davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (PA)

My wife and I moved out of the XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX ) at lease termination date of XX/XX/year>. We provided a forwarding address and expected our security deposit monies to be sent within 30 days. After 30 days, we began requesting the security deposit monies returned and those requests went unanswered. After these same 30 days, no notice or communication was provided to indicate that we had any past due charges owed, and still no security deposit monies returned. Then on XX/XX/year>, the XXXX XXXX XXXX ( Parent company : XXXX XXXX XXXX XXXX XXXX XXXX ) sent our names to a debt collector ( I.Q. Data InternationalXXXXXXXX XXXX ) without ever communicating to us ( email or mail ) that any past due charges ever existed. In fact, no past due charges existed. 
We immediately appealed the total amount due ( {$270.00} ) with the debt collector. Within weeks after receiving our appeal, my wife 's name was sent to collections and now appears on all 3 credit bureaus and has lowered her credit score. In XXXX, a landlord has 30 days to either : refund any security deposits owed to a tenant, or, to provide that tenant a notice of any charges alleged to be owed. XXXX XXXX XXXX did not do either of these. In addition, without merit, and having just received our appeal, I.Q. Data Internation still sent my wife 's name to collections.
Consumer complaint received 2024-09-14
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX 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 States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (MI)

I am filing this complaint against TD Auto Finance for repeated violations, including inaccurate reporting to credit bureaus, wrongful account charge-off, negligence in their duty as a lien holder, and lack of response to my dispute. My vehicle was stolen, and I filed a claim with my insurance company, which deemed it a total loss. The title and keys were surrendered to the insurance company, meaning I no longer had possession of the vehicle. About 4 to 5 months later, the vehicle was recovered, and the towing company attempted to notify TD Auto Finance of its status. Despite proper notification, TD Auto Finance failed to respond, leading to the vehicle being sold off without their knowledge as a lien holder. This inaction reflects a significant oversight by TD Auto Finance. 

Despite their negligence in handling this matter as the lienholder, TD Auto Finance proceeded to report this account as charged off to credit bureaus. This action has resulted in severe damage to my credit score, causing me emotional distress and financial hardship. The reporting of inaccurate information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and constitutes an unfair practice. 

The Consumer Financial Protection Bureau ( CFPB ) recently ordered TD Bank, TD Auto Finances affiliate, to pay {$28.00} XXXX due to repeated instances of reporting inaccurate information to credit bureaus. The CFPB found that TD Bank shared false information, including delinquencies and inaccuracies about fraudulent accounts, with consumer reporting agencies and failed to correct it promptly, affecting tens of thousands of consumers.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hi Experian, I just received a copy of my credit today and I found this fraud credit card account opened without my knowledge. 
The account balance is inaccurate fraud and I never have this card in my possession and I should not be responsible for fraud account. 
This fraud credit card shall delete from my credit report. I was on the phone earlier with XXXX  XXXX fraud team and I was told that I have the right to have fraud account delete from my credit report. 

I would like to exercise my right and have this fraud account delete from my credit report.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (LA)

I saw a link online to open a new Citibank checking account and receive one of two bonuses : {$320.00} if I have {$3000.00} in direct deposits in 90 days, or {$450.00} if I have {$6000.00} in direct deposits in 90 days. That sounded like a good deal, so I proceeded to open the account. There was no further mention of the promotion, so I called Citibank twice the same night that I opened the account. Both times, I was told the promotion was attached. The second representative even read the description of the promotion to me! There was also a problem where the Citibank app was showing I was issued an ATM card and not a debit card, and the second representative supposedly fixed this. Today, I noticed the ATM card was still showing, so I called Citibank again. The representative today was able to see that a debit card was ordered. I also asked about the promotion. Imagine my shock when I was told not only was there no promotion attached, but that there was no way to attach it since the account was already opened. I elevated to a supervisor and was told the same thing. I believe this is unfair and needs to be reviewed, especially since I was told that the promotion was attached and the representative even read the description of the promotion to me last night. I was offered no option or alternative to get the promotion attached. I reviewed my web history and was able to trace back to where I visited the site for the promotion and then opened the account. Now, Citibank does not want to honor the promotion and is claiming it was never attached to my account and that there is no way to actually attach it. This is not right.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXX3 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I had a greenlight card with FNBO and when they stopped offering the card we now deal directly with FNBO, I called to ask why my payment suddenly jumped from XXXX to XXXX and was told that they now charge 3 % plus interest and fees and and finance charges or {$40.00}. My previous payemnts were 3 % as I calculated, I asked for the originaql terms and agreements from my first time using the card and they said they would send it.

