davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX I received a voicemail from a XXXX XXXX with XXXX XXXX that they were trying to collect on a debt. 
I returned the call on XX/XX/XXXX and explained to XXXX XXXX that the account at TD Bank was a result of identity theft, and that evidence of that was already provided to TD Bank. 
I also explained that since TD Bank had not removed it I had filed a CFPB complaint against them. 

On XX/XX/XXXX XXXX XXXX called my ex-daughter in law in Virginia, saying they are trying to get contact information for me, when in fact XXXX had already spoken with me. 

I don't know if or whom else that may have been speaking with.
Consumer complaint received 2021-03-04
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. (GA)

I have followed up with two Affidavit of Truth to try and bring this litigation to an end before going to court for defamation of character. My consumer rights are being violated.
Consumer complaint received 2017-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (MO)

First Progress Platinum Credit Card XXXX XXXX XXXX XXXX XXXX, TN XXXX I sent a Deposit of Cash for {$300.00} to open Credit Card Account. I closed this Account and they said I owed {$250.00} but they never Returned my Deposit of {$300.00}. First Progress owe me a Refund of {$46.00} with a XXXX Balance Owed Paid In Full. I want an Investigation as to why First Progress never applied my Cash Deposit of {$300.00} to Balance owed of {$250.00}. Waiting for your reply. XXXX XXXX XXXX Credit Card Number : XXXX
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Fifth Third bank has charged me on a credit card that I closed XX/XX/XXXX. I closed all of my accounts with them XX/XX/XXXX and switched banks. There was never an issue until XX/XX/XXXX when I noticed a late fee and outstanding balance of {$35.00} dollars affected my credit score negatively. I called fifth third and that said the issue was resolved and that it was a mistake and would not happen again. On XX/XX/XXXX they again charged me {$35.00} dollars for an outstanding late fee. On XX/XX/XXXX I submitted a dispute to XXXX and got the results on XX/XX/XXXX stating that Fifththird bank confirmed the charges to the credit bureau this negatively affecting my credit score.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

For the last 45 days, I have been reaching out to XXXX XXXXXXXX XXXX  regarding my account showing as closed on my credit reports. I have disputed the closed status several time with all credit agencies and also have reached out to XXXX XXXX XXXX to correct, and they continue to not update status as an open account. This information directly impact my credit score as I attempt to fix my credit scores.
Consumer complaint received 2023-01-23
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. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX {$1000.00} violation To Whom it XXXX concern : I, XXXX XXXX, consumer XXXX and natural person, am aware of all the rights that I have, and which are protected by The Congress of The Fair Credit Reporting Act ( FCRA ) .Im contacting you because XXXX, has violated my federally protected consumer rights to privacy and confidentiality and that you claimed to have completed a reasonable investigation with the furnisher of information and verified account listed below as 100 % accurate, However this account is still inaccurate and your company still continue to report errors on my credit profile and its been damaging my credit since XXXX XXXX XXXX. All three credit bureaus have inaccuracies. The account they have listed for XXXX isnt mine, inaccurate account numbers, inaccurate date opened, inaccurate balance, inaccurate last reported date, inaccurate last date active, and inaccurate date of last payment.I disputed this XXXX account several times and you failed to correct the errors each time. Now I want this XXXX account DELETED IMMEDIATELY! XXXX, illegally obtained person and private information under The Privacy Act of 1974 and 15 USC 1681 Sec 604a sec2 also states a consumer reporting agency can not furnish an account without my written instructions. I did not grant XXXX or XXXX permissible purpose to obtain the information then report, nor did the debtor. I havent been notified that my information is being provided to the highest bidders. I also request for XXXX account to be deleted as well for violations and unlaw acts according to the Family Educational Rights and Privacy Act -for students loans 16 CFR 6805 b- The will for non-compliance, As a consumer, and natural person I am invoking specified remedy and make the following demands : -Cease and Desist reporting of the account name filings to all consumer and reporting agencies -Remove reporting of the account name filings from all consumer reporting agencies. 
-Delete this account immediately no more investigations you reported these inaccuracies for three years now and none of documentary evidence was shown for what I requested. unless you want to be held for a {$1000.00} a violation and for damages as well. 
Ignoring this Cease and Desist will be evidence that the infringement, were willing, deceptive and in violation of the ( FCRA ) The Following accounts I wanted deleted below : XXXX : XXXX Not mine all info inaccurate delete immediately - {$1000.00} XXXX off federal protected consumer, XXXX XXXX
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: U.S. BANCORP (IA)

Friday XX/XX/XXXX I went into the us bank branch in XXXX iowa XXXX. I submitted a us currency bill in the ammount of XXXX XXXX in exchange for another bill which was not damaged. Theres 75 % of the XXXX XXXX bill and both federal stamps as well as the whole president 's face and a whole serial code number ( XXXX ) and this note is legal tender for all debts public and private is also visible and all is legible. I will attach a photo as well below to give you a better understanding. The man who was servicing me as the branch manager XXXX XXXX, was very rude to me and was trying to claim he could not accept the american currency in exchange for american currency due to his " professional opinion ''. I quickly spoke with corporate office and the woman I spoke to there said she would refund it if she was there but due to XXXX 's clouded judgment and his now " Professional '' opinion as a banking branch manager may infringe upon the fact of the evidence provided below. I was calm courteous and was insistent that he accepted the bill due to federal law. As well as the circumstances provided. Thank you for reading I look forward to hearing from you and them. This legal tendered note is not deemed nonrefundable. It falls under qualifications of being redeemable to a financial institution.
Consumer complaint received 2020-08-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

Mailed the Repossession Deficiency Letter to XXXX & Auto Now NEARLY OVER 2 MONTHS AGO. ILLEGALLY Repo my  car In Wisconsin. 

Lender can not repossess your vehicle unless it mails you a written notice stating that they are going to repossess, and informing you of your right to object to the repossession within 15 days. Wisconsin Stat. 425.205 ( 1g ). 

The lender can not repossess during the 15 days after its notice to you. If it does, the penalties are heavy. The Wisconsin Consumer Act provides that the consumer is entitled to a waiver of their entire loan balance, and repayment of all money already paid on the contract. Wisconsin Stat. 425.206 ( 3 ) and 425.305 I Never Received ANY NOTICES SO PLEASE  REMOVED THIS ACCOUNT ON MY XXXX REPORT I WILL BE FORCED TO PRESS CHARGES.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Previous Complaint : I noticed inaccurate information on my consumer report and requested an investigation into these items, but never received a response and it is to my knowledge that I should receive a response within 30 days. I submitted my initial request on XX/XX/2021 and today is XX/XX/2021, which makes it the 31st day, so I am demanding per the FCRA that these inaccurate items be removed. I've attached the original documents and will be attaching my Demand to Comply letter as well. 

New complaint : I've submitted an FTC report and attached it because the previous issues were not resolved.
Consumer complaint received 2018-04-04
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. (MO)

XX/XX/2017, disputed all accounts negatively impacting my credit due to old accounts still showing up and incorrect account information about balances and payments and identity theft and false statements on accounts.
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AK)

Wells Fargo, I have called for the last week to get a reinstatement letter with no call back. I have left 5 messages with my assigned migator XXXX XXXX. He stated he would call me last week and still hadn't. The company admitted they applied previous payments to the wrong account and I have attempted to get a check recut with no avail.
Consumer complaint received 2022-04-05
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2020-09-17
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. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national  banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2023 I went to Wells Fargo on XXXX XXXX here in XXXX Alabama, I had construction workers at my home wanting their pay for services they provided to my home. I went into the bank to cash my insurance check of less than XXXX dollars, I presented the chech asked to cash it, endorsed the check, and after waiting forabout 5 minutes the teller came back to me and said that they can not cash my check, when asked why she just said, that i could deposit it and they would have to hold it for several days, I then asked why, when the check was from Alabama and also cashier check from a local bank right here in XXXX, Alabama, she went on to say, that the bank will not cash my check due to the way I handle my account. She walked off and refused to explain it, soI was upset and asked to speak with the bank manager, the bank clerk at the desk told me that the managers were in a meeting and it would be hours before they got out. With everyone looking at me as if I had committed a crime, in shame, I walked out of the bank. As I reach the step with tears in my eyes I somehow XXXX XXXX XXXX. The emotional pain was truly overwhelming. I called the cooperate office and mad a complaint. The claim number is XXXX, On today i call and spoke with a young man and i was told that they sent me a letter of apology through my email, which I still have not received. I was unable to walk due to swelling of my ankle, and the fact that this is not the first time my a check was held for no reason and issues of transaction overdrafts for no earthly reason, I feel that Wells Fargo acted out disregard for me as a customer and used racist tactics to not honor my check. I should be compensated for my pain, embarrassment, and violation of my banking contract
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Remex, Inc. (NJ)

Remex Collection Agecy reported me to XXXX and XXXX for a medical bill in the amount of {$210.00}. 
I have never received a bill, I have received no correspondence from Remex, asking for payment for any services. 
I called them repeatedly on XX/XX/23 and tried to find out what services I owe this money for, what my account number was, etc. I got their contact info from my credit report. 
I would like this investigated as I do not want to fall victim to Unfair Collection Debt Practices. 

The contact info for Remex is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone Number : XXXX Thank you, I am sorry that I do not have any more info. 
My contact is : XXXX XXXX
Consumer complaint received 2021-04-26
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: TOYOTA MOTOR CREDIT CORPORATION (GA)

XXXX reported an inaccurate XXXX late payment on my XXXX Credit file/report. After the initial investigation, they are still reporting this XXXX late payment on my credit file/report, which should not be there. XXXX have fixed the issue and XXXX have fixed the issue, but XXXX refuse to update my credit file and remove that inaccurate XXXX late payment that they put there in error. I have contacted the Toyota Motor Credit, which is also the financing for Lexus XXXX, and they have told me that they did not report any late payment to the credit bureaus. In their system, it shows that they did not report it, and in their systems, it shows pays as agreed, never having a XXXX or XXXX late payment. They told me that it was a system error on the credit bureau 's end, which needs to be updated and cleared up. I need for this to be corrected because this XXXX late payment is negatively affecting my credit rating with XXXX and I am very upset about this matter. Please have XXXX remove this XXXX late payment immediately. My next steps will be taking XXXX to court and filing a lawsuit, seeking damages for negatively affecting my credit rating and for violating The Fair Credit Reporting Act, 15 U.S.C. 1681.
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MI)

Upon verifying my credit reports, it appears that this company is being deceitful. They are using two different names on two different credit reports. On XXXX, they go by XXXX XXXX XXXX  and on XXXX, they go by XXXX XXXX XXXX. The billing statement that was sent to me is from XXXX XXXX XXXX. I verified that XXXX XXXX XXXX are not licensed to collect in the state of MI. Prior to determining that they were not licensed in MI, I sent them a letter requesting validation of the debt of which they state I owe. To date, I have not received a response, however the certified letter that was sent to them was received less than 30 days ago. At this point, I am requesting immediate removal of this collection account from all bureaus of which this account is being reported.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Onity Group Inc. (NV)

I filed a chapter XXXX bankruptcy that was discharged inXX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX  Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.
Consumer complaint received 2020-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or  XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national  banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX