davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

I was denied the right to make my payment via drive through. I have diagnosed XXXX XXXX XXXX and XXXX wich severely limits my ability to interact with people. I use the drive through as a way to elevate the XXXX XXXX. This morning at the walls fargo branch : XXXX XXXX XXXX XXXX XXXX, XXXX. 
I was told of a fraud alert wich I was NEVER notified of via phone or letter wich has my account closed and I would have to come in to the branch and physically make a payment. I tried to explain my XXXX to them and was still denied my right make a payment via drive thru. I'm an absolute wreck now. I'll have to double up on my meds and see therapist now. I am being discriminated against as a XXXX person, not only that, now I fear my account and identity has been stolen and wells fargo has not communicated with me properly. I also fear this is a retaliatory response for the many complaints I have against them with CFPB. This bank is out absolutely a predatory institution that does not have to obey the laws and takes advantage of people with XXXX.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (SC)

XXXXGLBA FTC SAFEGUARD NON-COMPLIANCE* I am filing a complaint against this company for violating the Gramm-Leach-Bliley Act ( GLBA ). The company has failed to meet critical compliance requirements, including : Providing the necessary privacy notices that explain their information-sharing practices.

Offering an opt-out mechanism to prevent the sharing of my personal information with nonaffiliated third parties.

Ensuring adequate protections for my personal and financial data, as outlined in the GLBA 's Safeguards Rule.

Implementing effective identity verification procedures, which raises concerns about potential pretexting. 
I request immediate steps be taken to halt any unauthorized sharing of my personal data. I also require a full account of how my information has been used and evidence of the companys compliance with the GLBA.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm requesting a Reinvestigation of every Inquiry listed below because I did not authorize that my credit be run like this. This makes no sense to me at all! I want to know why these companies ran my credit report this many times, the way they did. This is definitely a violation of my rights In Accordance With the Fair Credit Reporting Act. These items could not have been reviewed or investigated correctly, look at how many times my credit was repeatedly run back to back! Incorrect Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is inaccurate reporting, which is a violation of my federally protected rights. I am really upset about this obvious oversite, and it seems as though someone is deliberately trying to ruin my credit. 15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States that the consumer reporting agency can not furnish an account without my written instructions. I never provided any kind of written instruction for my credit report to be run like this. Someone should have noticed these mistakes other than myself! I am really upset about this type of inaccurate and negligent reporting. 15 USC 1681c-2 ( A ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of these items of information. My authorizing any company to run my credit report like this is False. 15 USC 1681s2 ( 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. This is this is apathy to me. It's also plain to see that no consumer would give consent to run their credit back to back like this, knowingly ruining their credit, especially me. Someone should be held responsible for this and deletions done immediately.
Consumer complaint received 2022-11-24
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. (NY)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (MO)

On XX/XX/XXXX, while on vacation at XXXX XXXX XXXX, FL my wife attempted to make a reservation over online for a boat rental company called XXXX XXXX XXXX. She received a phone call from a guy claiming their website was experiencing technical difficulties and she could make the reservation over the phone. She made the reservation for what should have been a total of {$390.00}. Afterwards, we kept getting several charges from XXXX, which ended up totaling {$1000.00}. She called him back and he said that those charges would be refunded once we arrive. The next morning we arrived at the boat rental place, showed them the confirmation email we received and they told us that it wasn't from them and we had unfortunately been a victim of a scammer mirroring them. We immediately contacted SoFi to report this as a fraudulent charge and they told us that they would investigate. 24 hours later, they responded and told us this was a legitimate charge and the investigation was closed. We immediately requested that they reopen the investigation because this was absolutely a scammer. We sent them several documents, including the receipt for the legitimate company, which does not even come close to matching the company name from the fraudulent charges. It is now 2 months later and we still have no resolve to this situation. We ended up reserving the boat because our kids were upset as they were planning on spending the day on a boat at sea, the legitimate company ran the charge as shown on one of the attachments for {$490.00}.
Consumer complaint received 2022-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

Hi, I bought my home from XXXX XXXX. Later, they transferred the loan to XXXX ' provider in XX/XX/2021 after 2 months of closing. Do you have any contacts in XXXX to speak regarding an Escalation issue about Private Mortgage Insurance ( PMI )? Please reply to me if you have any contacts. Thank you. 

Issue : XXXX is saying I need to pay PMI ( {$62.00} per month ) for atleast 2 years as per the Contract now. Then why did they ask me to pay the 78 % mark of loan cost so soon within 6 months of closing my home. I have been cheated. Please help in this issue. 

