davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (TX)

I requested a 1-month extension for the payment due date of XX/XX/23 through the TD auto finance website. I was approved and paid just the finance charges due for XXXX. I then received an extension agreement form by mail which I signed and faxed to the number listed on the back of the form. I never once received any notification I was over 30-days past due for my auto loan until I attempted to make my XXXX payment. I called and made a {$260.00} payment for XXXX and the collection rep was unable to reach the extension dept to ask what happen to my extension due to they were unavailable, however, the collection rep confirmed it shows I was approved for the extension but the form I sent was not showing as received. Ive called several times during business hours and the collections dept has been unable to reach the extension dept. One of these reps sent an email to the extension team and and promised a call back by phone. I instead received an email from the extension team requesting I resend the form. I do not have a printer so I esigned the form and emailed it to the email provided. I then received an email that Td auto finance does not accept esignatures, this was not explained in the form instructions. This has been difficult trying to resolve as I cant speak to an actually person in the extension dept. I have confirmation the fax was received at the correct fax number and dont feel I should be penalized and marked 30 days late on my credit when I followed the original instructions provided, the company just lost the form.
Consumer complaint received 2024-08-31
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX account # XXXX
Consumer complaint received 2023-02-21
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. (GA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance XXXX {$3500.00} XXXX XXXX XXXX  XXXX Balance : - XXXX CARD Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance : {$94.00} XXXX - CARD SERVICE Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating XXXX  XXXX : XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2023-02-20
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. (GA)

ccordance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.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 Stat7es : 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 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Protection Association, L.P. (MO)

I received a notice due to a negative item on my credit report. I also recieved a bill from a debt-collecting agency ( CPA ) that stated I owed a bill for the amount of {$1500.00}. This was from XXXX which stated that I opened an account on XXXX XXXX in XXXX in 2014 at which I did not live. When I contacted XXXX they stated several times that my information had been purged out of the system but that the account had been opened with a passport by a woman. This was evidently not me or my account. No contact information for any managers or any persons that could address the situation was given by any of the employees at XXXX. The only way to get through is to call the automated system and explain your way through a new person every time. After being told I would be called back and not receiving any calls I have become very frustrated especially when I have found this on my credit report. Also in order to clear the matter I was told I needed a police report. The police officer told me I needed an affidavit from XXXX in order to file the report but I can not obtain that from XXXX nor can I contact anyone from the company to help me.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (MA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Chapter 7 Bankruptcy XXXX XXXX : XXXX Delete this account.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/year>, at approximately XXXX XXXX  EST, I received a call from XXXX XXXX ( Phone number on caller ID is XXXX ). During this call I was informed that a credit card application was submitted in my name, using my personal information, including the last four digits of my SS number. At this point she stated the correct four numbers. She then asked if I had applied for this card, to which I answered in the negative. I was informed that she would cancel the application and transfer me to the Consumer Financial Protection Bureau.

She gave me a case ID # which I was to give to CFPB. According to the caller, this was necessary because personal information from my credit scores had become public and steps needed to be taken to put this info back on a private status. Explaining that I was not comfortable with this process, I was informed that no personal information would be asked for. but I would be given steps to correct the situation.

The first question from the caller at the transferred call to CFPB was my first and last name. I said they should have this info already and hung up. Call returned immediately and same information was asked for. Person became angry and I requested that unless there was a kinder caller, that there should not be any return calls. No further calls were received. 
I am not sure if these circumstances are something that you are concerned with, but, I feel the need to report the situation as a possible scam and also in order prevent a possible scam future scam attempt on another elder and unsuspecting person. 
Please inform me if you are or are not interested in this report.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a claim with the CFPB against Bank of American, since it closed my company 's account almost 2 years ago and has not returned the funds. After 60 days, BOFA responds that it needs 30 more business days to respond to my claim and CFPB closes the case. In reality, there was no response from Bank of America, the case must remain open or open another asking them to respond positively or negatively, but to clearly say what happens with the return of the funds.
Consumer complaint received 2023-02-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc. (NM)

This attorney XXXX XXXX has bullied us that if we do not enter into an agreement with him for three times what the bank wanted in XXXX, so XXXX, for a debt of a third party, that he is going to sell my mother 's primary residence to investors for XXXX. Her property is worth XXXX and your loan was XXXX. so is the XXXX tip for Mr cooper or who, Besides this attorney sent us a letter and came face to face to us without disclosing that he is a debt collector and any information will be used to collect The issue is the debt is of a third person and his judgment is over 4 years old and for another person not in the title of my mom 's home.

Is uncolllectable and the tactics to recover form ore that the face value of the initial debt in XXXX is against fDCPA as abuse and more abusinve to charge her for the debt of another apparently Mr Cooper already made a " deal " with the revoked trust account by the state of Nm for not making annual reports, and saids has crafted a title but we did not get to see Because you hired him and he speaks for you mr cooper si responsible of the FDCPA tactics this person used.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERISAVE MORTGAGE CORPORATION (AL)

I received a " Statement of Credit Denial, Termination or Change '' from Amerisave Mortgage Corporation in XX/XX/year>. This is apparently in response to my on line rate quote requested in XXXX of 2024. Apparently, I was assigned a loan number referenced on the denial which was dated XXXX XXXX, 2024. However, I DID NOT apply nor consent to allow my credit to be reviewed. I contacted Amerisave via phone XX/XX/year> and was referred to their compliance department which I have courtesy copied this complaint. The notice issued by Amerisave was NOT in compliance with Fair Credit Reporting Act in that NO APPLICATION was every submitted, merely a rate quote request AND the untimely issuance of such notification was clearly not in compliance with the 30 specified response time as required by the statute. Thank you in advance for your consideration.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

I am writing to formally dispute the charge-off reported on my credit report related to the above-referenced car loan account. Upon reviewing my credit report, I noticed that this account has been marked as charged-off, which I believe is incorrect.

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically Section 1681a ( 3 ), I am exercising my right to dispute the accuracy of this information. Under 15 U.S.C. 1681a ( 3 ), you are required to ensure that all information furnished to consumer reporting agencies is accurate and complete. 

Additionally, under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, you are obligated to protect my financial privacy and maintain the confidentiality of my personal financial information. The GLBA mandates that you safeguard sensitive data and ensure it is not disclosed improperly. Given this responsibility, I request that you verify the accuracy of the reported charge-off and confirm that no unauthorized or erroneous information has been shared with credit reporting agencies.

Furthermore, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) requires that any adverse action taken against me, such as the charge-off of this account, be accompanied by a clear and detailed explanation. I am entitled to understand the reasons behind this charge-off and the steps I can take to address any discrepancies.

To assist in your investigation, I am requesting the following : 1. A complete payment history, including all payments made, missed, and the corresponding dates.

2. A detailed explanation of the charge-off, including the calculation of the balance owed at the time of ch

arge-off. 3. Copies of any written communication regarding the charge-off and any notices sent to me prior to this action. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you complete this investigation and inform me of the results within 30 days. If the information can not be verified, I request that it be promptly corrected or removed from my credit report. 

Please acknowledge receipt of this letter and confirm that you will be conducting the requested investigation. I look forward to resolving this matter as soon as possible. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, [ XXXX XXXX ] -- - This version of the letter integrates references to the Gramm-Leach-Bliley Act, emphasizing the importance of safeguarding your financial information and ensuring accurate reporting. Be sure to include any supporting documentation with your letter to strengthen your dispute.
Consumer complaint received 2016-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: The Regional Adjustment Bureau, Incorporated (NY)

The Regional Adjustment Bureau, out of XXXX, TN has apparently taken over a debt that is in dispute. In an attempt to collect on this bill, they have called me, my employer, my adult son, and who knows who else. I have asked them to stop. I told the collections agent that I am disputing the debt. He continues to harass and try various methods to collect. He told me that I HAD to talk to him, that I had to DEAL with it. I do n't even know what the charges are supposed to be for. I believe that it is from a XXXX account that I cancelled and XXXX continued to bill. I requested multiple times to have them send an explanation for the debt, so I could verify and document what it was for, but I have yet to receive it. I have disputed it on my credit report. I have 100 % on time payment record. There is no call for this kind of action. I would like it to stop.
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Torres Credit Services, Inc. (CA)

I have a a unverified account from Torres Credit Services # XXXX. I had previously disputed this account. I have never done business with Torres Credit Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Torres Credit Services provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date XXXX XXXX XXXX the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Torres Credit Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC (CA)

XXXX XXXX XXXX  sold our loan to XXXX  bank. Flagstar bank provided notice on XX/XX/XXXX that the transfer date was XX/XX/XXXX. I honestly just received this notice today which is XX/XX/XXXX. I just feel this is some very short notice as my payment was sent to XXXX  XXXX  automatically on XX/XX/XXXX. I believe they are to provide like 15 days notice. Just trying to hold them accountable.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I have called, emailed and written to Sam 's Club Card/Sychrony Bank in regard to the fraudulent charges made on my card. These charges were made by a lady by the name of XXXX XXXX XXXX. Prior to XXXX XXXX gaining access to my account I have never charged more than {$1000.00} on my Sam 's card as it is designated for grocery purchase only.

Due to identity theft, unauthorized use of two credit cards Sam 's Club Card/Sychrony Bank has decided to ignore my continued calls for them to go after the responsible party. I have even provided them with a police report with XXXX XXXX information. 
I have explained that I am not responsible for charges that I did not make or authorize, but they continue to ignore me.

Prior to this issue, I have been a good customer, never been late, failed to pay or pay short of the required amount. I contacted Sam 's Club Card/Sychrony Bank and asked for them to clear my credit, go after XXXX XXXX, restore my credit limit and reduce my interest rate, but they have refused to do any of what I have asked.

I have explained to them that I am retired, and I am not in financial distress or hardship. I assured them that I am committed to paying any debt I am responsible for, but this account has been infiltrated by another individual and if necessary, they should pursue criminal charges against her.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AL)

I was on medical leave, missed one credit card payment, XXXX late, to XXXX XXXX XXXX XXXX. As a result of that one error, a different card reduced my credit limit to the balance on the card, which was 50 % of the original limit. After that one did it, three more did it, reduced all limits to the balance on the card. Domino affect, bad credit rating, and a false report that says 'excessive spending maxing out cards. '' I did NOT spend the max, I didn't spend ANYTHING, but the cards all decreased the credit limits. Which then jacked all my interest rates.

The algorithms used to report are faulty. If you make ONE error, you should not be robbed and gouged by other companies.

What is the law that protects consumers from this faulty scoring, which says " over spending '' when the credit card companies caused the appearance, by lowering the limit to the balance on the account? One of the accounts had a {$15000.00} limit, I owed $ XXXX, they dropped the limit to $ XXXX, immediately making appear I'd been running around spending all the credit limits. 

HOW DO WE FIX THIS? I NEED HELP. I managed to make it through the pandemic and not declare bankruptcy, even though I was out of a job for a year, with proof of job search daily. when I DID get it a job it was at 50 % of my previous salary. And still, I managed to survive without being lazy, AND I got no help from taxes or any other government funding. 
THIS FAULTY ALGORITHM AND CREDIT CARD COMPANY FRAUD is even more destructive.