davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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)

I have reached out to XXXX XXXX about reporting to third party credit bureaus on an account that is closed. I do not wish to contract with XXXX XXXX. XXXX, Equifax, and XXXX have not removed the closed XXXX XXXX account from my report as I did not give written or verbal agreement to report to those agencies. I have tried to dispute the account with the bureaus but they have yet to remove it.
Consumer complaint received 2022-04-20
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. (MT)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both have violated my rights. 


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.
Consumer complaint received 2024-03-21
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2024-02-25
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 (MD)

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. 

Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. 

These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. 

Neither XXXX, XXXX, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

I sued my auto finance company, Ally Auto in XX/XX/2019. They locked me out of my account for months, I was not able to make payments. I called and was told my account was frozen due to the litigation. Now the company is reporting me late for not being able to make payments. I feel I am being punished because I sued Ally ( and won, over vehicle damage during a repossession ). I have asked them to correct this several times and was told they would. They are reporting different things to different agencies, which makes no sense.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (SC)

I am purchase a car from Caravan. 

Per 15 USC 1604 15 USC 1638 ( 2 ) ( A ) 15 USC 1662 The Downpayment is suppose to be included in the financed charge. The delivery fee is the same. 

They are violating these statues deem by the US Congress and your department. 

I have attached the said contract.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against Wells Fargo for Potential Data Breach, Mismanagement of Personal Information, and Request for Monetary Damages Introduction : I am filing a complaint against Wells Fargo due to receiving communication linked to an old account under the name XXXX XXXX, my birth name, which I legally changed in XXXX and have not used since. This situation, which I believe to be a result of a data breach or severe mismanagement of personal information, is not only alarming but poses a risk to my financial security and privacy. In light of this, and my immediate need to address potential repercussions, I am seeking monetary damages to hire a private investigator and obtain necessary insurances. 

Narrative of Events : Upon receiving the letter from Wells Fargo regarding an account associated with a name I no longer use, I was deeply concerned about the integrity of my personal data and the security of my financial information. This incident is particularly troubling as I am in the midst of planning significant financial activities, including a capital raise and real estate transactions, necessitating a clear and secure financial standing. 

Violations and Requested Resolution : Gramm-Leach-Bliley Act ( GLBA ) : The potential exposure of my personal data suggests a breach of GLBA, which mandates financial institutions to protect the confidentiality and security of consumer information. 

Fair Credit Reporting Act ( FCRA ) : Should this issue affect my credit report, it would violate the FCRA 's requirements for accurate and fair credit reporting. 

Given these concerns, I request the CFPB to : Initiate a thorough investigation into the handling and protection of my personal and financial data by Wells Fargo, specifically identifying how my former name came to be associated with recent communications. 
Mandate Wells Fargo to provide monetary damages sufficient to hire a private investigator to assess the extent of the data breach or mismanagement and to secure necessary insurances that would protect my financial interests moving forward. 
Ensure Wells Fargo takes immediate steps to secure my data against further unauthorized access or breaches and to correct any inaccuracies in their records or on my credit report stemming from this issue. 
Conclusion : The receipt of this letter under a former name and the potential it signifies for a data breach or significant mismanagement has caused me considerable distress and concern for my financial future. It is imperative that this matter is resolved promptly and thoroughly, with Wells Fargo held accountable for any lapses in data security or management. I trust the CFPB will act swiftly to address this complaint and facilitate the necessary financial restitution for me to mitigate the potential impacts of this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I requested on XX/XX/XXXX to change my repayment plan with Nelnet. It is now XX/XX/XXXX, and the payment that I do not feel I can afford is due in 11 days for over 3x the amount the new plan would be. Phone wait times are HOURS, and all they say is that " its processing ''. This company is an absolute joke and should be sued by every single student loan borrower who was forced to work with them
Consumer complaint received 2023-04-09
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. (NY)

TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q RESOLUTION DELETION OF CONSUMER FILES, REMOVE ACCOUNT FROM CONSUMER REPORTS
Consumer complaint received 2023-10-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

My Marcus High-Yield Savings Account was locked in early XX/XX/XXXX randomly. I called Marcus customer service ( XXXX ) on XX/XX/XXXX to find out what happened ( photo attached below ). It turns out my account was forcibly closed on their part and they would not explain the reason why it was closed to me. I had around {$700.00} in the Marcus high-yield savings account and have yet to receive any funds back to my XXXX checking account. 

