davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Good afternoon, I am writing you in hopes you can be of assistance in correcting this misuse of HAF funds by Bank of America.

My Mortgage Servicer Bank of America requested, received and applied my HAF California Mortgage Relief funds incorrectly.

Per Californias HAF program Plan submitted to the U.S. Treasury for approval the goal of this program is to bring California Homeowners mortgage 's to a fully reinstated " Current '' status. Unfortunately that is not what happened.

I was approved for the California HAF program under the California Mortgage Relief Program. However, the funds requested by me to bring my Mortgage to a fully reinstated " Current '' status {$24000.00} as of XX/XX/2022 had been changed to {$9800.00} by a representative of the California Mortgage Relief Program per my loan servicer BofA.

I had contacted both BofA and the CA Mortgage Relief Program numerous times to inform them of how important it was to have the correct amount funded to fully reinstate my mortgage to Current as my home was and is now again in a forclouser status.

However, I was not contacted back byeither party prior to funds being paid to BofA by the CA Mortgage Relief Program in the amount of {$9800.00} which was intended to bring my Mortgage to a fully reinstated " Current '' status per the " Congratulations on your approval, funding and funds being applied by your loan servicer to bring your mortgage to a fully reinstated Current status '' email I received from the California Mortgage Relief Program ( which it did not ).

My loan servicer Bank of America did not apply the total amount of funds recieved {$9800.00} to my principal balance as intended by California 's Mortgage Relief program.

Funds where applied : Principal Balance : {$7000.00} Interest : {$1900.00} Escrow : {$390.00} And held in Unapplied funds account : {$520.00}.

I believe this to be an intentional misuse of Federal Covid-19 CARES Act grant funds by Bank of America . I believe this intentional misuse of funds was committed by Bank of America so they could continue to proceed with the forclouser sale of my home. I believe that Bank of America did this against the intended purpose of the HAF program so they could profit off of the funds received from the California Mortgage Relief Program and then double dip into all the additional funds they will receive on the forclouser sale. I believe Bank of America Intentionally misinformed the CA Mortgage Relief Program of the amount needed to bring my mortgage current and then intentionaly misused those funds intended to bring my home to a fully reinstated " Current '' status. Leaving my XXXX XXXX veteran husband and I in desperate need of assistance again. 

I have sent a Notice of Error to Bank of America and a email to the California Mortgage Relief Program with no response received.

Thank you in advance for all of your assistance, XXXX XXXX XXXX XXXX XXXX XXXX If needed please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-12-06
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. (PA)

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. 

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 and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My information has been compromised, some entities are using my information to get services. I just get a receipt for a XXXX service that I had no knowledge of. I do not want my name to be used in obtaining a vehicle that they could filledcup with bumbs and go blow up any building.
Consumer complaint received 2018-07-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX and XXXX I sent payments of {$200.00} each to pay for items purchased from seller. After numerous attempts to get products ordered, the seller agreed to a refund. After numerous attempts to get refund went unanswered I contacted XXXX and my Bank of America for help getting refund. Temporary refund was given to me while investigation was done. Proof was given to bank which clearly showed that the seller agreed to a refund but never gave me one. The bank apparently worked with XXXX to retrieve my funds but XXXX disputed the case by sending in proof that I made the payments. The bank then sent me letters stating my dispute was closed and the temporary credits were going to be reversed on XX/XX/XXXX and XX/XX/XXXX and i need to contact the seller. Im frustrated and angry the bank that I have been with for over 20 years does not have my back when it comes to this situation. The dispute was not whether or not I paid, the dispute was I didn't receive my goods that I purchased. So for them to dismiss my claim because XXXX sent then proof that I made the payments is simply ridiculous to me. I am a single struggling parent that does not have money like that to just let go. Im fighting because I need and my child needs my money.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I did not consent to, or authorize or benefit from the following fraudulent inquiries. PLEASE block and remove them. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2022-05-18
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. (LA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2. I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER CXXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2. I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-04-08
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. (GA)

XXXX - XXXX - {$430.00} XXXX XXXX - XXXX - {$860.00} XXXX - XXXX - {$6300.00} Department of Education - XXXX - {$170000.00} XXXX - XXXX -- - {$2500.00} XXXX  XXXX XXXX - {$5500.00} In according to the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have a right to privacy and the right to determine what information is personally released about me. I have tried several times to remedy this the companies directly through email and US Mail. This company continues to publish information that is false and hurting my ability to live a lifestyle with the similar privileges of my peers.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/year> my account with Bank of America ( BOA ) was closed and a check ( copy attached in files below ) of my remaining funds was issued and sent to me through mail. I deposited the check into my XXXX  account ( deposit receipt attached in files below ) on XX/XX/year>. The funds were delayed for 10 days as it is the norm. On XX/XX/year>, the funds were cleared however a hold was placed on the funds by XXXX pending an investigation which involved XXXX reaching out to BOA to confirm the funds. XXXX informed me that they require a " receipt of indemnification '' form from BOA to conclude their investigation and release my funds. I visited a BOA branch and they were able to provide me with a receipt of the check showing all the information ( copy attached in files below ) as well as my bank statements showing that the funds did come from my account however they told me that they never provide indemnification forms or even know why XXXX would be withholding my funds because the funds had already left their accounts at that moment and they couldn't do much to help. Since then it has been back on forth between XXXX and BOA. I set up an appointment with a XXXX XXXX on XX/XX/year> to discuss what other solutions were available for me. They kept requesting the same document as before. I then set up another appointment with BOA on XX/XX/year>. The new manager informed me he would put in a request with the back office for the receipt of indemnification and that it should be ready two days later on XX/XX/year>. It wasn't ready on the XXXX and they informed me to return the next day XX/XX/year>. When I returned, they provided me with their account closure department number and advised me to call the number and they will instruct me on what to do next. When I called, BOA informed me that the best way they can help me is for XXXX  to reject the check and return the funds to the original creditor ( BOA ) and that they will reissue me the check and that they can't do much more because the funds had already left their account and that it is XXXX  who has suspended the funds. However, whenever I reach out to Chase, I am informed that they can't move on with their investigation to release the funds without receiving a receipt of indemnification form from BOA and the funds will be suspended indefinitely without knowing the final date. BOA also provided me with their check verification phone number for XXXX to call and verify the check and the funds. I provided the number to XXXX but I do not know why they wont call them to verify. BOA keeps assuring me that the funds have already cleared from their end and that it is XXXX that is holding these funds and they aren't exactly sure why. These are my savings and I need them to pay bills and support my family. Please help! I have been back and forth between these XXXX banks with no end in sight.
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This needs to be sent to XXXX, XXXX, TransUnion. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 62 % of this account is paid off Balance on XXXX XXXX, XXXX {$3600.00} Original loan amount {$9600.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type XXXX XXXX In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they can not file a collection lawsuit .XXXX  XXXX, XXXX. If a collection agency calls about an old debt that you think is past these limits. This account is past these limits and also this was reported without my knowledge. This is bringing down my credit and should be removed from my credit report this reported to all three credit agencies and should be removed from all of them. This needs to be sent to XXXX, XXXX, TransUnion.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (MD)

Since XX/XX/XXXX ; I've called and emailed Contemporary Information Corp. ( CIC ) in efforts of removing ( 2 ) erroneously reported evictions ( without success ) to XXXX from leasing company XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. Both dates in question were judgments in which I paid my rent late ; however, supported by documentation to include : a letter dated XXXX XXXX, XXXX from the XXXX leasing manager of the apartment community where I was a current resident in good standing and further stating that I'd never been evicted with an attached general ledger from initial date of occupancy, XX/XX/XXXX through move out date of XX/XX/XXXX, address of my apartment rental, and proof of payment of both reported dates. Thus, further proving that I remained a resident well beyond the erroneously reported dates. Moreover, a judgment in Maryland with an accepted/cleared payment after a court filing w/out the landlord requesting the court issue a " warrant of restitution '' is not considered an eviction yet CIC refuses to accept my documentation and remove the false reports of eviction. As a result of their erroneous reporting ; I am suffering tremendously and have been denied multiple rental properties and am currently living in a hotel.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I was laid off of my job in 2011. My mortgage was with XXXX XXXX XXXX at the current time. XXXX XXXX XXXX was working with me in a forbearance on my loan. During the time I was in my forbearance period my loan was stole to Bayview Loan Servicing llc. Bayview stated to me that they was n't honoring the forbearance that XXXX XXXX XXXX had granted me before the loan was sold to them. Since my loan has been with Bayview I have tried getting a modification several time with no success. While looking for avenues to save my home I learned that my loan was switched from an FHA to an conventional loan without me signing any paperwork. Bayview has attempted for foreclose on my property which led to me filing bankruptcy. Since I have filed bankruptcy I tried for a modification again. It has been several months with no communication.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-08-16
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. (AZ)

