davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (TX)

I am writing to file a formal complaint against [ XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 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 2024 ], I notified [ XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, 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 XXXX 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 [ XXXX XXXX XXXX XXXX, and XXXX XXXX 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 [ XXXX XXXX ] 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 [ XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (MD)

I'm paying much more for my car than it is worth. I'm currently paying for a car I can not drive. I have a XXXX  XXXX XXXX. My original Balance was {$13000.00}. My term is 72 Months. It's been 25 months, and I've only paid off 21 % ( $ XXXXcurrent balance ). I should have paid off a third of the balance by now. I'm going to be paying this car off past the 72 months. 

I've already spent more than {$2000.00} in repairs since I got the car. I'm currently unable to drive the car because it's been deemed unsafe to drive and is estimated to cost another {$1300.00} to repair. That means that I'm paying at least {$20000.00} overall ( which will go up more due to interest ) for a vehicle that is 12 years old and not drivable at the moment ; I could have bought a new car for {$20000.00}. 

I've had to set up multiple payment extensions ( I'm currently on one ) ; on some occasions, an extension was denied. Customer service is impossible to deal with. I'm having a very difficult time with this car, and have gone into a XXXX  XXXX because of it. There's no way a 12-year-old car should cost me over {$20000.00}. There's no way that after all the money I spent, I should be renting a car through the XXXX  program , and paying {$330.00} a week, and being required to do a certain amount of rides with them, just so I could have a vehicle. So because my car is undrivable, in addition to my premium of {$290.00} a month and insurance costs, I'm spending {$330.00} a week ( approx. {$1300.00} a month ) to have a vehicle to drive. And because of the cost of XXXX and other expenses, I still haven't earned the money to fix my car. This is the most insane situation I've ever been in when it comes to a vehicle. 

The bottom line, I'm paying more than this undrivable vehicle is worth, and it's not right.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I received a series of text messages notifying me of the use of my bank card throughout the United States while I was in Minnesota. Soon after, someone claiming to be from Bank of America called me to inform me of the suspicious activity on my account and offered to help me set up a new account by transferring my money to a " safe '' account via XXXX. Unfortunately, I fell prey to the scam, transferring {$2800.00} in two separate transactions of {$2300.00} and {$500.00}. 

I have attempted to retrieve my money, as I have read that other fraud victims have succeeded in doing so. However, the process requires a payment ID, which I have been unable to obtain from Bank of America despite spending more than 8 hours trying. The XXXX website suggests calling their customer service number, but I have found them to be equally unhelpful. 

Bank of America, which owns XXXX, will continue to hold onto my hard-earned money until I can take legal action.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (HI)

Credit card company entered me into a payment plan XX/XX/23 for {$230.00} a month at 5.9 %. I accepted paid my first payment XX/XX/23. Was charged 29.99 % regular interest and late fees totaling {$160.00}. That has been waived. I am trying to be enrolled in the program however their website keeps giving me an error future tense. I accepted the offer XXXX.
Consumer complaint received 2020-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$440.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3600.00} XXXX XXXX {$2200.00} XXXX {$650.00}
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

XX/XX/XXXX, - Property Closing Date with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter acquiring loan using NewRez, as servicing agent XXXX XXXX, XXXX - NewRez said they did not receive the HOA flood policy XXXX XXXX, XXXX - Clients letter to NewRez enclosing copy of HOA flood policy XXXX XXXX, XXXX - NewRez letter to clients re flood policy will expire soon XXXX XXXX, XXXX - XXXX XXXX  sent HOA flood policy to NewRez ( clients request ) XXXX XXXX, XXXX - NewRez letter to clients confirming HOA flood insurance policy that they had placed on our property was cancelled on XX/XX/XXXX because adequate insurance coverage had been received. 
XXXX XXXX, XXXX - NewRez letter to clients saying that HOA flood policy did not contain adquate flood coverage. 
XXXX XXXX, XXXX - NewRez letter to clients stating that if we don't receive proof of an active flood policy within 15 days, they will give us lender-placed flood insurance. 
XXXX XXXX, XXXX - Clients letter to NewRez resending flood policy again & giving them flood insurance group policy information to contact directly. 
XXXX XXXX, XXXX - NewRez letter to clients informing us that lender-placed flood insurance policy had been placed on their behalf. 
XXXX XXXX, XXXX - Clients letter to HOA flood policy company XXXX XXXX XXXX XXXX, XXXX ) with NewRez documentation of what they were doing to us. XXXX sent ( via fax and mail ) the insurance flood policy confirming proof of coverage. 
XXXX XXXX, XXXX - NewRez Annual Escrow Account Disclosure Statement showing new amount due on XX/XX/XXXX. 

