davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had lost a phone and wallet when I was moving out of town. I later found it was my old roommate. Whom had resetly passed Away and I had sent and faxed all supportive documents to the bank and still haven't received anything from them but another complaint filled and this has gone on way to long. I need the money I never received and this is not fair. I disputed transactions and put in complaints and it's just not fair or going anywhere. I put in my XXXX the times I contested the description for them saying I let someone use and steal my XXXX money so they denied my dispute when that Isn't the case and I don't have anything from them to backup there desition on my account. Just need to get what's owed to me and I can be done with this headache. What time and gas, phone calls and hours on hold to be once again back to square one and there rebutle was we haven't received anything from you staying my case and supporting evidence hasn't been received after XXXX faxed and XXXX plus hours on phone to have the excuse that there are no supportive documents to grant money to me. Don't know. What else I can do to get what I never received.
Consumer complaint received 2016-02-05
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (TX)

We started a refinance process with Nationstar Mortgage in XXXX of 2015. They jnformed is that we had to get approval and then we had to go through a trial period until they would complete the paperwork. During our trial period we would report as late but as soon as the refinance went through, it would be XXXX out as long as the trial period payments were made on time. It took over a month but finally we were approved for our trial payment. We made our payments on time. We still recived collection calls that after a few minutes the lightbulb would go off and they would appologize for calling. We wathed our credit score drop even further during this trial but just hoped that the refinance would be quick. Finally 3 months were up. It took us trying to call several times to find out the next steps. Finally they said paperwork was being sent out. A week passed and we never received it, another several calls were placed. Finally someone called us back saying that the paperwork was mailed but that they would email it. A few days after we recieved the email, the overnight package with the paperwork arrived on our door. We scrounged up our witnesses and put time we didnt have ( XXXX ) and went to a bank were they could notorize the paperwork. Paperwork was sent back through fax. We waited several weeks and finally tried to get in contact with them again, several messages later we finally recieved a callback and found out there was a document missing, we refaxed it. Something was still wrong. We had to start over, We took more time out, had witnesses take time out of their day and start the process over, that was XXXX XXXX. We XXXX the paperwork back to them, with the holidays and all the craziness of having XXXX, time got away from me but I really thought our paperwork had gone through. XX/XX/XXXX I review my credit report and it shows me 8 months past due with Nationstar, several were 120 days. I sumitted a claim to dispute which they fought. Tried several times to call again, once being hung up on because they were having system issues. Finally got ahold of someone and was told that once again something wasnt right about our paperwork and it had to be redone and that is why I was still reflecting so far past due ( even though I have continued to make my payments on time every month ). Today I recieced notice that one of my credit cards was being cancelled because of newly serious delinquency. The only account showing deliquent is Nationstar. i want all negative credit marks removed now and I dint want any additional work from us to complete the refinance on our mortgage. This has gone on long enough and our credit and time has been effected enough.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I've already spent months trying to correct mistakes on my credit report because maintaining good credit is crucial for me. These errors have significantly harmed my financial opportunities and taken a toll on my emotional well-being. Unfortunately, my requests and complaints have been repeatedly ignored, worsening the impact on both my life and my credit.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2023 I received an email from XXXX asking me to confirm my email address. I have no accounts with BofA nor interest in doing business with them so I was skeptic. The email contained a note that read : If you dont recognize this activity, call us at XXXX. I did a quick XXXX of the number to ensure it was indeed Bank of America and called them. The gentleman who answered the call confirmed that someone was indeed trying to open a XXXX XXXX XXXX XXXX XXXX XXXX. However despite me calling the number in the email he could not help me. He transferred me. I had to start over with the second rep, he also could not help me and transferred me. The third rep did not seem well trained, she was not confident and had a poor attitude. She was unable to find any application unlike the first gentleman I spoke to. The train I was on entered a tunnel and the call dropped. Frustrated that it was so difficult to report a fraud attempt I gave up. I spent 15 minutes with BofA talking to three different people while on an international roaming call with no resolution. I forwarded the email verification request to XXXX and never heard back. 

On XX/XX/XXXX I received an email with subject : Action needed please unfreeze your credit report and call us. The email came from XXXX. It referenced the XXXX XXXX XXXX XXXX XXXX Card application that the first BofA agent found. 

Because I have zero faith in the XXXX XXXX XXXX I have all three of my credit profiles frozen. I am pleased I had this foresight because it appears BofA does not have correct safeguards in place to handle fraud reports. We are multiple days into this experience with no resolution.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-02
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. (MD)

I am a victim of fraud someone is using my SSN to obtain things in my name XXXX, trans union and XXXX  has been notified of this and nothing is being done about it. 
I need this to be resolved pronto.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

According to 15 U.S. Code 1681 ( a ) -Congressional findings and statement of purpose and 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports, XXXX XXXX XXXX had no written authorization from I, the consumer to provide my private information to any third party affiliates. XXXX, Equifax, and XXXX are all third party affiliates. Per XXXX XXXX Financial Terms and Conditions, listed under " Other terms and conditions '', it states in " Information Sharing '' that they may release information in their records regarding me and my credit account. Also under " Our liability to you '' it states that they will meet their duty to to care for my credit account ( s ) under reasonable banking procedures which they have failed to do. 

In their Privacy Notice it clearly states that their affiliates include financial companies such as XXXX XXXX , XXXX and XXXX XXXX XXXX, not XXXX, XXXX, or Equifax. It also states that companies not related by common ownership or control. They can be financial and nonfinancial companies. 

Under 15 U.S.C. 6805, you are required to ENFORCE the Privacy Act of 1974.

15 USC 1681-Fair Credit Reporting Act, I the consumer have been violated by XXXX XXXX XXXX . I have been emotionally damaged, humiliated, and have been suffering tremendously in pain.
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute certain information on my credit report that I believe to be inaccurate and incomplete. Upon reviewing my credit report, I have identified discrepancies related to the following accounts : I have attached supporting documents, to substantiate my claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to complete the investigation within 30 days. I look forward to your prompt response and the correction of the inaccuracies in my credit report. XXXX XXXX Date Opened : XX/XX/17 Balance : {$1500.00}, XXXX XXXX Date Opened : XX/XX/17 Balance : {$730.00}, and XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 2017-12-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

This is just the tip of the iceburg -- there inability to process or track simple payment is more than negligent. In XXXX XXXX Mr.Cooper ( formerly NationStar XXXX provided final payoff amount and instructions. I provided requested Cashiers Check via USPS which MrCooper signed for on XXXX XXXX XXXX. For 2 months MrCooper has been claiming Cashiers Check was invalid, 1st they didnt have it, then NSF ( insufficient funds ), then 'return to maker '. This is even after I provided proof they received funds, endorsed, submitted it to my bank, and my bank fully reconciled cashiers check. The people at MrCooper did n't seem to understand how a cashiers check is different from personal check ; they were unable to provide proof nor front/back copy of check. Long story short, I think I figured out they actually did cash cashiers check, then tried to fraudulently submit it a second time which is what my bank rejected. Even after I provided proof of their actions they continued to claim my loan account was not paid. They demanded I send them another cashiers check. If you read on complaint web sites, you will see this follows there standard policy of delay, delay, delay in an attempt to extract more and more money. 

I would request to speak with a supervisor and Mr.Cooper would transfer me. I 've gone 5 or more levels up their supervisor chain and person on phone told me they were a supervisor with Executive Customer Support. I suspect that in reality all of the over 13 people I talked with were all first level support and not supervisors. 

Additional documentation is available
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2024-06-03
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-02
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. (PA)

I'm in disagreement with the account listed below which still appears on my credit report, even after your company 's investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 61, provide the names and business addresses of each individual with whom you verified the account with. Please send me an updated copy of my consumer report after your re-investigation.
Consumer complaint received 2023-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (NV)

I purchased a home in XXXX Oregon in XX/XX/XXXX, in XXXX I had financial hardships which led me to calling Wells Fargo and asking them to refinance my loan and help me stay in my home. I begged Wells Fargo for help explaining my situation and asking for a workable solution which could have been refinancing my existing loan. They just continued to tell me there was nothing they could do. 
Dealing with Wells Fargo was exhausting and demeaning. They would switch you around to different people. I was then told I was being foreclosed on and that I would need to move. I continued to make house payments for 3 months but WF started foreclosure proceedings.

Prior to moving I contacted Wells Fargo and told them the exact day I was leaving the house and I would drop the house keys off at Wells Fargo which I did. I assumed they would watch out for the house knowing it would be vacant. 
I moved XX/XX/XXXX to Nevada shortly after I moved squatters broke in. They went to the street turned on the water and ran up {$1000.00}. + dollar bill and sent me to collections. I called Wells Fargo mortgage and asked them to help secure the house which they did nothing. I asked XXXX police to see if they could remove them since I lived in Nevada and could not help. They did go over and tell them to leave. Not long after that squatters came back cut the lock off the water main in the street and broke in again. I called Wells Fargo again and asked for some type of assistance in securing the house to prevent damage they told me I was responsible until the property is foreclosed on but they couldnt tell me when that would happen. The police went back and kicked the squatters out again and boarded up the property weeks later I received a letter from the city saying they were going to sue me for having the house boarded up. I called Wells Fargo again trying to get some help with the house but they essentially said its your problem we dont know when it will foreclose till then its your problem. 
When Wells Fargo finally foreclosed they made a homeowners claim against my insurance company! They had the nerve to say household items were missing! No kidding! how many times had I tried to get help from Wells Fargo to secure the property. My entire dealings with Wells Fargo and their total disregard for me or my home the took 2 years to foreclose on was astounding. The shame I endured losing my home the city I loved and my friends was heartbreaking. The house sold in XXXX for XXXX and is now worth XXXX.
Consumer complaint received 2023-05-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.
Consumer complaint received 2023-03-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I purchased a used car, a XXXX XXXX XXXX and financed through Huntington Bank in XXXX. I was XXXX at the time. A year later, the car was totaled in an accident. My insurance wouldn't cover the entire amount, however I had purchased Gap insurance at the time of buying the car. There was around {$330.00} left to be paid. My dad, my co-signer, contacted the gap insurance company to get the remainder paid off. There was an issue with them where they wouldn't contact or pay the bank directly. We spent months talking with Huntington and the gap insurance company trying to get the situation settled. I was under the impression that it got taken care of from the gap insurance company. I pulled my credit and found that every month for the last FOUR YEARS, there's been a derogatory mark on my report because the gap insurance company in fact did NOT take care of it. The negligence of Huntington Bank and the Gap insurance company has caused damage to my credit score. Neither company contacted me or my dad in regards to the delinquent account. I was unable to even see when viewing it within XXXX XXXX. I contacted Huntington to see if they could help correct it, but all they can do is mark the account as charged off after I paid the balance. More than I'm concerned about the money I wrongfully just paid, I'm upset about the four years of damage to my credit due to someone not doing their job.