davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (MD)

In XXXX of 2019, I received a computerized voice mail to contact TD Auto Finance asap. I made the call since I had a prior automobile loan for which I co-signed for my son. Both my son and I thought the loan had been paid in full, as TD Auto Finance stopped taking their automatic deductions from my son 's bank account. When I called TD 's customer service department, I learned that they had not withdrawn the final payment, as it was a few pennies more than the payments they had been withdrawing. Apparently they do not auto debit the final payment as a result, but had failed to notify us with their 30 days ' prior notice letter. I received a notice from another creditor alerting me of a change on my credit score. When I looked at the alert, I discovered that TD Auto Finance had marked my and my son with 30, 60, 90 and 120 days late payments. 

Once TD recognized their internal error, they agreed to notify the credit bureau of the mistake. I waited 30 days but saw no change on my credit report. I contacted XXXX XXXX to dispute the late payments. I have since been advised by XXXX XXXX, that TD Auto Finance did not agree with my dispute.
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Comerica (CA)

I own a business and had an account with Comerica Bank for about a year. in XX/XX/XXXX I recived a certified letter from " XXXX XXXX XXXX '' from Comerica that on XX/XX/XXXX that my account will be closed and if I dont go in the bank and close it, he will. He did not provide any information as to why, and when I called them they said its their decision and they have decided to terminate our relationship. I own an ATM company, and on a monthly basis we write about 250 checks to pay our vendors. They issued this letter to us right after we had mailed out our vendor checks. We did our best calling our vendors to tell them to cash their checks as soon as they can to avoid checks being returned. On XX/XX/XXXX, I went into my local branch " Comerica Bank XXXX XXXX XXXX XXXX, Ca XXXX and spoke with the manager XXXX XXXX and closed my account. I made sure the account was at a XXXX balance. Couple of months later I get a letter from XXXX about being reported to them for unpaid fees. I called XXXX  and I was told that Comerica reported my business to them for some fees that had posted to my account after when it was closed. The total of the fees was {$520.00}. I researched this and found out that Comerica had tacked on overdraft fees from the time after when I closed my account per their request. I called Comerica to dispute this but they did not want to cooperate with me. By being reported to XXXX I can not open any new accounts with any other banks. I have tried and they say my business names needs to be removed before a new account can be opened. On XX/XX/XXXX I then called XXXX and just paid the {$520.00}. Although I do not believe I should pay for it, I still did just to be done with this. So the issue now is that although I paid in full the fees XXXX is telling me they can not remove my business their systme, and the removal request has to come from Comerica. So I then called Comerica and told them I need to be removed from XXXX  as I paid them their {$520.00}. After being transferred to many different people and departments, I got a hold of someone in " Corporate Quality Process Department '' XXXX and I was told that yes our account shows paid in full, however they will not remove me from XXXX. I am writing because I need help from being a victim of bad practice by Comerica Bank. Not only I paid the {$520.00} for which I dont believe I should have, now my business is reported to XXXX which is a negative mark and not allowing us to work with any other banks. My company has been in business since XX/XX/XXXX and we have never had any issues. I need help in getting my business removed from XXXX, and also I would like a refund for my {$520.00}. My business name is " XXXX XXXX XXXX '' and my XXXX is " ATMs Unlimited '' Address is XXXX XXXX XXXX XXXX, Ca XXXX. I am the owner of the business and my name is XXXX XXXX and my phone number is XXXX
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (NJ)

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

Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX  OF XXXX XXXX XXXX XXXX Account name : XXXX  OF XXXX XXXX XXXX Account name XXXX XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX  XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name XXXX XXXX, XXXX, & XXXX # XXXX Account name : XXXX XXXX  XXXX  # XXXX has violated my rights. 

These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 if information. Any other adverse item of Information, other than records of convictions of crimes which anecdotes 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 2022-10-10
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: Experian Information Solutions Inc. (MA)

In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX. 


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.
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Back in XXXX a credit card was opened back in my name. This card was used over the last 5 years without my knowledge until it closed in XXXX. I had no knowledge that my credit was being utilized. For years now my credit has been used wrongly and this one tops the charts. The debt for this capital one card is above XXXX. When the card was opened I didnt live at the address where the card was sent. I lived in XXXX. Ive tried to resolve this issue over the year and it has been quite hard to resolve. I simply just ask for the the signing agreement and statements from the beginning to understand what has happen however they have yet to show that to me.
Consumer complaint received 2021-04-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (GA)

date XX/XX/2019 tried to login and Bluebird by American Express website is offline. 
The site is down right now cant get food cant withdraw money or make purchases stranded with no way for me to transfer funds no action where taken when i called about issue customer service just keeps hanging up on me with no answers please help asap!! this unexceptionable
Consumer complaint received 2022-10-11
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)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. 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. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : Balance : {$2300.00} I'd appreciate it if you could update this reporting account as soon as feasible. Account should be rectified as soon as possible if you do not comply with the instructions.
Consumer complaint received 2022-10-11
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. (ID)

Account XXXX XXXXXXXX XXXXXXXX XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

PNC Bank has failed to provide disclosures to for a mortgage after repeated requests to obtain same from XXXX XXXX. The loan application was processed on XXXX XXXX and my credit reports were obtained from the XXXX credit reporting agencies. 

