davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
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: TD BANK US HOLDING COMPANY (NH)

On XX/XX/XXXX, I reported theft of XXXX from my td bank checking via secure message. In the morning, my account was intact with a balance of approx XXXX. When I landed at XXXX XXXX in the afternoon, account was closed, all online banking XXXX denied access, anything and everything to do with td bank was dead, frozen with the fraud dept, who I was told was the only place to deal with the problem, was closed for the day stranding me at XXXX XXXX for well over XXXX XXXX  until I lost my ability to think clearly and XXXX XXXX when I was rescued by the XXXX XXXX XXXX  and spent XXXX XXXX weeks in XXXX XXXX XXXX XXXX XXXX XXXX MA. It seems that td bank had charged off an unpaid overdraft amount from XXXX XXXX XXXX for XXXX some odd dollars and tether than take the funds when my balance was over XXXX XXXX as in XX/XX/XXXX, they cleaned me out of XXXX XXXX XXXX leaving me with a XXXX balance, XXXX disappeared and closed checking accounts, and XXXX new checking account none of which I could access or see online. I have XXXX deposited into td bank from my XXXX account every XXXX of the month and have been doing business with td for close to XXXX  years. I have paid over XXXX in fees to them over the years from my limited income. They give me no credit for repayment of the overdraft or the fees and won't even allow me a XXXX td fit loan even though I've proven my willingness to repay year aftter year. I fear that they'll take additional funds when my XXXX XXXX deposit comes but right now I don't even know if it'll be accepted as that account was closed before I could change the ssa info. I was threatened with police and trespassing for pointing out clear lies to a manager et one of their physical branches and I am over my wits end with them and this entire situation. They have no care or concern for the problems that they've caused me or why they chose to take the funds when it would XXXX  my account. They won't answer my questions or respond to my inquiries. I am asking that you please step in, remind td that I'm a permanently XXXX, XXXX  man who's paid them close to XXXX in undeserved fees and to treat me as a respectable, deserving customer avoiding their policies and procedures and using common sense and common decency to take care of the issues between them and me to stop this madness once and for all. They should be giving me XXXX XXXX not taking XXXX bucks and emptying my account. I appreciate any and all efforts that you may put into this matter. Thank you
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/23 XXXX XXXX XXXX and I made an agreement to settle a collection of {$1400.00} paid in full and removed from my credit report for {$1100.00}. I was promised that a letter would be sent to me stated those details. The collection agency reported that I only paid XXXX which has still left a balance of {$340.00} on my credit report. They also stated that I would receive a letter in ten days after the payment was approved. It is now XX/XX/23 ( 16 days ) and I did not receive the letter stating that this debt is resolved in full and would be deleted from my credit report. 

Under an investigation to XXXX and Transunion and XXXX. All companies are refusing to remove the existing amount in full from my credit report even after showing them the noted ( Conversation ) I have with XXXXXXXX XXXX XXXX
Consumer complaint received 2019-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery continues to contact me regarding a debt, that I have no recollection of and continues to report with the three major CB. I have filed several disputes asking for validation other than a bill from years ago. It seems as if they should have some type of signed contractual agreement entered into by me in order to continue their reporting and contacting me. According to Portfolio, they are attempting to collect XXXX for XXXX XXXX for a company called XXXX XXXX XXXX XXXX. I'm simply asking for proof that other than a bill from XX/XX/2012, ie a sign contract, just simple proof that it was actually an account that I am responsible for
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (OR)

My roommate paid me through cash app for his portion of the rent, and I have been attempting to cash it out ( {$650.00} ) for 2 weeks. I contacted cash app immediately upon getting an error that there was suspicious activity on my account.

