davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (IN)

Since 2023 I have been writing and calling National Credit System to demand validation of this alleged debt pursuant 1692g, by requesting the original purchase agreement bearing my signature and the signatures of the party they claim to represent. I also asked them to provide proof of ownership of the debt and proof that they have a license to collect debt in INDIANA & the 1099-C that was used by their alleged client to Discharge this alleged debt that I am owed by law. I also requested proof of any letters I would have written to National Credit System bearing my wet signature giving my express written consent to them to report this alleged debt to my consumer reports pursuant 15 USC 1681b ( a ) ( 2 ).

National Credit System ignored ALL of my request and just auto verified this alleged account as validated and accurate without providing any proof of claim. This has caused great unwanted mental stress. The client they claim to represent Dismissed this case in court due to lack of jurisdiction and possible tax fraud, yet National Credit System continues to collect of an alleged debt. National Credit System also denied my request for complete accounting per 9-210 & a Securitization audit from their clients pursuant 2-609.

So as of today pursuant the Fair Credit Reporting Act, 15 USC 6802 & 16 CFR 313.7 ( f ) I called National credit System on a recorded line to Express my rights as a Federally Protected Consumer to OPT-OUT of all authorization I may have given them written, unwritten, verbal or non-verbal to sharing my " Non-Public Personal Information & my Non-public Financial Information '' to any non third parties or non affiliates immediately. I informed them the phone call was recorded and that they had 72hrs to remove this alleged information from all consumer reporting agencies, secondary consumer reporting agencies and whom ever they reported this alleged negative information to. National Credit System will not be doing anything and totally ignore my rights to OPT-OUT and they would keep reporting it. 

Please help investigate this15 USC 1681b ( a ) ( 2 ) violation and their willful non compliance and disregard for the Fair Credit Reporting Act. I will upload phone call and all laws as proof of their willful non compliance and my rights as a federally Protected Consumer pursuant the Fair Credit Reporting Act, Fair Debt Practices Act, 15 USC 6802 & 16 CFR 313.7 ( f ). I will be seeking compensation if this is not handled by the CFPB. They are fully aware that this case was dismissed and the information they are reporting is inaccurate but continue to report it, which is a violation of 15 USC 1681s-2.

National Credit System is reporting transactional history on my consumer reports which is strictly prohibited by congress and 15 USC 1681a 2Ai. Please help as these clear violations have caused me grave harm financially & mentally, I feel as if my identity belongs to National Credit System now.
Consumer complaint received 2024-07-14
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 : XXXX Account # XXXX -Account : XXXX  Account # XXXX -Account : XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX  Account # XXXX -Account : XXXX XXXXXXXX Account # XXXX -Account XXXX XXXXXXXX Account # XXXX -Account XXXX XXXXXXXX Account # XXXX -Account XXXX XXXX XXXX Account # XXXX -Account XXXX XXXX XXXX Account # XXXX -Account XXXX Account # XXXX -Account : XXXX Account # XXXX -Account : XXXX XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXXXXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX Account # XXXX , has violated my rights. 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. 16815-2 ( 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 2024-09-07
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. (VA)

I am writing to report an XXXX XXXX issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my fi le. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX  Account XXXX  XXXX amount XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Amount {$750.00}, XXXX XXXX Account XXXX  XXXX Amount {$540.00}, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account {$23000.00}, XXXX XXXX XXXX # XXXX, XXXX Inquiry on XX/XX/2022XX/XX/year>
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: American Credit Acceptance, LLC (AL)

I bought this car in XXXX of 2023 I paid {$4000.00} down payment then when my payment was only {$3000.00} left the dealership sold it to the credit union I .did n't know they did this, without telling me .the credit union never sent me a letter welcome package.. I dont did any agreement or contract with them. I bought car from XXXX XXXX. Buy here pay here.. I paid off 80 % payments.. now American Credit Acceptance company took my car. Now they force me for pay them {$4000.00} for car back .. Im helpless. I cant continue my job without car. I cant afford that much. Im in financial hardship.. I have all the documents. I make dispute on credit bureaus. Its under investigation. Still they dont took my car force me and treated me.. I dont buy from American and I dont have any agreement with American Credit Acceptance.. I tried to contact them and request them but no solution.. please help me out get my car back. I dont want loose my job and I dont want to homeless..my family depends on me..
Consumer complaint received 2023-04-11
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. (MS)

Do not mark as Duplicate, this is an unresolved issue. Around XX/XX/2022 XXXX  XXXX pulled my credit profile without a credit application. please advise to send copy of credit application. if they can't provide proof of my verified information, then they lied in their investigation.
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I already have disputed this account multiple times for the last 8 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from XXXX bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX Equifax and XXXX. They ( XXXX XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received an email corespondence on XX/XX/XXXX, XXXX  Their response was a " canned '' response that " The information you disputed is accurate and complete, so we must decline your request that we modify or delete the disputed information '' A second letter was sent today ( XX/XX/year>XXXX  ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (MN)

To Whom It May Concern, After reviewing my consumer credit report, it is clear your agency is in multiple violations, and I am entitled to monetary compensation under FCRA 15 U.S. Code 1681s-2 and 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Your agency has furnished reports in connection with credit or insurance transactions not initiated by me, the consumer. The law is explicit : ( A ) The consumer must authorize the agency to provide such a report. 
( B ) ( i ) The transaction must consist of a firm offer of credit or insurance. 
( 3 ) A consumer reporting agency shall not furnish a record of inquiries in connection with a credit or insurance transaction not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( 2 ), any person obtaining a consumer report under pretenses or knowingly without a permissible purpose is liable for actual damages or {$1000.00}, whichever is greater, plus punitive damages as the court may allow. I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report.15 U.S.C . 1681b : Permissible Purpose of Credit Report. I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Consumer complaint received 2023-05-19
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$260000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00} This is my follow-up to my previous complaint.
Consumer complaint received 2024-09-06
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)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-09-07
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)

I have one open up to date account with XXXX XXXX that I dont want touched. My goal is to rebuild my credit. 

I have 2 accounts with XXXX XXXX that were added in my XXXX XXXX XXXX dated XX/XX/XXXX. These 2 accounts show derogatory payment plan in bankruptcy and also show 2 negative accounts on my credit report. 
It says negative pay status ; what status I completed my bankruptcy payments in XXXX XXXX. It was XXXX XX/XX/XXXX. 
I want the two old inaccurate reported accounts removed from my credit reports.
Consumer complaint received 2024-06-21
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: EQUIFAX, INC. (TX)

I would like to dispute off the following items on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX - XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX I Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

you are reporting the incorrect balance and credit usages on my credit report. You have XXXX XXXX, XXXX, transunion and credit seames reporting inaccurate information which is effecting me from getting a mortage loan. 
I have also paid all three credit collections on my credit and asking that they are removed off my credit report. 
I have 12 credit card reporting XXXX balances and you are reporting incorrect balances
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

I have filed plenty of disputes because I have been a victim of identity theft I have even filed a claim with the federal Trade commission because my identity has been used for multiple credit accounts without my knowledge of and I would like them disputed because the person behind this has gotten all of these accounts closed and now its affecting my credit in a negative way!
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (NY)

In XX/XX/2023, I made the mistake of falling for a fraudulent job offer that was a XXXX XXXX job within my XXXX emails. In my " job, '' I was to use my bank account to deposit fake checks and send them to various accounts through XXXX. Once I realized my error, TD Bank froze my checking account due to fraudulent activities and bounced checks, which had stolen around {$600.00} to {$750.00} from me. TD Bank did not give me any chances to explain my situation and had me pay back the bank around $ XXXX, which I had done once I could. After I had paid back the bank, my account was fully closed. The problem begins from there. After paying around {$1000.00} with the support of my parents due to being a XXXX XXXX XXXX at XXXX XXXX XXXX, I was allowed to open new accounts and continue my relationship with TD Bank. I opened two new accounts around XXXX, a checking account and a savings account, with the bank teller despite him seeing a warning code. Regardless, my new accounts were set up successfully, with the exception of me being able to use online banking, which I was told I could sign up for after a few weeks of using my new accounts. I waited a month or so and had no problems using my accounts for anything but online banking. My transactions went through flawlessly, and no calls or warnings were made. I stayed within what I could afford and saved as I was still XXXX XXXX XXXX 
After waiting for some reasonable time since my checks kept coming in, I decided to head into the TD Branch to resolve my online banking issue, but I could not work through it. From there, my teller contacted another team by call and informed me that he would call for any updates regarding my online banking. The following day, I tried to make a purchase multiple times, and it did not go through, so I walked into my local branch the next day and met with my teller to be informed they had closed my account without giving me a reason. My account was working just fine before I went in to fix my online banking, and if it were due to my being a fraud victim on my previous account, then my relationship with TD Bank should have ended immediately. Instead, I was issued a new account for it to be closed after four months, which makes my XXXX XXXX XXXX score XXXX, which blocks me from many banks, including XXXX XXXX. I am being barred from banks due to TD Banks ' miscommunication. I have been facing trouble banking due to my mistakes as an XXXX, which I longed paid for, but also due to TD Bank falsely allowing me new accounts to be closed without any given warning or reason.
Consumer complaint received 2023-08-27
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: Experian Information Solutions Inc. (FL)

I submitted a dispute into Experian reporting unreported/unverified information on my public record on XX/XX/23 meaning that Experian 's deadline to respond was XX/XX/23 but Experian did not respond until XX/XX/23. This is a violation and as a result these items must be removed per FCRA.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I was shorted XXXX XXXX points on my XX/XX/2017 statement. 

I emailed Citibank XXXX Rewards Customer Service, but NEVER received a reply. 

On XXXX XX/XX/2017, XXXX XXXX from Citibank stated she would respond within 14 days. She NEVER did ... ... 

I was then told by Citibank to contact XXXX. Again, I never received a reply. 

Please explain why I was shorted on my account by return letter to my account address.
Consumer complaint received 2024-05-30
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: EQUIFAX, INC. (NV)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my report, I identified an accounts that inaccurately reports late payments. I have contacted the company associated with these accounts, and they confirmed that the late payments were errors and agreed to update my accounts and remove the late payments. 
I would like to point out that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

The following accounts in question is : XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2019-03-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Peerless Credit Services Inc (PA)

Peerless Credit called my direct line at work 4-5 times. The first call I chose not to identify myself and he mentioned he would call back. I was not at my desk for all of his call attempts, prior and post speaking with him. When I took his ( assuming ) last call for today, I asked him to identify the nature of which he was calling. He mentioned it was personal and I told him we were not permitted to take personal calls at work. He informed me he spoke to someone earlier ( me ) and that they said it was okay. I told him I was under no obligation to identify myself to him while at work, and that he was not permitted to contact me during work hours and could call my personal phone number. He then told me he would be telling the debt originator that I was refusing to pay, among other things. I told him that I never said I refused to pay, rather that I didn't want to be contacted on my work line and that he was not authorized to call me on that number. I asked if the calls were recorded because that would serve as proof that I never refused anything, and tried to offer an alternate contact number. He continued to raise his voice and hung up on me.
Consumer complaint received 2024-07-13
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. (VA)

I have disputed XXXX XXXX XXXX, 5-6 times with both Bureaus, TransUnion, XXXX. I settled the Debt on XX/XX/year>, I've called/ uploaded a Goodwill deletion letter, explaining the reason I couldn't make the payments is because I lost my job During COVID-19 CRISIS, CFPB I fill that both of these bureaus are holding this account over my head so that I can't obtain a mortgage loan. That is very unprofessional I will continue to take all necessary actions until this account is removed from my credit report.