davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NJ)

I went to TD Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX on XX/XX/XXXX ( Sunday ) to establish a Rental Deposit A/C ( Landlord & Tenant A/C ). Tenant 's check in {$3300.00} was deposited same day and a deposit slip provided to me before I left ( copy of bank 's account opening form with all the details and my signature is attached for reference ) On XX/XX/XXXX, after I have evicted the tenant not paying rent for 6 months, I went to the same TD Bank to close the rental deposit account and want to withdraw the deposit to compensate my rental loss. I was told that the rental deposit account was closed in XX/XX/XXXX after no activities for 6 months since account opening and they were unable to retrieve any history of this account. I was asked to request for a statement of this account to be mailed to me and then talk to the Branch Manager with the statement. Nothing was received so I went to the bank again on XX/XX/XXXX and meet the Manager, she was also unable to find anything ans request me to wait for her call after she investigate the case with the Back Office, nothing happened, so I called the Manager on XX/XX/XXXX and XX/XX/XXXX to follow the case. The Manager said they are unable to do anything without the deposit slip which I was unable to locate in my files. I raised the question to the Manager that who authorized the closing of the account without my signature and are they able to locate any record of the deposit made on XX/XX/XXXX or XX/XX/XXXX and where the fund goes after the check was cleared. 
The Manager was unable to give me an answer and keep asking me for the deposit slip and/or the check copy which I can not find. 
As far as I know, this kind of Rental Deposit A/C can not be closed without my authorization, but no one in the bank can tell what happened. 
I am requesting the Bureau to help that what I can do in order to get back the fund of {$3300.00} deposited by me to the bank.
Consumer complaint received 2024-03-21
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. (NY)

i have filed and disputed these accounts multiple times. Ihave uploaded documents to show that account is a corporate account and experian, and XXXX still say the accounts are verified. this has now become a civil liability for willful non compliance under 15 usc 1681n. this will be for both XXXX XXXX XXXXXXXX, as well as XXXX XXXX. XXXX also has an open status, which indicates I've received credit and still continuing getting credit. they have failed to provide me with the information I have requested and have lied on here with their statement. You have also received the second mailing, in which, XXXX never responded. This should be rem oved be of estoppel by silence law.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I recently looked at a copy of my credit report and notice several inaccuratcies on my account. This account is hurting my ability to obtain credit, it is my understanding that that you will investigate these items for me to insure accuracy, also It appears that you have turned this item into a charge off, this account has been paid full, please reflect this on my credit file. Here is the item I am asking for you to verify as accurate. Fair Credit Reporting Act- Public Law 91-506..Title VI Section 611.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TN)

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.In accordance with the Fair Credit Reporting act. 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 Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2020-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (FL)

I obtained a loan from Omni Financial ( Military Loan ) for {$4700.00}, I could not meet my obligation due to loss of employment. When I contacted Omni Financial to work out a payment plan or alternative agreement, Omni Financial refused to work with me. The maximum interest rate that Omni Financial advertise is " from single digits to 35.95 % ''. The loan was established XX/XX/XXXX & the term was for 25 months. As of XX/XX/XXXX Omni financial is reporting a balance of {$13000.00}. The balance increases every month as well as updates to the three major credit bureaus as a charge-off with multiple errors ( date of last payment, loan start date, original balance, date of last activity ). Omni did not prominently display a full and accurate schedule of interest rates and other charges, in order for me to justify & understand a 185 % increase from the original balance.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (IL)

In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that GM Financial had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. Reported nothing XX/XX/XXXX than reported me 60 days late in XX/XX/XXXX. I immediately contacted GM Financial to report that when I log into their payment system, it showed my account has having a balance due of { {$0.00} } The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. GM Financial customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. There are also articles online where GM Financial admits having issues with their payment system when they upgraded in XX/XX/XXXX. I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error. I want the late payment removed, this is affecting me purchasing my home
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-05-09
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-06
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)

XXXX XXXX XXXX XXXX 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 2018-09-05
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I reached out to XXXX to inform them that the account that they are reporting under my social is a result of identity theft. XXXX informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX  or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days. 
They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.
Consumer complaint received 2023-05-09
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-16
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: Experian Information Solutions Inc. (CA)

I hope you can help me. I have been sending disputes to the Credit bureau and I havent received a reply from them. This is really effecting me in purchasing a home. I dont understand why they arent doing their job.They are playing with people lifes and that not right. Please help with issuse I am having.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Ive been trying to get business funding but XXXX and Equifax have false information on my credit report Ive contact the company about this situation and sent them proof and still no change has happened. I lost over half a XXXX in business deals already and wants this fixed or removed asap. I will attach images and highlight to show wrong information on report.
Consumer complaint received 2023-05-09
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-09-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pacific Home Loans, Inc (WA)

On XX/XX/2018, and at least quarterly for the last two years, Pacific Home Loans Inc. will mail official looking documents that allude to being a part of the Department of Veterans ' Affairs or the recipient 's home state ( in my case, the State of Washington DSHS ). It claims to consolidate debt under a refinanced home loan. There is letterhead made to appear as either the State of Washington or the VA along with official looking Service Member ID numbers, reference IDs, and information about your current loan and lender. The company soliciting the refinanced loan is only mentioned in small print in obscure locations of the letter. There will be a unique web URL created in the letter and a phone number that is only referenced as a " VA Loan Specialist. '' This is a predatory loan company with no official ties to the VA or state government. Requests to be removed from mailing lists have been made by phone, email and USPS letter. None of the requests have been fulfilled.
Consumer complaint received 2023-05-09
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arnold Scott Harris, P.C. (AZ)

The number XXXX has been calling me everyday. It is the law office of Arnold Scott Harris. I called them on XX/XX/XXXX to inquire about the debt and confirmed that it wasnt mine. It alleged I had a ticket in the city of XXXX. I have not been to XXXX in the last five years. The representative informed me that they would correct this. They never did. They lied. They have relentlessly harassed me everyday and it is wrongfully impacting my credit score. I do not have this debt. They are trying to get money out of me I dont owe. They call 1-2 times a day. Because they havent stopped calling me I assume its a scam.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

From XXXX from now XXXX every mount XXXX $ from my checking account citibank XXXX transfered to my closed credit card citi advantage XXXX Every 3 mount the card which closed on XXXX sender me by check XXXX $
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

THESE INQUIRIES were not authorized. I was not protected and my privacy and medical records from third parties.

I understand that Hipaa does allow for limited information. I didnt give anyone permission to run my credit. Validation of debt is required, and it was not done. I asked for a copy of my signature with the creditor until the debt has been validated by me.

I have contacted the creditor and advised them to cease their illegal activity, but they have failed to comply or respond. I am requesting your help to resolve this issue with these inquiries from my credit report and send me validation
Consumer complaint received 2024-03-21
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2018-09-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AZ)

XXXX to present 2018 : Comenity bank has been harassing me daily. They use different phone numbers ( auto dialing ) and unknown numbers. I am to the point of having to change my number. They have been calling me multiple times a day almost getting me into car accidents because I spend a lot of time in my car. They have threatened to ruin my credit. They have left my personal information over my sibling 's voicemail regarding debt and threatening me on sibling 's voicemail. I called them and told them I was going to sue them because they released personal information about me and violated the banking privacy act. The woman on the phone told me that they " use different tactics to reach people '', I took this as them admitting they harass people and call people who are not involved and release private information. I want them held accountable for their actions. Based on research this is a common problem with Comenity Bank. They are violating banking policies and regulations. Giving out personal information to an unauthorized person is illegal. They said my sibling 's number was on file and I would NEVER put her number down as a back up number. I will be contacting the FTC as well. This financial institution should be fined. I am looking to file a lawsuit.