davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I am writing this complaint because Credit Acceptance is taking advantage of my rights. They keep calling and harassing me and placing my car into repossession. I am facing hardship right now and advised the company of my situation and they still placed my car under repossession. I also looked on my credit report recently and noticed that they are illegally reporting information on my credit report, and it need to be removed immediately. Under 15 USC 1681e ( b ) it states this ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681i ( 5 ) treatment of inaccurate or unverifiable information. This information needs to be deleted from my credit report.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (IL)

I keep getting scam calls from Amex numbers ( XXXX XXXX XXXX  ). They know my name, my parents ' address back in XXXX, and a lot of information, and claim that there are fraudulent charges under my name. However, when I call the same numbers back, I was always told there is no fraudulent charge. I asked Amex to fix this but I still keep getting such scam calls. PLEASE fix this and stop leaking my information! 

( BTW, I know Amex is selling my information because I started receiving spams to my parents ' names immediately after I added my parents to my Amex account as additional users. They had no footprint in the US before that. )
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (NJ)

I am a XXXX  member of the XXXX XXXX XXXX XXXX getting XXXX next week. I have reached our to all of my banks, financial institutions, and services that I have loans with in order to apply the XXXX XXXX XXXX XXXX XXXX ( SCRA ) in accordance to the Federal law. GoodLeap is one of the institutions I have a loan with. All of the other companies/banks/institutions have promptly honored and applied the XXXX by lowering my interest rates. On the contrary, GoodLeap has failed my numerous attempts to get even the slightest bit of communication or progress with this matter. Below are the dates I have reached out to them : XX/XX/XXXX : Initial Attempt- Routed to outsourced department overseas- unaware and unfamiliar with XXXX. Advised to send email to XXXX ( which I did ) NO RESPONSE XX/XX/XXXX : Second Attempt- Routed again to same billing department overseas, same scenario, unfamiliar with SCRA and advised to send another email including XXXX orders to XXXX I stayed on the phone while I sent the email until the representative confirmed that they received my email and advised to wait for response. I only recieve confirmation that email was received. 

XX/XX/XXXX : Third Attempt- Routed to the same department overseas and was told that they need to submit yet another request. At this point, with my XXXX quickly approaching, I requested to speak to someone onshore in the XXXX. I was transfered to an agent by the name XXXX, who was ALSO unaware and unfamiliar with the XXXX and ALSO advised that he will submit another request. I asked to speak to a Supervisor transfered to XXXX who asked me to email the documents once again and promised to personal follow up with me on XXXX, XX/XX/XXXX XXXX have recieve no communication with her whatsoever. 

XX/XX/XXXX : Fourth Attempt Called again requesting XXXX, spoke with XXXX who was ALSO unfamiliar with XXXX. She reached out to her Supervisor who was ALSO unaware of the XXXX and advised me to speak to the billing department once again. I explained that I have already done so along with all of my other attempts. Supervisor refused to get on the phone with me and advised XXXX to connect me with the Loan Servicing Department. The agent I was transfered to was ALSO unaware of the XXXX and said verbatim " this is not something we do in this department ''. XXXX assured her that this is the correct department and requested to get a Supervisor to assist. Agent advised that there are absolutely no managers or Supervisors working today and offered to give a callback. I advised them that I will be filing an official complaint and disconnected the call.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

Timely payments have always been a priority for me on this account, ensuring they're never overdue. I'm uncertain about the reasons for the reported late payment remarks on my accounts. As stated in 15 USC 1666b - Billing Error, corrections should be enacted.
Consumer complaint received 2023-04-27
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. (NJ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (DE)

I am writing to file a formal complaint against Discover Bank Financial regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On XX/XX/XXXX, I notified XXXX XXXX XXXX  that I am opting out of all authorizations, whether written, unwritten, verbal, or nonverbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have a reason to believe Discover Bank Financial has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, or other financial harm.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Discover Bank Financial complies with all federal regulations and XXXX, including the GLBA, to protect the privacy and information security of consumers like me.

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Discover Bank Financial. 
Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (CA)

I am writing to complain about CITIBANK, NA, who violated my privacy by providing my private information to a third-party debt collection agency. I am a consumer who has a credit card account with CITIBANK, NA. I received letters from a third-party debt collection agency, XXXX XXXX XXXX XXXX attempting to collect on a debt. I was surprised. I wrote to the debt collector and asked them to prove I owe them. They sent me private information and they obtained this from CITIBANK, NA. 

I am very concerned that CITIBANK, NA provided my private information to a third party without my consent. This is a violation of my privacy rights and the Fair Credit Reporting Act ( FCRA ). The FCRA prohibits credit reporting agencies from sharing consumer reports with third parties without the consumer 's consent. 

In addition to violating the FCRA, XXXXXXXX XXXX XXXX may have also violated the Gramm-Leach-Bliley Act ( GLBA ). The GLBA requires financial institutions to protect the privacy of their customers ' financial information. XXXXXXXX XXXX XXXX XXXXs disclosure of my private information to a third party without my consent may be a violation of GLBA.

I am requesting that the CFPB investigate this matter and take appropriate action against CITIBANK NA. I am also requesting that the CFPB provide me with information about how to protect my privacy rights in the future. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX Laws that CITIBANK, NA violated : Fair Credit Reporting Act ( FCRA ) Gramm-Leach-Bliley Act ( GLBA )
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/24 I received a email from WePay that my withdrawal from them into my account had failed but all previous transactions went through without issue. There is no reason for this. I contacted Chase Bank and they told me WePay closed my account ( which I just opened earlier this week ) and will be holding my funds for 120 days. I run XXXX XXXX XXXX  and can not operate at all without those payments first. {$410.00} is what they owe me. Immediately. Previous funds went through successfully so there is XXXX reason to hold this money.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$800.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$300.00} Needs Attention XXXX  XXXX  Reported : XXXX. XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$1200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$960.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$880.00} Needs Attention Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Collection account. {$530.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$300.00} Status Collection account. {$300.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$960.00} Status Collection account. XXXX  Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Credit Services Inc. (MI)

Im unaware of this debt. I did not have the opportunity to dispute this dept. I also did not receive proper notification on this debt. If in fact you believe that i did receive proper notification of this debt please provide me with the certified mail with receipt with my signature.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Neon Newco Corporation (OH)

I received a letter in the mail stating that this company had approved me for a credit card and that I should call to activate my account. The letter also detailed several fees associated with this card. 
I didn't apply for any card with this company but I was concerned that they would try to make me pay their fees by threatening to ruin my credit rating so I called the number to attempt to close whatever account they had opened under my name. Their automated system failed to connect me with anyone. It was stuck in a loop. I emailed the company requesting that they close the account but was told I would need to call their phone number again and activate my account to be able to close the account. I informed them of the problems and made several attempts to connect with someone who could resolve this. They have repeatedly failed to do anything about it.
Consumer complaint received 2024-01-18
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: GOLDMAN SACHS BANK USA (TX)

I submitted a dispute for a XXXX charge and my account reflected a provisional credit of {$27.00} given on XX/XX/XXXX while they investigate. The funds never reflected in my account. I was then informed that the dispute was resolved in my favor and the credit given to me would remain on my account on XX/XX/XXXX. The funds never reflected. I track and pay very close attention to my account and have urged Apple Card support on numerous occasions to take a deep look at my account and they will find that although it says the credit was given, the funds never came and my balance never changed. Apple Card keeps saying my charges and payments match, but thats the thing, they should not match, they should reflect a subtracted amount of {$27.00} with the credit!!!!!!!! I am tired of the run around and no one is actually adding the numbers up and seeing that the credit amount is missing. This is fraud!
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to dispute the accuracy of several unauthorized inquiries on my credit report, as provided by XXXX. After obtaining a copy of my report, I have identified the following inquiries that I believe are unauthorized and not attached to any of my accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, I request that you conduct an immediate investigation into these matters and remove these inquiries from my credit report. 
* Inquiry Details : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX * Explanation of Inaccuracy : * All of the listed inquiries are unauthorized and not associated with any accounts in my name. 
* Request for Immediate Investigation and Removal : * I request that XXXX immediately investigate the unauthorized inquiries listed above and remove them from my credit report. 
* Reference to FCRA - 15 U.S. Code 1681a : * I want to bring to your attention the FCRA, specifically 15 U.S. Code 1681a, which outlines definitions and rules of construction related to consumer reporting agencies. As per the FCRA, inaccurate and unauthorized information should be promptly investigated and corrected.
Consumer complaint received 2024-01-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Urgent! Time sensitive. 
XXXX XXXX, Florida case # XXXX Va backed home loan protected by DOJ v. Boa landmark lawsuit, and now the additional federal protection against illegal foreclosure, outlined in the XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ), Bank of America is still proceeding with the public auction of our home on XX/XX/XXXX! The VA loan admin XXXX XXXX at XXXX ext. XXXX, XXXX specifically spoke with BOA VA contact where both knew to stop the illegal sale. The BOA attorney XXXX XXXX at XXXX continues to push this sale. XXXX XXXX XXXX has history, was taken off the bench by XXXX XXXX XXXX previous for illegal property sales is somehow now the presiding Judge and refuses to allow this case to actually have a trial and is permitting the illegal auction despite federal protections. This is a XXXX veterans case backed home loan. No email for her other than XXXX.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (GA)

The credit card company Avant, I last spoke with them last year around XX/XX/XXXX or the month after, I called in to make sure the balance was paid off. The balance that was owed was XXXX, the representative stated that they placed credits back to my account which was the late fees charges and others fees that was assessed and that took care of the balance owed. Today XX/XX/XXXX I get a notification to my phone about a collection account added and it was the credit card company Avant, I spoke with last year. So I called them today asking them to look at my last statement and the notes on the account and the last representative I spoke with, and I asked to speak with a manager as well and they couldnt provide me with one. She continue to tell me they sold my account and she cant help me and I need to talk to the people who they sold it to. This is outrageous I spoke with them last yr and I had no balance owed, and no up to date statement seeing that I did make a payment to them as well before I called last XXXX
Consumer complaint received 2024-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

investigation shows the information to be accurate, I further request that youforward to me a description of the procedure used to determine the accuracy andcompleteness of the item ( s ) in question, including the business name andcontact information of any furnisher within 15 days of the completion of your reinvestigation
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NC)

Spring Oaks capital LLC, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). XXXX XXXX XXXX obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This debit is furnished on multiple of my credit reports as a negative item and it has affected me as such.
Consumer complaint received 2023-04-18
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: I.C. System, Inc. (NY)

i never had any interactions with either company. my information was in a data leak, i tried to get a lawyer but it cost too much, i called the company 's multiple times only to speak to a machine
Consumer complaint received 2023-07-25
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. (TX)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-27
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. (VA)

Late Payments 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 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USC 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. 

Due to these violations I have a right to sue per violation.