davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (SC)

This is the several times I've complained about being a victim of identity theft. You must remove the items that are opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please delete the following items : XXXX OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

Ive had PNC Bank for over 25 years, great company.. anyway.. a few years ago with a former job I had the XXXX app set up with my bank, its a credible cash advance app that takes the money back out when u get paid, technically you dont even have to tip them.. XXXX XXXX  was advertising them initially.. very credible.. anyway ... I never had issues with that app being able to put in my credentials to look into my balance/see if my paycheck went in/see if their charge went through also.. I got a different job and got that set up again.. and for some reason it keeps saying that my bank made a change that doesnt allow me to link my accounts? I contacted PNC, got transferred to a department more knowledgeable of this situation.. its not them apparently ... but the app says my only other chance is to contact you, cuz it could be you guys blocking immediate access for my own security.. please help
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NJ)

I have recently received a copy of my consumer reports and noticed that your company has disclosed nonpublic personal information to multiple nonaffiliated third parties such as the CRA 's. You have furnished my personal account information [ WELLS FARGO DEALER SVC XXXX # XXXX ] and [ WELLS FARGO BANK XXXX # XXXX ] to the consumer reporting agencies without considering disclosing to me first whether I wanted to have my account information shared or not. According to the Gramm Leach Bailey Act, Financial institutions are permitted to disclose to a consumer in writing or electronic form, that such information ( MY PRIVACY ) may be disclosed to such third parties ( CRA 'S ). After carefully reviewing our contract agreement I notice I have not received or signed any disclosure stating that I give your company permission to furnish my nonpublic personal information. See 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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.
Consumer complaint received 2022-07-18
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX  Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # 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.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 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WI)

I closed my credit card account, over the phone, on XX/XX/2020. I had a credit balance on my account of {$290.00}. 
When I had not received a check for the balance within the 7-14 days, I wrote to AT & T Universal Card/Citibank on XX/XX/2020 and requested reimbursement of my credit balance in the amount of {$290.00}. 
When I had not received my credit balance a month later, I again wrote to AT & T Universal Card/Citibank on XX/XX/2020 requesting my credit balance. 
On or about XX/XX/2020 I received the attached statement showing I had {$0.00} balance due and on XX/XX/XXXX : Stop Pay Reapply CK # XXXX. The statement also shows on XX/XX/XXXX : CREDIT REFUND AS REQUESTED. 
On XX/XX/2020 I received a letter from Citi thanking me for contacting their Customer Service Team. I do not know which instance, phone or mailed letter, they are referring to, but I am clearly getting mail from Citi yet I still have not received my check. 

All documents referenced above are attached in a single PDF file in reverse chronological order.
Consumer complaint received 2022-07-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Cumulus Funding LLC (CA)

Several issues have been identified on the data hosted at " XXXX XXXX', which is a domain leased from XXXX. 

XX/XX/22 - emailed XXXX in regards to XXXX errors, page errors, security threats on portal.hello.align.com, found a file in the page sources w names of individuals ( attached to this CFPB claim ) XX/XX/22 - emailed XXXX in following identification of potential security threats hosted on XXXX may follow up : XXXX given address from customer service/3rd party representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I submitted a dispute to Experian regarding a Public Record ( Bankruptcy ) on my credit report via certified mail on XX/XX/XXXX. The dispute is in reference to the following item : BANKRUPTCY CHAPTER XXXX-DISMISSED Filing Date XX/XX/XXXX Amount {$0.00} Reference Number XXXX Court Us bkpt ct nj XXXX Specifically I asked Experian to verify this information and show me how they had verified this information. 

They replied me on XX/XX/XXXX claiming that they verified this item based on information from a 3rd party, The 3rd party is not specified. Here is their response : US BANKRUPTCY COURT NEW JERSEY Public Record REF # XXXX .... 
The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I contacted the court in question and they informed me that they do not respond to verification requests by credit bureaus or 3rd parties.
Consumer complaint received 2023-03-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (NV)

I recently reviewed my credit and bank account. I was really mad to see that I have been a victim of identity theft. I found accounts That did not belong to me. This has been hurting me and my family on our financial journey please remove these fraudulently open accounts as soon as possible thank you!
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (GA)

Yes so Im having a problem with two banking institutions one is XXXXXXXX XXXX and XXXX current bank also known as XXXX XXXX 1.My complaint against XXXX XXXX is that fact that on XX/XX/XXXX I was realsed from XXXX and finally was able to obtain my personal belongings when I notice I had a lot of unauthorized activity on my account so I follow the basic steps and filled a dispute I provided them documents of me being in XXXX  during the time of the activity and all the documents they ask and was denied and was told no errror after providing them documents so I had to go through the merchant that seen and found the person info that stole my information and used my funds and told me I have to go through my bank to get my money back so I try contacting them again and inform them and they said they decision is final wich isnt fair cause there banks that give u the option to re file on top of that I provided documents so how was even denied and then they just closed my account down and gave me no reason behind it and its wrong and I need help retrieving the money owed to me Which is XX/XX/XXXX in the amount of {$2000.00} 2.My complaint with XXXXXXXX XXXXXXXX is that i had an issue where someone stole my personal identity information and gain access to my account and again I did the proper thing file a dispute and provided the information as told wich I did And they promised to give my funds back and they still havent give anyyhing or help out in no way and every time I call someone doesnt know what Im talking about but they owe me 0n XX/XX/XXXX in the amount of XXXX
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (VA)

This is a XXXX complaint. XXXX complaint was for XXXX and This is for Citibank. The total amount is {$36000.00}. 

