davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, Equifax, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXX XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXX XXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, Equifax, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship.

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX XXXX XXXX XXXX not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX XXXX internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MO)

I applied for a loan modification through Specialized Loan Servicing ( SLS ) last year in XX/XX/XXXX due to me being unemployed and wanting to try to keep my home. I was approved for an unemployment forbearance with the total amount being due on XX/XX/XXXX. I have attached a copy of the forbearance agreement that I accepted on XX/XX/XXXX. 
SLS sent a letter in XX/XX/XXXX stating that I did not accept the agreement, I reached out to the company and verified that the forbearance plan was still active. Also, on XX/XX/XXXX I filed for a XXXX XXXX bankruptcy ( Case # XXXX ). As, I was still unemployed and could not afford all of my debts. But, my plan was to keep my home if I could. On XX/XX/XXXX, I received a motion for relief from automatic stay filed by SLS by XXXX and XXXX XXXX firm with a hearing date of XX/XX/XXXX at XXXX XXXX. The motion states I am behind on my payments, which is contradictory to the forbearance agreement that SLS approved for me to be behind on payments until XX/XX/XXXX. I called SLS on XX/XX/XXXX to inquire why this motion was filed with me having an active forbearance plan and also why I was not given an option to reaffirm the debt prior to them filing the motion. The representative I spoke to told me I needed to contact my lawyer and provided me with me no information. I feel SLS is moving to evict me prior to the agreed upon Unemployment Forbearance plan.
Consumer complaint received 2022-05-24
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. (AR)

In XXXX of 2022 I reached out to Transunion via certified mail in reference to fraud related accounts reporting on my credit report due to identity theft. I included a copy of Police Report that was completed in person as well an identity theft affidavit. The accounts in question were XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have not applied for or received and credit for these accounts and they should not be reporting on my credit file due to being fraud-related. Under sections 605b, 609, and 611 I am requesting Transunion to remove the fraud-related accounts from my credit report as i've become of victim of identity fraud/theft.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I wanted to pay off the card for a reduced amount because I have been paying on this card for years about {$100.00} a month. And I haven't used it for at least three years or more as well but the amount go up or stay the same. I know I used the card and the money. But I asked them for a little help with a smaller payment for a few months they wanted more. So I stared making payments I could afford and they close the account so I couldn't make any payments. So I was getting a home equity loan to pay off the card and I called in for a amount they would take to close the account. I got an amount but I'm XXXX  and I have XXXX and I had a XXXX after I talked to them and I can't find the amount I wrote down. And now they want me to go back to making payments even smaller ones now. I feel they are taking advantage of me I just want to be done with them. They force me to use my SSN # after I gave them all the information they asked for.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (OH)

I am writing to file a formal complaint against American Express for alleged wrongful debt collection procedures. I believe that American Express has engaged in unjust and and complex 9legal proceedings against me, including the issuance of garnishment orders, imposition of unexplained fees and charges, which have caused significant financial distress and violated my consumer rights. 
I will provide a summary of the issues i have encountered. 
1. Garnishment orders : American Express has initiated garnishment orders to collect on debt without reasonable attempts to negotiate a repayment plan. These garnishment orders have been issues without proper explanation and i was not afforded the opportunity to dispute the debt 's validity. 
2. Unexplained Fees and charges : American Express has imposed fees and charges on my account that lack transparency and clear justification. Despite repeated request for clarifications, i have not received a satisfactory explanation for these additional charges/costs. 
3. Complex Legal Proceedings : American Express has employed complex and confusing legal procedures in its debt collection efforts. These proceedings have made it difficult for me to understand my rights and options, further contributing to the stress and financial burden of this situation. 

I believe that American express 's actions are in violations of consumer protection laws and regulations, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd- Frank Wall Street Reform and Consumer Protection Act.

I kindly request the Consumer Financial Protection Bureau to investigate this allegation and take appropriate actions to rectify these issues. Specifically, i am seeking : - A through investigations into American Express 's debt collection practices - Assistance in understanding and verifying the legitimacy of the garnishment orders issued against me - A clear breakdown of all fees and charges applied to my account - Enforcement of consumer protection laws and regulations to ensure fair and transparent debt collection practices. 
I am prepared to provide additional documentation and evidence to support my claims and facilitate your investigations. 
Also, i would like to mention about previous malpractice by Amex and complaint against it didn't stop them to do the malpractice. 

REFERECE Previous Complaint against Amex https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-american-express-to-pay-85-million-refund-to-consumers-harmed-by-illegal-credit-card-practices/ Please do not hesitate to contact me for any further information required. 

I appreciate your attention to this matter and your commitment to safeguarding consumer rights. I eagerly await your response and the resolution of these concerns and stop Amex to do malpractices mentioned above and previously complained. 

Thanks for your support and cooperation.
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Management Corporation (AL)

A representative by name of XXXX from Regional Finance has went against the fair debt collection practices by contacting my employer ( after I specifically told them not to especially if I am having open communication ) asking my boss why I was off and when Ill be back etc, then contacting a lady she used to work with at another loan company discussing my business asking why or if I had came in and going so far as to threatening me with garnishments when I had open communication was only 12 days late. This is harassment. Upon getting the loan I was totally discriminated against due to the fact I was told they typically DO NOT loan money to other people that are employed with another finance companies.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2023 a hard inquiry was made on my credit report for a JPMCB Card. A card was opened under my name on XX/XX/2023 with an account balance of {$210.00}.
Consumer complaint received 2023-01-19
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: CCS Financial Services, Inc. (MO)

This company is trying to collect debt from me they're in violation of XXXX XXXX XXXX & XXXX XXXX XXXX I would like to dispute all claims from my credit report and have it cleared from my credit I would also like to rescind the claim as I've paid for this property without knowledge of me paying
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (WA)

Venmo ( XXXX ) has froze the funds I have in my account. I have called the company and they told me to email them and that they do not deal with issues over the phone. I have emailed them done everything that they asked me to do for them to unfreeze my account. Funds that I got in my account they froze it the same day. It has been months now and they have yet to release my money to me. I tried to change my phone number and they froze it. They are holding XXXX it has been stressful to get this resolved. I am asking that my funds get released and to close my account with Venmo.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

Experian has no live agents accessible to address issues with credit freezes ( or seemingly any matter ). 

I atried to lift my freeze online, which I have done in the past, but instead got an error saying I needed to MAIL IN my request to life a temporary freeze. The company also wanted me to send in all sorts of personal information via mail - multiple copies of bills, social security card, birth certificate, etc. 

called their numbers ( XXXX and XXXX ), but when I went through the automated credit freeze lift process, I again got a message that my request must be made via mail. I tried to go through all the other prompts, but there was no way to speak with a live person. I should note I tried this phone call during normal business hours ( around XXXX ET on a Thursday ). 

I've had no problems regularly lifting my credit freeze from the other bureaus, and have used Experian 's in the past as well, so I'm not sure what's going on. 

Either way, these credit reporting companies who were are FORCED to do business with, should be forced to provide LIVE customer service for those who experience issues.
Consumer complaint received 2022-05-24
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. (AL)

I still have found alot of inaccurate information reporting on my credit file. I need you to conduct a reasonable reinvestigation! How could you have all of this information incorrect? This is a form of defamation/slander. But ill allow another 5 - 30 days per the law to get these iteams removed and do not use your e oscar system ; this is human error! Conduct a reasonable investigation because I am trying to buy a house this is really hurting my score! Mail me an updated report once all inaccurate information has been deleted! Dont forget about 15 U.S.C 1681 Section 604 A Section 2 : It says a consumer reporting agency can not furnish an account without my written instructions. Lasty, 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. I circled everything inaccurate with red INK!
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

ON XX/XX/2024 i sent a evolope to XXXX XXXX and XXXX attached in that envolope 1.idenity theft report 2.Copy of lease agreement 3. Drivers license 4. Social security card 5.dispute letter using FCRA Section 605 ( b ) deals specifically with blocking information resulting from identity theft.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

On XXXX/XXXX, I received an email from Wells Fargo confirming an appointment with a banker named XXXX XXXX at the XXXX XXXX, VA branch. XXXX XXXX was copied on the email at XXXX. I never made this appointment and have never spoken with XXXX XXXX. I don't even know who he is. I responded to the email on XX/XX/2023 asking what it was all about and never received a response. I called Wells Fargo on XX/XX/2023 and spoke with a customer service representative who told me the email was probably " fake. '' On XX/XX/2023, I received an email from Wells Fargo reminding me of the appointment. I went to the XXXX XXXX branch that day and spoke with a women who identified herself as the branch manager and she confirmed that XXXX XXXX does work at that location and she would speak with him to have him look into this. I would like to add that I was forced to go to the branch because no one at that location can be bothered to answer the phone. I called several times before having to drive there. I also left a message on XXXX XXXX 's voicemail and he has not responded. 

I called Wells Fargo customer service to file a complaint since no one at the XXXX XXXX branch seems to care about the issue. The representative I spoke with confirmed the appointment was on the books but she had no information about how or why it had been created. She was able to cancel it and start a complaint in my behalf - case number, XXXX. 

I am filing a complaint with the CFPB because I can not trust that Wells Fargo will look into this and provide an honest, detailed explantation. Why was this appointment created and who created it? This seems extremely shady and I do not want XXXX XXXX having access to any of my accounts.
Consumer complaint received 2023-02-23
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: MOHELA (FL)

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer.

Secondly, MOHELA mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, XXXX XXXX v XXXX, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ).
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

I received a notification from XXXX XXXX that I had a TJ Maxx Mastercard account closed. When logging into the credit card account, there was no indication that the account was closed. Upon calling the company, I was told the credit bureau notified them that I was not a good candidate. I have never had a late payment and even have an increased annual income from last year. The only thing that has changed is that I bought a house. So naturally my utilization rate is high with a new home loan added. If I wasnt a reliable customer then I would not have been able to get approved for a mortgage with a good rate as a single person. This is obviously a situation where there is some nuance and the company has no policy regarding a gray area. I have been a customer for over 5 years with 100 % of payments on time. In a matter of months my credit score will be right back where it was but instead my account was closed with no notification or inquiry. Also of note, this is the only company that has had an issue with my account.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (CA)

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