davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I looked at my credit report, and I noticed several inaccuracies with XXXX of my accounts. This account is reporting late payments and different dates for date opened XX/XX/year>, and XX/XX/year>. These inaccuracies are seriously hurting my credit score and my ability to obtain credit. I need these lame payments removed or delete this account from my credit score. Account Name : XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (TX)

Amount of XXXX from your credit report. 
In response to your dispute, this item was DELETED from your credit report.

CMRE FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PR)

XXXX XXXX report XXXX. After several tries to get the XXXX XXXX ( XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the XXXX and XXXX files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.
Consumer complaint received 2024-05-26
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. (RI)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This item is reported incorrectly and should be deleted. I should receive {$1000.00} for each error found on my credit file.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transactions are being reported on my consumer report by XXXX XXXX that are excluded by Federal law. The law clearly states its illegal to report transaction history.

15 USC 1681 a ( d ) [ 2 ] ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; There are several transactions being reported in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ), which states that transactions between the consumer and the person/CORPORATION making the report is not included on the consumer reports however they are still being reported by First Premier.

Also, 15 USC 1666b ( a ) 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. 

Reporting such information non public personal information on my reports is a violation of the PRIVACT ACT of 1974 ( 5 U.S. Code 552a ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency including but not limited to, his education, ,financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure. No agency shall disclose any record which is contained in a system of records by any means of communication to any person or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

I never gave anyone written consent to provide my non public personal information including but not limited to transaction history, utilization, payment history, credit limit, ect.. to a non affiliated 3rd party.

The reporting of this information was strictly without my consent and as a violation of my right to privacy that is afforded to me as a federally protected consumer 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLSOURES OF PERSONAL INFORMATION.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

As documented in my complaint XXXX, filed XX/XX/year>, JP Morgan is continuing to spam me with 6 different emails ( rather than 1 ) per notice, per account. This has been going on over a year and I have spent several XXXX hours now trying to resolve this. Some mornings when I wake up, I have 40 or 50 emails from JP Morgan due to the duplicate sending error. I have attached a recent example from this morning ( XX/XX/year> ) showing how they emailed me 6 different times ( 4 times on one email account, 2 times on another email account ) to let me know my billing statement is ready. They do this for each account, meaning 20 emails today, as just today 's example. This spam must stop. I should receive only ONE email per notice I am enrolled for. I have been fighting with Chase continuously and no one fixes this.
Consumer complaint received 2023-11-14
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. (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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX 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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (TX)

I see that One Main Financial is showing as a inquiry on my XXXX credit report from XX/XX/year>, I did not inquire anything with One Main Financial, it must have been someone else, and I am just becoming aware. I have filed a complaint with identitytheft.gov as well.
Consumer complaint received 2024-05-25
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. (PR)

The following hard inquiries are fraudulent and need to be removed : 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 2024-05-25
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. (AR)

I have reviewed my consumer reports and noticed I have two late payments on an account that i was never late for. The consumer reporting agencies have assured a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in on dates of ( XX/XX/XXXX, XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX  XXXX agreed to remove the cox communications of my credit report. 
XXXX XXXX XXXXXXXX is reporting an account that i didnt open and capital one removed it, it was open when i was in XXXX 
XXXX XXXXXXXX agreed to update the late payments i wasnt late and that was over 30 days ago. 
XXXX agreed to do a pay to delete and they took my money without updating my report. 
XXXX XXXX has inaccurate info, balances, dates, amounts
Consumer complaint received 2024-06-07
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. (FL)

FCRA 605B seems to require us to remove any incorrect accounts from my credit report. Could you verify the documents? Some of the accounts listed contain inaccuracies in reporting, such as incorrect amounts and dates.
Consumer complaint received 2024-05-26
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. (MD)

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

15 U.S.C. 1681 section 602 A. States i have the right to privacy 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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 2024-05-25
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. (NJ)

1. Im disputing this item because According to the FCRA 605b law this was not Authorize to report on my credit report Transunion need permission to report this on my credit report which I did not give them permission OR Didnt provide them with a written letter to report this on my credit report to do 2.This is a violation of 15 U.S. Code 1681 ( 9 ) Removal of inaccurate/invalidated credit information. Please remove it immediately.

3. How is this keep coming back verified when none these company can send me proof of a Purchased Agreement, my wet signature and ID verification. So delete this inaccuracy from my report.

DELETE THIS IMMEDIATELY BEEN OVER 30 days OR I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k
Consumer complaint received 2024-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
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)

My payments are consistently on time, and I have no doubts about this. I ensure prompt payments and maintain accuracy in this. Please update my accounts to remove any late payment remarks from my credit report.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I sent a letter on XX/XX/XXXX requesting you to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$230.00} XXXX XXXX XXXX XXXX XXXX  {$8000.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXXXXXX XXXX XXXX {$410.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please comply with the Fair Credit Reporting Act section 605b nad have the disputed items removed as soon as possible.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

FCRA 605B stipulates that any incorrect accounts must be taken off my credit report. This account is wrongly reported, so please remove it. I am entitled to {$1000.00} for every inaccuracy on my credit file.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I looked at my credit report, and I noticed several inaccuracies on one of my accounts. These inaccuracies are severely hurting my credit score and my ability to obtain credit. 

In accordance with The Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A states section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
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. (FL)

I have always ensured payments on this account are made promptly, avoiding any overdue status. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be addressed.
Consumer complaint received 2024-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im disputing this item because According to the FCRA 605b law this was not Authorize to report on my credit report XXXX need permission to report this on my credit report which I did not give them permission OR Didnt provide them with a written letter to report this on my credit report to do This is a violation ef 15 U.S. Code 1681 ( 9 ) Removal of inaccurate/invalidated credit information. Please remove it immediately.

How is this keep coming back verified when none these company can send me proof of a Purchased Agreement, my wet signature and ID verification. So delete this inaccuracy from my report.

DELETE THIS IMMEDIATELY OR I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k
Consumer complaint received 2024-05-25
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. (TX)

I RECENTLY WAS DENIED FOR A MORTGAGE LOAN DUE TO THE FACT THAT I HAVE AN INACCURATE CREDIT REPORT. NOT ONLY IS THE ITEMS INACCURATE BUT THEY DO NOT BELONG TO ME. EACH CREDIT BUREAU VERIFIED ACCOUNTS THAT ARE STILL REPORTING INACCURATELY AND FRAUDULENTLY. I KNOW AFTER EACH BUREAU VERIFY AN ACCOUNT THEY MUST PROVIDE ME WITH XXXX. The name of the original creditor XXXX. The creditors address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation original contracts used to validate the dispute. 
XXXX. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING. I NEED THIS INFORMATION SENT TO ME IMMEDIATELY AND IF YOU CANT PROVIDE ALL OF THIS THEN I NEED ALL ACCOUTS REMOVED EXPEDITIOUSLY!!!
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

TransUnion Credit report XXXX. After several tries to get the XXXX XXXX ( XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the XXXX and Transunion files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.