I was involved in a scam where the company ( XXXX  ) where funds was eventually transferred to claims that it is a trading platform for trading crypto currency. 

The money was transferred from Citi bank to XXXX and then from XXXX to XXXXXXXX XXXX XXXX. 

XXXX  Intentionally gives wrong trade signals with excessive hedging and take away the funds pointing towards market changes. I still have there telephone number contacts at XXXX. 

I have approached Citi bank ( financial institution ) and have not received any response from them.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This Credit Bureau is reporting incorrect Bankruptcy Chapter XXXX to my credit report. The information is wrong and this file should be removed from my credit report. I tried to request this credit bureau SEVERAL times as the other credit bureaus cooperated very easily. This credit Bureau stated the Bankruptcy is verified as accurate and remains. I then contacted the US Bankruptcy Court and ask them what is being verified or what are they reporting to the credit bureaus. 

I have attached a letter from the US Bankruptcy Court agreeing the credit bureau 's information is incorrect and should be removed. The court stated in this letter, it's my right to request this credit bureau to remove this incorrect info from my report. 

I expect this credit bureau to remove this Bankruptcy XXXX file in 30 days, or my lawyer will request to handle this in court. My lawyer, the XXXXXXXX XXXX  XXXX and myself are waiting for your response, as we are ready to take legal actions is this is not removed within 30 days. 

I also have other supporting documents requesting this to be removed from my credit bureau, that the court attached. However, I am not going to include them, as it has my personal info on them and i do not wish to upload them for my own privacy.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

Fifth Third Bank allow an account to be open for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the Entity name printed on the checks was XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. There were two accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With the different entity names on the accounts and checks we believe that fraud, and money was being laundered through these accounts. 
When deposits were being made into account it was believed to be for the Entity XXXX   XXXX XXXX XXXX XXXX XXXX XXXX as checks were being written from this account for this entity. On XX/XX/XXXX I was notified that I was removed from the Fifth Third Bank accounts that was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, with being removed from the accounts we found out that the actual entity name on the account is actually the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This prompted us to check on the validity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a legal entity, and it was determined that XXXX  XXXX XXXX XXXX XXXX XXXX XXXX wasnt a legal entity. 
Since XX/XX/XXXX Fifth Third Bank has allowed funds to be deposited into accounts that does not belong. The Entity names for transactions such as deposits and Withdrawal were all completed under an entity name that did not exist at the time. According to all checks weve written, and all deposits made was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the Entity name on the account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All deposits were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but went into accounts with entity name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
All funds in account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be for the entity XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is now currently a valid entity
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I don't recall having a contractual relationship with this collection company. I am requesting to give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NJ)

I have recently received a copy of my consumer reports and noticed that your company has disclosed nonpublic personal information to multiple nonaffiliated third parties such as the CRA 's. You have furnished my personal account information [ WELLS FARGO DEALER SVC ACC # XXXX ] and [ WELLS FARGO BANK ACC # XXXX ] to the consumer reporting agencies without considering disclosing to me first whether I wanted to have my account information shared or not. According to the Gramm Leach Bailey Act, Financial institutions are permitted to disclose to a consumer in writing or electronic form, that such information ( MY PRIVACY ) may be disclosed to such third parties ( CRA 'S ). After carefully reviewing our contract agreement I notice I have not received or signed any disclosure stating that I give your company permission to furnish my nonpublic personal information. See 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Attempted to resolve an automation error via ACH which caused numerous automated fees and cascaded problems along with money theft from BOA. 

I have tried for the past 2 years to resolve the issue, the theft is obvious as the company has taken money out of my account, held it for 5 business days and put it back without consent. 

The money was CASH not a check or otherwise agreeable hold, it was automaton that stole my money and then made my checks or transactions fail in the time it took the money. 

I demand reimbursement and credit fix!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

In late XXXX or early XXXX, my student loans transferred from one loan servicer - Nelnet, to a new loan servicer - XXXX. However, after many disputes with credit bureau, XXXX, multiple calls to Nelnet, as well as XXXX and Dept of Education, my student loans are still showing open with a balance with Nelnet, which is incorrect. Both XXXX and XXXX are correctly reporting on my Nelnet accounts as " closed, transferred to another servicer '', but XXXX is having trouble confirming this with Nelnet. Due to this issue my student loan balance on my XXXX report is reflecting {$150000.00}, when the correct amount is only {$80000.00} in which I am currently making payment on. 

I've submitted disputes with XXXX, per Nelnet 's direction on the following dates, all resulting in the same result of the loans still showing open with balances : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - provided very detailed information, including a loan summary from my Nelnet account, showing a {$0.00} balance. 

As I already briefly mentioned, since late XXXX I have made countless calls to Nelnet, XXXX, Department of Education, and XXXX to try and resolve this issue. This is causing a hinderance in purchasing a home for my family.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

I asked the representative of XXXX XXXX XXXX who gave them authorization to have my personal information in their reports? He said that J.P. Morgan Chase gave that authorization for them to have my information.

So, those weekly deposits is the claim that they have my private information without my permission. This is a violation of my privacy, as shown in The Privacy Act of 1974, the right to Opt Out, using 15 USC 1681 ( b ) Permissable Purposes ; unfair credit reporting, shown in 15 USC 1681 ( a ) ( 1 ), and 15 USC 6802-6805 ; Obligations and Enforcement.
Consumer complaint received 2024-03-07
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TN)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.