I dont think that becuase they closed the cards for all Greenlight users they should double the fees due each month as minimum payment.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, XXXX and Trans Union respectively. 
XXXX ) The original creditor must delete the prior-payment history completely. 
XXXX ) A date certain must be stated as to when the credit tradeline can be removed. 
XXXX ) The charge-off status must be deleted permanently. 
All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

This goes against XXXX. I submitted a complaint through CFPB with claim number XXXX regarding XXXX 's total disregard and faulty processing of deferment applications recently. 

I applied for XXXXXXXX XXXX XXXX  XXXX discharge for several different federal student loans. My loans for this complaint are under XXXX ( the holder ). They were notified middle of XX/XX/year>. I called XXXX and spoke to XXXX ( XXXX XXXX ) on XX/XX/year> at XXXX. She confirmed XXXX received the discharge notice on XX/XX/year> and XXXX is processing the discharge approval at this time. This was also confirmed by a supervisor named XXXX, As of XX/XX/year>, XXXX still shows I have an application pending for an alternative repayment plan. XXXX still shows a current loan balance of {$110000.00} and a due date of XX/XX/year>. By looking at the XXXX  approval notice, under the XXXX XXXX XXXX for & XXXX the following XXXX holder names listed as NOT AVAILABLE is also Navient for {$6700.00} and {$4100.00} which is the total under XXXX 's ALL LOAN DETAIL summary for XXXX CONSOLIDATION total {$10000.00} and XXXX CONSOLIDATION totaling {$100.00}, XXXX. XXXX still is showing up on all XXXX credit bureaus as of XX/XX/year>. 

There should be XXXX reason as to why XXXX is still processing the XXXX  discharge approval notice sent and received by XX/XX/year>. 

Due to the recent lawsuit with CFPB and XXXX and the final discussion for XXXX to settle with their loan customers, I would like CFPB to notify XXXX  to process and report the XXXX  discharge approval immediately to all main credit bureaus including the smaller ones. 

attached is the following : XXXX. XXXX XXXX discharge approval dated XX/XX/year> XXXX. CFPB Complaint XXXX with responses XXXX. Navient account summary with notes of customer service regarding processing XXXX  XXXX. Navient account summary as of XX/XX/year> XXXX. XXXX all loan details as of XX/XX/year>
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$0.00}
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (NV)

The pay loan company after emailing them and trying to sort out what account. They reached my employer my employer was very upset about the harassment in addition to putting me in an uncomfortable position. They allegedly sent a payment plan but at the same time emailed my employer bullied peer pressured into a garnishment. My employer advised this is not the process without a writ. They sent me multiple emails and my employer without really trying to settlement negotiate any issue. This has now put a strain on me and my employer due to this uncomfortable issue. This all occurred XX/XX/2024 i also have. A voicemail with a threatened jury duty in order to get me to call them back. The message is saved on my phone as well.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX ' XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I am writing to file a formal complaint against BANK OF AMERICA 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, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified BANK OF AMERICA 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-affiliate 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 BANK OF AMERICA 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 breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that BANK OF AMERICA 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 of this investigation and any action taken to address the violations committed by BANK OF AMERICA.