprofessional, illegal and I will pursue this matter even if it needs to go to court.
Consumer complaint received 2021-05-14
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. (MO)

I contacted the bureaus and there is unverified debt on my report that's not mine. I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) SW 715.719. I Presume that no proof of the alleged debt, nor therefore any such debt exists. 

Here is the item : XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-05-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-05-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (FL)

Account verification for cryptocurrency exchange has not been verified after several days. Attempts at communication with customer support have not been responded to. 

All the required documents for the verification process have been sent. As it currently stands, I am allowed to purchase crypto but am not allowed to withdraw or send and currency until my account is verified. In other words, I am allowed to make purchases but can not withdraw or cash out my investments.
Consumer complaint received 2021-05-15
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. (GA)

I have been contacting the debt collector and bureaus about XXXX XXXX XXXX reflecting on my credit report. I request validation from bureaus they removed and reinserted without given me the proper notice on why? I contacted the debt collector and they sent me my medical details violating my rights. I did not sign a hippa release form for them to have that information. I contacted Equifax and XXXX about the hippa violation and the failed to remove the collection from my report.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (PA)

I paid off XXXX Chase credit cards on XX/XX/2021. AFTER they were paid off in full, XXXX balance showing, I was charged interest on the 'not paid in full balance ' from XXXX previous months. On XXXX of the cards, I was actually issued a 'credit refund ' and THEN charged interest. Several emails back and forth asking for reviews have just gone in circles with either deflection language or cut and paste answers repeated.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (FL)

Around the middle of XXXX I received a large direct deposit from the Florida unemployment office, I signed up for a PayPal account under the guise that they have direct deposit and the debit cards and all that stuff that goes with that everyday bill paying. I paid some bills, I paid some people of whom I owed money to, I used XXXX  a couple times and I got a hotel room. I received a an email from them saying that they had permanently limited my account and that they're going to withhold my funds of close to {$4000.00} for 180 days with no explanation of any agreement that I broke, just saying that they felt unsafe with some of my transactions. Now, you have to remember that some of these transactions were made after four months of not getting paid so I can only add {$300.00} to the temporary debit card a day so that was being done for a couple days, so I can get bills paid. Anyway I can't wait 180 days for the money to be returned. Paypal 's user agreement is flawed in, outdated and probably criminal. I have read several online post about people having the same problem, having their accounts permanently limited which means they shut your account down, they don't close it because if they close it, then they have to return the money and I can't even close it and there's a lot of talk of class action suits against PayPal on this topic but as of right now my issue is getting that money back as soon as possible so I don't end up almost I need that money it just came in and now it's it's frozen.
Consumer complaint received 2021-05-15
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. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX. My SS # XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX/XXXX XXXX XXXX # XXXX account is reporting on XXXX, XXXX 30 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Comerica (MI)

I refused an offer for overdraft protection From Comerica Bank. I am getting continuous overdraft fees athat i can not afford to be taken away from me, lest i be out on the street because i can not pay my XXXX rent.
Consumer complaint received 2021-05-14
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 previously had an auto loan with XXXX XXXX XXXX. The loan was successfully paid in full. On all three credit bureaus the closed loan is showing a 30 day late payment ( different alleged delinquency date on XXXX, Equifax & XXXX ). Also on my Equifax report the loan which was closed in 2020 is still showing open with a balance of over $ XXXX. This is preventing me from obtaining a mortgage for me and my young family. I have tried numerous times to get this fixed by disputing with XXXX, XXXX  & Equifax as well as XXXX XXXX XXXX, with no resolution!!!