davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I.C. SYSTEM, INC XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I.C. SYSTEM, INC XXXX XXXX XXXX, the financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and I.C. SYSTEM, INC XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I.C. SYSTEM, INC XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I had unauthorized transaction on my account on XX/XX/2023 I called report the same day they I need to wait until the transaction is posted in my account it was posted in Friday than in Saturday it was denied it was system determined it was valid no erro occur I called them not helping at all I dont know what to do keep telling them contact the merchant they are refusing
Consumer complaint received 2017-11-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Recovery Solutions Group, LLC (CT)

on XXXX XXXX XXXX I received a call from a " XXXX '' at Recovery Solutions XXXX. He said I owed a debt to XXXX from 2 years ago. I told him I did not and I disputed it with them. 
He said " No problem, I will start the process to lien your home and property '' I asked if he were an attorney, he said " I handle all legal issues here ''. I said I wanted to talk to his supervisor, he said " I am who you talk to, no one else ''. I hung up he called back very nasty, I called XXXX, they apologized for him
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NJ)

This is a past dispute on 5 checks issued fraudulently on my account ( totaling {$15000.00} ) in 2010. The checks were cashed by unknown entities. Repeated attempts to resolve this matter over 15 years have failed. Citibank has made absolutely no attempts to identify the destination accounts or the people who cashed the checks. No blocks were issued nor any verification was done by the bank to ensure the integrity of the checks ( which is shocking to me ). After many years, the bank has claimed the signatures belong to me but this is vague as the handwriting in the 'To ' field on the check is completely different and it is fairly easy to forge a signature. I've written to Citibank numerous times on this matter but each time the matter is treated with neglect. They have now stopped responding. I've attached the recent letter sent to Citibank regarding the same.
Consumer complaint received 2024-10-28
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally request the immediate blocking and deletion of certain inquiries from 
my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C.  1681c2(a) and FCRA  605(b), I am entitled to have unauthorized or fraudulent information removed 
from my credit file to ensure its accuracy.
Please remove the following unauthorized inquiries from my credit file:
XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX XXXX XXXX XXXX  Date of Inquiry: XXXX XXXX XXXX
Date of Inquiry: XXXX XXXXXXXX XXXX XXXX  Date of Inquiry: XXXX XXXX XXXX  Date of Inquiry: XXXX XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX XXXX XXXX XXXX  Date of Inquiry: XXXX XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2020-04-18
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. (TN)

I NOTIFIED EXPERIAN AND XXXX XXXX XXXX XXXX THAT THIS WAS NOT MY ACCOUNT AND THAT MY SSN NUMBER AND ID WAS STOLEN SOMETIME BACK I DO NOT KNOW THAT CREDIT CARDS WAS APPLIED FOR IN MY NAME UNTIL I WAS LOOKING TO BUY A HOME AND THE BANK ALERTED ME THAT SOME ACCOUNTS WAS IN A NEGATIVE STATUSThey have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-10-30
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. (NC)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-30
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I wrote a letter to Transunion and XXXX having it notorized and sent certified on XX/XX/2023. I have been monitoring my credit alerts and scores and mail and have NOT received any response from neither the creditors nor Transunion XXXX. One of the biggest discrepancies show XXXXXXXX XXXX showing 2 different accounts with a third showing the XXXX separate accounts combined and that I supposedly owe money owing there as well, so basically XXXXXXXX XXXX  is charging me 3 times very inconsistent and incorrect. I disputed everything on my credit report bc that discrepancy being to great as it is is too big of a mistake and therefore makes and made me question the validity of the entire credit report. Ultimately I got no answer on any of it. Please help I do and will be sending copies of the written letter which is legible as well. I want these items all removed as a timely response of XXXX calendar days was not met on the end of creditor nor on the end of Transunion XXXX Thank you
Consumer complaint received 2024-10-30
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to Human Tracking debt bondage, which falls under tracking according to Tracking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605cofthe Fair Credit Reporting Act. I am a victim XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following information : XXXX XXXX XXXX reported XX/XX/XXXX, XXXX XXXX XXXX opened XXXX XXXX, XXXX, XXXX DEPARTMENT OF EDUCATION XXXX opened XXXX XXXX, XXXX, inquiry XXXX XXXX Bank inquired XX/XX/XXXX, inquiry XXXX inquired XX/XX/XXXX.
Consumer complaint received 2024-10-28
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. (MI)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-30
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I ama victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (TN)

I purchased a vehicle from XXXX  XXXX, financed by American Credit Acceptance. I was told total would be XXXX including taxes and fees. I have paid around 32 payments equaling closer to {$16000.00} and I am being told I STILL owe over {$18000.00} the car is still in my possession but it seems I was setup for failure.
Consumer complaint received 2023-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: First Southwestern Financial Services, LLC (NC)

I purchased a used XXXX XXXX XXXX on XX/XX/XXXX the vehicle seemed like it was driving weird on the highway I took the vehicle to XXXX XXXX XX/XX/XXXX had an inspection done they told me the transmission and rear differential was badly damaged and was failing I called the finance company whom was XXXX XXXX at the time and also took the vehicle to the dealership I requested my money back and for them to take the vehicle they refused and said they would repair it they never repaired it in XX/XX/XXXX the vehicle broke down I called the finance company in XX/XX/XXXX and they sold the contract to XXXX XXXX XXXX XXXX XXXX XXXX whom took over collections, etc paragraph XXXX of the purchase agreement states that if there is a window warranty agreement it voids anything else in the agreement I also sent a letter to rescind and a cease and desist to XXXX XXXX XXXX XXXX XXXX XXXX they continue to report this voided agreement on my credit report which is fraud they never upheld the agreement so we have no contact with each other they need remove this fraudulent information off my credit report because I do not owe them and pay me all money ever paid on this voided agreement I will attach all evidence on this matter
Consumer complaint received 2024-10-28
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. (TX)

I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please Investigated the following accounts as I don't believe the information to be accurate. Please remove the following address from my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. Achieve Personal LOA # XXXX. Please verify these accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Attorney General. I also noticed you are reporting multiple late payments on my credit history. I believe these to be accurate. please check your records and verify the accuracy of each late payment being by your company, XXXX XXXX # XXXX Please verify this account.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to formally request that certain accounts be blocked and deleted from my credit report due to my identity being compromised as part of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the following fraudulent accounts and inquiries be permanently removed : Fraudulent Accounts : XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXXXXXX - Account XXXX XXXX XXXX - Opened : XX/XX/XXXX - Balance : {$140.00} XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$4300.00} XXXXXXXX XXXX  - Account XXXX in XXXX - Opened : XX/XX/XXXX - Balance : {$6800.00} XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} Fraudulent Inquiry : XXXX - Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"