davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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. (PA)

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I have attached tracking # of the letters that I sent to the credit bureaus along with the credit reports showing the inaccuracies. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, and according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (IN)

Exeter Finance LLC sold my debt to a third party debt collector. The letter stated this new third party would be the sole entity to accept payments for this debt. For the last XXXX months, Exeter has been attempting to charge a card I had on file with them to receive payment on an account they no longer hold. I have contacted them twice via email about the situation and was just told " thank you, your account will be updated to reflect as such ''. XXXX, around XXXX, they attempted to charge my card again. This account was charged off to bad debt XX/XX/XXXX and purchased by another lender. Having worked for collections attorneys, I know this practice is illegal. 
Exeter Finance LLC XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-04-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I took a loan out with fifth third bank on XX/XX/XXXX and payed it in full on XX/XX/XXXX. 
Today XX/XX/XXXX my account was suspended because I had to cancel the payment arrangement for the loan that was still being processed every month for {$75.00} dating back to the time I closed the account XX/XX/XXXX. 
I did not receive a confirmation from the bank institution that I bank with of any reversal to my account.
Consumer complaint received 2022-12-03
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Open balance {$470.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - This account was not obtained by me. 

XXXX : Original creditor Open balance {$340.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - I don't owe them anything XXXX : Original creditor Open balance {$2000.00} Opened on XX/XX/XXXX ( XXXX mos. ) Remarks : Collection account - This account doesn't belong to me.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NM)

Barclay 's credit card ( AAdvantage Aviator XXXX XXXX XXXX XXXX, account ending in XXXX ), paid small balance and cancelled card approx. XX/XX/XXXX ; card then destroyed so we don't have account number, but card was in the name of my wife XXXX XXXX ( as a XXXX  I generally handle this sort of matter for our family ). Obviously we could not and did not use the subject card after this point in time. 

On XX/XX/XXXX Barclay 's sent us a check for {$0.00} " as a result of a credit balance. '' Subsequently a series of statements have been received each noting a {$40.00} fee plus interest on unpaid balance. Latest statement XX/XX/XXXX for {$110.00}. With each statement we have tried to reach Barclay 's to remind them this account was closed and the card was destroyed, but never a response. 

Barclay 's continuing statements appear to constitute fraud and extortion, and may run counter to the SEC 's Cease and Desist order of XXXX XXXX, XXXX ( Admin. Proceeding File No. XXXX ) in re Barclays XXXX XXXX XXXX 

We can provide copies of any documents referenced here.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have no business with XXXX XXXX XXXX account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently submitted a compliant concerning XXXX XXXX XXXX and their predatory transaction processing. The previous complaint has not been resolved and I would like to submit this complaint again. XXXX is staying and reporting on our credit report that our account is behind and it is not. I am attaching supporting documentation that shows that on our XXXX Statement, XXXX processed 2 payments. One on XX/XX/XXXX and one on XX/XX/XXXX. The XXXX first payment was not authorized. I contacted XXXX to request that this payment be returned because I did not authorize it and when they would not authorize it, I contacted my bank and my bank reversed this transaction on XX/XX/XXXX. XXXX is stating that this reversal is actually a return of our XX/XX/XXXX payment and this is not true. Our XX/XX/XXXX payment cleared our account and the payment was more than required because we paid extra due to having extra funds because of our stimulus payment. As you can see in the two months prior statements our account is current there is nothing owing on our account but XXXX refuses to correct their error. Since our bank has already reversed the XXXX payment that was process in error we do not need the payment returned. We would like account corrected to the amount after our XX/XX/XXXX payment. We have also made a payment on XX/XX/XXXX for XXXX. And our account is still showing past due.
Consumer complaint received 2023-09-05
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Open balance {$470.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - This account was not obtained by me. 

XXXX : Original creditor Open balance {$340.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - I don't owe them anything XXXX : Original creditor Open balance {$2000.00} Opened on XX/XX/XXXX ( XXXX mos. ) Remarks : Collection account - This account doesn't belong to me.
Consumer complaint received 2018-12-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION (MN)

First of all I am very glad to have your office which investigates the violations caused by big companies such as Toyota motor corporation which deceives millions of customers by selling defected cars as the results millions have been affected by the fraudulent tactic of dealers at care sales. 
I have purchased XXXX XXXX XXXX in one of the XXXX dealership XXXX XXXX Minnesota in XX/XX/2018. six days after I purchased the vehicle, I have found out that the van I bought has a big mechanical problems. it does not accelerate as it should, noisy engine, consume gas more than it should. I reached out to the dealers and addressed the safety issues the car had. they advised me to bring the car for inspection. They checked and told me that the car did not have any problems and you should drive it. I then picked up my car and immediately after two days the same problems happened with the vehicle, it does not accelerate in a busy highway which is very concerning. the drives from the back can hit me or able to involve in the accident due to the fact that the car does not accelerate faster even if given gas. I have addressed the issue for the second time and request the dealers to change this car for me with out trading options because it is only less than a week ( 6 days ) after purchase for {$27000.00}. they said we can not exchange the car with out trade and you have to trade. I informed them that I could may not get approved from the bank and please help me to exchange this vehicle as it was not operating well and is dangerous to drive on the road. I then called Toyota financial services who loans the car and talked about the dealership experience. They also told me to contact dealership for resolutions as I purchased car from them. I contacted again if they able to help me with car exchange not putting trade on the table because this is strange to have a car which has only XXXX miles and inspected by dealer and I should return this vehicle back. XXXX XXXX XXXX used car manger who could able to solve the issue said to me that we can not help you with exchange even though the car is defected and said to me that you are responsible for the car payment. I gave up and left the dealership and have been divining the defected vehicle which is a safety threat to me and my family as of today. Toyota financial services and car dears has denied my request ignored me when they realize that the care is not safely operable in the high way and they still insist that the car is safe which I do know is not safe to drive. I have therefore, paid {$27000.00} and not been happy with my car and have been very frustrated and concerned so much about safety of me and my family.
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: CAPITAL ONE FINANCIAL CORPORATION (AE)

In accordance with the fair credit reporting act, this creditor has violated my rights. Account ending in XXXX and XXXX, Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 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. Furthermore, the creditor has responded yet hasn't provided me with full disclosure as to the Truth in Lending Act. In addition to this I've found billing errors and discrepancies on each of my credit reports as well as the bills sent to the address on file. The creditor states they're report accurate information but have yet to fix their own internal billing errors. For this they are delibaterally reporting my information inaccurately and I would like for the creditor correct any inaccuracies as it relates to XXXX and XXXX. This creditor has caused me great loss and limited my ability to obtain employment due late fees reported on the credit report because of this I'm withholding payment until the late payments are removed from my report dating back to the beginning of XXXX  and the billing errors are corrected.
Consumer complaint received 2023-08-10
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any of the following items on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$830.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$380.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. I was never 30 days late on this account and always paid on time. This is reporting inaccurately XXXX Account XXXX : XXXX Update the payment status to paid as agreed 2. I was never 30 days late on this account and always paid on time. This is reporting inaccurately XXXX Account Number : XXXX Update the payment status to paid as XXXX TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Unacceptable Lack of Customer Service from Citizen Bank at XXXX XXXX XXXX, XXXX, MA XXXX I am writing to express my extreme dissatisfaction with the appalling level of customer service I have experienced at Citizen Bank. For the past two weeks, I have been unable to access my account due to it being inexplicably locked. Despite multiple attempts to rectify this issue, I have been met with nothing but frustration and neglect from the bank staff.

When I visited the bank in person, hoping to resolve the matter promptly, I was told that the staff were too busy to assist me and that I would have to wait indefinitely. This blatant disregard for customer needs is simply unacceptable. There is a constant battle and long lines out the door to get help from this branch. The employees are constantly on their phone assisting customers!

Even when I attempted to contact the branch by phone, I was met with further obstacles. I was repeatedly hung up on after talking to the branch representative. Not only did they refuse to put me on hold to address my concerns, but they also displayed a shocking lack of empathy and willingness to help.

As a loyal customer, I expect better treatment from my bank. It is outrageous that I am being denied access to my own funds and left stranded without any assistance from the very institution entrusted with safeguarding my finances.

I urge Citizen Bank to take immediate action to rectify this situation and provide the level of customer service that customers deserve. Failure to do so will result in the loss of my trust and my business.
Consumer complaint received 2023-08-10
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-06-23
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Notice of Dispute Violation of FCRA Rights and Request for Investigation and Removal of Inquiry Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute an inquiry on my credit report, as well as to bring to your attention the violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian 's failure to conduct a proper investigation into the inquiry reported by XXXX XXXX. 

I recently obtained a copy of my credit report from Experian, dated XX/XX/XXXX, and I observed that there is an inquiry listed from XXXX XXXX placed on XX/XX/XXXX. However, I believe that this inquiry is inaccurate and should not be present on my credit report. I have not applied for any credit, loan, or financial services from XXXX XXXX during the relevant period when this inquiry was recorded. 

According to the FCRA, as a consumer, I am entitled to certain rights, including but not limited to : 1. Right to Accuracy : The FCRA mandates that consumer reporting agencies, such as Experian, must ensure the accuracy and completeness of the information they report. 
2. Right to Dispute : If I believe any information on my credit report is inaccurate or incomplete, I have the right to dispute the information with the credit reporting agency, like Experian. 
3. Right to Investigation : Upon receiving a dispute, the credit reporting agency is obligated to conduct a reasonable investigation to verify the accuracy of the disputed information. 
4. Right to Removal or Correction : If the information is found to be inaccurate or unverifiable, the credit reporting agency must remove or correct it from my credit report. 

Based on the aforementioned rights granted to me under the FCRA, I hereby dispute the validity of the inquiry from XXXX XXXX on my credit report. I request that Experian conduct a thorough investigation into this matter, providing me with the results of the investigation and any corrections or removals made as a consequence. 

Additionally, I urge Experian to remove the disputed inquiry from my credit report promptly and to update my credit file accordingly. I expect Experian to adhere to the FCRA regulations and ensure the integrity and accuracy of the information you report about me. 

Please provide me with written confirmation of the receipt of this dispute letter within 30 days from the date of your receipt. Moreover, I kindly request that you keep me informed of any actions taken, investigation results, and any changes made to my credit report as a result of this dispute. 

Thank you for your prompt attention to this matter. I trust that Experian will handle this dispute in a fair and compliant manner, protecting my rights as a consumer under the FCRA. 

Sincerely, XXXX XXXX