davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TD BANK US HOLDING COMPANY (FL)

yes, i applied for a td bank pre paid credit card and the banker at XXXX XXXX XXXX, XXXX, NJ XXXX said i would be ok with this. he helped me and was very nice.
however, td bank stole my money, this secured account was overdrawn illegally, and i never got the prepaid card i was approved for and i lost hrs of my time XXXX $ and my credit suffered.
td bank has again stolen my money with incompetence.
additionally i always put money into td bank change and that was a scam and a fraud from td bank and i demand an accounting of all the change i used in their money machaine.
Consumer complaint received 2023-02-28
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)

Im sending a letter of complaint to experian, and demanding that the information on my report be removed or i will file for arbitration im sending this melter of complaint first as an attempt to resolve this through the Consumer Financial Protection Bureau, this letter is a complaint filed to demand experian to remove these XXXX accounts off my credit report or i will sue experian in violation of my rights under the fair credit reporting act, this letter describes in detail my complaint this is a legal document I am filing with experian in an attempt to fix this matter, or will send a my demand for arbitration if not resolved, I have filed this notice to experian in response to the identity theft that has occurred do not ignore this complaint or i will seek legal action against experian
Consumer complaint received 2023-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

I paid off my brand new XXXX Hyundai XXXX in XX/XX/XXXX. I waited several months for a title which was never sent. I called Hyundai motor finance and they said they sent the title however this was not accurate as it was never received in the mail. I even called the post office to make sure mail was being sent correctly and XXXX verified all mail was delivered. I subsequently called Hyundai motor finance in XX/XX/XXXX and they said that the title was mailed XX/XX/XXXX ( this was a lie ). They said I would not need a lien release letter which they will also send. As of now it is XX/XX/XXXX and I still do not have a title for my paid off vehicle. XXXX is not helpful and giving me a runaround and gaslighting me making me feel as though mail is not coming when they are actually not sending anything.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

XXXX XXXX holder services has a hold on my deposit received from the internal revenue services in XX/XX/2022. They continue to hold the money and charge me administrative fees. They claim they have a court order to hold the money but will not give me a copy. I need my money released and I need it asap.
Consumer complaint received 2023-02-28
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)

XXXX XXXX XXXX Account Number XXXX I the victim of the fraud, am requesting that XXXX XXXX XXXX XXXX according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and XXXX am aware that this is subject to a {$1000.00} fine per violation in addition to punitive damages. 
1XXXX demanding remedy for the following -Fair Debt Collections Practices Act 15 USC 1692g -Fair Debt Collections Practices Act 15 USC 1692e -Fair Debt Collections Practices Act 15 USC 1692f -Fair Debt Collections Practices Act 15 USC 1692k - FCRA Section 623 ( a ) ( 3 ) - FCRA Section 623 ( a ) ( 1 ) ( a ) ( b ) = {$6000.00} TIMES TWO for the reporting of both fraudulent accounts.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (AZ)

I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2023-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-12-03
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. (IL)

The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Consumer complaint received 2019-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The three credit reporting agencies which are Transunion, XXXX, & XXXX   have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Consumer complaint received 2023-11-28
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received an unsolicited letter via email from XXXX acct : XXXX stating that I owe a debt. This account has already been disputed as not valid with the original creditor. Fair Credit Reporting Act dictates that every single accusation of debt, be it true or not true it absolutely must be reported accurately, timely, and reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to in equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation )! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data provider and your continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed.
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JNR Adjustment Company, Inc (CA)

On XX/XX/2019 an auto rental company claims administrator requested I pay {$120.00} for administrative fees related to an insurance claim which was paid out by XXXX XXXX. XXXX XXXX paid out all fees except a {$120.00} administrative fee. I failed to pay this administrative fee by mistake. The invoice for this unpaid {$120.00} administrative fee is attached. 

In XXXX of 2019 ( assumed ) the claims administrator forwarded my {$120.00} debt to the JNR Adjustment Company , Inc., located at XXXX. XXXX XXXX, XXXX, FL XXXX, XXXX, for collection. The claims administrator of my original {$120.00} debt confirms this and refers me to JNR Adjustment Company at this point. 

On XX/XX/2019, JNR Adjustment Company sent me a letter ( attached ) indicating that I owe {$900.00}. 

It has been at most 1 month since JNR received this debt for collection and JNR Adjustment Company added {$770.00} in fees and interest to this debt ( {$770.00} + {$120.00} = {$900.00} ). 

On XX/XX/XXXX, I notified JNR that I hereby dispute the validity of the debt in full.
Consumer complaint received 2019-01-23
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: ERC (TX)

In XX/XX/2018 I filed a dispute against XXXX XXXX XXXX. The dispute was validated and removed the ac ch int from my report. Now the account is back on my report with a different credit bureau ( XXXX  ). Also the start date was changed which re starts the statute of limitations. Which is illegal.
Consumer complaint received 2023-05-12
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. (TX)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 2023-05-24
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 have disputed XXXX XXXX a number of times to Transunion, this was a rental of a shed i return, CFPB consumer laws and regulations FCRA ; The term comsumer report does not include any of the following ; The purchase, Rental, or lease by the consumer of the person 's good or services.Transunion has been allowing XXXX XXXX  to say the information is correct, transunion needs to investigate this unlawful entry of XXXX XXXX.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (OH)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 7 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-03-03
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

I did not receive a letter stating the checking and savings accounts would be closed due to inactivity. 

I did receive over 300 letters in 2 business dates stating the account was closed. 

I called to inquire how to receive the money in the accounts. Was told to visit www.unclaimed.org and to simply enter my name and mailing address, and that the funds would be mailed to me. 

When I followed the instructions to the website, a search showed zero results, which would not allow me to file a claim for my funds. 

I am seeking assistance with getting my money to me that was from the accounts closed.
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 I made a {$20000.00} payment to my Costco Visa by mistake. On XX/XX/2021 I discovered my mistake and contacted Citi Bank Visa to request a refund. I received a written response from Citi that they would reply back with a status in 7-10 days. On XX/XX/2021 I spoke with Citi Bank ( XXXX ) team id # XXXX and he promised to investigate and give me a follow up status on Monday XX/XX/2021. I didn't received a follow up status call. I called again on XX/XX/XXXX and XX/XX/XXXX. I got a different story each time and no follow up call with a status. It appears that they are deliberately holding onto my funds and playing ignorant. I can tell their XXXX system has tracked all of my calls but they don't seem motivated to solve my problem.
Consumer complaint received 2021-09-04
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. (NC)

You are in direct violation of hippa laws and I ask for immediate removal of any medical bill on my credit report immediately! I request the removal or with use my legal rights and attorney to file a lawsuit against your agency! Any medical bill on any of my three credit reporting agencies ( XXXX  ) ( XXXX XXXX XXXX ) those are the companies reporting medical bills violations of hippa laws!
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (VA)

The XXXX breach exposed my information, so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. These disputes are due to the violations that Experian is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 


XXXX XXXX XXXX XXXX  ( Original Creditor ) inaccurate direct violation 15 USC 1666b , Remove late payments. XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) inaccurate direct violation 15 USC 1666b , Remove late payments. XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) inaccurate direct violation 15 USC 1666b , Remove late payments. 


By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Consumer complaint received 2022-10-27
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (LA)

I have sent written notification to Credence Resource Management requesting documentation of any contractual relationship between myself, & Credence Resource ManagemenXXXX. This was NOT a request for verification or validation. This was a request for proof of contract to substantiate Credence Resource Management 's claim to XXXX, XXXX XXXX XXXX, that I owe Credence Resource Management, {$260.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX XXXX XXXX ACCT 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.