davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION (MT)

Well, I am a SMALL car dealer. I decided yesterday that I might want a car for myself. I had a trade in and some cash. I did a preapproval on a large dealers website. I gave them my personal information. The salesman calls and tells me that because I do not live in XXXX XXXX, Montana ( my business address is there ), that they will not finance me. Last time I checked you do not have to LIVE in the city where you purchase a vehicle, financed/leased or cash. He tells me to go to a credit union ... Really? So, after that happened I applied directly with Toyota Financial Services. They will not even give me a answer. They CLAIM on their website we have a program for the credit challenged. You just need a score of XXXX, and no late payments in 90 days. According to them my score was XXXX XXXX  maybe auto enhanced, then they pulled my credit from XXXX  yesterday, and still no answer ...
Consumer complaint received 2021-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2022-02-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My identity was used to open at fraudulent account at XXXX lending, it looks like {$24.00} was loaned and never made a payment and my credit score was hit for XXXX points. i noticed all this on my XXXX XXXX journey. XXXX makes it very difficult to contact them. I reported on Experian but the dispute remains. ( # XXXX ) I don't know what to do at this point. XXXX dos n't have a phone number and do not respond to email.
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I originally scheduled a payment for my rent to come out of my checking account on the wrong day that funds were n't available. I notified Citizens Bank 3 days before automatic withdrawals were due to come out of my account and ask them to stop the transactions. I woke up three days later in my  account was negative {$800.00}. Multiple efforts were made on my part to have them reverse the charges in my account was in good standing I wanted them to close it and I opened up a new checking account. My child support payment of {$300.00} could n't be stopped from being deposited into that account and for some reason Citizens Bank could n't transfer that money because it was in a closed status and credit only status but yet a whole week later they allowed an online loan shark to withdraw over {$100.00} and another transaction for {$25.00} to come out of my account. They ca n't even tell me who the {$25.00} was given to but how they could not give me access to my funds yet have third-party vendors take money out and they 're telling me right now I ca n't do anything about it. This has to be against the law they do n't make my child support available to me to take out or to transfer to my open checking account yet they let to vendors that I do not authorize and I do n't want them to take any more money out of me to take my money and they ca n't reverse the charges now apparently they 've reversed their own mistakes too many times now and they 're Tapped Out. This ca n't be legal.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

less than a year ago, needed credit card advance that my bank couldnt accommodate due to a chip card. They reccommended XXXX up the street. Went in, told you have to be a customer. Opened an account with {$100.00} and did my advance. Specifically asked about fees, told to my face there was no fee on this account. Whether put in wrong account or told incorrect information I had {$11.00} a month fee taken out. Forgot about account really, opened a letter dated XX/XX/2018 saying I need to address this or be reported to credit bureau. The entire account was drawn down by a monthly fee, then overdrafted. Now they want to report to a credit bureau? Call a branch I get a run around that really frustrates. A fee is generated out of air, I want my original deposit back and rid myself of XXXX altogether. By the way, being a customer by opening an account for {$100.00} when I advanced {$2000.00} never made sense, I mentioned this up front.
Consumer complaint received 2016-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (FL)

Hi, I fanancing a car since last year for XXXX and up less than XXXX I paid XXXX amount XX/XX/XXXX till now my account balance is XXXX I thought this is just stole people money West Lake Financial services XXXX that 's a scam bank no good if anyone has to finance a car do n't go with that scam bank
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

XXXX and XXXX sent letter for equifax to remove these paid collections and they are still appearing on my credit report. This is hurting my credit really bad. Equifax need to remove these XXXX XXXX/ XXXX and XXXX  from my credit report
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have new updated information and concerns about Equifax response and procedures of my consumer reports! 

On XX/XX/2022 Equifax determined that my alleged hard inquires were factual/verified I need Equifax to describe the procedures used to determine the alleged verified hard inquiries on my consumer reportIf Equifax cant describe what procedures and methods was used to verified these alleged hard inquiries, I DEMAND Equifax to remove all of the verified inquiries pursuant to 15 usc 1681i ( a ) ( 6 ) & 15 usc 1681i ( a ) ( 6 ) ( B ) ( iii )
Consumer complaint received 2022-09-09
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)

The company refused to remove items unless I sent in proof of my identity, I submitted proof and they still refused to investigate. I requested the following accounts be removed from my credit report due to fraud and this them continuing to report is a direct violation of the fair credit reporting act. 

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 US Bankruptcy Court Northern FL XXXX XXXX BANKRUPTCY DISCHARGED XX/XX/2019 I also requested they remove the following incorrect addresses from my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a inquiry I did not authorize New Inquiry XX/XX/17 XXXX XXXX A potential creditor, employer or service provider reported that they pulled a copy of you ...
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-02-19
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. (NY)

I did not initiate these accounts, and I strongly suspect them to be fraudulent. I kindly request that you thoroughly investigate and promptly remove them from my credit report. I have provided supporting documentation to substantiate my claim.
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (TX)

I am not liable for this debt with XXXX XXXX  XXXX XXXX and I do not have a contract with PRO DEBT plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1100.00}
Consumer complaint received 2022-03-31
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. (SC)

Hello, it has come to my knowledge that the information reporting on my credit is non-compliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2016-02-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I received a phone call at my place of employment from macys credit card company that i need to make a payment and i was very upset with XXXX thing, first i do not have a macy 's credit card second they had called to my place of employment. i told the lady they have the wrong person and told her that do not call me back ever again. But she got a little rude which made me to hang the phone on her. This happened on XXXX 2015 and since then I had filed a police report I had send letters to macys stating this account is not mine also disputed the account with credit bureaus. Macys has not done anything to satisfy my request as a consumer whos identity was stolen they keep sending me the same letter saying that they have received my recent correspondent regarding a macys account and my letter has been forwarded to their fraud investigation and some one from fraud department of macys will contact me regarding my concerns. as of this date I have not received any phone calls regards to this urgent matter. only thing I have got from macys is bunch of promises with the same generic letter but with a different date on it. please help me to resolve this matter.
Consumer complaint received 2018-06-06
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. (WI)

XXXX XXXX This account is still showing on my report even thought it has been paid and closed. We also agreed to make payment in return for the item to be removed from my report. TO date the company has not fulfilled this. Please delete this from my report
Consumer complaint received 2021-07-08
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: WAKEFIELD & ASSOCIATES, INC. (GA)

Hello, The following acounts are not mine. 

WAKEFIELD & ASSOCIATES Accounts : XXXX XXXX XXXX XXXX XXXX Request the following : Method of Verification, Validation of debt and Assignment of Debt. In addition, you would be in violation of my Hipp Rights if these were my acocunts and I did not give premission to share my personal medical informaiton and privacy. 

Please remove ASAP
Consumer complaint received 2018-06-06
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: WELLS FARGO & COMPANY (IN)

Hi, I applied for an Auto Loan at XXXX  and XXXX XXXX.

But I see about 5 more extra hard inquiries on my credit report to whom I have not even spoke or had any business associations with.

I wanted the inquiries made by them to be removed from my history.

Below are the firms which made hard inquiry on my credit report on XX/XX/2018 : 1. Wells Fargo Dealer services 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX I tried reaching out to the customer care numbers, but the menu options are members centric whereas there seem to be no way to file a complaint related to credit report pulls. 

I kindly request for your help on the same.
Consumer complaint received 2022-09-09
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. (NC)

The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on. 
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.
Consumer complaint received 2021-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC (MD)

Re : Certegy Check Services On XX/XX/21 my XXXX XXXX XXXX XXXX {$66.00} check was denied at XXXX XXXX XXXX - Store # XXXX, XXXX, Maryland. The info for XXXX is printed on the receipt, I tried to contact. I was asked for my SS #, bank routing #, back account #, other info. I did not provide these. All automated, no one to speak with. I was also asked if I wanted to make a payment. I tried their website, no help. Twice on line I was asked if I wanted a lawyer, for a fee. Looking in to the company, I found many who had experienced the same. Their website - www.askcertegy.com - XXXX - Certegy Check Services , Inc. XXXX XXXX XXXX XXXX , Fl XXXX XXXX-XXXX. I have tried several times to reach this company, on hold for over an hour- then disconnected. One site I reached was invalid. I have been shopping in these stores for many years, and now I am unable to write a check there. My credit score is very high, and I did bounce one check about 10 years ago, when I was changing banks. My fault - wrong check book. I feel this outfit is a scam, I would like to know what you find out. 
Thank you for your time, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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