davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (TX)

I am writing to dispute the inaccurate late payment remarks that continue to appear on my credit report. Despite previous disputes and the account being verified and updated, the errors remain unresolved. The presence of these inaccurate late payment remarks is negatively affecting my creditworthiness. 

This ongoing error needs to be corrected immediately to reflect the accurate payment history. As mandated by the Fair Credit Reporting Act, it is your responsibility to ensure that all information reported is accurate.
Consumer complaint received 2024-05-17
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. (NM)

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 2024-05-17
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. (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.

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2024-05-17
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. (CO)

I am writing to follow up on my previous correspondence dated XX/XX/2024, regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.
Consumer complaint received 2024-07-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc. (CA)

I sent the company a contract asking them to validate the debt, the actual accounting, Lawful and legal terms and conditions. Equal consideration. Signed invoice pursuant to U.C.C 9-210. To produce substantial evidence that a valid agreement was signed by both parties ( me and them ) bearing a wet signature. Produce substantial evidence that they provided lawful consideration to the transaction, being that the current United States are insolvent as well as their citizenry ; and all commercial banks, credit unions, and corporations, according to a 1992 Congressional Record of the 102nd Congress as given by XXXX XXXX XXXX. Produce substantial evidence that the promissory note was not already discharged due to United States Bankruptcy. Produce substantial evidence to the contrary that the national economic emergency of the Bankruptcy of the United States in XXXX is still ongoing. And the national remedy for discharge and acquittance was already established pursuant to 12 USC 95 and 50 USC 4305 ( b ) ( 2 ). To provide evidence to the contrary that The United States Congress did not declare the BIBLE as the WORD OF XXXX IN XXXX and in XXXX Declared that the year the Year Of The XXXX. To provide evidence that in XXXX XXXX XXXX forbids, unscrupulous lending practices and unequal weights and measures. Provide evidence of their institutions exemption status of Article 3 of The Uniform Commercial Code, covering commercial paper such as drafts, promissory notes, checks, are not acceptable as a means to satisfy and or discharge financial obligations. Provide evidence negotiable instruments are not used as cash. Negotiable instruments are not used for purposes of payments for goods and services.
Consumer complaint received 2024-05-17
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. (IL)

PLEASE BLOCKED AND REMOVED I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2024-05-17
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

I noticed that XXXX XXXX XXXX entered account # XXXX on all three credit report. I have never contracted with or borrowed any money from this company. 
I requested that the provide me with any copy of a purchase agreement contract and a contract bearing my signature since i have never done any business with them. 

After months of waiting they failed to provide me with any of the requested information, i further asked them to remove the item from my credit report and they have ignored all of my request and continue to cause harm and financial damage to me.
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

I modified my mortgage with Ditech in XX/XX/XXXX. Ditech has misapplied my XXXX payment and credited it to XXXX. Ditech has missed the payment credited to it on XX/XX/XXXX and instead applied my XXXX payment to XXXX. This has had the effect of making me look late since XX/XX/XXXX.
Consumer complaint received 2024-06-26
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. (NY)

XXXX, Experian and XXXX are all in gross violation of my rights as a federally protected consumer pursuant The Privacy Act of 1974 and FCRA. 
They continually report transactional history which is prohibited by 15 USC 1681a.

There are also several inaccuracies across all 3 bureaus which is in violation of 15 USC 1681. They have also failed to notify me of my opt out rights and are in violation of 15 USC 6802-6805 and 16 CFR 313.7. 
They are violating my privacy by making public my personal information via affiliates, non-affiliates and third party vendors plus allowing promotional inquiries. They are in violation of 16 CFR 433.1, 433.2, 433.3 " Charge offs '' are considered " certificates of indebtedness '' by the IRS and " certificates of indebtedness '' are considered income pursuant to IRS publication 4681. Therefore, XXXX, XXXX, and Experian are reporting my income which is not permitted. 

XXXX ( commission file # XXXX ) XXXX ( commission file # XXXX ) and Experian ( commission file # XXXX ) each stated within their own filings with the SEC that they would uphold the laws of The Privacy Act of 1974 and FCRA ( in addition to many other consumer protection laws ) and they are not doing so.
Consumer complaint received 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (VA)

I was approved and financed a lemon vehicle with XXXX XXXX XXXX and Westlake Finanical. On XX/XX/23 I purchased the vehicle and shortly after leaving the lot the check engine light appeared. Once I finally got it home oil had leaked on to my driveway. i made several attempt to reach out to my salesperson and the manager with no success. I made a visit today to cancel the purchase and get my deposit and they told me neither option was avalable. They promised to fix the vehicle but I would rather get my refund and return the car and be released from the contract
Consumer complaint received 2024-06-26
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: Experian Information Solutions Inc. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (CA)

Chime set up a new account using a fraudulent application for account with my personal information without my consent or knowledge, current balance XXXX ( XX/XX/2023 ). 

Chime sending Visa Credit card associated with fraudulent account without my consent or knowledge ( XX/XX/2023 ). 

Chime support refused to freeze or delete account that I identified using provided email information, verified email address and phone numbers ( 2 part identification ) ( XX/XX/2023 ). 

Upon sign in and verification at Chime site, Chime will not terminate account attached to " Visa '', " XXXX XXXX XXXX XXXX '' and/or " XXXX XXXX XXXX XXXX. ". 

Chime gains access to banking services through " XXXX XXXX XXXX XXXX. '' and/or " XXXX XXXX XXXX XXXX. ''
Consumer complaint received 2024-06-26
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. (FL)

I have reviewed my credit report and there is unauthorized inquiries on my profile- I have never applied for all the inquiries I have on my file. please see below - XXXX Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERAN INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX XXXX Debt : Debt collector : TRANSWORLD SYSTEMS INC Balance {$1100.00} Balance updated XX/XX/year> This debt has been reported to All three Credit Bureaus. This Debt was challenged ( Disputed ) by me as being identity theft and Fraud. Please see the attached document for further details. Please note that all three credit bureaus failed to verify how the Debt collector verified that this consumer lived in the State of Florida and did in fact create the debt as reported. All three credit bureaus denied removing said debt from this consumers Credit Report
Consumer complaint received 2024-06-26
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: Experian Information Solutions Inc. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-26
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: Experian Information Solutions Inc. (OH)

I am writing to formally dispute several inquiries that have been reported on my credit file, which I believe to be unauthorized. These inquiries appear on my credit report and were not initiated or authorized by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT According to a certified mail receipt, the credit bureaus received my dispute regarding all accounts relating to XXXX XXXX on XX/XX/year>. I sent an affidavit to XXXX XXXX explaining the inaccuracies listed on my credit report as well as duplicate accounts. These concerns raised questions around the reliability and validity of the information reported by this company, so I requested validation of all debts associated with XXXX  XXXX. These debts included : XXXX XXXX, ACCOUNT NUMBER : XXXX ( duplicate account ) XXXX XXXXXXXX, ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, ACCOUNT BEGINNING IN : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX ( duplicate account ) On XX/XX/year>, I noticed XXXX XXXX XXXXXXXX credit card accounts removed from my credit. On XX/XX/year>, I received an email directly from the company stating they received my dispute regarding the auto loan. No mention of the XXXX XXXXXXXX credit cards listed in the dispute. My Experian dispute center does not show a dispute reported for the credit cards which were removed and my XXXX results returned stating disputed items not currently reporting on your file. '' However, they were REMOVED from my credit file. In addition to that, the XXXX XXXX XXXX collection was the duplicate I was referencing which is still on my account. Then a collection under the furnisheXXXX XXXX XXXX was then added to my account once these credit cards were removed. Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S. Code 1681e ( b ), which states bureaus must assure maximum possible accuracy of the information in a report, I requested validation of these account due to inconsistency in account information amongst the reports. Which was not validated, resulting in the removal and further confirmation that the furnisher understood the FCRA violation. Also, under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S. Code 1681s2 ) both the bureaus and the creditors have an obligation to report disputes accurately. That was not done in this case resulting in another violation of FCRA and showing the companies lack of due diligence in credit reporting.
Consumer complaint received 2023-06-15
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. (GA)

As I look out my credit report, I had found out that there are some account that need to be corrected on my credit file. The fact is, this account seems to be inaccurate as well as the accuracy. So in this way, I am complaining for you to investigate this issue. According to Fair Credit Reporting Act Section 605b, it was the responsibility of the XXXX credit bureaus to correct the accounts on someone's credit file. Kindly correct this account immediately : XXXX XXXX Balance : {$660.00}.
Consumer complaint received 2023-05-11
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. (PA)

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 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 2023-05-09
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: EQUIFAX, INC. (VA)

I discovered that some of the information on my credit report was inaccurate after looking into it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3credit bureaus must verify the items. ( A ). If no proof is provided within the legal time frame, the reporting items can not be treated as unconfirmed information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-28
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (MO)

XX/XX/XXXX When my contract for my new vehicle was opened. 
I Traded In My Old Vehicle ( Which Was A XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX was {$4000.00} and I Only Got {$2000.00} For A Trade In. Which Was Unfair Pricing. 
-Over Reading My Contract I See That My Consumer Rights Were Violated -15 Us Code 1605 - States That There Should Be No Cash Included In A Financed Charge And The Dealer Knowingly Charged Me A Down Payment -15 Us Code 1602 ( L ) - States That My SSN and signature was used to complete this credit transaction meaning the card was already paid for. 
There are a couple more violation in my contract as well.