davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Dovenmuehle Mortgage, Inc. (FL)

DOVENMUEHLE MORTGAGE fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). DOVENMUEHLE MORTGAGE is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Dovenmuehle Mortgage, Inc. (FL)

DOVENMUEHLE MORTGAGE fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). DOVENMUEHLE MORTGAGE is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX Consumer Reporting Agencies by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-03-12
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. (AZ)

Company failed to investigate dispute properly when opening a dispute transunion closed the dispute same day and places a status of dispute results ready with no obceatigtoon done I have requested an investigation into late payments being reported on my account for the past year from XXXX XXXX XXXX I provided to transunion paid receipt provided from the creditor as proof the payments are not late and they fail to provide proof they are late or correct the account to reflect on time for all months.
Consumer complaint received 2024-03-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (ME)

The company had approved my loan and deposited the money in my account before my final approval of looking over the payment schedule and the interest rate that was to be charged. Even 50 % interest I would accept. 685 % is completely inappropriate and is criminal. I wouldnt have accepted this if I knew the interest was that high.
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NJ)

I checked on my XXXX account after receiving notification that my credit score dropped a lot. I saw there was a collections agency called IC Systems Inc trying to collect on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account owes {$2900.00}. I filed a complaint via XXXX XXXX XXXX and now have a credit lock and identify fraud alert on my account. I do not know what this account is and I do not have my own XXXX account. There is also a Georgia address attached to this account that is also being removed. I have tried to call the debt collections agency several times and no one picks up.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OH)

Correction to last complaint filed on XX/XX/24 at approximately XXXXXXXX XXXX XXXX 
*CORRECTED DATES BELOW* I still have not received all of my interest owed from XXXX thru XXXX. My check, containing all of Savings, checking funds and interest was supposed to be delivered by XXXX on XXXX, however, the check didn't arrive until XXXX. The XXXX XXXX XXXX ( lady ) from Citibank in Texas confirmed this with me on XXXX. As a result, I lost 15 days worth of interest on my money they held up in error for two ( 2 ) months. They cost me interest as a result of their actions.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MI)

Subject : Dispute Regarding Refusal to Delete Negative Charge Off After Receipt of 1099-C Form Dear Sir/Madam, I am writing to dispute the refusal of XXXX to delete a negative charge off from my credit report, despite the receipt of a 1099-C form from Discover Bank indicating the discharge of the debt. 

On XX/XX/year>, I received a 1099-C form from Discover Bank XXXX which clearly indicates the discharge of the debt associated with account [ # XXXX ]. As per the guidelines set forth by the Internal Revenue Service ( IRS ), the issuance of a 1099-C form signifies that the debt has been canceled, forgiven, or discharged. Therefore, it is imperative that XXXX  updates my credit report accordingly. 

Despite the receipt of this 1099-C form, XXXX has refused to delete the negative charge off from my credit report. This refusal to update my credit report with the accurate and current information is not only misleading but also in violation of the Fair Credit Reporting Act ( FCRA ). 

I request that XXXX takes immediate action to rectify this situation by : XXXX. Deleting the negative charge off associated with account [ # XXXX ] from my credit report. 
XXXX. Updating my credit report to reflect the accurate and status of the discharged debt as indicated by the 1099-C form from Discover Bank. 
XXXX. Providing written confirmation of the deletion of the negative charge off and the update to my credit report. 

I have attached a copy of the 1099-C form for your reference and verification. I trust that XXXX will handle this matter with the utmost urgency and professionalism. I expect a prompt resolution to this dispute and the removal of the inaccurate information from my credit report.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

I made a wire transfer to my personal account at XXXX  XXXX XXXX from XXXX. on XX/XX/XXXX Unfortunately for me I was unaware XXXX uses JP Morgan bank for wire transfers. JP Morgan is known to discriminate against people of certain ethnicities and religious belief ( based off names ). I have had this happen XXXX more than a few times that my wire transfers are held up for extended period of time while they continue to ask questions ( name, SSN, address and citizenship status ) then they start asking for paper work so this time I opted to cancel the wire as I didnt want go through this again and asked XXXX to cancel the wire and return the money. JP Morgan continues to hold the funds and does not release it back to XXXX despite it being well over what the allowed limit is ( 2 days ). in XX/XX/XXXX I decided to sell my car and the buyer was an American but same ethnic descent as me and he decided to use JP Morgan to send me the wire. Same process they kept asking the same information over and over again ( name, SSN, Citizenship status ) so after 10 days of waiting we asked them to cancel the wire and send the money back. it took them 11 more days just to return the money. I think JP Morgan needs to stop this discrimination solely based on your name and your religious belief. Holding someones money for extended periods of time is extremely unfair, unjust, discrimination and also unlawful.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OH)

