davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (NJ)

The last two times I have tried to modify with my servicer,   XXXX   XXXX  , I was told that even though I am divorced from my ex-husband/co-borrower that his income must be included in my modification review. I would like to see if the CFPB can to anything to have   XXXX   XXXX   not include my ex-husband in my request.
I plan on providing income information for my fianc since he is a contributing member of the household. My ex-husband is not contributing income to this household and does not live here, therefore we should not have to use his income for a modification. My ex-husband is also not willing to comply with providing documentation or signing documents to allow me to modify on my own. I plan to eventually refinance my ex-husband off of the mortgage but unfortunately our divorce had a negative impact on my credit. Therefore I am currently stuck in an unaffordable mortgage situation with no options to make it better due to   XXXX   XXXX   XXXX   requirement to include the income of a divorced co-borrower/non-household member.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On Tuesday, XXXX XXXX, 2017 Bank of America was used as an intermediary bank for an International Wire Transfer from the US to XXXX. The wire transfer amount is for {$15000.00}, a {$78.00} InternationaXXXX wire transfer fee was paid to the XXXX XXXX XXXX XXXXXXXX XXXX. A huge amount of emails and phone calls between us, the Students from XXXX, the Banks have take place in order for the banks to honor the wire transfer. As of today Wednesday, XXXX XXXX, 2017 the wire transfer has not been completed. The students from the XXXX XXXX XXXX XXXX have spend a great deal of time in order to solve the problem because the wire transfer has never arrive in XXXX. We have inspected all the paperwork with wire transfers instructions and there are no mistakes at all, therefore we do not understand the reasons why Bank of America is holding the funds and are not sending it to the beneficiary. We have been told by the XXXX XXXX XXXX XXXX XXXX that the funds are no longer in the student checking account and the entire amount was forward to the intermediary bank. The funds are use to paid for transportation, lodging, food, etc for the XXXX XXXX veterinary students in XXXX. The entire group of students will depart tomorrow back to the US Thursday, XXXX XXXX, 2017. They provide free veterinary services for the rural poor in the XXXX XXXX located with in XXXX XXXX.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (PA)

1. applied for XXXX XXXXXXXX credit card, no annual fee 0 % interest for 12 months on purchases and balance transfers. approved. got XXXX XXXX card in mail and set it up online. within one billing cycle I was charged 29.99 % interest. Tried to resolve with XXXX and was told my card doesnt have those terms. no assistance or resolutiuon 2. Edward Jones XXXX XXXXr Card, approved XX/XX/year>, managed by elan financial services. Exact same fraud noted in this credit card as listed in point one. I moved my expiring 0 % balances from other credit cards to Edward Jones for a 12 month 0 % interest APR on balance transfers and purchases then was with large fees for balance transfers, interest at 29.99 % on transfers and purchases. Spoke to XXXX on XX/XX/year> rep ID XXXX who was unable to assist me
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MA)

Hello I had a car loan with Wells Fargo and had multi payments applied incorrectly and would constantly have to call them to rectify payments. I contacted them about the settlement and they said I was in eligible, but I have difficulty believing them. I would love for someone to look into this matter.
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I am XXXX veteran and told hospitals that they would be paid by VA I gave them my member ID # XXXX & SS # XXXX as well as address to submit their claims. Now after years I see they are all listed on my credit report.Causing extra Fin cost on every thing.I served and paid the price. Hope you can help me I would be very grateful. XXXX Vet. XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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. (TX)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (NY)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  ) However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-23
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. (FL)

The credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, last active inaccurate, last payment date inaccurate, Past due inaccurate, Balance inaccurate, account status inaccurate, monthly terms inaccurate. This is grounds for removal and they also violated my rights under 15 U.S Code 1681 Section 602 A States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (CO)

In accordance to the fair reporting act test creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not trade a payment on a credit card account under an open consumers credit plan as late for any purpose
Consumer complaint received 2021-06-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent Experian a letter to remove a fraudulent inquiry XX/XX/2021 likely due to the XXXX XXXX data breach and Experian. I sent them the FTC report as well and they refuse the remove the inquiries. They are clearly reporting false information to creditors which is a violation of FCRA and also damaging my credit.
Consumer complaint received 2023-08-23
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. (TN)

I am a victim of identity theft. I have filed a police report and all the appropriate paperwork but nothing gets done. The paperwork I send is not ever processed correctly. 
These are the accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am not getting copies of the verification report per the FCRA. This is another violation
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (CA)

Late fee of {$7.00} should be waived, my balance was XXXX, and XXXX credit card played a game with me, they added the disputed amount of {$240.00} in the balance and then immediately charged me the late fee of {$7.00} they should stop playing these games with the customers. 

They are unnecessarily wasting a lot of time on the phone to verify the account and filing a dispute.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P&B Capital Group, LLC (TX)

An account displaying Adverse Information has surfaced on my recent credit report from P & B CAPITAL GROUP LLC with a debt of {$1200.00} dated XX/XX/2023. However, I have not yet received a debt validation letter from this company.
Consumer complaint received 2023-01-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These people are XXXX of my character lying on my credit report, untrue and damaging to my way of life by presenting as a fact to others. I can not get a house for my family because of the lies on my credit report. I will be XXXX  if this isn't fixed asap Delete these lies on my credit report Delete these lies on my credit report
Consumer complaint received 2018-03-20
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: Experian Information Solutions Inc. (FL)

My Experian credit report was wrongfully added a false late payment by XXXX XXXX XXXX on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX  by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted Experian and disputed this wrongful posting for three times and they asked me to contact XXXX XXXX XXXX directly. I called the XXXX XXXX XXXX and they asked me to contact XXXX XXXX which it took over the account of XXXX XXXX XXXX according to the Bank. XXXX then ask me to file a complaint.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio recovery brought a debt out from capital one that I have not known about. When I contacted them they didnt have this in the system but they had one from a XXXX XXXX XXXX XXXX XXXXXXXX dollars from back in XXXX  I have knowledge of any of these debts and according to FCRA SEC623 enforce FACTA 312 if your unable to perform a reasonable investigation then the company is required by law and FCRA to remove the negative info. This has been on my credit report longer than 120 days and I need this removed immediately
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stein Law, P.C. (CO)

The company incurred a debt with XXXX through a loan that was offered to me in a manner that I find to be excessively aggressive and potentially exploitative. I accepted the loan without being fully informed of its terms and conditions. As a person with a XXXX experiencing fluctuating financial resources, I would not have chosen this option had I been provided with clearer information or pursued a more transparent provider. 

Due to my XXXX, I faced challenges in keeping up with payments, resulting in the closure of the account and its transfer to collections. My frustration is compounded by the fact that XXXX wrote off the account as bad debt, securing 100 % tax relief from the government, and subsequently sold my account to another company which is now attempting to collect the original debt plus substantial interest. This practice of 'double dipping ' into funds raises significant ethical concerns. 

Furthermore, the company to which my debt was sold, Mountain Peak Law Group, has been uncooperative in negotiating a feasible monthly payment amount. Despite my repeated explanations that I can not afford their proposed $ 85 monthly payment, they compelled me to sign an agreement under duress during a court proceeding. This situation has led to default, placing me at risk of homelessness and jeopardizing my recent employment due to potential garnishment or the inability to meet their financial demands. 

For nearly a year, I have been borrowing money to meet the agreed payment, which has placed me under considerable financial strain. As a XXXX individual, I believe that providers like XXXX and Mountain Peak Law Group should not exploit vulnerable individuals like myself. I urgently seek assistance to address this unjust situation and ensure fair treatment for XXXX individuals in financial matters.
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

In 2021 I bought a car from US Auto sales after being coerced into a car I didnt want and lied to that I could exchange it at my local branch, which I was unable to do because it went over the miles allowed. I asked specifically about gap insurance and if the car comes with it and I was verbally assured it did and that its with the paperwork. My boyfriend at the time was a witness to this verbal acknowledgment. A year later I was t-boned and the car was considered a total loss. Although upset because I would have to restart my car buying journey over I figured I was ok with payments because I had the gap insurance. When I called about it they told me I never had gap and I needed to pay the money owed on the car. Its now on my credit as a repossession.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please delete the accounts below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened a savings account with Citizens bank. They accepted my deposit and then abruptly closed the account without returning my deposit. 

Finally, after a year of Citizens refusing to return the deposit, they finally only returned the original deposit. 

Since they held my funds to use at their will and denied me access, Citizens owes me interest on my deposit. 

Also, although Citizens refuses to engage with me as a customer, they continue to mail me promotional offers. I have repeatedly stated in writing I want to be removed from their mailing list.
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

Received a notification via XXXX about this collection. I have submitted a dispute with XXXX to have the collection removed from my credit report. This is the second energy utility company collection I received and I have never done business with them. 

Company : Convergent Outsourcing for XXXX XXXX Balance : {$230.00} Opened : XXXX XXXX
Consumer complaint received 2023-07-13
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. (CO)

In Accordance with the Fair Credit Reporting act. The list of of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX  # XXXX 15 U.S.C. 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. 1681 C ( 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 2023-01-03
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (CO)

The bank in question reporting my payments as being late from XX/XX/2016-XX/XX/2016. I was set up on automatic payments for that time frame in question and every payment came out of my checking account at the same time every month and was never late but yet they have reported me late every month until i finally had to pay them and close my account with them for the damaging effect they were having on my ability to get a home loan with the best possible rates.