davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: World Omni Financial Corp. (AL)

SETF repossessed my vehicle stole my car while in Alabama XX/XX/XXXX and sold it at an auction according to their letter without giving me an opportunity to negotiate the debt. I received no letter by mail and this manager never called me. The amount owed on the car was only {$2000.00} after I sent them advance payments in XX/XX/XXXX. The payments were not scheduled to resume until well into XXXX and they took my advance payments as a payoff. I spoke XXXX representative and she said it was only 45 days late. I called again and I was told it was over 400 days late. I believe Southeast Toyota Finance was told by XXXX XXXX XXXX XXXX and its employees to repossess my car as retaliation for the judge order against them and more retaliation while in civil litigation. 

[ See Floyd Keith v Dekalb County School District 1:21-CV-2539-SEG-CMS ] Since I've been in litigation, they have their inhouse people to illegally track my personal information and use my social security number, make changes to any accounts without my permission. 

I was not contacted by any managers. SETF intentionally sold my car that's worth over {$8000.00} for {$3000.00} and so I wouldn't have any transportation. I believe that it was XXXX discrimination and XXXX discrimination emanating from actors connected with XXXX XXXX XXXX XXXX working in conjunction with the Veteran 's Administration to force me not to drive. Also, the city of XXXX cause I had to list this car in federal court documents. 

Southeast Toyota Finance doesn't have an email address for communication and failed to email me of any action on my account. I had no method to talk with them and they have emailed me in the past but failed to on instruction by XXXX and these other entities. SETF breached the contract by stealing my car, failing to communicate with me, violating my rights to have my car that I paid well over {$18000.00} for. They have stolen money from me by selling my car. They took advantage of the knowledge they obtained from XXXX XXXX, VA courts and other entities to zoom in and steal my car while in federal litigation. Moreover, they blocked my online login, so I could not log in to do anything. I have emails from them for notification in the past but during this time period, SETF blocked me out of online contact and they don't have an email address or customer service email to contact. SETF use phone and mail so they can trick customers and steal property without the customer having any reprisal. That's what was done to me from XX/XX/XXXX until XX/XX/XXXX. 

This is desperate treatment towards myself as a minority by this monopoly company. The principal balance on this account was already paid as of XXXX XXXX {$4300.00}.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

On XX/XX/XXXX, I took out a loan of {$30.00}, XXXX with Nissan Motor Corporation at the XXXX XXXX Nissan dealership. 

* I feel that I am the victim of predatory lending, for at the time of my purchase, I was desperate, an Elder and low income, with a desperate need for a car. 

*My Monthly income at the time was only, {$2500.00} gross. My car note is {$830.00} which is XXXX XXXX of my income. 

*I feel that I underwent aggressive marketing and sales deception and manipulation to convince me as the borrower, whereas I felt pressured to make a decision quickly on a loan with unfair terms. 

* I feel that this a serious form of undue influence, for the Sales- person and his Manager, knew that I could not afford to pay the loan and at the time. 

* I felt pressured to agree to make the unaffordable payments, for I was advised that if I paid for a year on time, I could come back and could get whatever I wanted with better terms. 

* When I returned after a year, I was told that they would not re-finance me and to go to elsewhere. How can I, when I am now upside down and have {$17000.00}, of negative equity. 

* One month ago, I explained to a Customer Service Rep, that I am not working the same amount of hours, that I was working when I obtained the loan last year. She then asked me if I had {$500.00}. I told her, No. She then extended me an extension and asked me if I could pay afterwards, I told her that I did not know. 

* In order to make the year of payments on time, I had to work extended hours very often, which affected by overall health. I am a XXXX survivor and the additional hours stressed me tremendously. 

* On XX/XX/XXXX I wrote Nissan Motor Finance Company a letter of my concerns and they, wrote me back on XX/XX/XXXX, advising me that my complaint solely concerns the dealer in regard to the alleged conduct in the sale of the vehicle. 

* I sincerely feel that Nissan Motor Corporation is also liable, for they accepted the terms that were outlined to them by the Dearlership, in which includes my debt to income ratio in regard to affordability. 
the debt to income ratio regarding affordability.
Consumer complaint received 2023-05-01
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. (LA)

In accordance with the fair credit Reporting act, has violated my rights 15 USC 1681 ( 5 ). The creditor by law is to report complete and accurate information to each credit reporting agency 15 USC 1681. Also states this law XXXX, XXXX, and Experian has failed to abide by this law. I have disputed this account multiple times about the inaccuracy on the credit report and nothing has been done. I have called multiple times about this account and nothing has been done. I am demanding deletion of this account due to the inaccuracy on the credit report, as well as the laws that were violated.The creditor names are XXXX XXXX, and XXXX both accounts show and incomplete and in accurate information the balances payment history contract terms account status original creditor information is not shown are not complete and accurate across-the-board with all three credit reporting agencies which is in violation of 15 USC 1681 complete and accuracy
Consumer complaint received 2024-07-09
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. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MXXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-01
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. (MA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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. (NY)

Ive been trying to dispute these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-04-12
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-05-01
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items 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 XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2023-05-01
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)

This is my FURTHER Complaint regarding the identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  CT XXXX, NJ XXXX ; XXXX XXXX  AV XXXX XXXX, NJ XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$8000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (PA)

On XX/XX/2023, I took my dog to see XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX 

I was not happy with the services provided and several days later contested the charges of {$180.00}. 

The vendor/merchant XXXX XXXX agreed with me and agreed to waive these charges entirely ( COPY OF EMAIL BELOW ). 

I submitted this proof to PNC XXXX XXXX XXXX XXXX, XXXX, Pa XXXX PNC BANK refuses to return the funds the vendor agreed to waive. This is clear violation of their terms of agreement regarding investigating disputed charges. 

HERE IS A COPY OF THE EMAIL WAIVING ALL CHARGES : XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX  Dear XXXX XXXX, I hope XXXX is doing well with no changes due to his XXXX and that the XXXX  like growth on the shoulder has healed. 

I am upset by your letter and invite you for a conversation. I will waive your bill as a gesture of good will. I have worked with four other veterinarians that have also used this first generation Cephalosporin topical on dogs, cats and horses, all as an extra label use. 

There has not been any contraindications with XXXX and or geriatric animals anywhere in my literature search or noted by the XXXX XXXX veterinarians I reached out to for this important information. 

This was chosen for ease of use and compliance of treatment. 

I realize your disappointment with your experience and again invite you for a conversation. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX | ( XXXX ) XXXX | XXXX XXXX
Consumer complaint received 2023-05-01
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you Please block/remove these items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/2014 XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2014 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-05-01
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$940.00}
Consumer complaint received 2023-05-01
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (GA)

This is my follow up complaint as an assurance that the XXXX, EQUIFAX and XXXX Credit Bureaus will take their responsibility seriously and will NOT be inattentive in my request for inquiry removal in my credit reports. Once more according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Again, here is the list of inquiries which do not belong to me or were opened without my authorization : XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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. (NJ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (AZ)

Progressive XXXX XXXX, I jumped to XXXX using web based portal to switch insurance carriers, I authorized XXXX to notify Progressive/ cancel policy. Progressive left me on their books, eventually claiming I owed {$450.00}. I disputed this claim with Progressive, who eventually sold the debt to firm Caine & Weiner.

This firm repeatedly files damaging / deragotory. I don't owe the money. Additional contact with Progressive, sounded in agreement, if the policy was canceled at the time I moved to XXXX, additional charges would not be expected.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (SC)

I have had a Yard Card Credit Card through TD Bank since XX/XX/year>. I have made every payment on time. I recently started receiving calls from them saying that I have missed two payments. I told them the dates the money was withdrawn from my account to pay the bills. They recommended I call my bank, which I did. My Bank confirmed that the money was withdrawn from my account and deposited into TD Banks Account. I started to wonder if it was a scam because the number I was called from was not associated with TD Bank online. I called TD Bank and they also stated they were not familiar with the number. I looked at my Yard Card statements and the new statement stated I was late two months as well, which Im not. When looking over my statement, I realized that they changed my account number without notifying me. I tried to call yesterday and tell them this and waited on hold for 40 minutes. I was contacted today by the number that was unfamiliar with TD Bank and pretty much told the guy off without giving any info. I attempted to call them and resolve this over the phone today and was on hold for an hour before I finally gave up. I have been charged late fees and I wouldnt be surprised if they reported this to my credit. I am at the point where I am going to pay the card off in full so that I never have to deal with TD Bank again. This is the last resort before I go to a TD Bank in person to pay off this bill which I shouldnt have to do. I have proof the bill was paid every month and I have proof they changed my account number without my knowledge and/or consent.