Payments : XX/XX/2021 Curtailment {$40000.00} XX/XX/2021 Curtailment {$6100.00} Website : XXXX XXXX Customer Service # XXXX
Consumer complaint received 2022-11-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/2022 a scammer hacked my bank account sending XXXX in the total of {$5000.00} to people. They called from a chase bank number confirmed on my XXXX XXXX  XXXX  an chase employee. I immediately called chase after the phone call and being locked out my account. I was advised i was scammed  and to file a claim. They are saying it was transferred from my device which is false i even called them telling them XXXX locked out my account i had to reset all names and passwords to my account. I even made a police report. My funds are suppose to be insured because i did not send anyone a payment at all my account was compromised and chase is refusing to return my funds. Family and friends tried returning the funds and they never returned to my account as i was locked out and the scammer changed my entire XXXX to another account.
Consumer complaint received 2022-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (IL)

I scheduled a payment for my loan to be made on XX/XX/22. Lending Point changed the payment date ( I have several confirmation emails to illustrate that I scheduled my payment for XX/XX/22 ). They posted the payment on XX/XX/22 a day early, which withdrew from my back account a day early. Which over drew my bank account that resulted in {$120.00} in overdraft fees. 

When I approached Lending Point for an email that outline the error on their end, they asked me to provide private banking information to prove the error even though I presented the screen shots and emails showing that they took my payment a day early. When I asked to escalate my concerns they refused. All I wanted was a note from them admitting the system error so I could have my bank remove the fees. 

A company should not be able to make a payment from my bank account without my consent. they did NOT have consent from me to withdraw a payment on XX/XX/22, which is what they did. I believe this to be a system error that other clients are likely impacted by.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are a lot of inquiries on my report that are unauthorized. I want the inquiries removed immediately! They violated my FCRA by requesting for my credit report without my knowledge!
Consumer complaint received 2022-12-19
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-11-23
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. (IN)

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

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-11-23
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. (IL)

I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Trans Union and Other Corporation, not government entities are receiving and reporting information that is denying me stability, housing, credit, and more. This is against the Privacy Act and I never signed for them to report any information. There are accounts that are incorrect, sure to be written off on taxes, and these merchants are trying to steal additional money from me. I disagree with all agencies reporting my negative information, I contest the accuracy of accounts, validity, whether written off on taxes already, also I contest all bureaus reporting are breaking the law. As, I did not consent to them reporting negative items, my address, name, dob, or anything that will cause me denial of credit, employment, housing, and or stability. This is against the law, Privacy Act, Lack of Consent, Reporting Incorrectly, and mainly breaking the law.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: PNC Bank N.A. (CA)

I closed my PNC credit card in XX/XX/XXXX. 

I moved apartments in XX/XX/XXXX, and I get a letter from PNC saying they have updated my address for the account that was closed in XX/XX/XXXX. I called to understand why they'd be continuing to get my address information if I don't have any relationship with them -- all I was told was that it could be a system error. 

There seems to be something more to it than just the system error. It has been more than 24 months and no company should be able to continue to track where I am moving in the country. There is absolutely no need for them to track this information. Given the fact that the customer service representatives were not even able to answer clearly, I think this should be taken up seriously and the bank privacy folks should be held accountable.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I actually messaged them and asked very nicely to close my account. And to use the secured portion of the deposit to pay the bill. After I asked them I forgotten about it. Well it seems that they took it o themselves to keep it open and before I realized that it was still open they had already had XXXX or XXXX late XXXX XXXX or more days late. I had to message and ask if they would remove the late marks as I felt it was their fault and they refused. They have caused me great distress and a bad XXXX as I have worked really hard to get my score up to XXXX at that point and score prolly dropped XXXX points.. They deliberately done that to cause me to be XXXX They prob are laughing now 15 USC 1681a I states report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer can not sue the issuer unless the consumer writes a dispute letter to the credit reporting agency first,
Consumer complaint received 2022-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

On XX/XX/2020, I paid off my federal loan balance of ~ {$75000.00} through a loan with XXXX XXXX XXXX. Following the announcement of the student debt relief plan, as I was a XXXX XXXX Recipient making below {$120000.00}, I attempted to reach my Servicer - FedLoans Servicing PHEAA- to request a {$20000.00} refund, but learned that they had closed down and thus could not provide a refund. Because my loan balance was {$0.00} at the time the shutdown, my account did not get transferred to another servicer and I have no way of requesting or receiving the refund I am due according to the relief plan. Please help.
Consumer complaint received 2022-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

My previous student loan servicer was FedLoan Servicing. They transitioned my account to a new servicer, XXXX in XX/XX/XXXX. A payment was made by my XXXX company XXXX to FedLoan right after the loan was transferred. The loan was transferred on or around XX/XX/XXXX and the payment was made to FedLoan on XX/XX/XXXX for {$700.00}. FedLoan is saying they can't help me since my account is not with them and they have not transferred the payment to my new servicer XXXX nor have they returned the payment to me.
Consumer complaint received 2022-11-23
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. (KY)

I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account # 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 instruction. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc. (NC)

On XX/XX/22 at XXXX a email was sent to my mother in regards to a debt they are collecting from Unifin , Inc. it gave my personal information, amount owed of {$160.00}, and that they were a debt collector trying to collect a debt. I am not a minor and so my parents should not have been contacted in regards to this, let alone all the information to me on this.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

There is an account reporting on my report in the amount of {$5500.00} from XXXX XXXX XXXX XXXX Experian did not allow me to dispute the information found on said account, which includes an incorrect date opened, as well as they are reporting a balance past due on a collection account which both are against the fcra, all information reported must be accurate! Please help me in resolving this issue