PNC Bank after XXXX weeks, appears to be acting in discriminatory manner.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (MD)

Okay so I disputed XXXX charges XXXX was XXXX dollars from XXXX, XXXX  one was XXXX dollars withdrawn and the XXXX  one was XXXX from XXXX. They had send me an email saying they can not honor my claim and give me back my money back because they think I made those XXXX purchases which I did not. They think I did it because I have my card with me and I had told them that my information was compromise that a hacker couldve got my information. Also this is my second time the bank is not giving me back my money. The first claim that they did not give me back my money was for XXXX for XXXX dollars
Consumer complaint received 2022-10-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TN)

Jefferson Capital System is the company that served me at my home on XX/XX/XXXX for the amount of XXXX. I have asked the company to provide the original sale contract allowing with my signatures or any supporting documents via postal mail. I was in a car accident in XX/XX/XXXX. The car was total out and my lawyers paid this debt in full on my behalf. I have since purchased a car from XXXX XXXX XXXX and have paid the second car off. I have paid some much into this company that I received a check back from the second payoff purchase. This company has damaged my credit by reporting this mistake and incorrect information.
Consumer complaint received 2022-12-03
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX, has violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-11
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. (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. I wrote to your company indicating my dispute of information in my credit report. I contacted the furnisher because I feel like the bureau is disregarding my efforts and so they agreed to UPDATE and REPAIR my account. Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX
Consumer complaint received 2019-07-31
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. (GA)

THE ACCOUNTS DISPUTED HAS BEEN HINDERING MY CREDIT AND I WOULD LIKE TO HAVE THOSE REMOVE BEFORE IT CAUSE MORE SERIOUS DAMAGE. PLEASE CONDUCT A REINVESTIGATION FOR THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT
Consumer complaint received 2018-07-02
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. (TN)

1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report.

2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, XXXX XXXX, and XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX chXXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX  XXXX XXXX   XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. XXXX was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, with a balance of {$2500.00}. XXXX XXXX XXXX, account number XXXX, with a balance of {$3100.00}. XXXX XXXX XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). Equifax Credit Bureau, XXXX XXXX, and XXXX XXXX XXXX had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).
Consumer complaint received 2022-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

I have XXXX as my mortgage servicing company. I was on the forbearance program due to unemployment/COVID 19. When my forbearance ended I was sent a loan modification packet, which I accepted, signed and notarized. Delivered to them on XX/XX/XXXX with XXXX tracking. They had apparently sent out another modification package to my address due to what they are claiming, unclear dates on the original docs.I never received the other modification package and was never notified by phone or by regular mail that there was an issue until today, XX/XX/XXXX when I was calling in to make my payment and wondering what was going on with the modification. I have been paying my mortgage as agreed with the new modification terms and conditions but XXXX has decided that they do not want to honor the original modification package anymore and want me to start the process all over again under new terms and conditions. I am looking to get any help I can but don't know where to turn.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions charged me XXXX in fees when I havent even went negative yet. Then wanted to give me a hard time about! Asked me well maam what do you want me to do?! I said GIVE ME MY MONEY! THATS WHAT I WANT YOU TO DO ABOUT IT! Then they proceeded to tell me, well I can only refund XXXX XXXX time only! Well I am sorry but this wasnt my fault. 

This has happened more than XXXX. I do remember getting a refund XXXX time. I dont fell like they should charge overdraft fees for every charge that is pending just the charges that you dont have enough money to cover.I have been with regions for a while now. I dont know how many times this has happened but I do know that this is the last time it was a large amount out overdraft charges at once. 

As you can see on the photo I had attached I had enough money in my account to cover all charges but the last one. So I feel like I should have only be charged XXXX fee. Instead of XXXX. This caused me to get farther behind on my bills and caused me a lot of stress. 

I am sure they owe me way more then that from over the years but I dont know how to go back and look it up.
Consumer complaint received 2019-07-31
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. (TX)

XXXX XXXX, acct number XXXX shows that I owe them {$840.00}. I dont know who this company is and have never done business with them please remove
Consumer complaint received 2019-07-31
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)

XXXX XXXX, acct number XXXX shows that I owe them {$840.00}. I dont know who this company is and have never done business with them please remove
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Mo Family Support Division is reporting on my credit file when in fact I have no contract, nor obligation to such debt. And no court order either, so I'm requesting physical documentation of such that bonds and binds me to this outrageous debt of {$36.00}, XXXX. 

Please remove / block this debt from my credit report.