davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have two mortgages with Bank of America. I am on an extension & need to complete my XXXX income tax return. I need the amounts paid for insurance on each property for the year XXXX. The amounts are paid through the mortgages. 
I have called Bank Of America numerous times starting on XX/XX/XXXX. I have waited 90 minutes, 45 minutes & it is the same each time. Their is an automated system that sometimes comes on-not always-but in spite of trying to use that-it does not recognize what I am asking for. On the rare occasion I actually talked to a person at customer service they have informed me that they can not provide me the requested information, nor can they mail to me, or email to me.I have requested if they can not -are unwilling actually-to give me these amounts that they simply send me copies of escrow postings & payments for XXXX, which will show the amounts paid for insurance. They have not & will not do this either! 
I have also requested the information I so desperately need by writing to them at to different addresses they have on their paperwork for general inquiries & also another for property insurance inquiries. No reply received. 
The one time I spoke to someone at the number provided for property insurance inquiries she told me she could not even give me the amounts even just verbally, saying there was no way they could access them. She sent me to the general customer service number where I was told they did not have access to this information & transferred me back to the property insurance inquiries where they told me only general customer service inquiries could help me.

These are my mortgages-two of them-I went thru their identity  process each time. I provided my mortgage account numbers, address of the properties & everything else they asked for. 
Do I not have a right to this information when am the one paying these mortgages? The local branches all remain closed here. There is no way to be able to contact them. They do not answer the phone, and the doors are locked.

The only thing I can do is provide a letter to the IRS with my tax return stating Bank of America refuses to provide me with this needed information.

The way Bank of America treats a customer is a disgrace. They could not care less.This goes way beyond bad service. I want to know where else I can report their obstruction because it is so wrong.
Consumer complaint received 2022-11-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

contacted credit reporting agency to inform them about incorrect information that is reporting on my file. reporting agency did not do the required due diligence to remove incorrect information on time. and they refuse to actually investigate and remove incorrect information
Consumer complaint received 2020-09-04
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: CARD Corporation (ID)

I received a credit card in the mail that I did not open nor authorize from CARD.COM. The phone number, email address and the mailing address on the envelope the card came in I question if any is legit. My identity has been stolen and I have made a police report, contacted the FBI, put have a credit freeze with the 3 credit agencies, freeze with checking acct institution, filed a complaint with the FTC, fraud complaint with XXXX ( Loans ), and many more steps. We have attempted to call card.com ( XXXX ) but are on hold and never get anyone to answer and we have emailed their support email address and no answer. We attempted to contact XXXX XXXX, which is listed on this VISA Debit card and they are no help at all. We contacted VISA ( XXXX ) and they attempted to call card.com and created a cancel card request to card.com ( reference # XXXX ). This is a nightmare and I feel I have no control over my over social security, credit, etc. Please, I am asking for help!
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CT)

I lived in my home for almost 11 yrs. My husband got sick and passed away from XXXX. My home was financed with XXXX   XXXX, when they went bankrupt and my loan was sold to Ocwen loan servicing. I had no choice my loan was just transferred. I had multiples debts with my spouse being XXXX  over XXXX XXXX years and tried to work with Ocwen to stay in my home. They would not work with me at all.They were absolutely terrible to work with. I was basically forced out of my home with my children after they had just lost their father they now needed to move from the home they knew. They  wanted XXXX dollars from me with all of the services fees and phony charges they added. I lived there 11 years and they wanted more then the purchase price of the home which was XXXX. Then then sold the property at auction for XXXX and since has been sold again. I have not resided in this home, nor this town for over 5 years. Now I am attempting to start fresh and purchase a new small house and Ocwen puts recently on my credit report that I am delinquent on a loan for a partial payment plan. There is nothing owed on this loan. I have never had any partial repayment plan of any kind with Ocwen that is a breach of FACRA. It is falsely reporting. This original loan ended in foreclosure, and I have all papers showing that I owe nothing on the loan.
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted a dispute letter dated XX/XX/2022. It is now XX/XX/2022 and there has been no response. According to the FCRA, if there is no response from a creditor within 30 days of dispute, items must be removed
Consumer complaint received 2022-04-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