I have spoke to them by phone, chat and email, and it has been more than the 10 days that the EFTA dictates for responding to these types of issues. I still have not been given an explanation or had my funds mad accessible. 
The funds were paid to me on XX/XX/XXXX. I attempted to withdraw the funds on the same day and got an error message. I initiated chat with support and described the issue on XX/XX/XXXX immediately following the message. I received a generic response saying that my issue had been escalated and that the department investigating the issue was only going to communicate by email. 
I received a request for feedback on how they handled my complaint on XX/XX/XXXX, but to date have not received any explanation or updates beyond that.
Consumer complaint received 2024-03-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (MN)

The collection company has marked my complaint as a duplicate problem without actually addressing the red flags that I have brought forth regarding the collection of the alleged debt. They are not taking accountability for their actions and refuse to address me directly regarding the very issues. Moving forward I am requesting the chain of assignment regarding the alleged debt, was their insurance on this alleged debt, do you actually have a license to collet in my state in regard to this alleged debt? I was not originally given the opportunity to dispute this alleged debt, and I was not given any disclosures regarding this alleged debt. Please also provide the certified tracking number with my name and signature proving that you mailed notice to me regarding this alleged debt. You are liable under 15 USC 1692k, 15 USC 1681s-2, 15 USC 1692d XXXX XXXX ), and 15 USC 1692c . Failure to provide accurate information will result in legal escalation. DO NOT ignore my request as collection agencies are responsible for providing information and explanation upon request. YOU CAN NOT JUST DO WHAT YOU WANT TO DO BECAUSE YOU THINK YOU CAN DO IT. There are repercussions. I have not received any of that information. Please provide a contractual agreement with my wet ink signature as well regarding this alleged debt.
Consumer complaint received 2023-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

XX/XX/XXXX i put in for a 2 month deferral ( for XXXX and XXXX ) with Hyundai Motor finance. They approved it and my next statement showed that i owed my regular monthly payment on {$470.00} on XX/XX/XXXX. At the beginning of XXXX i put in a credit dispute because Hyundai was reporting that my payments were behind. This is untrue because i had got the deferral and my account was current. I called Hyundai and they stated there is a glitch in the system and that they would fix it. I received my credit report dispute facts back and it stated that my account would be updated to reflect the correct status ( that i am current ). The other day on XX/XX/XXXX i received a call from Hyundai stating that i owe XXXX something to them. They said it was for " Late fees and return payment charges ''. IF this is true why did that not reflect on my account when i had the deferment so that i could pay them? Now they just threw the fees in there, never contacted me to advise me and they are saying i am late on my payments again. If i would have known about the fees i would have paid them when i didn't have a car payment for 2 months. I feel this is a wrong way to do business
Consumer complaint received 2019-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (KS)

I am being sent harassing debt collection letters from Aldous & Associates for a {$300.00} debt from XXXX XXXX. Previously {$150.00} They state in the letter that XXXX XXXX has developed an Amnesty program for deliquent debt. Which reduces the owed amount by {$150.00}. I have contacted XXXX XXXX and they have stated there is no such program of theirs. XXXX states they have no knowledge of my account anymore. 

I have not dealt with XXXX or its retailers in over 4 years. I have no outstanding debt with XXXX XXXX.
Consumer complaint received 2019-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ULRS, Inc. (SD)

On XX/XX/2018 I received a call from XXXX XXXX XXXX about a bill from XXXX. XXXX XXXX who represents XXXX had mailed a bill to my wife and I stating we owed {$880.00} to our address at that time. Since then we have changed addresses. My wife was wondering about the bill emailed XXXX XXXX of XXXX to find out what the charges were for. On XX/XX/2018 XXXX XXXX emailed my wife XXXX back that he would send a statement. This statement did not arrive until XX/XX/XXXX. XXXX XXXX had my wifes email address, work phone number, and cell phone number. XXXX XXXX neglected to let us know about a bill and sent it to collection. He had our address and since we didn't receive anything from Mr. XXXX we believed Mr. XXXX had made an error. XXXX XXXX XXXX had it on XX/XX/2018. Finally after 54 days I received a phone call from XXXX XXXX XXXX. Since they contacted me on XX/XX/2018 I have not received any correspondence from XXXX XXXX XXXX. XXXX XXXX XXXX had called and I had told the XXXX XXXX XXXX once about my present address. How many other people has this business turned people over for collections and not send anything out to people. This company I feel maybe deceiving others by their actions.
Consumer complaint received 2019-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (FL)

Hello I have been trying to resolve a matter with SOURCE RECEIVABLES MNG for Months. before this Company put this on my Credit Reports. this debt was disputed off my credit and Removed. Months later this Company purchased the debt from the original Collection Agency and then put it on my Credit reports. so I have been going back and forth trying to get this removed. its causing me stress and pain from getting approved for a Home. it was put on my reports XX/XX/2017. If I could get this removed, i would gladly appreciate it.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my numerous endeavor to tell Equifax 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. Pursuant to Section 605B of Fair Credit Reporting Act this unknown account must be deleted : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Hughes Acceptance Corporation (NC)

I noticed about 2 years ago that my vehicle loan was no longer reporting to my credit. I reached out to the company upon noticing and requested that it be fixed. They assured me it would be, and said to follow up next month as they report each month on the first. I XXXX XXXX XXXX XXXX so I agreed and understood. 

However, it was never resolved. I continued to follow up multiple times over the following year and a half until now, and at each follow up they would reiterate that everything appeared fine and should be fixed. The company did contact me via text on my personal phone however I gave explicit permission for them to do so. 

I have in the past 4 months frozen my credit, as the company requested that they could pull my credit to " ensure I was reading it correctly '' I denied this request, as I was reading my reports via the official websites, and forwarded pictures via text of my credit reports to the companies contact number I was given. 

I still have the texts and can provide those upon request. Their account notations seem to have the dates as they reference them whenever I call to reiterate my complaints each month.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed that I had 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 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. This account is also reporting inaccurate accross all 3 reporting agencies. Thanks.
Consumer complaint received 2018-04-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (NY)

XXXX XXXX has stopped reporting only to start a new report. While the age remains the same it still damaged my score 5 points and hasn't recovered. This is one of many harassment tactics that they have used which the FDCPA protects me from over the phone they have also claimed to be XXXX  themselves and refuse to be anything less than difficult and annoying. The harassment has occurred on every instance that I've called and includeds half hour hold times, repeatedly being put on hold, as well as unauthorized personnel asking me for vital information, repeating the same questions over and over again and just goes on.
Consumer complaint received 2023-04-02
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXXXXXX XXXXXXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

this is my name and my address that need to be on my credit report social seurity number XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX n.c XXXX/ XXXX/ this need to be on all credit reporting agencies
Consumer complaint received 2022-08-29
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. (PA)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-29
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. (NY)

Equifax has been reporting these student loans that I have been. Demanding them to remove. They have already violated millions of consumers rights and dishonored the FCRA. They did not exercise their grave responsibility, they were unfair and they were partial and did not respect my right to privacy. Congressional findings states that i have a right to privacy and i am demnding that it be respected. According to 15 usc 1681b ( a ) ( 2 ) permissable purpose, please show me where I have given written instructions for you to furnish or create this report. Please show me my signature and certifications from the furnishers. I never consented this report in the first place. Remove these accounts that attached immediately.
Consumer complaint received 2021-03-08
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX account # XXXX was removed from my 3 reports on XX/XX/2020 and place back on XX/XX/2020.
Consumer complaint received 2022-08-29
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: Affirm Holdings, Inc (CA)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account whhttps : //portal.consumerfinance.gov/consumer/s/login/ich was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX AFFIRM INC XXXX Balance : {$600.00}
Consumer complaint received 2022-08-29
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)

This is ridiculous! I have been disputing for the removal of the fraudulent items completely from my Credit File for already a long time and yet the Credit Bureaus have done nothing! I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and infomrmation that resulted due to identity theft. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 attached with my personal identifying documents and the IDTHEFT REPORT I received from the FTC. But despite all these efforts, it is clear that the Credit Bureaus have been slacking and ngeglected their duty with the FCRA. under the provisions of the FCRA section 605b, I need the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX - DEPT OF EDXXXX XXXX Balance {$1300.00} DEPT OF EDXXXX XXXX Balance {$3100.00} DEPT OF ED/XXXX XXXX Balance {$3800.00} DEPT OF ED/XXXX XXXX Balance {$9000.00} DEPT OF EDXXXX XXXX Balance {$3300.00} DEPT OF ED/XXXX XXXX Balance {$4900.00}
Consumer complaint received 2022-08-29
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. (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX