davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

This is an alleged debt that doesnt belong to me. 

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2023 I started receiving emails from Bank of America stating they received my application and my account was approved. 

I have several accounts with Bank of America and was concerned. I called them immediately and they advised they can not see anything on their end. 

On XX/XX/2023 I received more emails stating my email address has been changed. I immediately went to a bank branch and they looked up the account and said there was a checking account opened in my name with my social security number, address and the email address was changed from my actual one to a different one. They told me that I needed to contact their fraud department. 

I contacted their fraud department on XX/XX/2023 and they advised they closed the account due to fraud. 

I have since been receiving debit cards in the mail and statements ( XX/XX/2023 ) which leads me to believe it hasn't been closed. I want this account closed. I have received nothing from Bank of America indicating it has been closed.
Consumer complaint received 2023-05-18
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. (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 XXXX XXXXE, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX, Account # XXXX, Account name : XXXX XXXX, Account XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account 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 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 2023-05-25
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. (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. 

Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or 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 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 
In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX Tel : XXXX ( XXXX ) Sir/Madam, I am writing to you to raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known under the name XXXX and I lost a total amount of : XXXX USD The details of transactions : XX/XX/2022 XXXX USD XX/XX/2022 XXXX USD XX/XX/2022 XXXX USD
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX from 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 1692b acquisition of location information by debt collectors.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tenaglia & Hunt, PA (VA)

TENAGLIA & HUNT, P.A. purchased a debt from XXXX XXXX XXXX that is in active dispute with the original creditor. I also sent a Non public personal information ( NPI ) opt out notice to the original creditor and they ignored it and released the XXXX including non public personal financial information ( PIFI ) to a third party. 
TENAGLIA & HUNT, P.A. also failed to comply with the Fair Debt Collections Practices Act in contacting me in attempt to collect the alleged debt.
Consumer complaint received 2023-05-18
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 NumberXXXX Account Name : XXXX  XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (CA)

Ive had an auto loan with TD Bank - TD Auto Finance since XX/XX/XXXX. On XX/XX/XXXX I paid off the loan and was told by TD they would send the lien release to the California DMV and I would receive the title in the mail. Its now XXXX and I still havent received the title. On XX/XX/XXXX I called the California DMV to inquire about the title. They informed me their system still shows a lien holder on my vehicle, but its not TD, its a company called XXXX. I dont know who XXXX XXXX, Ive never dealt with them, and I verified with TD they are not affiliated with them whatsoever. Later on XX/XX/XXXX I called TD to find out what was going on. They informed me that back in XX/XX/XXXX they mistakenly requested from the DMV to release the lien from their name to XXXX. They never communicated with me about their mistake or provided me any details whatsoever. I coincidentally found out yesterday and only because I called them. With this mistake, TD has failed in protecting my privacy and personally identifiable information by sending my title to the wrong person, and failed to inform me. This is a gross violation of my consumer rights. When I asked them when I would receive my title all they could XXXX as a solution was that they already contacted the DMV to request they put TD back as the lien holder so they can sign off on the lien release but they have no control over the DMV. This is their fault and havent taken ownership at all of their huge mistake. Its now been 7 months since I paid off my loan with them and because of their error, theyve put me in a severely high risk situation by having my title sent to this unaffiliated company instead of being sent to me.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WY)

I signed up for auto payment, which I had set up to pay the previous statement balance on the date due. My previous statement balance was {$1200.00}, and was due on XX/XX/23. I decided to manually pay it a few days prior, and on XX/XX/23, the full payment of {$1200.00} posted to my account, and the auto payment should have been cancelled. Auto payment did not successfully cancel, and they tried to take it out of my account again on the XXXX, but was returned because I had already made the payment, and I was hit with a {$30.00} return check fee. I contacted customer service right away, and they said I would get a refund for that fee, since auto payment should not have tried to go through. I waited a few days, and after not seeing a refund, I contacted them again, and this time I was told I needed to wait for it to be posted to my statement before I could get the refund. So I waited an entire month, and as soon as it posted to my statement, I reached out again, but this time I am told its a valid fee, and it will not be refunded. This was a mistake on their end since auto payment should not have gone through.
Consumer complaint received 2023-05-18
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. (CA)

Despite having submitted disputes for the accounts listed below to Experian, XXXX, and XXXX, I have not received any response from these credit bureaus concerning these accounts. This lack of response is a clear and willful violation of the laws governing financial credit reporting acts. 

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 To bring to your attention a matter of utmost importance regarding the negligence displayed by credit bureaus in removing unauthorized derogatory accounts from my credit reports. 

The absence of a response has hindered my ability to contest the accuracy of the information and investigate potential cases of identity theft. As a result, I have been prevented from mitigating the harm caused, which in turn has affected my capacity to engage in contractual agreements and conduct business.
Consumer complaint received 2023-11-01
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 2023-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Ygrene Energy Fund Inc. (CA)

I was consulted to apply for a home energy loan through Ygrene and later discovered there are no early pay off options, extremely high interest rate, lein on my home, inability to refinance or sell property until loan is paid off in full. They require me to pay all interest first over the entire course of the loan and I was unable to sell my house when market was high and was unable to refinance when interest rates were low. The solar company that urged me into accepting this program insisted that the entire monthly dues would also act as a complete write off on taxes and that it was better to accept the longest term offered. The full amount is not available to write off and Ive reached out after several other issues with this solar company ( XXXX XXXX ) about this issue and no response. Ive reached out to Ygrene and they gave me a pay off amount of the entire initial loan amount after 6 years! ..out of 15. There is a lawsuit ongoing against Ygrene by FTC and I have signed the paper and mailed back but I havent heard back from them or know what is going on but I need the lien lifted and to be made whole again. Thank you
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (CA)

I have a XXXX credit card with Comenity bank, I paid my balance in full by the due date, my online portal was showing a XXXX balance. 
The contact states that if balance not paid in full by due date they will charge interest. 

I paid it all in full on the due date, XXXX days after they charged me interest fee and late fee on the interest fee and another interest fee then another late fee. 

I called the company and they said no one can waive it even if balance was paid in full. 

Its breaching the contract
Consumer complaint received 2023-05-19
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. (GA)

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 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 XXXXXXXX has violated my rights. Or 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.
Consumer complaint received 2023-05-18
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. (NV)

Detailed below is the response I received regarding a dispute I filed on XX/XX/2023. 
I attached an identity theft report, my id and a statement, with that dispute. 

This letter excludes XXXX XXXX. XXXX XXXX has handled my issue like a pro. XXXX XXXX has been an outstanding help. Thank you. 

I would like to advise the credit reporting agencies ( Experian- spoke tto agent XXXX ( claims did not receive my documents despite the fact that I submitted it through the CFRA portal. Already in violation of U.S.CODE 1681C-2.. and XXXX ) that they are violating federal law. 
15 u.s. code 1681c-2 - block of information resulting from identity theft. 
a. block states that, a consumer reporting agency shall block the reporting of any information in the file of a consumer, no later than 4 business days after the date of receipt by such agency.

It has now been 14 days since submitting my dispute through the CFPB. 

Please be advised that if these accounts are not deleted promptly, I will be filing- Notice of Default opportunity to cure within the next 7 days.Thereafter, will be filing 1681N and or 1681O Civil liability for non compliance. 

I have no relation or transaction with these companies therefore must be deleted promptly. 
Below is the response I received and it is unacceptable. 

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