I was furloughed because of Covid and was put in forbearance for 18 months. When I resumed work this past XXXX, I contacted Flagstar Bank about resuming my payments. My ability to make payments online had disappeared, and they would not accept payment over the phone. I was told that I would be given options in a few weeks to get back on track. Since that time, I have called Flagstar regularly, and have been told over and over again that I would receive my options soon. I have repeatedly submitted documents regarding my furlough and income. Last month, I was finally able to pay the mortgage over the phone. I was told I will receive loan modification documents to get me back on track. I received the documents. Flagstar wants me to go from a 4.1250 %, 291 month mortgage to their new offer of 4.6250 % 480 month mortgage, and a partial claim of {$32000.00}. I missed 18 months of payments, and this bank wants to add 189 more payments??? And my payment would only go down {$32.00} per month!! 

My credit is great, my income is great, and I have about {$300000.00} of equity in my home. I do not want to refinance into their horrible terms. I want to defer the 18 months of payments ( that I didnt pay during furlough ) to the end of my mortgage. Flagstar wants me to add 189 months to my mortgage at a higher interest rate. Please tell me what my next steps should be.
Consumer complaint received 2022-11-16
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. (AZ)

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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX card # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 2021-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CO)

Collection agency name Convergent outsourcing Inc. supposedly a credit card was opened at the first premier bank card which I have also contacted and fax them. This account was never opened in the first place theyre saying that it was open XX/XX/2018 this is the first bill weve ever received. The amount was {$450.00} and now Old {$750.00}.
Consumer complaint received 2020-09-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (TX)

Paid off Boat loan account number XXXX for boat motor and trailer back in XX/XX/XXXX. After a few weeks they sent me copies of the payoff letter release of lien and 2 of the three titles. I received titles for the Boat and Trailer but did not receive the title for the motor. The registration for the motor with Texas XXXX is XXXX and still show a lien from US Bank NA, XXXX XXXX XXXX, XXXX, WT XXXX. Contacted US Bank on the XXXX of XXXX to discuss where my title is spoke with a bank agent to review all the available document and he was not able to explain where my title was. The agent would request a duplicate title and it would take 3 days to process. I called again on the XXXX of XXXX to get a status report on the title and when I could expect. The agent asked me to call back on Saturday to follow up. I call again on Monday the XXXX of XXXX and was told by another agent that it was processed and it should be sent to Texas XXXX to release the title and get a reprint. The title was electronic. I contacted the selling dealer just to check to see if the title was sent to them in error it was not. After speaking with XXXX the bank agent he assured me the team was working on getting me the title. I call again XX/XX/XXXX to discuss the process and there is no movement in getting me the title. I asked to speak with someone in supervision and was deferred to writing a letter. I have the vessel sold and unable to complete the transaction without the motor title. This would not be an issue if the boat was not sold.
Consumer complaint received 2021-05-04
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. (VA)

XXXX XXXX XXXX has closed my line of credit as a retaliation under the XXXX. 

Pursuant to the Fair credit Billing Act XXXX hasnt taking care of the bill error regarding the billing errors requested in XX/XX/2020 concerning a timely requested under the FCBA. 

The payment was withheld regarding the disputed amount pursuant to the Fair credit Billing Act. 

In Or Around XX/XX/XXXX, XXXX issues a letter saying that the requested made in XXXX was untimely but credited the disputed amount. 

On XX/XX/XXXX, without my consent regarding permissible purposes under section 609 of FCRA, the XXXX XXXX and Experian released credit information without my consent. 

Do to my XXXX XXXX XXXX has closed my account regarding my credit report without consent regarding permissible purposes under the FCRA.
Consumer complaint received 2021-05-04
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I have called XXXX, Equifax and XXXX  credit bureau and ask them to remove these addresses that is incorrect. But they said they could not remove them. So this is why I am contacting u all. Please have the three addresses deleted off of my credit report.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AP)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The Bankruptcy listed below is needed to delete from my Credit Reporting. 
Bankruptcy : XXXX-XXXX-Asset Amount : $ XXXX-Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2021, someone impersonated me and opened a savings account and a checking account at Huntington Bank in XXXX, Ohio. 

This person used my name, old address, cell phone number and SSN that was XXXX digit off from my XXXX. 

I went to the bank and the accounts were closed. I also reported the incident to my local police department. The person also used a fabricated XXXX XXXX number.
Consumer complaint received 2021-11-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (PA)

On XX/XX/2021 I called Santander consumer USA and I had voluntarily surrender my car to them due to having many issues with the vehicle for many a few years! So I called them and told them to come pick the car up!! It is now XX/XX/XXXX and they still havent pick the car up! They keep telling me they process of picking a vehicle up takes a long time! The current balance on the account is XXXX
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX I purchase a XXXX XXXX XXXX Contract Number XXXX in the amount of {$470.00} in 3 equal payments to cover my Dishwasher and Electric Dryer. Payment # 1 was received by Sears on XX/XX/XXXX, Payment # 2 was received by Sears on XX/XX/XXXX and Payment # 3 was received by Sears on XX/XX/XXXX each from the account ending in XXXX. 

This agreement was to cover my appliances until XX/XX/XXXX. 

On Tuesday XX/XX/XXXX, I called Sears Home Services at XXXX to get service on my Non-Working Dishwasher. 
I was told at the time that I cancelled the XXXX XXXX XXXX on XX/XX/XXXX and money in the amount of {$470.00} was refunded to my account ending in XXXX. 

I told them that I never cancelled this and then I was transferred to another department who also stated that I cancelled and the money in the amount of {$470.00} was refunded to my account ending in XXXX. 

I then called Ms. XXXX XXXX a member of the Executive Member Support at XXXX to ask for her help. 
On Tuesday XX/XX/XXXX I received a non-statement form from Ms. XXXX showing payment was refunded with no other proof. 

I then requested statements covering the period from XX/XX/XXXX until XX/XX/XXXX for the account ending in XXXX. 

It took 3 weeks for those statements to arrive and they showed the refund was never made.

After many hours on hold with Sears trying to get answers,  sending letters to Mr. XXXX XXXX XXXX and Mr. XXXX XXXX, plus leaving many messages for Ms. XXXX, no one ever call or responded. 

It has been 8 weeks now and my Dishwasher still does not work and at this point all I want is the {$470.00} Sears claimed they refunded which I never received. All I want my money back for service that I paid for and never got.
Consumer complaint received 2022-11-16
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. (AZ)

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 XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX I received my Barclay 's Arrival + credit card. I activated it on the same day. I was never notified about the acceptance of the card and so I never knew when was the card accepted. The terms and conditions on the account say that 90 days from account start I need to make payments of {$5000.00} to receive 70000 bonus miles. However, I come to know now that my account started to XX/XX/XXXX ( and I received my card on XX/XX/XXXX ) and so the 90 days complete one XX/XX/XXXX. The start date of the account is shown nowhere, nor in the application, nor on the website in my account. The company guys are verbally telling me that my account opened onXX/XX/XXXX but have no proof of that. when I call they simply are not ready to listen.
Consumer complaint received 2018-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

Public Service Loan Forgiveness. I have been dealing with these people for a year. First I submitted all required forms in XX/XX/XXXX/XX/XX/XXXX. I should have been forgiven as of XX/XX/XXXX. They had me submit employment cert form at least 3 times which I did. They told me not to make further payments in XX/XX/XXXX because my app was on " appeal ''. I missed XX/XX/XXXX at their instruction. Later I was told that that information was erroneous.I timely paid XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was told to make 1 payment for XX/XX/XXXX and re-cert my employment. I re-certified my employment and called to make a payment. I was assured that it would be credited to XX/XX/XXXX. It was not. I have been told many contradictory things. I was told that the prior servicer informed them that I was in forebearance from XX/XX/XXXX-XX/XX/XXXX. That is not true. I uploaded bank statements and activity which show my student loan was being directly paid from my bank account during that time. I have requested a copy of my files ( FOIA ) and received nothing. I have received no word except that my loan, which was supposed to be forgiven in XX/XX/XXXX has now been reported delinquent to credit companies.I am still receiving bills for money that I do not, by law, owe. Because of this, my credit score went from XXXX to XXXX. I have been refused home improvement loans for a new roof. I did get one loan for a roof for which I have to pay exorbitant interest. I have complained via phone and email have have heard absolutely nothing. The government has completely ruined me and has not been following the law. I have been paying student loans on IBR at least since XX/XX/XXXX.