I still have not received all of my interest owed from XXXX thru XXXX. My check, containing all of Savings, Checking and Interest Funds owed, was supposed to be delivered by XXXX on XXXX, however, the check didn't arrive until XXXX. The Executive Team Assistant ( lady ) from Citibank in Texas confirmed this with me on XXXX. As a result, I lost 15 days worth of interest on my money they held up in error for two ( 2 ) months. They cost me interest as a result of their actions.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IL)

2 CREDIT CARDS, 2 Checking Accounts including my XXXX year old Daughters College Checking account were cancelled zero reason given zero notification by XXXX XXXX XXXX ; and BMO HARRIS NA HAS FROZEN MY NEW CHECKING ACCT. 

SO MY COMPLAINT IS AGAINST BOTH BANKS. 
My credit score is XXXX ; The one checking account I had since XXXX / 43 years!! When it was XXXX XXXX XXXX XXXX XXXX XXXX IL, then XXXX XXXX then XXXX 43 years. Same account ; I had over XXXX $ XXXX in the account in good standing with the Bank, I never {$1.00} of CC INTEREST IN 43 YEARS! l this is WRONG Have you guys READ SOME OF THE OTHER XXXX COMPLAINTS? 
3 OF THEM I ATTACHED FOR YOU BUT THERE ARE Hundreds like them ) ABOUT XXXX XXXX XXXX ON YOUR OWN WEBSITE XXXX ITS APPALLING!!! XXXX should be FINED. I closed the account ( they forced me to do so in person with XXXX XXXX XXXX of XXXX his info attached ) with {$20000.00} and my money has been Frozen by the Bank ; I HAVE NO ACCESS TO MY MONEY FOR 16 Days now Since XXXX, XXXX. I NEED ACCESS TO MY MONEY I HAVE BILLS TO PAY ; Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

During my 3rd transfer through moneygram, the finances was taken from my financial institution but was not delivered at the time that was given. I put in a complaint and was told that it would take 30 to 60 days of receiving a refund/or depositing finance in the receivers account, which that long time frame should be unexceptable for and company making money off of the consumer.
Consumer complaint received 2024-03-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (OR)

XXXX XXXX XXXX : XX/XX/XXXX LAST XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Wells Fargo Dealer XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Subject : Opt-Out Request under 15 U.S.C. 6802 Dear WELLS FARGO DEALER SVCS, I am writing to formally request that WELLS FARGO DEALER SVCS cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as outlined under 15 U.S.C. 6802.

As a consumer, I am well aware of my rights to privacy and the protection of my personal information under federal law. According to the provisions outlined in 15 U.S.C. 6802, financial institutions are required to adhere to strict guidelines regarding the disclosure of nonpublic personal information to third parties.

Upon review of my records, I have become aware that WELLS FARGO DEALER SVCS has been sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies without my explicit consent. This action is in direct violation of the regulations set forth in 15 U.S.C. 6802 and is unacceptable.

I hereby demand that WELLS FARGO DEALER SVCS immediately cease and desist from any further sharing or disclosure of my nonpublic personal information to non-affiliated third parties and consumer reporting agencies. Furthermore, I request confirmation in writing that such actions have ceased, along with the assurance that my personal information will be handled in accordance with federal law moving forward. 

Failure to comply with this request will leave me no choice but to pursue legal action to ensure the protection of my rights and the safeguarding of my personal information. 
Thank you for your prompt attention to this matter. I expect a response within XXXX  days of the receipt of this letter. 

