davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The Bank of America credit card dispute service is failing to uphold consumer protection rights and adequately safeguard me against businesses that engage in misrepresented information and false advertising. Throughout my dispute process since XX/XX/XXXX, Bank of America has displayed a lack of clarity in its procedures and has provided minimal or no support. Each time I've attempted to follow up with the disputes department, I've received conflicting messages and regulations. Even after escalating the issue to a supervisor, my concerns remain unresolved. 
Despite filing a complaint with XXXX XXXX on XX/XX/XXXX, President of Retail Banking, the poor customer experience persists. This ongoing lack of support and resolution from Bank of America is unacceptable and undermines my confidence in the institution 's commitment to customer service and consumer protection. 
My issue is still unresolved as of XX/XX/XXXX, and I feel that Ive lost my hard-earned money to a business that engages in illegal business practices and my consumer protection rights were being stripped away from me by Bank of America . I would like to demand an actual proper support in this case from Bank of America.
Consumer complaint received 2023-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

This is an ARM mortgage that was bought out by SPS, and the rates are very high. 

Paying {$270000.00} just interest per month on a XXXX k balance. 

They keep raising the rates and according to them it is legal to do so. While others are getting 6 % or less loans we have been paying 9,99 % and going up to 10.99 % in XXXX. 

They can raise the rates to 14.99 % if they want. At that point we will be forced out of our house, that we have lived in for 22 years. 
When we got this loan the " broker '' lied and said ; this was " all he could do for us ''. The original rate was under 7 %. 

I am XXXX XXXX XXXX, my wife is XXXX, We just want be able to live here. I tried to get a refinance, or a reverse mortgage, but we can't because of some EXTREMLY old debts from when our business failed. I did not file bankruptcy then, but should have. I think by law these old debts, are due to retire soon, These debts are nearly XXXX XXXX XXXX. Isn't there some sort of statute of limitations on very old debts? 
We have not missed a payment in 13 years. And our credit is good. 
I believe we are victims of a predatory loan.
Consumer complaint received 2023-08-14
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

I received a fraud alert from XXXX that a credit inquiry and new account were opened with Toyota Financial Services and XXXX TOYOTA . When I called to alert the dealership that this was fraud and I had not tried to purchase a vehicle, they found that another person with the same name as me purchased a car with them today. That person used all of their own information, but my Social Security Number. The dealer found that when they typed my name into their XXXX, my social security number auto populated in their credit application system. This is a dealership network that I had previously purchased a vehicle with, but in a different store.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 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 2024-02-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

This is a mess. I had a non-profit agency pay for my mortgage for the month of XXXX. When I had set up my payment to pay the month of XXXX on XX/XX/2024, at the time that I had submitted the transaction I did not notice that I submitted it to take it from my savings rather than my checking account, which in turn resulted as insufficient funds. I then corrected the payment to be drawn from the correct account on XX/XX/24, and the funds in the amount of {$2900.00} were successfully withdrawn and cleared from my account on XX/XX/24. Two weeks later I got a call from my mortgage lender saying they did not receive the payment. After speaking with multiple people, I was advised to send a copy of my bank statement to the mortgage lenders email. I did. A week later I had not heard from them so I called in again, only to find out that the document I sent it will not suffice and I needed to send in a different one. I then went and downloaded my entire XXXX bank statement, highlighted the transaction, and re-sent the email. I received an email once again stating that my bank statement will not show enough proof of the transaction. I called my bank asking for any other documentation that shows that the transaction cleared, but was told that that is all that they could provide. The bank also offered to speak to the mortgage company via three way call to verify the transaction, but the mortgage lender declined. I desperately need help with this situation. I am a widow, single mom of XXXX, and take care of my XXXX brother, I can not afford to have to make an extra payment.
Consumer complaint received 2023-08-14
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. (CO)

I am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX # XXXX has violated my privacy rights under 15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account with my written instructions. This means that I have the right to decide who has access to my credit information and how it is used.

Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This means that any report that contains information about me must be accurate and based on actual transactions or experiences.

Finally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so.

I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mercedes Benz Financial Services (MO)

This Mercedes-Benz Auto Finance will not stay off my report. It has been deleted twice & it still report erroneous information on my report. Please mailing me or having any correspondence. It's becoming a harassment. 

This account was opened XX/XX/23 but, its accurately reporting 120 days past due. We're currently in month of XXXX. From XXXX to XXXX is over 200 days. This account has been removed for inaccuracy & blocked for fraud numerous times.
Consumer complaint received 2023-08-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MN)

Our CD interest check was mailed by XXXX  in XXXX of XXXX and we never received it. We filed a fraud report with XXXX  and found our check was cashed at Wells Fargo. We learned through XXXX  that the check was never endorsed. We can not get our interest check of {$520.00} until Wells Fargo pays XXXX. Nothing is happening since we filed the fraud report in XXXX XXXX. I reported this to MN Attorney General of this problem. They sent Wells Fargo a letter regarding this fraud. Wells Fargo send us a letter and said they looked into this complaint and due to the privacy act they can't give us any information and are closing this complaint. This is a federal matter. Someone opened our mail and cashed our check. Neither XXXX  or Wells Fargo will give us our interest money that we have already claimed our XXXX taxes.
Consumer complaint received 2023-08-14
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. (NY)

account number XXXX I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering my life financially. at this point I feel as if I am being bullied! 

According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (GA)

I entered a credit consumer transaction on XX/XX/XXXX with XXXX XXXX XXXX XXXX ACCT ENDING IN : XXXX and XXXX XXXX XXXX XXXX ACC ENDING IN :XXXX. My accounts has been closed since XXXX of XXXX due to me losing my job. I received a letter from TRANSWORLD SYSTEM INC. on XX/XX/XXXX stating that I have to pay a total of {$2400.00} for both accounts. {$1800.00} for the XXXX XXXX XXXX XXXX and {$550.00} for the XXXX XXXX XXXX XXXX. I called XXXX XXXX XX/XX/XXXX to understand why I am unable to make a payment and I was told by XXXX XXXX that my closed accounts has been ( Transferred, Outsourced and SOLD ) to TRANSWORLD SYSTEMS INC with out my authorization. 
( 15 USC 1681c-1 ) ( 15 USC 1681p ) ( 15 USC 1681q-3 ) defines fraud & Identity Theft. Transworld Inc has been contacting me on behalf of XXXX XXXX when originally I did not sign an contract with this company. I've asked XXXX XXXX to remove this from my credit report due to my accounts being closed and sold to TRANSWORLD SYSTEMS INC a 3rd party credit company due to it effecting my way of life and I was told that XXXX XXXX is not authorized to do so.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-08-14
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Acct Name : XXXX XXXX XXXX  XXXX Acct # : XXXX, Acct Name : XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXXXXXX XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are indirect of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-08-14
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. (NY)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-14
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: Atlanticus Services Corporation (CT)

There was an error in my bank and it did not process a payment correctly to Fortiva. Fortiva then added a late payment to my credit report without my written permission.

In accordance with the fact Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604A section 2 it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open for any purpose and Consumer Credit plan as late for any purpose.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (IN)

XX/XX/2023 : I switched phone service providers AFTER paying off the remaining amount of both of my phone payments. I was told by my current provider that I do not have to notify my old provider of the switch unless I had ongoing payments which I did not. 

XX/XX/2023 : I recieved a letter from a debt collection agency known as Diversified Adjustment Service, Inc.That I owed {$350.00} as of XXXX via mail. I was never contacted before this date for anything regarding an account with my previous phone service provider because my account closed when I switch providers XXXX. 

XX/XX/2023 : I sent a debt validation letter to Diversified Adjustment Service , Inc . Using the same address the debt letter was sent from and my letter was sent back. I attempted again with their corporate address with the same result. I do not plan to call them for their website states that calling them on the phone will be seen as an attempt to collect a debt and all information given will be used to do so. I was notified of the right to dispute the debt through them and I feel like that right is being ignored.
Consumer complaint received 2024-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Healthcare Collections, LLC (MO)

In approximately XXXX or XXXX of XXXX I was referred to XXXXXXXX XXXX  and XXXX who informed me that they accepted my health insurance, were in network and that THEY called my health insurance and RECIEVED PRE AUTHORIZATION from my health insurance for medical treatment and that my co-pay was {$150.00}. 

Under these false pretenses, I paid XXXX XXXXXXXX XXXX XXXXXXXX the {$150.00} co-pay and proceeded with treatment on XX/XX/2022. 

I was later surprised with a large bill in the amount of {$860.00}. 

I contacted XXXXXXXX XXXX XXXX XXXX XXXXmmediately who then informed me they were " OUT OF NETWORK '' refused to correct their mistake or adjust the bill in anyway. 

I am protected from this surprise bill under the No Suprises Act effective as of XX/XX/2022. 

XXXX XXXXXXXX XXXX  XXXX has sent me to Collections and is destroying my credit. I informed the collection agency, XXXX XXXX XXXX who was formerly notified that the bills they've reported is protected under the " No Suprises Act '' XXXX XXXX XXXX refused to take the bill off my credit report and further validated the debt with the credit bureas so that I can not dispute it myself with the bureas like XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (AR)

My sister sent me money through XXXX and her husband disputed the charge in error. It was corrected and XXXX is still trying to charge me and my sister back. XXXX sent me to collections for {$340.00} that I do not owe. 

XXXX XXXX XXXX  Collection agent is American Coradius International LLC sent me a collection letter. When I call them all they want is the money and will not listen to reasons I dont own this debt. 

My sister nor myself have been credited this amount therefore how could either of us owe anything. 

I've worked hard to not have collections on my credit to have XXXX put me into collections for no reason. XXXX said they see the issue yet they cant get me to anyone to fix it. I have provided all document to proof this is not my debt and they just sent me to collections anyway.
Consumer complaint received 2023-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc. (CA)

As shown in the attached, I disputed this debt in XXXX XXXX ( within one month of " Dated Opened '' ), because I had a payment arrangement with the original creditor and the original creditor agreed to withdraw it from the debt collector. The debt collector hasn't sent a verification letter to me or called me regarding this debt since then. But they reported this debt to credit bureaus on XX/XX/XXXX, which violated federal law : they should stop any collection behavior until sending me the verification letter.
Consumer complaint received 2024-10-22
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. (OH)

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , XXXX credit reporting agency XXXX credit reporting agency and XXXX reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX in XXXX of XXXX for {$14000.00}, a personal loan account opened at XXXX XXXXXXXX XXXX in on XXXX of XXXX for {$2500.00}, a credit account at XXXX with a balance of {$87.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 
Inquiries found on Transunion, 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 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 

I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.