davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (OH)

Flagstar Bank took over my mortgage in XX/XX/XXXX. I enrolled in bi-weekly payments on their XXXX website. Every XXXX weeks, XXXX of the mortgage payment is withdrawal from my bank. The first withdrawal is to be " held in suspense '' until the second withdrawal posts- they would then combine the two payments to make one complete payment.

I've had to call twice a month as they keep mis-applying the bi-monthly payments. Sometimes they put the funds in suspense, sometimes they apply to principal. There is not a clean transaction history for me to follow as they have over XXXX line items for what should only reflect XXXX. This is occurring due to their system as they end up having to do reversals to make it right. This is happening weeks later causing my loan balance to not be affected in a timely manner. 
Furthermore, I was making a selection on their website to make additional " principal only '' payments that again get applied to principal, then the history log shows they reverse it ( causing my balance to go back up ) and then they hold it in suspense. 

All of these errors are due to their system. My concern is my balance isn't being reduced on time when they receive my payment, and I'm being charged for interest on a balance this is incorrect. 
Mortgage payments were made on the following dates : XXXX & XX/XX/XXXX ( bi-weekly =combine XXXX to make XXXX monthly payment ) XXXX and XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX I've made calls the them starting in mid XXXX ( spoke with XXXX  ), end of XXXX ( spoke with XXXX XXXX, XXXX XXXX spoke with XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( spoke with XXXX ) XXXX spoke with XXXX, XX/XX/XXXX spoke XXXX XXXX and again on XX/XX/XXXX XXXX Called XXXX spoke with XXXX, XXXX didn't get the person 's name, XXXX spoke with XXXX for XXXX an hour and got transferred to XXXX ( XXXX ). No one seems to be addressing the fact that my funds aren't being applied to the loan balance in the timely fashion. 
I am concerned that they are practicing deceitful banking practices. I fear my balance is not correct, and I am being billed for interest on an incorrect balance.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Good morning, I have had a mortgage at Suntrust and at the beginning of XXXX, I change my mortgage to a different bank. On XXXX Suntrust paid my taxes for my house. I called them to stop the process but they told me it is impossible to stop at this type. On my tax bill, I can see that the Suntrust payment was rejected ( XXXX $ paid ) on XXXX XX/XX/11. I have contacted Suntrust to refund me for my money. I received multiple information, that the money will be refunded at the beginning of XXXX, then in XXXX and XXXX. Today, I was told by Suntrust that the money was the return on XX/XX/XXXX and I need to wait another 30 days to start processing the return. At this point, I have not to trust at all, since information like that was refer to me already multiple times. 

Anyway, I don't have money since XXXX last year, I don't see a resolution to my situation. I feel hopeless and injustice, given the amount of time that my money has been withheld for so long time.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I sent a letter out on XX/XX/2023 to Experian, XXXX, and XXXX. However, its been more than 30 days, and the credit bureaus failed to send my investigation back. This is unacceptable. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. I have no recollection of authorizing these credit pulls, and I demand that they be removed from my report immediately. The unauthorized inquiries are as follows : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing this credit pull, and I demand this inquiry to be removed. 

XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing this credit pull, and I demand this inquiry to be removed. 

XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing this credit pull, and I demand this inquiry to be removed. 

I kindly request that you promptly investigate these unauthorized inquiries and take the necessary actions to remove them from my credit report. The unauthorized inquiries are affecting my credit score and overall financial well-being. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and error-free credit report. I expect these inquiries to be removed in a timely manner to ensure the integrity of my credit history. 

Thank you for your attention to this matter. Please provide a written response within 30 days to confirm the actions taken to address these unauthorized inquiries. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/year> XXXX XXXX, XXXX sent a verifiable request to TRANSUNION by certified mail for a copy of my FULL FILE DISCLOSURE including a copy of my US PASSPORT and a bank statement for address verification. XX/XX/year> I received a credit report from TRANSUNION which was NOT what I requested. Please review all attachments as this is a 2nd attempt to request my FULL FILE DISCLOSURE from TRANSUNION.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Over the last 3 months i have been trying to get the bureaus to correct incorrect info on my report regarding late payment status reporting on my credit reports. After sending multiple letters, providing any needed documentation and verifying my identity, i have received no proof or documentation validating this info, and no update to the late payments which are incorrect and hurting my ability to get funding.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to register a formal complaint regarding the persistent presence of fraudulent items on my credit report. Despite my previous efforts to dispute these inaccuracies, they continue to harm my creditworthiness and financial well-being. This letter serves as an official request for the immediate removal of these fraudulent entries. 

The fraudulent items on my credit report that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I previously reported these fraudulent items to your agency on [ mention the date of your initial dispute ], providing supporting documentation and evidence to establish their fraudulent nature. However, despite my efforts, these items persist on my credit report, causing undue harm to my creditworthiness and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is accurate, complete, and free from inaccuracies. The continued presence of these fraudulent items not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. 

I hereby request that your agency conducts a thorough and comprehensive investigation into these fraudulent items, reviewing the documentation I have previously provided and any additional evidence that may be pertinent. It is crucial that you take immediate action to correct these errors and ensure the removal of these fraudulent items from my credit report without further delay.

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued dissemination of these inaccuracies.

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the fraudulent items from my credit report. Please acknowledge the seriousness of this issue and its substantial impact on my financial well-being.
Consumer complaint received 2023-09-22
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (TX)

My complaint went unanswered until recently - almost 2 years after the complaint was filed with CFPB. 

The new lender sent me documents they received from Champion during their buyout. 

Champion Mortgage lied to CFPB and is the reason I never received a copy of their answer. The fraud and deception is shameful. For this lender to have misrepresented the facts to CFPB only goes to show you how comfortable they are with their deceptions. I am attaching the answer to CFPB - not the XXXX date they claim the loan was transferred to them on. I kept every document since XXXX. 

Note the {$3000.00} foreclosure attempt when my escrow was in excess of XXXX. 
Note the full and final release they provided instead of this answer. We believed we owned the home because the statue of limitations had expired by 5.6 years from the date of death of last borrower. XX/XX/XXXX - foreclosure was on XX/XX/XXXX. 

They have stolen tens of thousands of dollars from the Loss Draft account - these insurance proceeds were from two named storms in XXXX and Hurricane Harvey XXXX. 

The lender had an inspection company trespass and they left the main gate open allowing my cattle to escape.
Consumer complaint received 2024-08-20
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. (FL)

I have made multiple efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my name, as I have been a victim of identity theft.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been going through issues with Capital One for a few years now and for some reason I'm being discriminated against every time I open an account with them. My credit is good and I've been approved on two occasions ; when I applied for a Capital One Card and I opened a Kohl 's account and my account was opened and then closed for no reason revealed to me. I don't have any Identity theft or anything of that nature right now, so the only thing that is apparent is discrimination for whatever reason. I'm a tax paying citizen that should not be going through this with a card company. I don't have any freezes on my credit or anything of that nature, so I need this resolved ASAP. They closed my account without any reason given to me and on top of that I even opened a secured Capital One Card with my own money and they closed that card as well and still haven't sent my money back that I used to open my account. This is totally unacceptable and someone needs to explain what's going on and quickly get this corrected. The discrimination has to stop and furthermore the egregious act is that the Company closed my account over 2 months ago and still hasn't sent me my funds that I used to open the secured account.
Consumer complaint received 2023-09-22
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. (UT)

THIS ACCOUNT IS NOT MINE, ALL OF THE INFO IS INCORRECT, NOT SURE WHERE TRANS UNION GOT THIS FROM BUT IT'S NOT MINE!!! THERE ARE CLEAR ERRORS HERE THAT WERE NOT CORRECTED THE FIRST TIME I DISPUTED THIS. SEE ALL ATTACHED, YOU NEED TO REMOVE THIS ASAP! THIS WAS MADE UP BY YOU AND NOT THE FIRST TIME IT'S HAPPENED!
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I called Bank of America fraud department to question their denial of my fraud claim. The first representative says they are transferring me to the correct department but I end up back where I started, having to input my info and explain myself to a new representative. It has happened four times today.

On top of that, their claim denial looks like a form letter. They are denying it for reasons that I am not disputing. 
Bottom line is that I am getting the run around.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/year>, I applied for and was approved for the Unlimited Cash Rewards credit card, which advertises increased cash back benefits for Preferred Rewards members. The requirement for Preferred Rewards eligibility is to have a Bank of America checking account and at least $ XXXX in assets under management. I attempted to open a checking account online and enroll early in Preferred Rewards, but I was informed that I needed to visit a branch for identity verification. 

During my branch visit, I emphasized how important early enrollment in XXXX Rewards was to me, and I was assured it had been activated. Early enrollment is supposed to take effect almost immediately, with a XXXX grace period to deposit the required $ XXXX. I successfully opened the account and deposited the funds by XX/XX/XXXX. 

Since then, Ive called Bank of America three times, and each time Ive been told the same thing : the branch teller who opened my account did not complete the process correctly. Despite spending hours on the phone and being told my issue was escalated, Ive gone through the same XXXX waiting period XXXX times without resolution. 

At this point, it seems my only remaining option is to submit a formal complaint.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have continually followed up with the companies as well as the credit bureaus of XXXX XXXX and equifax and they refuse to remove the information or provide any documentation to substantiate their position regarding credit XXXX and XXXX funding
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

While collecting records for my personal expenses, I noticed that I had previously cancelled credit monitoring services through Experian through their " XXXX XXXX '' program. Since then, they have obfuscated their publicly accessible records in their online member login page. Phone calls do not reach a live representative, there is no email contact available, and self-help services do not allow me to request previous billing history. This is deceptive and harmful as I do not have any reasonably simple method of retrieving these previous transactions and was NEVER notified by email how much and when I was charged. I was ONLY notified once the monitoring service was cancelled when I had been paying monthly for this service. I have the cancellation confirmations as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, but I do not have any start date confirmations making it impossible to know how much I was charged for each subscription. Their publicly available phone number for membership matters does not connect to a live rep and simply hangs up after requesting a live agent multiple times for such a simple request.
Consumer complaint received 2023-08-31
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XX/XX/XXXX 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-22
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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. 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.