davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

In accordance with the law the fair credit reporting act, the list or accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C 1681 , section 602 A states, I have the right to privacy.

Under 15 U.S.C. 1681, section 602 A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C.1681 c ( a ) ( 5 ), states no consumer reporting agency may make any report containing any of the following items of information, any other adverse items of information, other then records of convictions of crimes which antedats the reports by more then seven years.

Under 15 U.S.C. 1681-2 ( A ) ( 1 ), a persons hall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-26
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. (OH)

2nd official notice To trans Union XXXX and XXXX All 3 companies are in violation of the consumer laws I have contacted all 3 companies several times to correct my credit profile I was a victim of identity theft and there are several accounts that are reporting incorrectly all 3 credit services have Failed to remove all of the ant accurate credit reporting. 
The only company that has removed some of the inaccurate credible reporting is TransUnion add XXXX XXXX has continued thank you to report unaccurate late payment accounts on my credit profile. 
I have spoke with legal representation and this is the 2nd notice if there is no changes after the 2nd and 3rd notice all credit service will be in default and I will pursue a Declatory judgment That would equal {$10000.00} for each and inaccurate credit Account on my credit profile. 
The following account should be deleted immediately XXXX, XXXX  XXXX, XXXX XXXX, XXXX And XXXX 
All of those accounts were wrongfully charged due to identity theft. 
All of those accounts should be removed and deleted immediately. 
There's a XXXX late payment that is wrongfully being reported I have spoken to XXXX and they have informed me that they are not reporting that account late that should also be deleted in media. 
Failure to comply Where result in Legal compliance and will be evidence an emission of guilt. 
For all of the infractions all credit services will officially owe default judgment of {$80000.00}.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-04
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. (FL)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WI)

I opened a dispute with Citi. I emailed in supporting evidence when requested. Then I received a letter that my dispute was rejected. I called and they said it was because I had not responded to a letter. I had not received this letter. They sent a new one. I responded immediately. My dispute was rejected again, this time they said because I didnt respond to the first letter in XXXX ( the one I did not receive ), the dispute could not be reopened with XXXX per federal regulation. I read the information on the FTC website and I did not find that regulation.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 2023-11-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (MS)

Payments was late due to in forbearance with car loan company. In Accordance with the Fair Credit Reporting. USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit. Please adjust all late payments.
Consumer complaint received 2023-02-13
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Indie Technology DBA Found (CA)

On XX/XX/XXXX, my personal belongings, including my wallet and phone, were stolen from my locked car parked at my residence. Despite my efforts to secure my possessions, a theft occurred, resulting in a series of unauthorized transactions using my financial accounts linked to these items. These fraudulent activities persisted undetected until XX/XX/XXXX, as I received no alerts or notifications from my bank about the unusual transactions, leaving me unaware of the situation. It was only after my account funds had been completely depleted that I was notified via email. Upon discovering the extent of the unauthorized transactions, I filed a claim with my bank, seeking restitution for the financial losses incurred. Unfortunately, my claim was denied on the grounds of alleged irresponsibility in safeguarding my sensitive documentsa claim which I find unjust as the theft was beyond my control. In response to the theft and the subsequent denial of my claim, I filed two separate police reports to document the criminal activity and provided these reports to my bank as evidence. Despite this, my efforts were met with further denial from the bank. I am now in urgent need of recovering my money and am seeking a resolution to this distressing situation.

Found is leaving out clear details in which I fell a victim of. One of those is not only was my debit card stolen but also my back pack that had my phone in it. That phone had my found account logged into by default. Therefore. The thieves who decided to break into my car at my physical residence decided to also go on a spree of criminal acts that I am being held accountable of doing which is not true by any means. Not from me. Not from the local Police department nor my own roommate who witnessed the effect this has had on me. I need my money back. And I can't stop until you return my stolen funds, if matters are not taken care of, my next step is filing a lawsuit in small claims court against the bank itself. 

This is ridiculous and unprofessional of them to not look in to my situation more throughly and understand the amount of distress this has caused me. I will also attach my police reports and complaints I have submitted.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (KY)

I have two evictions on my rental report that are false and illegal to report according to 15 U.S. Code 1681a. I did not give written consent or any consent for it to be reported to all credit bureaus. These inaccurate evictions i do believe were on or around the years XXXX and XXXX. I never went to court for these false evictions and i never was forced to move from the addresses the evictions were filed on. These inaccurate rental reports are illegal and need to be resolved immediately or i will be forced to take legal action against these companies.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MA)

I went to check my account balance via Chime and it said my account had been closed. I didnt receive any warning that this was going to happen at all. I received an email just after it happened and immediately called customer service. Spoke to someone and they couldnt give me any information so I asked to speak to a supervisor. She connected me to the supervisor who told me they were sorry for any inconvenience and said that they would transfer me to someone who could reactivate my account and that person said the same exact thing the first person said. They couldnt provide me with any information at all and the emails I received should have gone in to detail about the decision. And they did not. I got the number of the call and the name of the woman who helped me last. I asked for her supervisors name and she said she didnt know it. I also went to read the deposit agreement and I dont see how I broke the agreement at all.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CA)

I opened a joint bank account with my then XXXX months ago. After the bank was open, I was not ever given checks, debit cards, or access to this account. I was told by the main account holder that he closed the account and pulled out all of the money. when in fact this was not the case the account was closed due to account abuse. I never received a call from the bank or any letters stating this was the case or a balance was owed. 
After I tried opening just recently my bank account, I was denied due to an outstanding balance I was not aware of. In the amount of {$2000.00}. I made contact with the bank, and they let me know I wanted off the account. They then told me they could not help me because it was transferred over to a collection agency. I told my story to the collection agency that I wanted my name off this debit because I was never allowed access to it. They let me know that I was responsible for it unless the main account holder called to release my name. I let them know I no longer had contact with this person that he was in XXXX  on felony charges, and that I wanted no communication with him. I told them that this balance was not mine as I did not do any activity on this account and that it should be solely his debit. The manager let me know that it was not just his it was mine also and I was responsible for payment. I explained I had no way of paying them that the relationship I was in took every single one of my checks and I had no money to my name. I am trying to get back on my feet and this is one thing that is holding me back. They were no help and told me they could drop payments down, but it would remain in my name, and I had to pay it. 
I called the Sheriff 's station in the city I lived in and filed a report, I was then advised by the DA to make a report as this could be added to the charges that are already under the main account holder 's name. All I want is for my name to be taken off of this account as I never had access to it.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-12-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ragan & Ragan, PC (SC)

Ragan and Ragan are garnishing my wages at 25 % per paycheck which is XXXX bi-weekly. I can not afford this and I did not receive any notification. I called them today and they said they can not stop it and to file bankruptcy to stop it. This is so unfair and I can not survive like this.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

USAA federal savings stated I opened an account on XX/XX/year> and that the balance is XXXX I have never took out a loan with this company they have threatened to repossess my property and my money I have asked for a proof of this but have not received any information in return please help me its harming my credit profile and really destroying my life and well being Im afraid that this is impacting my life drastically
Consumer complaint received 2024-08-06
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: EQUIFAX, INC. (CA)

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( 5 ) XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-04
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. (MS)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-02-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION (PA)

On XX/XX/2024 XXXX XXXX ( contracted by Credit Acceptance ) repossessed my vehicle from my residence. Due to the incline of my driveway and the way they towed the vehicle out of the driveway, they drug the front end of my vehicle approximately 10-15 feet with the frame/subframe on the paved driveway. This has caused severe damage to critical components of the engine as well as completely destroyed the entire front clip of the vehicle. Ive tried contacting both XXXX XXXX and Credit Acceptance to no avail. This vehicle is a very low mileage classical collectors item that was still factory original other than performance upgrades. Now it will never be worth what it was due to these damages caused by XXXX XXXX and their employees. Also approximately {$5000.00} worth of electronics, power tools, and items of great sentimental value either missing ( stolen by XXXX XXXX & employees ) or destroyed/broken ( by careless acts by XXXX XXXX & its Employees ) discovered after getting vehicle back into my possession. So now I have a car loan for a car that isnt even worth half of what the loan is due to XXXX XXXX negligence and blatant unprofessional conduct.