davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation (SC)

According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution has furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT XXXXnder the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

My cellphone and laptop were stolen on XX/XX/XXXX, on the XXXX the individual who stole them or someone they know was able to get into my PAYPAL account and create a fake account and transfer money into there account. My bank declined the transaction and PayPal knew the account was compromised and suspicious however still sent the money to the individual who stole my phone or laptop. No money was ever sent on my behalf or authorized by me yet the are still trying to collect on the balance from me instead of going after the criminal who stole the phone and processed this transaction.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I have two accounts that have multiple inaccuracies between all three credit reports. Reinvestigate the completeness of every piece of information and if the information is not correct or accurate, the account needs to be deleted from my credit report. 

Below are the inaccuracies across all three bureaus from each account. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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 Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY (FL)

Subject : Complaint Regarding Improper Repossession and Lack of Notice by Wells Fargo To all those concerned, I am writing to bring to your attention a matter of great concern regarding the repossession of my vehicle by Wells Fargo. I believe that Wells Fargo has failed to adhere to the consumer protection laws outlined in Florida Statutes, Section 537.012. 

Lack of Notice Before Repossession : In XX/XX/, my vehicle was repossessed by Wells Fargo without any prior notice. According to Florida Statutes, Section 537.012, I should have been provided with an opportunity to voluntarily surrender the vehicle before repossession. However, this did not occur, and I was not given the chance to cure the default or redeem the vehicle. 

Failure to Provide Notice of Intent to Sell : I have not received any notice from Wells Fargo regarding the intent to sell the repossessed vehicle, including the date and location of the auction sale. This lack of communication has left me uninformed about the process and my rights as a borrower. 

Violation of Right to Cure the Default and Redeem the Vehicle : Wells Fargo has not provided me with the necessary information regarding my right to cure the default or redeem the vehicle, as stipulated by Florida law. This omission further compounds the issues surrounding this repossession.
Consumer complaint received 2023-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MO)

My boyfriend gave me power of attorney to speak to this company so I could pay off the truck, I've been trying for 6 months to get someone to speak to me even sent them a copy of paperwork twice and they are saying it's not good enough. I had the money to pay it totally off twice but had to spend it on trying to fix me something to drive till I figure it out. Now it's gone, they got it. My POA says unlimited. At first they even made arrangements and said after court we'd figure it out then they just refused to talk to me, I'm on his paperwork as someone to speak with as well. Why would I make payments if I had the cash to pay it all. I've been harassed so much from this company and it's caused me a lot of stress, calling all hours, beeping in my other line as I'm speaking to them only to say they won't speak to me. Now they want me to call them? I have no concerns.I expect the truck back or at least my tire/wheels and other accessories After the stress they put me through. They took full advantage of this situation in my eyes.Ive already spoke my concerns now they need to address the problem. The XXXX is involved now as well
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Complaint against Equifax, XXXX and XXXX credit bureaus : In XX/XX/year>, I received a breach notification from a health care provider of my minor child. It did not offer credit monitoring or say exactly what information had been compromised. 

As a result of the breach notification, I contacted the XXXX credit bureaus to place a freeze on any credit report created on my child. I was told by each of the XXXX that to obtain a freeze on a XXXX credit report, I was required to complete a written form and mail It to each of them- including all of my XXXX childrens and I personal identifying information. I could not do the process on line or over the phone for any of them. 

Although I was reluctant to send extensive personal information about me and my children by mail, I completed the forms and mailed then with tracking through a XXXX office to help protect the information. I later learned that XXXX simply forwards such mail to XXXX for delivery. This was in XX/XX/year>. 

XXXX of the XXXX letters were delivered, XXXX and XXXX. XXXX was not - Equifax. I called the XXXX and Equifax and was simply told that the letter had not been delivered. No further information was available to me. Equifax representatives told me to resend all the document. As I was preparing to close all my credit accounts and open new ones to prevent fraud, I contact the United States XXXX XXXX XXXX. The Postal Inspector I talked to was incredibly helpful and did locate the missing Equifax letter which he said had been misplaced between the XXXX XXXX and the Equifax courier. Whew. 

My question and complaint is why is it reasonable to require breach victims to send very confidential personal information through the mail in order to place a freeze on their childs credit report - including but not limited to after after a breach notification. Seems like the process only compounds the insecurity caused by the breach. Although in my case after much time and effort things were fixed, there has to be a better, more secure and consumer friendly way to handle this situation. 

