davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NY)

Dear CFPB : Please help. 
The following has occurred with Wells Fargo bank Checking account ( 1 ) The bank has unilaterally and arbitrarily assigned limitations of fund transfers including wire transfer within the United States of America and to other Wells Fargo accounts ( 2 ) The bank refuses to resolve and or lift restrictions ( 3 ) The bank imposes unreasonable requests : a. Going to ATM b. Locking out online c. Demanding to go to branches d. Foreign non-native English speakers in non-US-jurisdiction countries to handle account data and management ( incremental risk created by the bank ) e. The bank outsources data operations to unverified third parties like XXXX ( unregulated data, lacks privacy, bad data, and mostly bias ) We have been trying to send funds to a University for a XXXX degree. The bank has delayed, prevented, disrupted, and or/demanded unreasonable requests. Moreover, failed to disclose why and any legal grounds does the bank to withhold and/or prevent transfers to another bank of over {$5000.00}. 
There no law in the US that demands a BANK impose its own jurisdiction over deposited cash funds for self-interest. The account holder has not verbally or in writing agreed to impose this financial restriction on the account. 
Wells Fargo has a rogue history of discrimination against minorities and imposing artificial barriers to transfer funds including assigning risk onto accounts based on XXXX demographics. This violates the American and international law, norms, and values, notwithstanding unethical and illegal banking practices. 
The cost of travels to a branch and time, with the risk of penalties for failing to make timely tuition payments, is unacceptable, thus the cost must be passed on to the bank. 
In regards to human toll and the experience : my mother is in a wheelchair, she needs me to be at home and with her. I can not make extra travels to the bank just so they can prevent me from transferring my own money. My opinion is that American banks operate much a criminal cartel syndicate than reasonable economic stakeholders and partners to the American people. I am also being extorted amounts of {$30.00} for wire transfer, notwithstanding emotional stress as the cost for gas and time of travel. My mistake? depositing my funds with Wells Fargo. This mimics XXXX era financing and banking practices. Anyone with a Ph.D. degree on XXXX finance and banking laws and its restrictions on undesirables will be able to draw inferences and similarities to the banking cartel operating inside the US. 

Thank you
Consumer complaint received 2023-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

I am writing to file a complaint against Grant & Weber Inc. for wrongfully placing a {$3000.00} debt on my credit report. 

My name is XXXX XXXX and I am a resident of California. On XX/XX/2019, I found out that Grant & Weber XXXXnc. had reported a debt to my credit report that had nothing to do with me. I have never done business with this company, and the debt is not mine. 
I have contacted Grant & Weber Inc. multiple times to dispute the debt and request that it be removed from my credit report, but they have ignored my requests. I have also contacted the three major credit bureaus and requested that they investigate the debt, but they have been unable to do so. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Grant & Weber Inc. removes the debt from my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have been receiving repeated calls from Portfolio Recovery Services. I have, on several occasions, verified myself and ask that all correspondence be sent to me in writing. I have explained to them that I suffer with XXXX XXXX and that the numerous calls are making me have XXXX XXXX. However, I am receiving multiple calls from them still. I have not received anything by mail as requested. They contact me all hours throughout the day, even when I explain I am at work and try to use scare tactics to keep me on the line.
Consumer complaint received 2022-03-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (AL)

I have called Global Lending Services for over 6 MONTHS requesting assistance due to a financial hardship from XXXX, a XXXX in my immediate family, & a decrease in income/work hours ( which now has become a permanent job loss & I have applied for unemployment ). EVERY time I was DENIED any type of help! Although I knew it was confidential/private, due to HIPPA I offered to provide documentation of all times I was XXXX XXXX XXXX XXXX XXXX results, and also the XXXXXXXX XXXX XXXX XXXX of my family member. I was still denied any assistance or help and they call me 3-4 times a week HARASSING me about paying! 
I borrowed money and made a payment in XX/XX/2022 ( to try to refrain from being 90 days late ). On yesterday, I woke up and they had repoed my car!! Because the month of XXXX had not ended, I thought I had until XX/XX/2022 to make a payment & was hoping to receive my income tax refund or unemployment on of before this date. 
I had to borrow money AGAIN from friends & family ( almost {$2000.00} + XXXX XXXX XXXX XXXX )
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

Toyota XXXX Toyota financial services has reported incorrectly a 30 day late pay for XX/XX/XXXX. I advised the company that my credit report shows a 30 day late for both XXXX and XXXX and I was initially advised that the XXXX late payment was incorrect as the payment posted on XX/XX/XXXX and that It would be researched. Research was completed and I was advised the credit reporting is correct and it reports 30 days behind meaning that my XXXX and XXXX payment were past due. I was always under the impression that credit reporting reflects current date and not 30 days behind. my XXXX payment was deducted from my account on XX/XX/XXXX, XXXX payment on XX/XX/XXXX.. XXXX payment was indeed past due with XXXX payment postin XX/XX/XXXX ... my payments are due on the XXXX of each month. I was then advised my the rep that it was difficult to see when the payments actually posted because of the late payments. this is the second time I have had an issue with the Toyota reflecting on my credit report incorrectly and that time they also initially indicated there was no error. please help.
Consumer complaint received 2018-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Portfolio Recovery Associates which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in  violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2022-03-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: DISCOVER BANK (PA)

XXXX XXXX XXXX XXXXXXXX is the holder of my first mortgage on my property. i went into forbearance due to layoff from covid shutdown. as i am coming out of forbearance they did present me with some options, one was a loan modification but they did not provide the documentation requested by my second mortgage holder for a subordination ( Discover home loans ). Discover home loans denied the request for subordination due to delinquency, but i was delinquent due to forbearance under the cares act and the second reason was that XXXX  XXXX did not provide the proper documentation. when the subordination was denied sun XXXX immediately moved into the foreclosure process asking for {$33000.00} due by XX/XX/2022. this is a federally backed loan by fannie mae and it is my understanding that federal backed loans will not be asked for payment in full i have made payments in full to both companies since my forbearance ended and am ready willing and able to continue making payments on my home but the current situation is i will be forced to have my home foreclosed on or sell if i do not take out another loan to cover the mortgage balance. something seems off here and i can not understand why both companies would rather see a foreclosure rather then just work something out and have me continue to make my payments. i think i need some help.
Consumer complaint received 2018-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (MN)

The servicer of my Perkins Loan changed to XXXX XXXX on XX/XX/XXXX. The loan was in deferment because I am a full-time XXXX student, and after it was transferred, I repeatedly had issues with XXXX XXXX recognizing my full time student status. I sent them my enrollment status in XX/XX/XXXX and was told the loan was in deferment. However, in XX/XX/XXXX, I discovered that the loan was not in deferment and I was going to start being charged monthly payments. Not only did XXXX XXXX not contact me about changes to my account or subsequent monthly charges, but failed to provide any documentation explaining the status of my account with or a breakdown of charges and fees. I contacted XXXX XXXX via phone and email during XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, my deferment status was finally accepted and retroactively started on XX/XX/XXXX. The charges posted to my account were removed expect for interest and late fees that accumulated during my dispute about the status of my loan during XX/XX/XXXX and XX/XX/XXXX.  Via email and telephone, XXXX XXXX representatives said that charges posted to my account would be removed including principal charges, interest, and fees. As of XX/XX/XXXX, my account still shows fees and interest accrued since my loan has been in deferment. I have called and emailed XXXX XXXX over 5 times between XX/XX/XXXX and XX/XX/XXXX, and been told the problem would be fixed, but the charges have not been removed.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (TX)

I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX reported negative marks Maximum Delinquency of 30 days in XX/XX/2018 on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

In short, I never received such a warning notice!

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

I attached a copy of the law and the actual document from the federal reserve
Consumer complaint received 2018-11-05
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)

XXXX refuses to process any of my disputes, by phone, they have it blocked online, and via mail. I have fraudulent accounts on there that do not belong to me due to identity theft. This is a federal violation of the FCRA.
Consumer complaint received 2018-11-05
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)

