davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (GA)

I am writing this to file a formal complaint against 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 ( GBLA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified 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 , 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  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 .

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Consumer complaint received 2015-05-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SYNCHRONY FINANCIAL (FL)

I am call at least 5 times a day and so is my husband I am on XXXX and can not pay at this time they will not accept payments without bank account which I will not give them I have offered to send small monthly payments and they will not accept them
Consumer complaint received 2024-02-29
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 (NV)

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX This creditor violated my rights under US1681 Section602 states I have the right to privacy. 15 USC1681 Section 604 ( a ) section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-05-02
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am a mutual costumer of Bank of America and I have submitted a compliant about a XXXX ago and XXXX of the employee from customer resolution contacted me and notified me that the issue I had was taking care of and they will issue me a balance I had before they terminate my account and i did receive the check from them but when I took it to the bank they said " the check is invalid '' and they could n't give any explanation as to why. I called the customer service and they said " there is nothing we can do '' they left me with anger and disappointment. This is the most unprofessional bank I have ever seen. None of them could resolve the issue I have with them. It 's my money and they told me that I had a balance that needs to be given to me but they still have n't returned my money. What kind of bank disappoint some one who has been a customer over XXXX years?
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2023 I received a report from all XXXX credit bureaus stating SENSIBLE AUTO placed my account into Collections. 
On XX/XX/2023 I Disputed with all three Credit bureaus regarding XXXX XXXX. For starters XXXX XXXX illegally sent my account to collections months before the legal requirement of 180 days. As well as filed and sent me a copy of Form 1099C Cancellation of debt under code [ G ] signifying that all debt has been paid In Full. I sent this evidence to all XXXX Credit Bureau and they only changed the status from Collection to Paid In Full/After Charge off. 
I also noticed that the new reportings from the bureaus all had different last payment dates. 
XX/XX/2023 I Disputed again that this account should be closed and Paid in full and not a charge off or collection, and this time the reports status said Open and comments read late on no more then two payments past due. And the last payment made disappeared. 
I then contacted the bureaus and expressed to them that this is a form of Tax fraud from XXXX XXXX because they tried to charge off the car after filing a 1099c to cancel 100 percent of the debt and then try to send me to a collection agency to get more money out of me on top of trying to illegally repossessing my car. I have alerted the IRS of this matter as well.
Consumer complaint received 2021-01-25
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: Experian Information Solutions Inc. (CA)

I recently challenge experian to ask the debit for true accuracy, In which They state to be true accuracy. As Ive been in dispute with them for several months. I am submitting documents that they provide to me in XXXX the address that they state that is accurate is proof of validity to EXPERIAN was inaccurate ; Under the FCRA is a federal law. And violated in reporting false accuracy and Experian allowed this Company to damage my credit. As I stated in the dispute Ive also challenged other credit bureaus and have delete it from my credit for the lack of accurate information. They could not provide. I did that same to Experian, and it refuse to investigate and still allow XXXX Consumer a to violate the FCRA. If EXPERIAN still believe this company is being accurate. Here is a letter they send out to me with a different address in attachment of an address that has never belong to me. As They forward it to my new address and stated retaliating me to pay off the debt. EXPERIAN a allowed them to get personal information and violate the consumer privacy act. I am asking again to Please delete this from my credit report as other have done and protect my information from being in the black web and allowing this company to report false accuracy to Experience. Thank you
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I have over {$1.00} XXXX tied up on coin base exchange. XX/XX/XXXX my password was suddenly not working. I tried to contact coin base but there is no phone support and when you email them you just got an automated response. The only available phone number allows you to lock your account for security reasons which I did. That was also automated. Once I locked my account it said it would take XXXX to XXXX business days for a representative to review it. 
It has now been just about a month I have no access to my funds and no way of contacting anyone at coinbase. I have read on XXXX that many many many people are experiencing the same issue. Client base charges 2 % for every transaction they do and they are doing billions of dollars worth of transactions yet they can not hire a support staff to even answer emails let alone have an open telephone line. I believe this borders on fraud and their site is greatly miss leading to the public. I am not alone in this but I have a huge sum of money but I have no access to. It is causing me emotional distress and financial hardship. I went as far as to try to email the CEO on XXXX of course I got no response just like the rest of the company. Feels like a sham smells like a sham
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mitchell Rubenstein & Associates, P.C. (MD)

XXXX hired XXXX XXXX XXXX of Mitchel Rubinstein and Associates to collect a debt. We had an agreement post judgement. I paid the debt and now he is asking for money for his cost. I have asked for a itemized list, notice of his cost, which he can not provide. Second, we had a agreement and he has not given notice of satisfaction for the debt being paid.
Consumer complaint received 2022-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (MD)

Last Friday, XX/XX/2022, I received a phone called. The person said that they were with Dept. of Education and that I qualified for student loan forgiveness. Now, normally since I have an XXXX those type of phone calls comes up as " Scam Likely '' on the called ID. Also, I've received a phone call a couple of years ago and went through something similar. During that time, I was told that third party companies ARE NOT with Dept. of Education, so when I received this phone call stating that they WERE with Dept. of Education, I thought it was legit. They asked me a few questions and I answered. They then gave me a user name login for FSA and asked me to recite the code received to my phone. I thought it was weird, but I gave it to them anyway. Then, they transferred me over to another representative. As I'm on hold, I googled ways to know if I'm being scammed via FSA. And on the site it clearly states that Dept. of Education will not ask for your password and that if they had that information they could use it to sign documents without me knowing. So, when the new representative came on the phone, I asked him again if they were with Dept. of Education and he said no. So, I hung up. I didn't give them any payment information or paid any fee of any sort. But they did have my login information. I immediately changed my username and password and called my loan provider. That person stated that that's all I could at the time and that I was good. I received an email from Dept. of Education today, XX/XX/2022, about suspicious activity about a third party on my account. I called Nelnet again and they stated they don't see anything new or suspicious on their end, but to change my password just in case ( which I did ). I called FSA and the representatives told me that they don't see anything new or suspicious on my account either. But they did inform me to file a complaint here to have you all look into fraud or anything new for the future. I've also removed any saved payment account on Nelnet to ensure that these third party companies will not take any payments from me.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

Everyday since XX/XX/2021 I have been called over 4 times a day by Midland Credit. The calls begin promptly at XXXX when I am taking my child to school to continue through out the day. I have blocked them every time but they spoof their number and keep getting through. I have asked them to no longer contact me.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I applied for a loan modification from Owcen. It came back with the same amount. They called it a XXXX but did not consider that the verified income of XXXX would have a XXXX payment of XXXX .hey came back twice with a payment of XXXX which is 49 % of my income. This dooms me to losing my home. I have been working on this since XXXX 2016.
Consumer complaint received 2019-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX credit consumer reports : Dispute : Capital One Auto Finance I have reached out to both Capital ONE and the credit reporting agencies for the past two years. I am a victim of identity theft. There has been a police report filed regarding someone purchasing a car in my name. I now have a freeze on my social security to alert me when my credit or name is being used as well as a pin assigned each tax season. All of this was provided to capitol one with no resolution. I cooperated with their investigation team and got no help with removing this. It was charged off .Eventually I able to have one Credit agency remove it from my report however I am having to re dispute this with each agency. I have attached proof of all vehicles ever registered in my name as well as proof of the credit agency removing it from their system. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

It was a Cell phone bill owed to XXXX. However the amount of {$450.00} was paid in full to XXXX with a XXXX balance prior to going in to collection. Collection Agency, DIVERSIFIED CONSULTANTS keeps calling and demanding to still collect debt. They still have collection account on my XXXX and XXXX files. i demand that this company stops calling me and remove the item from my XXXX and XXXX credit report immediately. i do have proof of payment on the account with a XXXX balance attached.
Consumer complaint received 2022-01-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Driver Holdings, LLC (FL)

This is a company called Driver Solutions Inc. They are a company that sponsors XXXX students to get loans to complete XXXX XXXX. 

I was making payments on my loan while I was working. I no longer have a job and I am struggling to keep a roof over my head and food on the table. They have been made aware that I do not have employment and I can not afford to make payments. 

They still want a loan payment no matter what. 

Part of the reason that I can not get a job is that the first company I drove for called XXXX XXXX won't answer the phone for prospective employers to verify that I worked there. XXXX XXXX is the company that linked me to Driver Solutions. Thus leaving me without a job and harassing phone calls. 

They repeatedly call me ALL DAY LONG. They leave voice-mail after voice-mail after voice-mail... .and now They have started calling the emergency contact numbers from my file. So not only are they calling me multiple times a day but now they are calling my emergency contacts multiple times a day. 

My emergency contacts are listed in case of AN EMERGENCY. I've gotten several panic phone calls with people wanting to know if I am ok because these people keep calling them. 

This is harassment for money. It's stressful enough not knowing where my next meal is coming from but now this company harassing me about money I can't give them. I can't give them money because I can't get a driving job due to their co-company not answering the phone.
Consumer complaint received 2024-02-21
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Equifax and XXXX is violating my rights I did not give written permission to report this on my credit report Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

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.
Consumer complaint received 2022-07-19
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. (FL)

XXXX XXXX # XXXX {$260.00} XXXX XXXX  # XXXX {$3500.00} XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX # XXXX {$75.00} XXXX XXXX  # XXXX {$380.00} XXXX XXXX XXXX XXXX # XXXX {$7100.00} XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to obtain my personal information to get credit accounts. I have no knowledge of these companies and whom may have used my personal information to obtain these accounts.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2022-07-19
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. (FL)

XXXX XXXX # XXXX {$260.00} XXXX XXXX  # XXXX {$3500.00} XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX  # XXXX {$75.00} XXXX XXXX # XXXX {$380.00} XXXX XXXX XXXX XXXX # XXXX {$7100.00} XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not authorize these companies to obtain my personal information to get credit accounts. I have no knowledge of these companies and whom may have used my personal information to obtain these accounts.
Consumer complaint received 2023-04-03
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 XXXX XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Army and Air Force Exchange Service (CA)

On XX/XX/XXXX Black Friday I purchased a promotional television for 24 months 0 % interest. When I receive my statement on XX/XX/XXXX ( 60 days later ) the company began to charge interest on the purchase. On XX/XX/XXXX I reached out to the company to complain of the interest rate increase. On XX/XX/XXXX I was told that I had 60 days to make a written statement from the time I made the purchase. When I counted the number of days from the time I purchase the TV till the time the statement came out it was exactly 60 days, which left me no time for recourse on this issue.
Consumer complaint received 2022-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (TX)

I did not apply for a loan. I had never heard of them or had and contact with them in any way. Tower loan supposedly sent a live check in the mail for over {$4000.00} in my name. Someone cashed it at XXXX XXXX XXXX. They want me to sign a fraud affidavit with them and have aggressively called me 100s of times but considering what has already happened I do not trust them. I feel what they have do is highly illegal and it now shows up on my credit report.