NOTES : On our closing date last XXXX, clients signed an Escrow Waiver specifying that there be no escrow account. Additionally, Notice of Servicing Transfer that was also signed, specified that the original terms of our mortgage would not ever be changed.

During all this correspondence from NewRez, there was never a name, a contact, or direct phone number of anyone to ever contact.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (FL)

I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as i have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. 

XXXX. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I have attached proof that all these payments were made I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. 

I have also attached my License and Social for proof of identity
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (IA)

My account is showing a negative available balance, but it also shows a positive balance for current and unbucketed funds. 

Per Ally banks statement regarding unbucketed money " This represents the amount of your available balance that you haven't already allocated to your buckets ''. 

I spent 45 minutes on chat with a representative who initially told me it was being transferred to another account to cover a negative balance.. Then she said it was being held until the other account balance was brought positive. 

Then I had a 20-30 minute call with a representative who said that the money was being held because of a check that had not processed through yet.
Consumer complaint received 2021-01-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NC)

XXXX XXXX XXXX XXXX is trying to collect XXXX dollars on a progressive account. I send them a email to validate the collection never received respond Back. File a dispute with XXXX they Get back to them verify but XXXX won't show me how it was verify so iam filing complain with the FCRA. Just want se to the proof Caine & weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Account # XXXX Account date XX/XX/2017 Thank you very much XXXX XXXX
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I purchased the vehicle in 2017 my first time buying a car and I was paying on time every month until I had family problems witch led to me to move states. I contacted the company several times to see if they can lower my payments or work with me but they refused and also they harassed me with phone calls at odd times of the day. I ended up surrendering the vehicle back to them witch led me to be unemployed due to not having transportation.
Consumer complaint received 2021-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Scam checks were deposited into my account and the man who sent them to me threatened me to send them back through XXXX XXXX and then those checks bounced back so now Im left with a overwhelmingly huge negative balance in my account which I can not afford to lose. I tried calling my bank they said they annoy recover the money and I tried calling XXXX XXXX  support they also can not recover the money. Both of them said to make a police report and the police also said theres not much they can do.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I had an insurance policy that had rolled over into a new policy year. They was so in a rush to renew my policy to over charge me for the driving recorded they said they occurred but that wasnt true 1 ). Because what they had brought up to me was already on my record before ny last policy with them. And also because I was accidentally informed it was about a non fault accident which legally my insurance shouldnt be raised for. 
So when my new policy started at almost XXXX a month they forgot to roll over my discount but not the new account fees. So about XXXX months into my policy it was causing horrible financial problems on my life so I took the time to call my insurance company for the millionth time ready to give up and stating that and also telling them I kno its a discount they can find for me. I then get told oooh I can get XXXX defensive driving course discount added to my policy which in XXXX XXXX State is 10 % if your policy. I asked them could they add that to my full policy amount because it shouldve been rolled over. It last for XXXX years and I had received it the year prior, which meant I had a whole policy plus more to go. So instead they denied my suggestion and told me they could only give it to the remaining of my policy balance of a month and a half - 2 months of XXXX which was only a {$200.00} a {$1500.00} difference in what I was owed. I told them to cancel my policy because they shown no mercy and care about what they had done and I even told them to go back to the conversations where it was recorded and at the time I provided the information of the date of the phone call where I was told by a male employee the difference was from the accident which wasnt my fault at all my car was parked. But liberty mutual has a bad reputation for paying for their customers needs. And it showed in my time with that insurance company. It ruined my life as a young driver under XXXX. After that causing me so much trouble to get a new policy. A XXXX premium added to my car loan and also tickets to where I finally had to move because it accumulated too soo much money and nothing was helping. This was unfair and it should be fully removed. I was told and lied to about my discount and everything being rolled over identically to the previous policy I had. The whole time being mislead untill I was almost so far in a whole financial and was ready to give up before I was enlighten about a discount only because I was ready to cancel my policy and move on before my term finished. Im literally in XXXX XXXX  against them right now for this exact statement I wrote.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

It has been about 30 days now since I contacted this bureau and they still have not corrected the derogatory mark on my account. 
This is ridiculous. 
This needs to be fixed. 
These companies are taking their time on this and all I want to do is move on from it.
Consumer complaint received 2023-02-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number XXXX 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 2023-07-07
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. (OH)

I HAVE BEEN VICTIM OF IDENTITY THEFT. 
I SENT : -A POLICE REPORT -A FTC Report date documents were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax did not remove these fraudulent accounts that i am not responsible for violating my consumer rights. 
desired resolution : delete thes fraudulents accounts like XXXX and XXXX DID. 
Fraudulents accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX