davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Nothing in your system is a perfect match for my issue. 

I received a call from XXXX Fraud Department that someone applied for a credit card in my name. I looked on my credit report and found that BofA, XXXX XXXX, TD, and XXXX Bank all had hard inquiries. The same day, I received a letter fro BofA that the application was denied. I tried to call BofA to tell them that this was fraud, and they make it impossible to get in touch with anyone. I have no accounts with BofA, their automated system requires me to input my card number, of which I have none. I tried my SS and it said it didn't match my phone number and prompted me to enter a card number again. I asked for customer service, but it would NOT connect me without a card number. They are an awful company, they took a fraudulent credit card application, and they do not allow for anyone to report the fraud. I called all the other companies that had applications made and ALL of them answered and made the process easy and seamless. BofA makes it impossible. It is a stressful situation being a victim of identity fraud and instead of helping, they make matters more stressful. Application reference that appears on the paper I received today from BofA is XXXX
Consumer complaint received 2024-06-18
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. (FL)

i reviewed my consumer reports and noticed that i had XXXX late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account that i have included screenshot inside this complaint in on date XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2019-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I was trying to buy concert tickets and the person on XXXX said to send money through XXXX. I said, " how do i know if i send you money you'll send me the tickets '' and they said " its a secure transfer through your bank ''. They gave me a phone number and a name to find on XXXX, I transferred the money ( XXXX ) and waited for the tickets. They never sent them and disappeared. I immediately called Wells Fargo and they opened a claim. Right after that I called non-emergency police and filed a claim as well as said to press charges if they find the criminal. I gave them the XXXX XXXX ID number, and all other information I had. Wells Fargo closed the claim and said I can resubmit with any new information, I tried again and it was closed again saying it was not fraudulent, and taking not helping with XXXX at all. I called to find out information, and all they said was they can not " go into someone else 's account and retract funds '' even with a police report. I issued a complaint on the phone then with Wells Fargo, and they said they'd mail me any updates. XXXX has no fraud department, and hangs up on you when trying to connect. I don't know what else to do at this point. 

Date of money transfer through Wells Fargo using XXXX : XX/XX/2019 Amount : XXXX
Consumer complaint received 2019-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

We are currently paying Mortgage insurance. We have had the loan for over 6 years. The loan originated sometime in XX/XX/XXXX/XX/XX/2013. According to everything I have read, the MIP can be eliminated after 5 years if the LTV is less than 78 %. The appraised value of our home, as noted on the loan, was {$530000.00}. I originally tried to have it discontinued after after 5 years as that is what I was told when i got the loan and the house appraised at $ XXXX. I was told the law changed and it was now 10 years. I recently looked up the law myself and discovered it was still 5 years for loans that originated beforeXX/XX/2013. I applied to have it discontinued and was told the LTV is greater than 78 %. We currently owe {$340000.00}. By my calculation, that makes the LTV 66.84 %. When I called the company, they told me it was becasue you have to wait 10 years. I cited the law. They said, " Owe, sorry, our mistake ''. Then they said it was because I had late payments. I have not had a single late payment although there is a line on my history of payments that says " fees for late payment '' but the line is {$0.00}. I printed the report. Then they told me it was the LTV again. But when I ask them the value of the home and the payoff, they say that there is a clause or something that they won't share that make the LTV greater than 78 %. I have called several times, every time we go through the same process of them claiming the three different reasons and when I accurately refute them all, they tell me that someone will get back to me. At this point, we have paid well over {$4000.00} in MIP that we should not be paying. I don't know how to get rid of this without hiring an attorney that would just cost more money.
Consumer complaint received 2024-06-18
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. (TX)

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TN)

I am writing to file a formal complaint against Navy Federal Credit Union for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around Navy Federal 's inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ).

In addition to the FCRA violations, Navy Federal has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable.

Despite providing Navy Federal Credit Union with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers.

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Navy Federal Credit Union 's practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct.

Navy Federal Credit Union must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes.

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.
Consumer complaint received 2019-07-09
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. (GA)

I have reached out to you guys before about some things on my credit that are not mine. Im trying to help my mom get a loan for her expensive meds until she start working and this is keeping me from moving forward with my life. I am doing this on my own behalf. I have also contacted the FTC and my local police. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX  XXXX US DEP ED, XXXX and some account that only have an account number XXXX.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (IA)

I would like to express my dissatisfaction with the service I received from Navy Federal Credit Union. Over the years, I have encountered multiple instances where my accounts have been mishandled, and I strongly believe that this treatment has been influenced by XXXX discrimination. 

One recurring issue that I have faced is being locked out of my account on numerous occasions. This has made me feel like a criminal, as I am being punished without just cause. Additionally, I was wrongly accused of misusing my accounts due to a returned payment, which was promptly corrected. It is important to note that I had previously taken out loans with Navy Federal Credit Union. 

During a period of permanent account lock ( not closure ), Navy Federal Credit Union refused to allow funds in my accounts to be transferred to make card payments, resulting in late payments being reported. This situation left me feeling defeated and ultimately led me to give up, as it became apparent that engaging in a prolonged battle with them would be futile. 

I hope that Navy Federal Credit Union takes my concerns seriously and undertakes the necessary steps to rectify these issues. It is disheartening to experience such treatment, especially from an institution that is meant to provide reliable and fair financial services to all of its members. I am formally notifying them of a notice of suit and demand.
Consumer complaint received 2023-12-17
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: Experian Information Solutions Inc. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian XXXX XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I found out the creditor didn't give the required XXXX-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo denied a {$5000.00} claim.. Will not help me get my money back from a dead end merchant that I can not get ahold of. I filed police reports and closed my accounts, changed my online banking info $ & got a new debit card. They state that I made no attempt to drain my account, when I specially told them to close it and lock it!
Consumer complaint received 2019-07-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FBC MORTGAGE, LLC (FL)

From XXXX XXXX I was contacted by FBC Mortgage , LLC Underwriter XXXX XXXX and she was disrespectful and Call me to verify a credit card that was paid off and was at a XXXX balance. She had me call XXXX on the phone with her on the line to verify that it was a XXXX balance. I had to state my password and other personal information and once I completed the call I called XXXX and changed my information. I submitted documentation showing my credit card had XXXX balance and credit in my favor. I also submit the document for my XXXX XXXX as well. She went on to ask me why I purchase grocery at the military base and why did I withdraw {$140.00} from the ATM. She stated are you sure that was your XXXX XXXX  money and that is when I stop speaking to her. When I requested FBC mortgage for her information and that I will like to file a formal complaint against her for her unethical and disrespectful behavior. I feel she was discriminatory towards me because of my veteran status. FBC gave me only an email to file the complaint and no one has contacted me. FBC refused to give me her information or reprimand her or even apologize for your behavior. This is no way to treat a veteran and a XX/XX/11 survivor. This underwriter is biased towards veterans.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a dispute regarding inaccurate late payment entries on my credit report. Upon thoroughly reviewing my payment records, I discovered these erroneous late payments listed, despite my accounts being current. Over 30 days ago, I submitted correspondence contesting these entries and requesting validation, but regrettably, I have not received a response or satisfactory resolution. I am respectfully seeking your prompt assistance in rectifying this issue.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am writing to file a formal complaint against XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around XXXX XXXX inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ).

In addition to the FCRA violations, XXXX XXXX has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable.

Despite providing Blue Green Vacations with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers.

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Blue Green Vacations practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct.

Blue Green Vacation must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes.

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

l. I am writing to bring to your attention several instances of inconsistent personal information on my credit report. I have identified discrepancies in names, addresses, phone numbers, and employer details that I believe are impacting the accuracy of my credit profile. In reviewing my credit report, I have observed the following variations : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX Phone Numbers XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Spouse or Co-Applicant : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I acknowledge how important it is XXXX have accurate and consistent personal information in my credit report. Such inconsistencies may result in credit reporting inconsistencies, which have an influence on my financial condition. I respectfully request your assistance in investigating and fixing these issues as soon as possible. 
Please find supporting paperwork such as my utility bill, a clear photo of my driver 's license, and my social security card enclosed with this letter, and this proves the accurate facts linked with my credit profile. I appreciate your attention to this matter and am confident that with your assistance, we can resolve these discrepancies promptly. Thank you for your time and cooperation in ensuring the accuracy of my credit report.
Consumer complaint received 2023-12-17
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. (PA)

I have 2 accounts on my credit report from XXXX XXXX. XXXX I paid off over 7 years ago and another that I paid through their collections company XXXX XXXX XXXX. My debit is clear and this is against the law to report debit that isnt there. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

Please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im begging you to remove these items. Ive already paid my dues
Consumer complaint received 2023-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (CA)

On or about XXXX Nationstar transfer the service to Mr. Cooper. I have been requesting a loan modification on my loan and I really thought Mr. Cooper will give me a loan modification, everything they request from me I send it to them. I have Never denied to make my mortgage payments but they always decline my request even though I prove to then that I can make my payments. They are violating the Homeowner Bill of Rights that became a law XX/XX/XXXX, XXXX in XXXX XXXX gave a very predatory loan and discriminated me when I went to their office to get a loan for my house. I purchase a house for {>= $1,000,000} put 20 % as down payment, have excellent credit and I was making good money to qualified but instead of giving me just one loan, they give me TWO LOANS, INTEREST ONLY ADJUSTABLE RATE NOTE WITH A 6.25 % AND THE SECOND LOAN WAS HOME EQUITY CREDIT LINE INTEREST ONLY ADJUSTABLE AT 8.25 %, I was paying {$7200.00} dollars every month with out any XXXX going to the principal