XXXX XXXX
Consumer complaint received 2018-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/18 my BBVA Compass Checking account number XXXX was robbed in a identity theft embezzlement. The suspects that robbed my account have robbed me over 200 times. Before I opened a account with BBVA Compass I presented them with documentation to prevent this type of bank robbery from happening, they reassured me that my account would be monitored and this could never happen. 

On XX/XX/18 is was robbed in the amount of {$6600.00}. I need my hard earned money back, they failed to protect my account, they failed to protect me as a consumer, they failed to protect me as a customer of their bank. 

Please get my money back from these criminals sending phony levies, and garnishment suspects in my identity theft case that are XXXX XXXX District Attorny Deputies that are on the wrong side of the law. Stealing money from consumer in a official manner bulling banks and employers to steal money from consumers. This ring of local government criminals are well connected with the DMV employees that assist with personal information. 

Attached you will find my Federal Trade Commissioner Identity Theft Report they asked these criminals to remove this from their records more than once and made the XXXX XXXX District Attorey a suspect.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 has violated my rights. Or 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 2023-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/ I had submitted a cfpb complaint towards midland credit about an alleged debt and to cease communication on that alleged debt. A couple days later they responded that they will mark me as " cease and desist '' and yet they have still be communicating with me and I have proof. The fair debt collection practices act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Credit reporting is a medium that midland credit has used to contact me indirectly which violates the FDCPA. I demand that they cease.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (NY)

I am writing to dispute the reporting of inaccurate late payments on my credit report. After careful review, it has come to my attention that your bureau continues to report inaccurate late payments, while other credit bureaus have successfully updated my credit report to reflect the accurate payment history. 
Account Information : GM FINANCIAL XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the mentioned account, and it is essential that my credit report accurately reflects this positive payment history. It appears that there is a discrepancy between the information reported by your bureau and that of other credit reporting agencies. 
I kindly request that you conduct a thorough investigation into the late payment information on my credit report and update it accordingly. I am aware that the Fair Credit Reporting Act ( FCRA ) mandates a prompt resolution of consumer disputes, typically within 30 days.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NV)

I am writing to formally request your assistance with an urgent matter concerning my banking relationship with SoFi. As a XXXX XXXX I have encountered significant challenges with my account, which have been exacerbated by the banks recent decision to close my account without a clear explanation or adequate support. 

In recent weeks, I experienced a freeze on my account which severely impacted my ability to manage my finances. Despite numerous attempts to resolve the issue with SoFis customer service, my concerns were not addressed effectively. I often faced abrupt service terminations during calls, and on several occasions, representatives hung up, leaving my queries unresolved. 

On XX/XX/2024, I was informed that my account was closed due to an alleged violation of terms and conditions, a claim that was not substantiated with specific details. This sudden closure has left me without access to my funds, during a time when I am already dealing with significant personal health challenges. Moreover, I am affected by the recent XXXX XXXX XXXX XXXX leak, which has led to additional complications with denied transactions and accruing fees. 

Given these circumstances, I am seeking the CFPBs intervention to address the following : 1. A thorough investigation into the handling of my account closure by SoFi, including the reasons behind the alleged violations and the manner in which my concerns were managed by their customer service. 
2. Assistance in restoring access to my funds as swiftly as possible to prevent further financial distress.

3. Review of any penalties or fees applied to my account in light of the account freeze and subsequent closure. 

I believe that the difficulties I have faced involve violations of consumer rights and potentially discriminatory practices, considering my health condition. Enclosed are all relevant communications with SoFi, as well as documentation relating to the XXXX XXXX XXXX  data leak impact on my financial transactions.

Thank you for your attention to this pressing issue. I am hopeful for a prompt response and am eager to cooperate fully with any inquiries or advice you may have to facilitate a resolution.
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

Nelnet is mishandling the resumption of my federal student loans. I have emailed them 3 separate times all with no reply. I have spoken with them and they claimed that they would fix the problem but it persists. My payment used to be 1 monthly debit, now it's 2 monthly debits and those monthly debits are not being correctly applied to loans in repayment. Some of the payment is being applied to a recently obtained loan that is in " in-school '' status/ NOT in repayment.