Sincerely, XXXX, XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Account Managers, Inc. (WA)

This company orchestrated escalation directly contravenes the Fair Credit Reporting Act ( FCRA ), notably 15 U.S.C 1681. The provided list of accounts, specifically Grimm Collections ( XXXX  XXXX ), has been flagged for violating federally protected consumer rights to privacy under 15 U.S.C 1681 section 602 A. Furthermore, the company 's actions are inconsistent with the provisions outlined in 15 U.S.C 1681 section 604 A Section 2, prohibiting a consumer reporting agency from furnishing an account without written instructions. Additionally, 15 U.S.C 1681c ( a ) ( 5 ) Section specifies that a consumer reporting agency may not include any adverse information, except for records of convictions, that antedates the report by more than seven years. I have never done any business with this company and they DO NOT HAVE MY Written Instructions I HAVE MADE A POLICE REPORT THIS IS A OPEN ACCOUTN
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was trying to take my rent money out but since i used my card so much they think is fraud or scam but i told them it was me who was making the transactions And also asked them to change my phone number on the account and i dont have the old number thats connected with my bank card due to the fact that is already in thier system is been hard to get accsess for me to change my information on my portal
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am writing to file a formal complaint against Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX 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, in addition according to my rights under 15 USC 6804 financial institutions are required to safeguard and protect nonpublic information collected from consumers and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified Santander Consumer USA 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 Santander Consumer USA 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 Santander Consumer USA 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 Santander Consumer USA. 

Please feel free to contact me 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 privacy rights. 

I have reached out to the institutions in this complaint about my nonpublic information being shared to third parties as well as the consumer reporting agencies. I have opted out of having my information shared yet I have not received response nor have this information been removed from my report. Documentation to follow.
Consumer complaint received 2024-03-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TN)

I am being billed for a personal property tax for a state that I do not live in. 
I have contacted Kia to advise them that I bought the car in Missouri, but lived in Nevada. 
They continue to bill me for Missouri personal property tax, 2 years later. 
I have attempted to contact Kia customer service, they are unable to help. I have made an incident number complaint with no results, I have spoken to their collections department who continue to call. I sent all info proving I am registered in Nevada. 
No change! 
I have been physically to 3 dealerships and no one will help.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (NY)

I have a hard inquiry on my credit report from LightStream bank and it was supposed to be a soft credit pull. No where on their site or in their XXXX XXXX XXXX did it say that it would appear as a hard credit inquiry on my report. I never received the loan, nor did I get a reason why I got declined. Either way, I think its unfair for me to have a hard inquiry on my account from a bank that provided little to no clarity on the process. In addition to that, most alternative lending companies do soft credit pulls so you can see what rates you qualify for.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SC)

I called Credit control services Inc about being in collections. I observed this debt when I ran my most current credit report. I contacted the creditor and gave them my name, address, and DOB. The operator stated that the name was the same " XXXX XXXX '' but all the other identifiers were incorrect. Therefore, this account did not belong to me. Creditor verified it was not my debt. The collection is showing on my XXXX credit report but not showing on any other credit bureau.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received an email a few months ago that stated the account could not be open without further identification process from Bank of America. Upon calling them I learned that there was two checking accounts opened in my name with my Social Security that I was not aware about. I asked for documentation proving how this was opened in my name with my social, and what ID was used to use this. They could not provide any information besides telling me that the account would be closed due to identity fraud. I asked for documentations to be sent to my address so I can view everything and nothing was ever sent to me. I do not know if these accounts are still open or how they manage to open them without my consent, but still had my Social Security on file I have never banked with Bank of America. Ive had the same bank account for 16 years with XXXX so I am completely lost how they even had my information. After learning of this account, I called XXXX and they were able to put a credit lock on my name for a year, which I believe has expired.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (CA)

American Honda Finance XX/XX/XXXX {$630.00} Late Payment was Submitted XXXX Progress Credit Card XX/XX/XXXX, XX/XX/XXXX Late payment was submitted In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXXXXXX - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include- ( LIVE any report containing information solely as to transactions or experiences between the + consumer and the person making the report ; XXXX XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an XXXX open end consumer credit plan as late for purpose.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I have on 3 occasions reached out to XXXX, XXXX, AND EQUIFAX  and asked for them to investigate an item on my bureau. The item in Question is a XXXX  account # XXXX. They responded to me the first two times and the third time I didn't receive a response at all. My issue is that there are three separate date last active showing up for this account.This is a violation of FCRA because they are re-aging my account by almost a year. They say they have investigated. I have asked how and what method they used to investigate, and their answer is just " been verified ''. I need help on removing this information or getting it corrected.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Maximus Federal Services, Inc. (CA)

A student loan that isn't my is on record with the Department of Education, and my credit report. It was determined that The loan was a mistake or someone used my numbers to secure a loan. 
The Student Loan Department was suppose to send me paperwork clearing my record of this loan. It was never received. Whenever I inquire about the matter by call, they say they will call back or send paperwork. I've gotten either. 
Please assist me in getting this loan removed from. My record and my credit report. 
Thank you, XXXX