davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I am writing to file a formal complaint against AMEX 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 XXXX XXXX XXXX I notified AMEX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non0verbal, 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 reason to believe that AMEX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This un-authorization 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 un-authorization 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 AMEX complies with all federal regulations and laws, 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 AMEX. 
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 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

InXX/XX/XXXX, you requested your bank to pay your taxes from your escrow account. 
The bank only paid half of the tax bill, leaving you with a remaining balance. 
In XX/XX/, you realized that you were delinquent on your taxes and contacted the bank to pay the past due balance. 
The bank paid the past due balance and the penalty fee associated with it. 
The bank refuses to refund you the penalty fee because they claim that their negligence was not the reason for the penalty. 
I believe that the penalty would have been avoided if the bank had paid the tax bill in full like you requested earlier in the year.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I am writing to file a formal complaint against American Express 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 XXXX XXXX XXXX, I notified America Express that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non0verbal, 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 requ

irements 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 reason to believe that American Express has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This un-authorization 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 un-authorization 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 American Express complies with all federal regulations and laws, 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 American Express. 
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 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

On XX/XX/2024, I engaged in communication with Hunter Warfield regarding an asserted debt they claim I owe. I explicitly requested legal and contractual validation in connection with this matter. The representative communicated that she had responded to the Consumer Financial Protection Bureau ( CFPB ) complaint and furnished all pertinent legal documentation. However, the documents associated with the CFPB case # XXXX XXXX lack any valid signature from either myself or my spouse, and they are identified as electronic signatures ( E-SIGNATURES ) susceptible to being generated by Hunter Warfield.

Hunter Warfield 's personnel persist in sending emails to both myself and my spouse containing generic and misleading documentation, falsely asserting that I owe them funds. I wish to emphasize that I have never engaged in any business dealings with this company. Consequently, I demand an immediate cessation of all further actions affecting credit reporting until Hunter Warfield provides legal documentation, including attachments of a genuine signed contract by either XXXX XXXX or XXXX XXXX. 

This ongoing conduct by Hunter Warfield constitutes a violation of the Fair Debt Collection Practices Act, 15 USC 1692, and includes the provision of misleading representations of a creditor or company. Moreover, the validation of debt has not been appropriately provided. 

I am fully prepared to pursue additional legal avenues if Hunter Warfield persists in bypassing the prescribed legal procedures and fails to adhere to proper protocols.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (OH)

As you know XXXX criminally sold and bought my information as part of their data breach and per 15 USC 1681i they must delete any inaccuracies on the credit report. They are also refusing to issue me my attorneys fees per settlement breach agreement of over {$20000.00} that I turned in when I found I had XXXX default judgements and was never even served. I have police reports of identity theft along with The Ohio Attorney General. XXXX is blindly going off of what these fraudulent creditors are telling them and none of them can provide a complete account number. They are reporting my house is XXXX months late and it is current. I want you to order them to remove everything from my report as far as closed accounts and I never contracted with LVNV and they also can not provide me my full account number and they are saying I owe them money. I dont even know who they are. My identity was stolen thanks to XXXX and they refuse to remove these accounts from my credit report. Even XXXX XXXX, I have a vacated judgement entry as there was not proper service. If anything on my report is not properly reported it must be removed. I demand {$20000.00} from them immediately and the removal of every account that does not have a complete account number, and/ or can not provide every single statement along with every payment, every charge, every dispute, and every reward cashed in. This includes but is not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV XXXX LVNV XXXX Also I want my Mortgage through XXXX updated as current as it is current.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (OR)

I received a call from a Texas number where I haven't lived in XXXX  years now. They claimed to be a collection agency on behalf of a bank to collect on a past credit card from XXXX. I currently bank with this company. 
In the message they included sending summons to my house, and said my address. 
This concerned me, so I called them back. 
They claim to debt was XXXX XXXXXXXX dollars to settle out of court. 
Every time I asked a question, they couldn't divulge the info. Then, they read off to my my name, address, phone number AND my social. 
I gave them no info or answered any of their questions other than who I am. 
I hung up and called my bank. Their fraud department confirmed that I have no past debt owed.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX my PayPal , Inc. account was accessed through fraudulent means. At that time my PayPal account showed a balance of {$500.00}. The transaction details were as follows : Sent to an international account : {$500.00} {$3.00} ; XXXX XXXX Fee : {$4.00} {$37.00} XXXX Total : {$500.00} {$3700.00} XXXX I also filed a complaint with the XXXX Police Department for Fraud. 

