davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Central Mortgage Funding, LLC (FL)

I had worked with CENTRAL MORTGAGE FUNDING ( CMTG ) for a loan with an objective to get some cash-out about XXXX to XXXX to help save the Kitchen and Remodeling Franchise business we had. 

CMTG was able to underwrite the loan provided a Loan Estimate with {$87000.00} cash-out, and on XX/XX/2022 : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- at the time of signing the Initial Disclosure, the cash-out was XXXX. 

But on XX/XX/2022 : however the final closing disclosure ( CD ) document had a cash-out of {$8700.00} 1. On the closing signing in event at my home a settlement officer came to get the signatures for the closing document. 

2. I refused to sign the CD, the settlement officer calls the loan officer late around XXXX XXXX to tell him that I am not signing the document. 

3. The loan officer then talks to me on speaker on the same call and pleaded with me several times for almost 10 minutes and told me that I have XX/XX/2022 to cancel the loan. 

4. At this point, we obliged to sign the document. 

5. Due to significant work that week ( Thursday and Friday and weekend ) due to a deployment for migration in my job, I had hardly had sufficient time to go thru the document. But on Sunday, I decided to cancel and on XX/XX/XXXX I signed the Notice of Cancelation and duly sent to Mortgage officer by email and as well by USPS overnight. 

Loan officer again tried to convince me to take the loan, I refused then he said the funds have been already disbursed so asked to talk to the mortgage company and have the money returned back. 

I worked with mortgage company had it returned on XX/XX/2022 after several calls with the previous mortgage company. 

But what title company did was to send another wire with the exact payoff amount which the automatic system took it and closed the loan. 

Now, the second mortgage funds with bank ( an SBA loan ) was not paid until XX/XX/XXXX week because the bank got acquired by another bank and they were not aware there was a payoff for my loan. After several follow-ups, they found where the funds were and got paid in XXXX. 

The other checks are still with me as instructed by the loan officer were never cashed. 

Now, they send an email that I have signed the CD and the loan can not be reverted. 

I feel cheated and distraught as the loan had added another XXXX XXXX to my debt. I am alreayd XXXX XXXX XXXX, the only way, I can payoff this loan is to sell it as I donot have the capacity to pay {$3700.00} every month after my retirement which I am yet to decide. 

I need justice, but legally, I have no options.
Consumer complaint received 2023-02-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX, I visited a Capital One " cafe '' branch in XXXX XXXX, XXXX, MA in order to resolve a freeze that had been placed on my saving account 3 months prior. ( I filed a separate complaint about this issue earlier today ). 

As I spent months trying to resolve the issue with Capital One, and they still would not remove the freeze on my account even when I went to this branch in person to verify my identification today, I demanded that they return my money from their savings account ( {$15000.00} ), which I had transferred from my bank account on XX/XX/XXXX. 

The Capital One representative told me they could not send the money back, would not explain why, and said I had to get the money back by going to my bank and asking them to retrieve the funds from Capital One. 

In essence, Capital One has held my money in this savings account for 3 months, have given me NO interest on it ( they advertise 3.4 % APY on this account ) and is not sending my money back to my bank account from where it came. I feel they are holding my money illegally. 

I have attached a bank statement which shows the {$15000.00} transferred out of my other bank account ( XXXX XXXX XXXX ) to Capital One on XX/XX/XXXX. 
I've also attached XXXX statements from XXXX and XX/XX/XXXX by Capital One showing the money in my savings account there and zero interest accumulated. 
Capital One has not provided me a XX/XX/XXXX statement still for this account.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (GA)

I closed on a XXXX refinance loan XX/XX/2023. 
However on or about XX/XX/2023 after signing and sending disclosure documents back to XXXX, I began getting an inordinate amount of calls, 7-10 per day for a week and in fact I am still getting them from Mortgage Companies wanting to know my interest in refinancing. 
Since I did not work with any other company than XXXX and my loan was a few days from closing, I wanted to where these Mortgage Companies got my name, phone number and other person al information. I was told that the credit companies XXXX used in processing my loan sent the my personal information to them. 
Sending out my information to companies I did not request should be unlawful. 
According to Credit Score Disclosure from XXXX XXXX, my information is sent to XXXX who intern released it to the Mortgage Companies. It is not a reach to think that someone is paying for the exchange of individual credit information. 
I object to my information being released without my knowing and permission which of course generated a huge number of robo calls from many different Mortgage Companies. It is an invasion of my privacy. 
The other aspect of this is that there was no benefit to me since my information was sent to these mortgage companies very late in the process with XXXX. 
Again my bottom line complaint is that these credit companies should not send out information to Mortgage Companies without approval.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Repprting 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, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right 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 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 2019-11-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (TX)

I have requested them to validate this note. This bad inquiry has been on my bureau for more than 4 years. After many request still no answer. please advise.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX. ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (MI)

On XX/XX/XXXX, XXXX shows that someone opened an XXXX card w/o my knowledge it has a balance of {$29000.00}. Again NOT ME! The info XXXX had was card number needed in XXXX, the date opened and the balance. They also had a member # XXXX. I tried several times w/ XXXX but they could not find any information on this issues. There is 2nd card applied and used w/o my knowledge. Date opened XXXX, XXXX, XXXX. Balance of {$510.00}. Card ending in XXXX. Again XXXX had no record but XXXX did? I was told to go this route. Both have opened investigations opened. Lastly there are 3 other credit requests performed w/o my knowledge, that XXXX shows on their side. They are as follows : XXXX. XXXX XXXX XXXX  on XX/XX/XXXX. XXXX. XXXX XXXX XXXX Bank ) on XX/XX/XXXX. XXXX. TD Bank ( Target ) XX/XX/XXXX. Someone obviously has my info. I have set up security lock w/ XXXX but now need to clean all this mess up. Thx
Consumer complaint received 2022-09-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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
Consumer complaint received 2022-10-17
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. (LA)

I have noticed unauthorized inquiries showing up on my credit report at each of the three major credit bureaus Reporting on XXXX XXXX  XXXX XXXX XX/XX/22 SXXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 Reporting on Equifax 1 XXXX XX/XX/22 2XXXX XXXX  XX/XX/22 3 XXXX XXXX XXXXXX/XX/22 I have not given permission for any of these creditors to pull my credit report and I believe I have been victim of identity theft
Consumer complaint received 2022-09-04
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. (PA)

I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts 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 2023-02-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

I have contacted MIDLAND CREDIT MANAGEMENT many times trying to get this debt removed thats bringing down my credit badly. They have failed to respond and I would like that debt removed off my credit.The credit amount is false and I never took out credit with this company.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2022-10-17
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. (NJ)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques (CA)

I have been paying them monthly and emailed them asking how much is left. No response or monthly statements of balance. I dont have dates of when this started which is why I want to know and they dont seem to care. I spoke to them on the phone ( dont recall ) after receiving a letter ( dont recall ) stating they ( XXXX XXXX XXXX  ) are the collection agency for a XXXX XXXX credit card. I told them sure Ill pay my debt but they wanted more than I was able. So they said they could not formally agree but I could make payments in good faith. So I began paying and even raised it to XXXX XXXX/mo. I just now lowered to {$100.00} because they wont tell me where the balance stands.
Consumer complaint received 2022-10-17
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. (TN)

Equifax has not updated my XXXXXXXX XXXX XXXX payment history or balance since XX/XX/2022. The other two credit bureaus are updated to XX/XX/2022 information. This is possible effecting my credit score because the credit availability is incorrect.
Consumer complaint received 2019-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MD)

I have made over {$2000.00} in payments to us bank reserve line XXXX. However they have not been applied to my account. Recently i made 2 {$300.00} in payments totaling {$600.00} and a couple months ago I sent in a {$700.00} check. Us bank never applies my payments or they apply them incorrectly and keeps charging me late fees and interest fees on incorrect balance. My balance that is due should only be {$400.00}. You need to investigate this company ASAP! Where is my money going??? CONTACT ME BY PHONE THEY NEVER CALL OR ANSWER ME
Consumer complaint received 2024-04-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (OH)

I tried several unsuccessful times to receive more assistance than just a couple month deferred temporary payments on this FHA Home Mortgage Bank to assist more with a longer term resolution such as a lower if my annual APR rate of 7 % to 5 %. 


Furthermore, US Bank Home Mortgage Loss Draft Department for escrow funds of an approved insurance claim in the amount of {$6700.00} dollars is being unfairly withheld by this department even though I have complied with all required documents to disperse the amount of funds initially requested by my contractor of {$5000.00}. They are asking him to assemble steps on a 25 % claim amount and not give him additional funds to assemble the steps, railings and landing that all need to be done together. How is my contractor supposed to assemble patio steps without any support!!? That is just ludicrous!!
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was away on Military duty in XXXX XXXX, LA since XXXX and someone stole my identity back in XX/XX/2022. I put a freeze on my credit report. But some how someone applied for XXXX different credit card that hit my credit report on XX/XX/2022. I call all three credit card company and none are willing to report this inaccurate information from my consumer report. 

XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I was out in the field training and did not have access to nothing to applied for this credit cards. 

All was access through XXXX credit agency. I requested all Three Main credit report agency that my someone stole my identity and alert too. 


I'm still waiting for all three companies to remove this inaccurate inquiries from my credit file. Yes I put alert in CFPB too Help please
Consumer complaint received 2019-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i am livid after all i been thru. i spent HOURS on the phone about this with dispute explaining it. i will not be using my cards now for some time. On XXXX i got my hair done. i was told that it would be XXXX that was what i saaw for XXXX. they then upsold me to XXXX i was livid. it was very deceptive. they use XXXX  like many merchants do to draw you in then they add charges on. then on XXXX i developed symptoms in my ear. Indeed water had been left in my ear and i developed a outer XXXX XXXX. i told XXXX the bank i wanted all my money back and i did contact XXXX XXXX. this is on my card ending XXXX they gave me some script back. I know i told them XXXX was my XXXX. bottom line i want it all back for the heck i have had all month inc a emergency room visit and 2 weeks p of needless pain from my ear water being left in it there i will pay nothing for this. today XXXX of XXXX i see it rebilled to, my account please send merchant response and why its on my account so i can respond i am now unable to use my accounts by choice. 

I explained all to supevisors they said they could understand my situation. and still wrong thing gets done i said dont come back and say i went there that day i dont dispute that. i want a refund and i explained why. i am not stopping til right thing is done but now unable to use my accounts. I suffered with a XXXX XXXX from the place. see how you would feel i have proof if i need to.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I was just going over my file I saw a few addresses that do not belong to me on my credit report. I was looking into getting a Government Job when I noticed the errors in my personal information. My address is XXXX XXXX XXXX XXXX XXXX OH, XXXX. I have been at this for over 5 years. The following addresses do not belong to me. I XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX CT XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I received my Annual PMI Disclosure dated XX/XX/XXXX stating how to have PMI removed. It states I need to submit a request for cancellation and provide evidence of value with my request and where to submit it. 

When I called today XX/XX/XXXX to verify my loan qualifies and to confirm the address where to send it I was told that I have to pay them a {$190.00} fee for this. No where in the paperwork from Pennymac I have discloses any fee. When escalated to management, I was told this was disclosed at settlement and it is a closing fee. 

I told them I bought this property 11 months ago and closing was already completed and this fee to remove my PMI is not disclosed anywhere. Then I was told to go to XXXX XXXX website and its listed there. 

Again this is a fee I never agreed to and was not disclosed to me. I have paperwork from them and it is not on the document with instructions on the process.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I discovered on my report inconsistency with the condition of the account. By law it is my right to have everything reporting on the said account is absolutely accurate. It seems to be innacurate and iconsistent amongs all 3 bureaus.