I am filing this grievance against Equifax as I have exhausted all options with trying to fix my credit profile I have with them. I reached out to Equifax on XX/XX/XXXX to find out why my credit items were not reporting with them. I was advised I had to mail in my IDs so that they can verify my information. I reached out again on XX/XX/XXXX as Id received no communication from Equifax. The representative I spoke with advised she has no receipt of the IDs mailed in and escaled the issue with case # XXXX. Of course this was very upsetting as the information mailed to them is highly sensitive information. Over that weekend I received communication via USPS from Equifax with an incorrect address along with a letter stating I have no credit. I have five open lines of credit reporting to XXXX and XXXX with no issues going back to XXXX. Attached to this complaint you will find the communication. My SS # should not be attached to anyone else and needs to be resolved post haste so that MY profile with XXXX mirrors what XXXX & XXXX are capable of doing. Timing is of the essence as I am working on a mortgage loan. This is my second time submitting this complaint to CFPB due to it being lost in your system and being advised to resubmit it after I had waiting 15 days after the first complaint was submitted.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (IL)

On XX/XX/year>, I discovered that my identity had been compromised when I noticed an unauthorized car purchase amounting to {$6400.00} on my credit report. Realizing the severity of the situation, I immediately took several steps to address the issue. First, I contacted the credit reporting agencies ( XXXX, XXXX, and XXXX ) to report the fraudulent activity and place a fraud alert on my credit files. This alert notified potential creditors to take extra precautions before approving any new credit in my name. 

Next, I filed a detailed dispute with each credit bureau, providing them with evidence that the transaction was fraudulent. Additionally, I reached out to the creditor listed on the report to inform them of the unauthorized purchase and requested an investigation. To further protect myself, I reported the identity theft to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and filed a police report to create an official record of the incident.
Consumer complaint received 2022-05-18
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. (GA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 604 A section 2 states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instruction. 

The account opened XX/XX/2020 Amount {$2500.00} During the time at the XXXX at XXXXXXXX XXXX I recently moved in with my mom, I was still in High School with no job. I was told I was signing a list of people in the home come to find out I was tricked into co-signing a lease. I didn't pay not one bill but my name is on the lease I've been trying to get this disputed for over 2 years now. It says its a joint account and been trying to move it to my moms since it was hers. I have called to get the documents showing a signed anything but the XXXX XXXX XXXX  gave me the run around.
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (FL)

XXXX continues to charge my account for things that I had nothing to do with it's been happening for a couple years now I've been reverse reimburse for some things and then something that haven't been and it all needs to be fixed and whatever money needs to come back to me and needs to go back into my XXXX pay account or into my time account and I need to stop I don't know XXXX all that just look into it that's your job and get my money back to me thank you bye
Consumer complaint received 2023-02-20
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. (PA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLUB XXXX XXXX  XXXX
Consumer complaint received 2022-12-16
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. (MI)

I filed a complaint to block information identified as identity theft and there is information that is still not blocked. I filed the complaint with XXXX, and Transunion on XX/XX/2022, and with XXXX XX/XX/2022. The complaint numbers are : XXXX, XXXX, XXXX. The companies have removed some information but there is still information as a result of identity theft on my report. DO NOT FILE A DISPUTE ON MY BEHALF. As this is not a request to dispute, this is a request to block information on my consumer report. 

I have called countless times to resolve this matter and only small success. The companies do not have my consent to report anything on my consumer report. I will attach the original FTC report and documentation.