XXXX  refuses to process any of my disputes, by phone, they have it blocked online, and via mail. I have fraudulent accounts on there that do not belong to me due to identity theft. This is a federal violation of the FCRA.
Consumer complaint received 2022-03-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have 3 items on my credit 1 from a company called XXXX. Who claims I had a cell phone that I never purchased and never knew about. After supplying proof over the past 7 years and nothing has been removed from my credit. 
Also after opting out of XXXX reporting, XXXX lowered my credit score using old inaccurate information to punish me for opting out to lower my credit score by XXXX points. 
Also my score has been going up despite those items on my credit report prior to me opting out of the reporting practice of XXXX. 
I feel its an abuse of power and retaliation for my opting out of all prescreening and other marketing information being sent to me every day. Before I opted out of XXXX, my score was XXXX. Immediately after opting out, my score was lowered to XXXX. 
My credit score was just over the past 12 months has gone up while and despite those items being on my credit for years. Also my credit had already been adversely affected twice from those same items, so how many times can they drop my score for the same items. If I was penalized once for those item by dropping my score years ago. Why are they dropping my credit score again since I already was penalized for those inaccurate reporting? 
I feel its unfair reporting and retaliation for my opting out of there reporting system.
Consumer complaint received 2022-07-11
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: AMERICAN HONDA FINANCE CORP (NY)

Your company is currently reporting a negative listing to the XXXX major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

My PayPal account can't log in, because I didn't log in to XXXX for a long time after I went abroad, XXXX deleted my email, I used XXXX phone, so I couldn't verify my phone, my money was in PayPal, but for a long time, I couldn't log in to my PayPal account My PayPal email XXXX I need to change my email number XXXX XXXX Could be my new email address XXXX I can't be reached on this phone I can't log in with my old password
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (OH)

I have an unverified account from originally XXXX XXXX XXXX # XXXX. I had previously disputed this account with XXXX XXXX XXXX they NEVER provided ANY form of Verification or Documentation and this account was deleted from my Credit report as a result.Somehow it was sold to AFNI # XXXX, ALTHOUGH IT WAS NEVER VERIFIED!!! I have never done business with AFNI Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that AFNI # XXXX. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt. This debt has been bought and sold at lease 3 to 4 times already and I plan on suing AFNI if they sell this unverified debt to another collections agency!!!!
Consumer complaint received 2022-07-11
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. (PA)

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc. (PA)

I have a mortgage through XXXX XXXX XXXX XXXX XXXX XXXX that is serviced through Midwest Loan Services. My loan was closed out on XXXX of XXXX. I have been in touch with them XXXX or 4 times about my escrow funds and have been told XXXX or XXXX different things about when I will receive my escrow funds. As of XX/XX/1922 business days I still have not received my funds. They have no tracking or check number of when or if they will arrive.
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AR)

On XXXX I sent a certified letter ( tracking # XXXX to Ability Recovery Service which was received on XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Ability Recovery Service has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Ability Recovery Service. Ability Recovery Service is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to lodge a formal complaint against XXXX XXXX regarding their handling of my loan account. Despite my payments being up to date, including any applicable late charges that were assessed and subsequently paid in full, XXXX XXXX  has inaccurately changed the payment status of my loan over XXXX times between XXXX and XXXX of 2022. This has resulted in significant and unwarranted damage to my credit report and score, which is extremely distressing and unfair.

The bank has repeatedly altered the payment status of my account, fluctuating between XXXX, XXXX, and XXXX  days late, then back to XXXX  days late, without any valid reason. Such practices are not only misleading and harmful to me as a consumer but also reflect a serious lapse in XXXX XXXX XXXX  responsibility and accountability in managing their customers ' loan accounts. 

I demand immediate correction of my loan account status to reflect its actual current standing, which is fully up to date. Furthermore, I request that XXXX XXXX  take immediate steps to rectify the inaccuracies reported to the credit bureaus, ensuring that my credit report is corrected to accurately reflect the true status of my loan payments. 

I believe these actions by XXXX XXXX  could be indicative of predatory lending practices, causing unnecessary financial and emotional distress to their customers. I trust that the Consumer Financial Protection Bureau will take my complaint seriously and investigate these matters promptly. It is critical to hold financial institutions accountable for their actions and ensure they adhere to fair and transparent practices.

I am prepared to provide any additional information or documentation as required to support my case. I am seeking the CFPB 's assistance to rectify this situation and prevent further harm to my financial wellbeing.

Thank you for your attention to this matter.
Consumer complaint received 2022-07-11
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. (AL)

`I went to XXXX XXXX to get a vehicle and I was told that they were only going to run my credit report but after I checked my report I have several hard inquiries attached to my report that I would like to be removed please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX