davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

The cliff note version of what happened is that when I started the loan process, the one thing that I said was that the loan had to close by XX/XX/XXXX. I was told IN WRITING on XX/XX/XXXX that the loan amount would be {$630000.00}, the rate would be 3.75 % IO, the payment would be {$1900.00} and " the loan would take 3 weeks to close ''. ( Written documentation was provided several times ) This was reiterated on XX/XX/XXXX when I was told IN WRITING that " the loan would take around 30 days to finish. '' ( Again, written documentation was provided. ) From that point on, I performed - I did everything Union Bank asked me to do. And yet the loan ( inexplicably ) took more than 120 days to close!!!!! And when it did close, despite the fact that I was told numerous times during the process that there was no rush to lock the rate because the rates don't move much on this type of loan, the loan amount did change to {$640000.00}, the interest rate changed to 4 % ( originally they quoted 4.25 % but they lowered it to 4 % ) and the payment changed {$2100.00}. : - ( The only explanation I was given from Union Bank as to why there has been a more than THREE MONTHS long delay is that underwriting was backed up.??? This delay cost me more than {$3600.00} ( if the loan had closed on time ( before XX/XX/XXXX ), I would have paid approx. $ 2700+ in mortgage payments in XXXX and XXXX but because the loan did not close on time, I had to pay $ 4500+ in XXXX and XXXX!! ) + {$4600.00} increased loan amount and will cost me approx. $ XXXX/month in payments going forward ( $ XXXX ). Not to mention all the unnecessary stress!!!!! The facts are Union Bank set improper expectations and then mismanaged the timeline of my loan. As far as I know, my situation was elevated several times from XX/XX/XXXX - mid/late XXXX so there were plenty of chances for senior management at Union Bank to acknowledge/apologize for the improper expectations ( that they set ), reset expectations and then manage the timeline accordingly. ( Honestly, had they done that, we probably wouldn't be here today. ) But they never did that. They completely bullied me - they tried to blame me for stuff that happened prior to XX/XX/XXXX ( which is irrelevant since it was on XX/XX/XXXX that I was told IN WRITING that " the loan would take 3 weeks to close '' ), they brought up things that were not an issue during the process but then became convenient excuses after the fact, they brought up things that never happened, they made factually incorrect statements, etc. And they suggested that waiving a {$550.00} application fee and the 4 % loan ( still up from any # I had been quoted during the process ) was fair compensation. Considering the delay caused by Union Bank caused me more than {$8200.00} ( more than {$3600.00} in mortgage payments plu {$4600.00} in increased loan amount ) and will cost me $ XXXX/month going forward, I do not agree!!!
Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE FOLLOWING ACCOUNTS ON MY CREDIT REPORTS ARE A RESULT OF IDENTITY THEFT. I HAVE FILED A COMPLAINT WITH THE FTC AND THE POLICE IN XXXX FL. 


US BANKRUPTCY COURT XXXX/DEPT OF ED US DEPT OF ED XXXX US DEPT OF ED XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint concerns credit card FRAUD by both Capitalone Credit Cards and XXXX video streaming. Back in XX/XX/XXXX I had XXXX service, at XXXX XXXX/mo. and cancelled it as of that month and the charges stopped at that time. Suddenly in XXXX ( caught in XX/XX/XXXX ) i start seeing XXXX  again, now {$9.00}, charged to my Capitalone credit card. I report this fraud to Capitalone and so they cancel and replace my card with a new one AND a NEW CARD NUMBER, start an inquiry, and credit the two {$9.00} charges. Then SOMEHOW, THEY GIVE my now NEW CREDIT CARD NUMBER to XXXX, and the charges begin again! Finally I have to request that Capitalone BLOCK XXXX from charging to my card. That was last year and the charges ( and DAILY XXXX emails for me to fix my payment account ) finally stopped. Now AGAIN, this month, XX/XX/XXXX, XXXX has started charging this new card number again, and Capitalone is allowing it again. These two companies should be stopped and fined.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-10-15
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. (DC)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I qualify for student loan forgiveness, having XXXX for 25  years. I am XXXX now and never missed a loan payment. I merit to have the remaining {$5000.00} balance dismissed by Navient and DOE
Consumer complaint received 2022-10-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am REALLY upset AND disappointed. 
The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2019-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (WI)

Hi I just went for a car loan was turned down never was I turned down for a car loan and imm XXXX so have had plenty, credit report as via XXXX  is great except a XXXX owed to XXXXXXXX XXXX XXXXd on my credit report dont know how i could charge XXXX grand at XXXX and we dont even have a XXXX store in wi. for prob 3 years then 6 days later this letter from cci contract callers inc XXXX ga. XXXX shows up wainting XXXX so 3 years later the 2nd time I have heard of this debt first time when car dealership says oh we cant give you loan because of this on your credit report says previous creditor XXXX   XXXX XXXX XXXX acct number XXXX unless it was my ex girlfriend who liked to charge but 3 to 4 years after XXXX stores closes give me a break and she has left town no body knows where she moved to just up and left Please help I have no car my son took care of my old car and now I cant get a loan because of this .... thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wi XXXX
Consumer complaint received 2022-10-14
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. (TN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Accounts.XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX, # XXXX, XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXXXXXX XXXX # XXXX. Has violated my rights under sections 15 U.S.C 1681 section 602 A States i have a right to privacy, 15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instrutions,15U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reports containing any of the following items of information any other averse item of information, other than records of convictions of crimes which antedates the report by more than 7 years, U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related 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 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

We direct your attention to the evidence presented at trial in 2019, a letter from Ocwen Loan Servicer, your predecessor, as a response to the defendants complaint to the Consumer Financial Protection Bureau and accepted as evidence by the court, which stated that XXXX XXXX XXXX XXXX XXXX ( XXXX ) is not and never has been the owner of defendants Mortgage and Note. 

Your company has no legal Standing in this matter, yet you have continued to send deceptive demand letters for payment despite numerous attempts by defendants to stop you. 

We are again requesting that you stop sending these letters.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (NY)

KeyBank advertised online that they would apply a {$200.00} promotion after a qualifying direct deposit within 60 days of account opening. I specifically followed that advertisement to open an account and satisfied the terms immediately. The bank never applied the promotion. I researched and the terms said it could take up to 90 days to apply to the promotion so I waited patiently. After nearly 90 days, I contacted customer service and they say they have no record of me signing up with the promotion despite me stating I ONLY signed up because I saw the promotion and followed the advertisement and subsequent steps. Now Im told because the promotion is expired ( after I've waited the indicated period of the promotion ) that there is nothing customer service can do.
Consumer complaint received 2020-02-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

Unfair Practice Pursuant to Section 5 of the FTC Act ( 15 USC 45 ) I recently closed a loan with Loandepot. The closing took place the evening of XX/XX/2020. Included in the closing package was a preliminary settlement statement that included prepaid interest starting on XX/XX/2020, the expected date of funding. I received notice on XX/XX/2020 at XXXX XXXX ( attached ), after close of business, that the loan had funded. The receiving institution posted the three funding wires to my accounts on Monday, XX/XX/2020. 

I requested from Loandepot an updated closing statement that correctly reflected the funding that was posted on XX/XX/XXXX, and a refund of the excess accrued interest on the settlement statement for which I was billed beginning XX/XX/XXXX. Loandepot provided a copy of the funding notice email, already provided on XX/XX/XXXX. I again requested evidence from Loandepot ( see attached email ) that the funding actually occurred on XX/XX/XXXX. That request has been unanswered and had the company provided the necessary evidence to substantiate the claim the funding occurred on XX/XX/XXXX, this complaint would not be filed. Due to the fact that the company can not or will not provide evidence of funding, I can only reasonably conclude that such evidence does not exist. 

In addition, I have ascertained that the receiving financial institution received the three funding wires on XX/XX/XXXX, all after XXXX XXXX  ( wire receipts attached ). This is a full 24 hours after my notification that the loan was funded. In addition, XXXX is after the wire cutoff time for the receiving institution, which is why the funds were not posted to my accounts until Monday, XX/XX/XXXX. I have also attached the payoff statement from the receiving institution indicating a payoff on XX/XX/2020. Since the funds were not available to me until Monday, XX/XX/XXXX, I respectfully request that the accrued interest for those days between XX/XX/XXXX and XX/XX/XXXX be refunded to me.
Consumer complaint received 2020-12-23
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. (PA)

XXXX  is a company that has given me a hard time for decades. I am a member of their data breach Class action lawsuit. 1st they did not even provide me a copy of my free credit until I contacted the CFPB. Which is and was highly suspect due to our history together. Which seems to be personal on their part. I am a XXXX veteran they have absolutely no respect or concern about that. The report my Military status date as recent and incorrect. They have ignored correspondence that I sent from XXXXXXXX XXXX XXXX. XXXX and XXXX papers sent by me from XXXX XXXX XXXX stating that the account in question can be removed due to my sever Military XXXX injuries, XXXX  and hospitalizations which caused the misunderstanding. They forgave me for my serving the country and they understood that my situation wasn't on purpose and unavoidable. XXXX  has refused to recognize. They know they haven't been fair with me that's why they didn't send me a free credit report until I contacted the CFPB. I am complaining about incorrect information on credit reports, shoddy investigations concerning my credit reports, refusal to provide a report until reported to CFPB, Refusal to recognise correspondence proving that said accounts were positive and if not to be removed immediately, Showing accounts in good standing as adverse that account being the XXXX XXXX  account that is paid as agreed, Reporting account said credit granter XXXX said could and should be removed due to XXXX Veteran Status and being positive until injuries and hospitalizations was sole reason for setback. And Treating the council wealthy persons as privileged and XXXX and low income as least important. I have but not yet decided upon contacting the Pennsylvania human relations commission for some type of discrimination due to my XXXX in the military. Please respond to my complaint any other information that's needed and references can be provided. Thank you!
Consumer complaint received 2021-04-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (VA)

I had cell phone service with XXXX they sold to XXXX. I was not able to get service with XXXX and XXXX told me to go back to them. I did this for 3 months before I went to XXXX  because I needed service. I tried XXXX again in XXXX and still didnt have service in my area. They let me out of my agreement and I went to a provider that works in my area. I tried to do what they wanted but they refused me service. I owe nothing and this date of XXXX is incorrect. 
Service was XXXX XXXX and I believe part of XXXX. XXXX we were on cricket. They keep changing the date to keep reporting it.
Consumer complaint received 2020-02-24
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 sent off my disputes for XXXX  for account with XXXX XXXX and account number XXXX. I have no idea about this account and its the ONLY negative thing on my credit report. I would like for this other person account be removed from my credit file.
Consumer complaint received 2016-06-18
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BMO Bank, N.A. (IN)

my home equity loan with m & i bank in XXXX wi. was bought by bmo bank after about 5 years, after paying on it another 5 years never missing a payment and always on time. they told me it had come due and they would not renew it. there was no due date on my contract with m & i. i have a XXXX credit score. and have never been late on payments or filed bankruptcy. bmo advertises, were here to help. not in my case.they want to go in default with it. i dont know what i can do. please help
Consumer complaint received 2020-02-24
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. (SC)

I have sent off my disputes for Experian for account with XXXX XXXX and account number XXXX. I have no idea about this account and its the ONLY negative thing on my credit report. I would like for this other person account be removed from my credit file.
Consumer complaint received 2020-02-24
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. (MO)

My identity has been seriously compromised and abused to say the least. Im demanding that the following accounts be blocked and removed from my credit file immediately, all accounts are fraudulent. I'm also demanding that the credit reporting agencies that's reporting these unauthorized accounts show just cause via The Method Of Verification used to even obtain these unauthorized accounts. And if such information can not be granted then the credit reporting agencies shall remove the following immediately. 

1 ) XXXX XXXX XXXX {$2400.00} 2 ) XXXX XXXX XXXX   {$0.00} 3 ) XXXX/XXXX XXXX {$11000.00} 4 ) XXXX/XXXX XXXX XXXX XXXX {$5700.00} 5 ) XXXX XXXX XXXX XXXX {$1000.00} 6 ) Missouri Div Child Support {$4.00} And also please remove all fraudulent inquiries and that's all of me
Consumer complaint received 2019-07-16
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. (OH)

On XX/XX/2019 I sent a letter to Transunion ( see attached letter to Transunion ) regarding a listing on my credit report for XXXX XXXX XXXX with a balance due of {$710.00}. I had made several attempts to contact XXXX XXXX XXXX, however the phone number listed for them on my credit report is no longer in service, as well as a phone number I found for them online. I then tried their website, however the website is no longer active. I have no way of contacting them to resolve this issue, yet they continue to report this account which is negatively affecting my credit ( see attached screen shot from XXXX  credit report ). 

Yesterday ( XX/XX/XXXX ), I received a letter from Transunion stating they contacted XXXX XXXX XXXX  who verified the information on my credit report was accurate.If I can't find contact information for XXXX XXXX XXXX, how was Transunion able to contact them and verify the information on my report? 

I phoned Transunion yesterday after receiving their letter to inquire how this account was verified since they have no active contact information. I requested Transunion remove the account since I have no way of contacting XXXX XXXX XXXX, and have no way of resolving this account. The only solution I was given by the Transunion agent was to submit another dispute. 

Since the number listed on my credit report for XXXX XXXX XXXX is disconnected, and I notified each of the three agents I spoke with about this incorrect error, Transunion is willfully reporting inaccurate information on my credit report in violation of the FCRA.
Consumer complaint received 2015-10-31
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK (CA)

On behalf of the XXXX XXXX+ customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : IC3 Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that Scottrade also provide a public response.