davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK (TN)

I'm sick of this bank I have proof of these transactions which I would upload I believe they are stealing taken my money you are charged for overdraft fee plus the money XXXX XXXX doy and XXXX was taken out my account where is the overdraft fee XXXX dollars where's the overdraft fee XXXX dollars where's the overdraft fee these are uneven amount I want my money I've complained and complained there should be recording of me calling and complaining and that money they responded with is just a throw off to suppose to satisfy me nope I want my money I opened the the first account in XXXX when it was first Tennessee they told me I didn't I got my first check in XXXX they told me I opened the account in XXXX this bank is full of liars and thieves my current balance never match my available balance I'm fed up where's my CD account
Consumer complaint received 2022-12-08
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. (CT)

Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$20000.00}.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (CT)

My complaint is with TD bank and misleading advertising regarding opening a savings account of a minimum {$10000.00} deposit leaving a balance of {$10000.00} for at least 90 days, after which I would be entitled to the {$200.00} bonus. I opened the account on XX/XX/2022 at the TD bank located at XXXX XXXX XXXX, XXXX, Connecticut. In XXXX, I called TD Bank and asked why I did not see the {$200.00} bonus in my account. I was told that it could take up to 180 days for the bonus to be posted to my account. I asked why it should take so long and XXXX XXXX XXXX  said that TD wanted to be sure people didnt open the XXXX Account XXXX and close the account after 90 days. I told them this was misleading advertising and TD Bank should state money should be left for 180 days, not 90 days in order to receive this {$200.00} promotion.
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

I sent a wire transfer of {$930.00} from my XXXX account to my XXXX account ( which uses Wells Fargo as their partner bank ) on XX/XX/XXXX at XXXX XXXX. I did not know of the maximum XXXX wire transfers a week rule, so this was the XXXX one and it was declined by XXXX on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX informed me that it actually declined the next day XX/XX/XXXX at XXXXXXXX XXXX and that within XXXX hours it would be sent back to the bank the wire originated from. That would put it sent back no later than Friday XX/XX/XXXX at XXXXXXXX XXXX, it never showed up. I talked to my XXXX bank first on Friday XX/XX/XXXX and again yesterday XX/XX/XXXX and they verified it had not been sent yet as of XX/XX/XXXX. They told me to ask XXXX for documentation showing they sent the wire back and XXXX refuses to provide me with this documentation. I've talked to numerous " customer support agents '' and none have helped me a bit. They just give me the same regurgitated information saying it will be sent back in XXXX hours, we are way past that now. I reached out to Wells Fargo customer service today XX/XX/XXXX and they were no help either. The lady kept cutting me off and asking me if I had a Wells Fargo account. I told her multiple times that this wire transfer was made via Wells Fargo, I used their routing number and my account number provided by XXXX. Neither XXXX nor Wells Fargo is assisting me in any manor to find out what is going on. I need a resolution on this ASAP!
Consumer complaint received 2023-09-12
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)

In 2017, I was the victim of a robbery in my house and I reported the theft of all material belongings ( television, computers, jewelry, money, among other things ) to the police and notified the theft of my credit and debit cards. However, accounts payable appeared and others went into collection and do not disappear from my credit report. The case was even taken to court and each time the judge ruled in my favor. because it is clearly evident that the credit cards were not in my possession at the time of the consumption. However, this history has not been removed from my credit report and they appear as closed accounts but with a debit amount. despite the fact that I sent them proof that none of those cards were in my possession at the time of the consumption, which also took place in different parts of the country on the same day.
Consumer complaint received 2023-09-12
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. (PA)

**Attention : TransUnion Dispute Department** Dear TransUnion Team, I am XXXX XXXX XXXX Upon reviewing my credit report, I found unauthorized inquiries that I neither initiated nor approved. 

I have reached out to the associated creditors and it appears that they do not have any documentation or evidence to suggest that I initiated or authorized these specific inquiries. It is concerning, as these entries were made without my explicit written or verbal consent. 

In light of these findings and in accordance with Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports, 15 U.S. Code 1681b, I respectfully request the immediate removal of the following unauthorized inquiries from my credit report : - XXXX XXXX XXXX  Date : XX/XX/XXXX - XXXX XXXX ( Finance ), Date : XX/XX/XXXX To ensure a prompt resolution to this matter, I have enclosed proof of my identity and my current address. I anticipate a timely response and expect an updated copy of my credit report reflecting the necessary corrections. 

I trust TransUnion will handle this matter with the urgency and seriousness it demands. Thank you in advance for your cooperation and understanding. 

Warm regards, XXXX XXXX
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

I received a notice in the mail regarding an alleged debt in XXXX of XXXX. I was told to respond by XXXX of XXXX in which I did. I asked the company to provide original information regarding the alleged debt, and currently in XXXX of XXXX I still have not received anything. In XX/XX/XXXX i tried to call the company and they claimed my account was holding pending documents I submitted. I still have not gotten an answer back. 

This company who sent the letter claimed to be collecting a debt for another company in which I contacted via phone in XXXX of XXXX because they were not licensed to collect a debt in California.
Consumer complaint received 2023-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (CO)

On Thursday, XX/XX/XXXX, I was contacted by phone by Wakefield & Associates about a supposed outstanding medical debt. The problems are, I hadn't had any medical treatments in the year for which they were attempting to collect, I have full health coverage ( so I would owe nothing if I HAD had any treatment ), and I check my credit frequently and have seen no outstanding debts. They also called my wife but I had told her about the scam so she ended the call quickly. I believe the business is fraudulently attempting to collect non-existent debts, and there are many XXXX reviews stating the same. 
The address for the business is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I have a car with USA auto servicing company and out of nowhere they shutdown and another company call Wes lake been calling saying that I havent paid my car note since XXXXXXXX XXXX which I did and west lake trying get money but want give me any information on whats going on
Consumer complaint received 2023-07-07
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: Self Financial Inc. (AZ)

I hope this message finds you well. I am reaching out regarding an issue with my Self Financial account, as reported on my credit report. 

The report shows one instance of a missed payment for this account. However, there are several months where no data is reported at all, leading to an inconsistent and potentially inaccurate record of this account 's standing.

According to the Fair Credit Reporting Act, all data reported on a credit report must be 100 % accurate. In this case, due to the inconsistencies and potential inaccuracies, it appears this standard has not been met.

These inconsistencies are negatively impacting my credit score. I respectfully request your assistance in rectifying this situation by removing this account from my credit report, due to its potentially inaccurate reporting. 

Thank you for your prompt attention to this important matter. 

Best regards, XXXX XXXX
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc. (MI)

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XX/XX/1970, 84 Stat. 1128. )
Consumer complaint received 2024-04-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (MA)

I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, is writing this letter on XX/XX/2024, to file a complaint against XXXXXXXX XXXX and Credit Management L.P file XXXX for reporting a collection on my credit report that I had already paid on XX/XX/2024. I have attached evidence of her payment and proof that I called the company on XX/XX/XXXX at XXXXXXXX XXXX. on phone number XXXX to make my final payment. I spoke to the representative, and he adjusted my bill since my services were disconnected, and I returned the final equipment a few days before. The employee from XXXX adjusted my bill to {$250.00} dollars and sent me a link to my phone to pay the bill, which I did. However, on XX/XX/2024, my credit score dropped XXXX points due to a collection, and after looking into it, I found out it was from XXXX XXXX, a bill that I paid on XX/XX/2024. I have an excellent payment history, and in the month of XX/XX/2024, I paid almost {$15000.00} on my credit card. Therefore, I am very upset that this affected my credit when I am preparing to purchase a home. I contacted XXXX XXXX, but they kept transferring me to different agents, and nobody gave me a direct answer. They left me waiting, but nobody could give me an answer since I was scammed by their own employee, and they can find out because they record their calls and track their calls. The company employee from XXXX XXXX was a scammer, and they needs this erased from her credit report and investigated since more people can become victims, and this issue is extremely stressful to be resolved. 

I, XXXX XXXX contacted the collection agency and asked them to remove the collection from my credit report, but they refused to do so. I believes that this is a violation of my rights under the Fair Credit Reporting Act. 

I am requesting that the Consumer Financial Protection Bureau or Federal Trade Commission investigate this matter and take appropriate action against the collection agency and the scam company. I would also like to request that the collection be removed from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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. (CT)

Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$20000.00}.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (SC)

I was solicited by Wells Fargo for a 'REFLECT XXXX  CARD '' offering 0 % intro APR on charges and balance transfers for 21 months and XXXX annual fee. After applying for, and receiving the credit card, the fine print states there is a {$5.00} or 3 % charge for each balance transfer. I believe this is false advertising. APR, by definition, includes all charges to obtain the credit ( loan ).
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello. There are two inquiries in my XXXX profile that doesnt belong to me or any product that I have. 


Inquiry information : Bank of America. XX/XX/2023 XXXX XXXX bank, XXXX XXXX I dont recognize those inquires
Consumer complaint received 2023-09-12
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: Experian Information Solutions Inc. (WI)

Subject : Dispute of Unauthorized Hard Credit Inquiries under the FCRA I am writing to formally dispute several unauthorized hard credit inquiries that have appeared on my credit report. These inquiries were made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

The unauthorized hard credit inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not authorized these inquiries, nor have I had any business or financial relationship with the listed creditors that would warrant such inquiries. According to the FCRA, a hard credit inquiry can only be made with the consumer 's consent or in connection with a legitimate business transaction initiated by the consumer.
Consumer complaint received 2023-09-12
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. (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.

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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NY)

On XX/XX/2024, Bank Affirm INC By the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2, which states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan may go late for any purpose.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AL)

In the recent years I have noticed service charges that I never use to encounter as As a wellsfargo customer, also have had some overdrafts that should not had occurred, and then had to pay overdraft fees for as well
Consumer complaint received 2022-12-08
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. (IN)

This is my 9th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2021 ; XXXX  XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$15000.00} ; XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX PL XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Equifax refuses to send a copy of my credit report with corrections. I have formally requested it, but it has not come. My request was delivered by certified mail on XX/XX/2023.