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: Affirm Holdings, Inc (SC)

According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT under 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 law and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..
Consumer complaint received 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
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. (GA)

XXXX/DEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX Violated the PRIVACY ACT OF 1974 AND THE FAMILY EDUCATION PROTECTION ACT by providing my non public personal information to XXXX XXXX AND EQUIFAX and I'm sure multiple others that I have not tracked down yet. They stated that they would not provide any of my personal transaction history with any non affiliates or third-party companies. All of the credit agencies are non affiliates of XXXX/Dept of education.
Consumer complaint received 2024-04-08
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. (NY)

I recently revised my credit report and noticed an account that wasnt reporting accurately. I have XXXX late payments on that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. Ive attached the payment history from my credit report. For experian they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Sec XXXX and XX/XX/XXXX, as late. This is inaccurate. For XXXX they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late. This is inaccurate. For TransUnion they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late this is inaccurate. 
Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information cant be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MI)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

I deposited a check through my mobile app on XX/XX/XXXX. It showed as deposited in my mobile app on that day, but by XX/XX/XXXX I still did not have access to the funds. I spoke to ally ( both a XXXX, and then sent to a real person ) via the mobile chat function and that person repeatedly told me that the funds had been deposited and became available on XX/XX/XXXX. I explained how that wasnt possible, that the funds would not become instantly available, and also that I have proof from the sending bank that the funds werent released until XX/XX/XXXX. The agent in the app feature repeatedly told me there was nothing they could do, that the funds has been released, and wanted me to believe I had simply spent or lost {$5000.00} ( the check amount ). When I continued to explain how that was incorrect, their response didnt change and they continued to maintain that my funds had been made available. I asked for a phone number and spoke with an agent on the phone who initially gave me the same non-sensical response, later claiming the money had been made available XX/XX/XXXX ( which was also incorrect ) but when I explained that I am very thorough about balancing my checking account, and that I would ask CFPB to investigate, there was suddenly more information available and the agent acknowledged that I had in fact never gained access to the funds and that it would be up to XXXX more business days before I would have access ( which would now make a total of XXXX weeks before I had access to the funds ). I am extremely uncomfortable that XXXX different agents tried to either convince me that I had the money and spent it, or simply gave me varying information depending on how assertive I was, and also that to this day I still do not have access to the deposited funds.
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: LEXISNEXIS (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.

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 2023-09-15
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. (LA)

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.

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 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received my credit report from XXXX, XXXX and TransUnion on XX/XX/2024 and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under XXXX XXXX XXXX. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

I am writing to express my deep dissatisfaction with the lack of response and action regarding my attempts to adjust the principal balance on my account. In the months of XXXX, XXXX, and XXXX of XXXX, I sent multiple checks and clear instructions via certified mail to request these adjustments, and to my utter frustration, none of them seem to have been acknowledged or processed. 

I have reached out to your customer service on numerous occasions in an effort to follow up on these requests, but I am yet to receive any tangible results or even a satisfactory explanation for the delays. It is incredibly disheartening to be met with such indifference and inaction from an institution that I have entrusted with financial matters. 

I would like to draw your attention to my concern that pursuant to 18 USC 8, I am not in debt, and all of my accounts should be considered prepaid, as per the XX/XX/XXXX act. Therefore, I am left baffled as to why my simple requests for adjustments have not been addressed promptly and efficiently.
Consumer complaint received 2024-01-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The company Bank of American had reported a 30 late claim to XXXX XXXX this was the first late payment in over XXXXen or more years.Payment was sent but was not credit to my account i do my banking on line. i always pay WAY over the rerequired amount so they said they would send letter to XXXX XXXX and have it removed which they said they have done serveal times this has ben going on for two months and is affecting my credit rating the problems to be tran union.I put in a dispute they said they have have never recived a letter yet i was told on XXXX they had the letter and it would come off my credit report in two week which it has not.Please help with this matter thank you XXXX XXXX
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (KY)

I had a returned payment in the amount of {$70.00} for XXXX XXXX. It resulted in my Venmo account being frozen. I tried to resolve the issue on the app and on my desktop computer. Per the FAQ on this issue- you could resolve the error by following the prompts in the app or using the venmo.com/recover link. I have no prompts in the app other than to contact customer service. And the link doesnt work. I messaged Venmo on XX/XX/XXXX to let them know that I wasnt able to resolve the issue myself per the instructions and asked for assistance in remedying the issue to unfreeze my account. I sent several messages stating that I wanted to pay the {$70.00} so that my account would be unfrozen and I could use it again. It took several messages to get a response and I kept getting generic responses stating the FAQ information or that I had to be transferred to another dept. On XX/XX/XXXX, I finally had someone named XXXX tell me that I had to send in my bankruptcy discharge information in order to resolve the account. My bankruptcy didnt affect my Venmo whatsoever and this bankruptcy was filed in XX/XX/XXXX so no idea why it would affect my account. My case ended up being dismissed so I sent in a copy to the same email that had told me to submit this information and it restarted the ticket all over again. I got the generic message from a person named XXXX stating I had to be transferred to another dept on XX/XX/XXXX and havent received anything in response since then. This has been months of me going rounds with the company now and I need help to get this resolved. I wish to pay the {$70.00} and have my account unfrozen and active again. Ive done everything per the FAQ and submitted the requested information. And nothing is being done to help me.
Consumer complaint received 2023-04-20
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. (TX)

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXXXXXX XXXX XXXX # XXXX ..., # XXXX ...., XXXX XXXXXXXX # XXXX ..., XXXX XXXX XXXX XXXX XXXX... ), has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-01-23
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)

In XX/XX/XXXX the company 's received notice from the consumer to remove all personal information regarding transactions and experiences between parties from all reports delivered to third party agencies. Upon their failure to comply additional notice was delivered as followed : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly remove all our transaction and experience details from credit reports immediately and indefinitely. Your current malpractice is a violation of the Privacy Act of 1974.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

The company froze all my chase assets without any right to do that. i answered all their questions, he, XXXXXXXX XXXX XXXX did not like my answers. This is the XXXX time chase has locked my account, each time I went to the bank addressed their concerns and they unlocked my account. This time after providing a list of receipts and pictures of the remodeling work they said they would get back to me in 2-3 days. That is baloney. I needed that money to pay my bills. This dis service has caused me pain and suffering, and yet Chase XXXX XXXX can do whatever they want with my money. XXXX is his name, he presented no ID we just had to take his word for it. XXXX XXXX XXXX. I feel that Chase has singled me out. The first time was at the bank where they refused to give me my money. They told me to come back another day. I said why are you discriminating against me. He the banker ignored me. A second time I had to go in and verify that it was me. This is the XXXX time where they called me a liar and took my money without any reason and recouse for myself. 

I have filed a compalint with the EEOC for age discrimination, just yesterday.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (FL)

I canceled the insurance for XXXX and they claim I did not cancel it they are trying to charge me {$690.00} that I do not owe them because I canceled my insurance they are saying I owe over a month after I canceled it I do not know them this money please have them delete this from my credit reports I asked for proof all they can send me is that XXXX says I did not cancel I called and talked to an agent and told them to please cancel my insurance and at that time I had a XXXX balance it was right after I paid the last month
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: RockLoans Holdings LLC (CA)

In XXXX of 2023, Rocketloans.com started charging me for a loan for which I did not apply. A woman called XXXX XXXX XXXX stole my SSI ID number by hacking my WhatsApp account and stealing confidential and personal information like Driver 's licence but most important my Social Security ID card and number. Unfortunately, Rocketloans.com grants these loans through an online process. Only I am in possession of the original and authentic forms of identification and they are well guarded in my house. This loan should never have been approved. All they have is a Promissory Note which was signed using this woman 's email address - XXXX not my email address - XXXX. More details on the fraudulent loan : XXXX ) The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} XXXX ) Total of Payments The cost of your credit as a yearly rate. 
The dollar amount the credit will cost you. 
The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} {$36000.00}
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

I need you to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. 

Im disputing false or inaccurate information on my consumer file report with you, and I want you to carefully investigate and delete all false, incomplete, outdated, or unverifiable information related to my biographical information. This will help make sure you only have my correct information and will make identity theft or mixed file much less likely so thank you for only having the following on me.
Consumer complaint received 2023-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (NC)

I would like to file a complaint against PHH Mortgage Services | XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had an escrow account for property taxes and home insurance. They forgot to pay my home insurance. Now my home insurance policy is expired.