davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-12
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2017 To Whom It May Concern - I 'm writing to file a complaint regarding a recent ( beginning XX/XX/2017 ) experience with Bank of America regarding the processing and decisions made for a $ XXXX home equity loan on a property that had/has no mortgage or other liens against it. The end result is that after a fifty-five ( 55 ) day process of drip information requests by the second loan originator by phone ( the first loan originator was at a local BoA bank branch ( 1 hour of time collecting basic loan information ), my application was forwarded to underwriter loan processor, who informed me that she would n't approve my application. 
My complaint is based on the following : 1. The time taken just to ask questions and gather loan processor requested information - 55 days 2. The lack of clear and complete information requirements communicated in documentation provided to me via post mail, in multiple loan processor discussions during the loan origination process by the loan processor 3. The continued extension of time to gather a continued number of additional documents and requested information 4. The lack of clear communication along the process regarding my eligibility, or potential lack thereof 5. The communication received once the loan origination process was passed to loan underwriting 6. Updating my homeowner 's insurance policy was mandatory prior to underwriting review, which also added to the loan origination process time ; then, once underwriting declined, removal of this requirement from my homeowner 's policy 7. The first call from loan underwriter was to let me know that she had n't received my paperwork, and would I be willing to resubmit my paperwork ( after 55 days of submitting loan reference documentation to loan processing representative ) 8. After 55 days of loan processing requests and in my second conversation with mortgage loan underwriter, I was informed that the information I submitted along the process had n't been verified until the 55th day of the loan process. 
9. I had to set-up a checking account with BoA, which was completed prior to underwriter review in order to receive a loan rate discount. 

This loan process was a complete waste of my time and efforts in good faith to work with the BoA in information gathering and decision determination. The Bank should have known within 5 days of most of the information overall requested and provided whether I was qualified for this loan, and should have been able to verify any questions it had to determine my eligibility for the loan requested. 

I would like a complete review of this incident and process that was performed in order to show that the Bank was misleading in its communication and had no intention of offering me a loan at an earlier point in the loan process, but did not communicate it until nearly the end of the prolonged process and quoted time to process ( 60 days ). 

I can provide documentation as evidence that supports my complaint.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (SC)

I have a mortgage with Freedom Mortgage corporation that was purchased from XXXX XXXX XXXX. During this time they have increased my payment by {$1000.00} a month that I am not longer able to afford. They says it was due to a shortage in taxes. I have documentation where all taxes were paid and they are paid in full. They will not lower my mortgage payment back to the original amount. I can no longer afford no qualify for this loan amount and I have done nothing wrong.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring to your attention a concerning discrepancy in the reporting of my credit history by Equifax, one of the major credit reporting agencies. Specifically, I am disputing the late payment reported on my credit card account with XXXX XXXX, account number XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681, it is imperative that credit reporting agencies ensure the accuracy and fairness of the information they report. However, I have observed that XXXXXXXX XXXX is inaccurately reporting a late payment on my account to Equifax. 

This discrepancy is particularly alarming as the late payment is not reflected on my credit report with XXXX, indicating an inconsistency in reporting among the major credit bureaus. Per subsection b4 of 15 U.S. Code 1666, which addresses the correction of billing errors, XXXXXXXX XXXX XXXXs obligated to rectify any inaccuracies in reporting to ensure consistency across all credit agency reports. 

Additionally, in accordance with 15 U.S. Code 6802, XXXX XXXX  is required to provide consumers with the option to opt out of certain information reporting, such as late payments on credit reports. However, I have not received an opt-out form from XXXXXXXX XXXX  XXXX as mandated by subsection b of 15 U.S. Code 6802. This failure to provide me with the necessary opt-out information violates my rights as a consumer to control the dissemination of personal information and operate fairly in commerce. 

The inaccurate reporting of this late payment has had significant adverse effects on my financial well-being and ability to engage in various transactions. It has hindered my ability to obtain mortgages and extensions of credit, causing undue stress and hardship for myself and my family. 

In light of these violations and the resulting impact on my financial rights, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXXXXXX XXXX XXXX reporting. I also request that XXXXXXXX XXXX  be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

On XX/XX/2022 I I was at XXXX XXXX XXXXXXXX in XXXXXXXX XXXX Where I was looking to purchase a pre owned Car. I ended up purchasing a car that Day and during the process I incurred six hard pulls Across the three credit bureaus Experian XXXX and XXXX. End result I ended up approved and And taking out a loan that day from The lender that was best for me. Being that I was categorized as approved over For financing I am requesting that all hard poles be removed By all three credit bureaus In good faith As All they do is cause a negative impact on my score For no reason As in the end I left with a car that day And as I said I was approved. Please see attached document Proving my acceptance and approval For financing from the Company I ended up choosing to Purchase my vehicle that day.
Consumer complaint received 2017-04-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

loan XXXX Ocwen has failed to do a loan modification to h assist the homeowner ; now ID XXXX XXXX XXXX of Ocwen is requesting a " down payment ''. A down payment of {$100000.00} was made when the home was purchased 10 years ago. A repayment plan needs to be structured by Ocwen to assist homeowner.
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I started a home refinance with Wells Fargo in XX/XX/XXXX. I have met all of the conditions, been approved, paid for the appraisal, submitted all necessary doc -- several times. I keep being told everything is fine, just paper work delays on their part, yet is going on 5 mos now and we still have not closed despite being told repeatedly everything is fine. We were originally set to close in XX/XX/XXXX. When I 've called and emailed management, they apologize and say they will look into it and call me back ... 2 times they said this and have not called back. I would appreciate assistance with this, every month I am delayed I am pay hundreds of dollars more for my mortgage. 
I then receive and email from the customer service manager for mortgages asking how the loan is proceeding. I respond with the issues, and he replies that he will call me the next day. He does n't call or returns my emails. 
I now have been asked to again provide updated documents because the other have expired because this has take so long. I want to emphasize, we qualified for the loan, have had no issues with out paperwork and have many emails saying everything is fine.
Consumer complaint received 2022-08-14
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX XXXX ACCT # XXXX, and XXXX XXXX XXXXXXXX ACCT # 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 2017-03-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO Bank, N.A. (WI)

I need help with BMO Harris suspicious account activity. I have had 2 loans with Bmo harris for many years. 2 Mortgage loans. I went through a bankruptcy in XX/XX/2009 and reaffirmed on both loans. I have been making 2 monthly payments and I have recently tried to refinance with a different bank. I just found out that the 2nd loan has been sitting in a bankruptcy hold account and my payments have not been being applied to this loan. And on top of this they have applied over XXXX in Late charges to the account with out contacting me of any problem. I asked the representative why I was not contacted and she said because they can not contact an account in bankruptcy. The acct has been out of bankruptcy since XX/XX/2009. PLease help me.
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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Consumer complaint received 2017-07-21
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. (NC)

An account with XXXX XXXX shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to XXXX with no response.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (OR)

HELLO, I FILED A DISPUTE WITH XXXX ON XX/XX/XXXX CASE XXXX AN ACCOUNT THAT SHOWED UP ON MY CREDIT REPORT XX/XX/XXXX FOR : XXXXXXXX WITH JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX. I DO NOT KNOW WHO THIS COMPANY IS, OR WHAT OR WHY IT IS SHOWING UP HERE FOR THIS AMOUNT? 
THIS IS A SYSTEM ERROR OR IT IS FRAUD. 
THIS IS NOT MY ACCOUNT. I WAS TOLD TO WAIT 30 DAYS, AND THEN I CALLED AGAIN ON XX/XX/XXXX AND SPOKE WITH XXXX DISPUTE DEPT AGAIN. PER XXXX, THIS IS A SYSTEM WIDE ERROR WITH JEFFERSON CAPITAL, AND SHE HAS HAD MULTIPLE CALLS IN REGARD TO ERRORS ON REPORTS. 
SHE STATES SHE WILL FILE AN ESCALATED SPECIAL HANDLING ON XX/XX/XXXX XXXX SHE ALSO STATES THIS IS XXXX AND KNOWS THEY ARE OUT OF BUSINESS. 
ALSO, I AM A LONG STANDING XXXX USER FOR MANY YEARS, AND I AM NOT IN COLLECTIONS WITH ANYONE. XXXX HAS CLOSED MY DISPUTE TWICE. 
THIS ERROR NEEDS TO BE REMOVED IMMEDIATELY. I DO NOT APPRECIATE INACURRATE ITEMS ON MY CREDIT REPORT, AS WOULD ANYONE. 
I WORK HARD, AND I DESERVE TO KEEP A GOOD STANDING WITH MY REPORTS. 
THANK YOU
Consumer complaint received 2022-09-07
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2015-10-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: MNE Services, Inc (SC)

I was called by XXXX XXXX XXXX, who had my entire SS # so I thought they were real. They said that I owed over {$800.00} for a payday loan i never took out but would settle for {$430.00}. I checked and found that their number XXXX was a scam operation. I have contacted my bank concerning the scam.
Consumer complaint received 2017-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I was defrauded by the school ( XXXX College ). I was told I would qualify for grants that I did not qualify for and was faced with major student loans due to the illegal practices made my Sallie mae ( XXXX ).
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$230.00} o XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00} o XXXX XXXX Balance {$1600.00} o XXXX XXXX XXXX Balance o XXXX XXXXXXXX Balance - o XXXX XXXXXXXX Balance {$1600.00}
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION (CA)

Intended for cash out refinance, signed and paid {$1900.00} on XX/XX/XXXX for application fees, appraisal, credit reports etc, also opened a checking account and deposited {$1000.00} as instructed. Loan officer at the branch promised 4 weeks closing time, loan amount was {$370000.00}. 
4 weeks have passed and have not gotten any news or updates, upon checking with the officer I was told there are applications ahead of mine, such as purchasing needs to be taken care of first. Another 2 weeks have passed, upon checking with loan officer I was given the same answer. 2 months have passed, sometimes my inquires gets answered sometimes were ignored. Walk into the branch most of the times there are only 2-4 ppl there , 1-2 on the front. When request to see manager or anyone beside the loan officer there were never anyone available. 3 months have passed I was told the loan officer caught XXXX and my case can not be handled by anyone. Almost 4 months on XX/XX/XXXX finally the bank starting to request bank statements, insurance, Grant deed etc which I Have provided back in XX/XX/XXXX. So none of the documents provided back in XXXX deemed valid. 

They want the wordings on the insurance changed multiple times. Examples are name need to match the one on green card exactly, name on California driver license were considered invalid. Vesting had to change many many times, they want it word by word to match grant deed, the way insurance underwriter put it had 2 words different from the deed and the bank refused to accept. They made request to escrow to include interest rates and terms etc, escrow refused to comply with their requests. 

This was a stated income refinance and bank statements showed the reserve met their requirements, 4 months later they requested statements all over again and reserve amount increased. 

My intention was to take money out and purchase a new home. With their extended delays, excuses after excuses, very poor communication, I wasnt able to achieve my goal, I now have to endure delay in closing escrow, results to a much higher interest rate and higher purchase price. I requested cancellation of the refinance and they refused to refund all my fees except partial appraisal fee. 

At last I requested a release of my appraisal to a different lender, which I agree to pay any fees and they denied, a tiny little help request from a customer whos finance situation got tuned upside down due to their lies and delays, they still refused to help. 

Rumor this bank source their money from XXXX and with XXXX  current mortgage crisis, they just dont have the funds to do mortgage business in U.S. , so they just advertise products and attract customers to pay fees and open accounts with them, never intended to close any application.
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (GA)

I applied for a refi in XXXX XXXX. Freedom Mortgage has been completely unorganized. They continually are switching my account to different employees ... Losing my documents.. Requesting and re-requesting documents. They have lost information. It has now come down to where they wo n't honor my locked in interest rate and want to charge me additional fees. Freedom has caused the delay, with hiring and firing and losing documents. 
No one is on the same page. It has been 6 months. One person will tell me that the Quick Claim Deed does not prove that I am not financially responsible for another home in my name.. While another will tell me different. I am completely frustrated and feel like they are pushing me around because the rate has changed and want to charge me more fees. I have all emails since XXXX XXXX and all documents that I have provided up til now XXXX XXXX. Is there something that can be done? If I drop the refi.. They will bill me for appraisal and I will lose out on rate???
Consumer complaint received 2018-03-21
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: Experian Information Solutions Inc. (NY)

Report # XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed with them FORTY DAYS AGO ever since XX/XX/2018. Because they have gone way past the 30-day legal deadline and can not verify the account, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified. '' which includes the account I have disputed. 

Please resolve this matter ASAP. Thanks in advance.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Someone attempted to open a XXXX XXXX Credit Card using my identity on XX/XX/XXXX, 2016. When I got an alert, I called XXXX and the application was deleted. The hard inquiry on my credit report, however, remains. I have informed TransUnion that this is in error due to identity theft and I never authorized the application. TransUnion told me I needed a " Delete '' letter from XXXX. XXXX told me that they have no record of the application and can not issue a " delete '' letter. TransUnion has told me that, without that letter, they will not remove the inquiry.