I called again today on XX/XX/XXXX ( photo attached ) and I spoke with fraud specialist XXXX. I found out my account was still in the process of being closed. It is taking way too long now. Also, I have not received any emails regarding my account being closed or the process my account is going through. It is completely irresponsible for a company to mishandle my account and not be forward with me communication-wise.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports
Consumer complaint received 2023-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IN)

On Tuesday XX/XX/XXXX Paypal tried to deduct {$250.00} from my debit card stating I signed up for auto add money feature which I never did. My bank denied the transaction. I called Paypal and they told me it was a glitch and no money was attempted to be withdrawn and it wouldn't happen again. Tuesday XX/XX/XXXX, XXXX, and today the XXXX they tried to take it but this time from my bank account. My bank denied it all three more times. I reached out today where the service rep was rude and wouldn't give me any answers other than " we'll contact you after we investigate and close your account ''. So my account is being closed for asking why they are trying to take {$1000.00} from my account monthly? And I'm not sure but possible illegaly I never authorized any money to come out of my account.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

I have asked on multiple occasions that LVN remove me from their records and to provide me with written proof in accordance to the XXXX and FDCPA of any original wet ink written agreements of me entering into contract with LVN. To show provide proof that I gave my written consent to them to report any positive or negative items on my credit profile and to show any proof that I owe them any debts related to services Ive accepted from them. LVN continues to harass me with threatening language via mail, phone calls, and text. They are damaging my reputation and continues to use my name fraudulently. I have asked them to remove this account and any all negative information associated with my name, the likeness of my name and any addresses current or past
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 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. 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. XXXX. # XXXX, XXXX XXXX XXXX # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, U.S DEPARTMENT OF EDUCATION XXXX XXXX, XXXX & XXXX XXXX XXXX # XXXX, DEPT OF ED? XXXX # XXXX, DEPT OF EDXXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF EDXXXX # XXXX DEPT OF ED/XXXX  # XXXX XXXX DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXX, XXXX XXXX XXXX # XXXX,
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HGREG.com (FL)

I, XXXX XXXX, applicant, dated on XX/XX/2023 went to car dealership at XXXX XXXX XXXX XXXX XXXX, Florida XXXX. However, XXXX XXXX XXXX XXXX, has failed to comply with the Equal Credit Opportunity Act. In addition, I was not able to get the Auto loan. I have reasonable cause to believe I was discriminated. See attachments.
Consumer complaint received 2020-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

Hello, I originally mailed my credit dispute letters to XXXX, XXXX, & XXXX  on XX/XX/XXXX. 

I am disputing the following items with the alleged amounts below : 1 ) AD ASTRA RECOVERY SERVIC - {$2200.00} - XXXX XXXX 2 ) XXXX XXXX XXXX- {$200.00} - XXXX XXXX 3 ) XXXX/ XXXX  XXXX  XXXX XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} - XXXX XXXX My dispute letter contained the following details : To Whom It May Concern : Upon checking my credit report, it has been notified that there are negative and inaccurate  information shown. I have no knowledge of these accounts. 

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature, validating claimed debt by proof of your legal right to collect, an accurate accounting of the amount, identity verification such as ID, Social Security card, voice recording and a copy of the original account agreement or a signed copy of your original contract. 

If this verification documentation can not be provided I would kindly like for this information to be deleted off my consumer credit report. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section, and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$3000.00} per violation for : Violations of the Fair Credit Reporting Act ( FCRA ), Violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I never gave this credit card company the permission to run my credit nor did I give them permissable permission to to report the negative hard inquiry 15 us code 1681 b is the first code uniformed commerically they are violating
Consumer complaint received 2023-10-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

In brief, InComm Financial Services has my funds and won't let me use the funds or even provide a way to speak with them about it. I have a " Vanilla '' brand XXXX Gift Card " serviced by InComm Financial Services , Inc. '' and " issued by XXXX XXXX, Member FDIC. '' It has {$450.00} on it. I have never been able to make a purchase with it because it has been declined for all transactions when I've tried to use it over the past several days, including in various stores, vending machines, and online. When I attempt to access information about it at XXXX it says that there is a " system error '' and to try again later. The card has a phone number on it ( XXXX ), but the phone tree never gives an option to speak to a person, and none of the automated responses are relevant. There is also no other contact information that I can find on XXXX
Consumer complaint received 2023-05-22
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: Resurgent Capital Services L.P. (PA)

I am not liable for this debt with XXXX XXXX XXXX XXXX and did not have a contract with LVNV FUNDING LLC. They did not provide me with the original application or anything I signed with them.
Consumer complaint received 2024-03-21
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-05
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)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-11-12
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Co XXXX has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It's been 121 days and no response from the credit bureau. The letter is attached of what I sent. 

Also, I was denied a home loan because no records can not be located with the account numbers that is being reported. 

TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, PA XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # XXXX
Consumer complaint received 2022-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

When I pulled my consumer report, I seen that Enhanced Recovery Company reported an account for the amount of {$170.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never entered into a contract agreement with this organization and I challenge Enhanced Recovery Company to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.