davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I have filed XXXX complaints with cfpb last year regarding bank of america not properly returning my funds to my account after giving police reports, identity theft docs and statements stating that my car was broken into when I was living in My car.. all my identification.. birth certificate, GOV ID, social Id.was stolen and was then later used to pull out funds that was already waiting for from previous fraudulent activities. They credited my account and money was stolen. I never received it. But got a letter stating case resolved .... money was missing. 

This claim has been open since XX/XX/ and they have been denying the claim for XXXX up until today. 

I've been fighting to get this straightened out and back in XXXX of XXXX  on the XXXX they stated it was denied once again. I asked for a reconsideration and they ended up putting the claim on an XXXX, the claim has been pending ever since, no update or anything until XXXX. They credited my account XXXX $ but not XXXX They denied the claim for XXXX But gave me credit for another claim. 

I am beyond furious ... .. this is destroying my life. I need this money ASAP. 

I have been waiting soooo LONG and I have been very respectful and patient. 

I can't handle the mental trauma I'm facing anymore ... .... I'm getting my hopes up only to find out my claim sis being denied. 

I can't receive mail. I'm homeless and I have health problems and alot of doctors appointments to go to ..... I live in my car and can't afford to take care of myself right now .... I'm currently having car problems and can not drive. It's one thing after another and nobody is helping me. 

I've giving police reports and all back in XXXX of XXXX .... it's XX/XX/XXXX now.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO DEPT OF HUMAN SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX XXXX account was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STONEGATE MORTGAGE CORPORATION (FL)

Stonegate Mortgage merged with XXXX XXXX XXXX. They suspended credit reporting last XX/XX/XXXX due to their merger, and they have told me they would resume reporting by XX/XX/XXXX. All payments have always been made right on time at the first of every month. My credit reports still show Stonegate Mortgage with the last payment date of XX/XX/XXXX and the balance as of last XX/XX/XXXX. I have repeatedly attempted to correct this via both email and telephone. XXXX XXXX is either unwilling or unable to report my payment history and balance correctly. My latest credit reports dated XX/XX/XXXX remain incorrect, with no history since last XX/XX/XXXX!
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: C&F MORTGAGE CORPORATION (VA)

C & F Mortgage Corporation and/or XXXX and XXXX XXXX, XXXX XXXX, Virginia including all of it officers, employees, agents, assignees, successors whether past or present failed to provide notices regarding the consent order submitted in the " United States of America, Plaintiff v. C & F Mortgage Corporation, Defendant '' case no. : XXXX dated as received XXXX XXXX, XXXX and filed on XXXX XXXX, XXXX. The Objection on behalf of the XXXX XXXX XXXX XXXX XXXX 's attest to not receiving notices. Please attached to previously filed complaint XXXX and XXXX.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

My mortgage is serviced by LoanCare and from the beginning it has been an absolute nightmare. Our monthly payment should have been around {$1800.00} however our first payment and every one thereafter for 3 years was {$1700.00} according to the statements they sent us. I inquired about it and was told that was the correct amount due, {$1700.00}. SO that is what we paid, every month, on time for 3 years. Now all of a sudden our payment has jumped to over {$2000.00} because they realized they were not charging us PMI as they should have been all of this time. We have continued to pay our {$1700.00} because we were not notified of the change. Now our loan is in default and we are getting warning letters. I do not feel that because loancare screwed up for 3 years that is now our fault. I do n't mind paying the new payment amount of {$1800.00} going forward but I should not be responsible for their error for the past 3 years and be made to catch up immediately. Futhermore, they are no longer posting our payments. I made my XX/XX/XXXX payment and it cleared my checking account, they cashed the check but they will not apply it to the loan! Now my credit is affected poorly. A quick XXXX search of loancare will provide you with numerous other customers in my same situation.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (NY)

Equifax is offering the credit monitoring due to their negligence. I went to the site to register and I am uncomfortable re-submitting very delicate information that they already have. I went through their first step of checking whether my information has bee compromised - and it has been, in addition to my XXXX  adult children and my husband 's info. 

Should n't they just be offering this monitoring without citizens having to re-submit the information they have? I am not comfortable putting all that information into their " fix '' website. 

This has effected half the country. They need to be arrested and those that are left need to step up and fix this ASAP. 

Please review this. 

Thank you very much.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (TX)

I opened a bank account with Wells Fargo in XXXX, took out a credit card but never paid back what I owed.Now on XXXX I decided to pay what I owed to try to reopen my account and could n't because I have a bad report now I need help to finding out what I need to clear everything to be able to reopen my account with Wells Fargo.
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I contacted you prior regardinging this issue ( XXXX & XXXX ; XXXX ). The XX/XX/XXXX IRS form 1099C shows the amt of debt discharged as  {$170000.00} on XX/XX/XXXX with a fair market property value of {$70000.00}. Due to misapplication of payments for XX/XX/XXXX & XX/XX/XXXX to an account ( 2nd lien ) that was closed in XX/XX/XXXX, I was denied the 2nd ( {$110000.00} ) & 3rd (  {$58000.00} ) installments ( see page 7 of 8 of OLS Form ( rev.XX/XX/XXXX ). The effective date of the loan modification was XX/XX/XXXX which should be completed in 247 months if the contractual obligations are met. 
Today XX/XX/XXXX, I spoke with a male claiming to be XXXX, XXXX ID # XXXX @ XXXX regarding my payment reconciliation history. He claimed that it was ok for Ocwen to charge property inspections fees everytime the payments go over 30 days as well ad late fees. A check of the history shows charges going back to XX/XX/XXXX. Several Payments were placed into forbearance acct instead of applying to the mortgage from on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX while property inspections & Valuation expenses fees were charged on XX/XX/XXXX. No explanation for {$280.00} to Investor Suspense on XX/XX/XXXX. Could n't understand why charged property Inspections & Valuation Fees on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, even though payments were on time since signing the agreement on XX/XX/XXXX. No explanation why {$770.00} was placed in suspense acct & not refunded. 
Recod shows that 1st Deferment was done on XX/XX/XXXX for {$58000.00} ( requesting IRS Form 1099C for XX/XX/XXXX ). Page 7 of 8 of the contract shows that the deferred principal balance would be {$170000.00} from XX/XX/XXXX-XX/XX/XXXX. The 2nd deferment the principal balance would be {$110000.00} from XX/XX/XXXX-XX/XX/XXXX. This was never done because of the misapplication of payments. XX/XX/XXXX statement dates shos the deferred balance. XX/XX/XXXX & XX/XX/XXXX shows the same since there was no adjustments. Two years later after contacting the CFPB, on XX/XX/XXXX, the 2nd deferred balance ( {$110000.00} ). This would correlate with page 7 of 8. But the 3rd deferred payments if {$58000.00} was never done.It should have been done from XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc. (TX)

On the XX/XX/XXXX I received a letter from NCAC ( debt collection ) agency regarding the outstanding debt of {$2500.00}. 

On the XX/XX/XXXX I emailed the representative to advise this amount is disputed between their client and myself due to multiple issues and provided an unanswered letter to their client. 

The NCAC representative said they spoke to their client and have made the " final decision '' that I am still liable for {$2500.00} ( without providing a statement or validation of debt prior ) and will have my credit rating negatively affected if this payment is not made. 

The outstanding debt is in dispute due to violations made by the XXXX XXXX and myself. They made several changes that affected my stay in the apartment and caused damages to my property. NCAC is not a court of law to make decisions on disputes between two parties.
Consumer complaint received 2017-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I have sent a letter out to the agency on XX/XX/XXXX disputing a debt of {$1800.00} and with delivery confirmation, I knew they got it on XX/XX/XXXX. This letter requested the agency to send me all the information by law about the debt within 30 days. There was no response from the agency. On XX/XX/XXXX I had a letter sent out by my attorney regarding the issue.
Consumer complaint received 2017-09-18
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: DISCOVER BANK (LA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Date opened XX/XX/XXXX Amount of {$4700.00} this has been a battle since XX/XX/XXXX when I discovered this account. When I received a phone call demanding payment. When I called Discover card last week, they told me the reason I received a bill, was because they could not invalidate or validate fraud so I was held liable for this account. I said so you want me to pay you money for something I never had never used? The guy I was talking to from the fraud department said well someone has to. I asked is there anything I can do, and he said no because we can not invalidate or validate that this was fraud. I asked him to reopen fraud investigation, and I receive a letter stating they can not do so without additional information. I asked the guy what more can I do. I already made a report with the Federal Trade Commission. Im going on XXXX years old I dont know what to do. Please help me. I 'm on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. This is not the way I want to spend my last bit of life. Please help me.
Consumer complaint received 2017-09-18
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. (GA)

My complaint is against TransUnion. In XX/XX/XXXX, I noticed the account types had been changed for two of my paid off accounts. Though the accounts were paid off, a change in the account type from an installment to a revolving account with a XXXX balance would make the account count against me. These accounts had previously been reported correctly and had been paid off long before this arbitrary change was made. So, the merchant did not change the account type after it was paid off. Transunion made this unauthorized change. 
I requested that the account types be changed back to the appropriate type. Additionally, I made a point of telling them NOT to remove my good accounts from my credit profile- and yet they did it anyway. Transunion also removed a second good account, my federal student loan, which left me with a credit report skewed towards negativity. This is a common practice with the credit reporting agencies, some more than others. Transunion is notorious for it and I am requesting that they not only reverse the harm that they have done to my credit, but that they are monitored, regulated and occasionally audited in the future. 
This sort of permissible behavior contradicts the fair credit reporting act. If this Act is in fact legitimate, then I want to see it enforced! Credit reporting bureaus have far too much influence on consumers ability to enjoy the basic freedoms that are supposedly endowed to us as US citizens to be allowed to operate unchecked and unregulated. 
Enclosed you will find files containing a copy of the two accounts : XXXX XXXX and XXXX XXXX XXXX as they appeared when last reported correctly. The receipt of the complaint filed for not only those two accounts, but also XXXX XXXX ( XXXX ), which was also erroneously reported as being included in my bankruptcy. A copy of the results is also attached. A 2nd file shows all of the good accounts, most of which you will not find in the 3rd file, which is the last credit report that I requested. The cover sheet in file # 1 will show that I have been in Transunions file since XX/XX/XXXX, but strangely there is not a handful of good accounts on my credit report. Something is very wrong with this reporting system.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.
Consumer complaint received 2017-09-18
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. (TX)

All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the XXXX XXXX XXXX all XXXX credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the XXXX XXXX XXXX to demand on my behalf that all XXXX credit bureaus remove all of this Consumer 's XXXX XXXX XXXXs, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX or similarly sensitive information. All relations with these XXXX credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all XXXX credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the XXXX XXXX XXXX for protecting XXXX XXXX information, XXXX, and XXXX.
Consumer complaint received 2024-09-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Lima One Capital, LLC (TX)

On XX/XX/XXXX, I provided payment information for an appraisal fee totaling {$4000.00} plus {$350.00} ( proof of payment attached ) for a home purchase. The appraisal fee was originally requested ( request attached ) on XX/XX/XXXX as a part of the package that the Project Coordinator would submit to underwriting and request the appraisal. 

After collecting all documents and information, the XX/XX/XXXX on XX/XX/XXXX confirmed that the loan package was submitted that morning for appraisal request and underwriting ( confirmation attached. ) Upon review by underwriting, my loan was declined, and therefore, never submitted for appraisal. 

After several phone calls and weeks of follow up XXXX XXXX confirmed that I was due a refund and it would be processed in XXXX business days ( attached ). XXXX XXXX XXXX refunded {$350.00} plus {$3700.00} on XX/XX/XXXX, a remaining {$300.00} is still owed to me. 

After following up again, the lender advised that {$300.00} was withheld as a " trip fee '' supposedly paid to the XXXX ( explanation from lender attached ). However, my loan was declined prior to an appraisal being requested. Additionally, no XXXX was assigned to my property and no contact was made to me by an XXXX to schedule a visit to the property. 

Despite multiple requests ( requests attached ) for a refund of this {$300.00}, XXXX XXXX XXXX has stopped responding to my communications and has not provided the remaining refund. I appreciate your attention to this matter and request your assistance in resolving this issue and addressing the unfair practices involved.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.