At the same time this transaction occurred, the individual removed {$2800.00} from my debit card. I filed a complaint with XXXX XXXX XXXX Fraud Department. That is still ongoing pending investigation. This information is just being provided to support that someone other than myself completed the above transaction. As of XX/XX/XXXX, PayPal , Inc. filed a debt collection against me with XXXX XXXX XXXX XXXX for {$350.00}.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (FL)

I can not afford to pay back the loan right now my financial situation is not in good standing, and I need the company to stop harassing me on a daily basis unfortunately I am truly struggling with the high expenses of rent living and not receiving any income at all. Also, I was in the hospital for the XXXX XXXX that had me out for 3 weeks.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Arbor Professional Solutions, Inc. (MI)

During the time of the event when this occurred i had XXXX  which covered this, i explained the company did not due the diligence even after receiving the XXXX  card and info. The balance should have been removed instead i recieved phone calls from the company threating to affect my credit score and sue. These charges should not have been charged.
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (AZ)

I filled a complaint previously against BMO. BMO responded but their information is incorrect. BMO stated I paid {$190000.00}. I actually paid {$1900.00} on XX/XX/year> however nobody can provide me with a statement as to what I am paying towards. BMO also states I can go to any branch and make a payment, however nobody in a branch can locate my name, social security or an account number associated to me. The phone number provided in their letter for XXXX XXXX XXXX for any information is also incorrect. Nobody at that phone number can locate me either. 
What account am I paying towards? 
Why can nobody provide me with any answers. I have spent days and now weeks trying to figure this out.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I mistakenly tried paying a Citi bank credit card with the wrong personal bank account which had insufficient funds. I realized my mistake but was unable to cancel the payment online. I was unhappy, but I was willing to absorb the cost of a single insufficient funds fee. 

However, after the weekend, I received a second fee on my personal bank and after contacting the credit card bank, I was told that Citi bank may attempt a third time and there was nothing I or they could do to stop it. 

I was recommended to submit a stop payment order using my personal bank which would have required me to pay yet another fee had my personal bank not waived the fee due my circumstance. 

All told, a single mistake caused three payment attempts which I had no way to cancel, which required three insufficient funds/bounced check fees of around {$30.00} each from both my personal bank and Citi bank which, had I not put a stop payment, would cost nearly {$100.00} per bank for a total of nearly {$200.00}.
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: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO. (NY)

I have been working with Chase on a deferment for past mortgage payments and everything was complete. I was away for the holidays and they sent a property preservation company to inspect my property and do work.

This was against everything we agreed upon and no one ever called me to see if the property was vacant or anything. Also my loan was never reported past due so this never should have happened.

Chase refuses to compensate me or make this issue right.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : [ Mo/yr ]. *Refer to Late Payments Guide* Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (SC)

I returned my lease on the date it was commenced. I bought a new Honda and paid half than full, Apparently, when they closed the lease it was a day later then the return and it has been on my account as degroatory open. I returned it on time bought a new Honda XXXX They told me it needs to stay on this report for 7 years. Why? 

I did not make the clerical error. I purchased another vehicle from them. They told me it was corrected. Now they say I must write another letter. Please help this is annoying already. 

Sincerely, Honda Finance XXXX XXXX XXXX XXXX, I went from returning a leased car on time to purchasing another car with a loan. The return was a day late according to Honda but I drove away with a new vehicle It was a clerical error. 


XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

I am now using this platform to enforce my privacy rights of my nonpublic personal information as CFPB is the enforcement authority for the Fair Credit Reporting Act. 

I have sent Discover an OPT OUT notice to protect my private nonpublic personal information which is aligned with 16 CFR 313.1. As a federally protected consumer per the FCRA I am requesting again to enforce my rights per 15 USC 6802 TO OPT OUT of sharing my nonpublic personal information not be disclosed to nonaffiliated third parties such as XXXX XXXX XXXX XXXX Discover is in violation of the Privacy Act of 1974 as they have already received in writing notification and instruction from the consumer, me on how to exercise and share my non public personal information. 

Per 16 313.15 Other exceptions to notice and opt out requirements.

( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Per 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Per 15 U.S. Code 1681a ( 2 ) the term consumer report does not include ( i ) report containing information solely as to transactions Take this as my consent as a federally protected consumer : I ENVOKE MY RIGHT TO EXERCISE WRITTEN INSTRUCTION TO REMOVE SOLE TRANSACTION HISTORY AND MY NONPUBLIC PERSONAL INFORMATION FROM SAID nonaffiliated third parties such as XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-01-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

This card is virtually useless. I'm unable to spend the money on it. I was able to use it a single time after which it is now being declined anywhere I use it. It originally had {$50.00} in it, I was able to spend {$12.00} on XX/XX/XXXX. A payment was declined the following month, and several payments were declined on XX/XX/XXXX to XXXX different vendors. 

These AMEX ( and most other ) cash gift cards are complete scam and offer none of the convenience that they advertise on there website. They claim to be a good gift that is better than cash, but impose " security measures '' to make spending the money more difficult. They also DIRECTLY SUPPORT SCAMMERS.
Consumer complaint received 2023-12-21
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: EQUIFAX, INC. (FL)

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 USA 1681.

The accounts below have violated mi rights.

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 tem 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 ) ( a ) 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. 
Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX