davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
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: Experian Information Solutions Inc. (AL)

You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right.

The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after two written requests, is also evidence of your willful disregard of Federal Law.

Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request.

The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law, and the Court will order you to delete them.

You say that you have reinvestigated, and/or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is parroted information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of 1681 ( a ) ( 4 ) of the FCRA.

In my previous formal request and correspondence, I asked you to give me the name of the person in your company who verified the accuracy of these accounts, but you also ignored this request, which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ), if you fail to comply with this Federal Law.

I will repeat myself, and state that I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

Account name Account number roadrunner XXXXXXXX XXXX XXXXXXXX INQUIRIES I DID NOT APPROVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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

Account Name : N/A Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Accounts XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried disputing an item on my credit multiple times. I have reached outfit XXXX and requested proof and they can not provide any. I have disputed this asking Transunion, XXXX, and XXXX to investigate and show proof or remove this item from my credit. I still havent received any proof almost a year later and multiple disputes on each credit bureau website but the charges remain delinquent on my account. I want prod for this removed from my credit report.
Consumer complaint received 2023-10-13
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. (TX)

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Accounts XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My husband was texted by a company yesterday saying they were going to serve me ( his wife ) with papers for a lawsuit if I didn't immediately respond. When I called they gave me a reduced settlement option or a lawsuit. They threatened to serve me at work, and told me the debt was in the statute of limitations. Their phone number on the letterhead does not work, and I saw that a company with a similar, but not exact, name is on a fraud site. They call themselves XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Today I gave them my debit card number and paid the XXXXXXXX XXXX because I thought they might be legitimate. They pressured this resolution. They gave someone else ( my husband, but still not me ) the information initially. I want to know if they are legitimate.
Consumer complaint received 2023-10-13
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)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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. (DE)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. I disputed this with the credit bureaus and the accounts came back verified. I also asked the credit bureaus numerous times how they conducted the investigations in which I received no response or no proof of a legal or thorough investigation. I also found several inaccuracies with these accounts that are a FCRA violations. The inaccuracies are as follows : For the first XXXXXXXX XXXX XXXX account with a balance of XXXX the opened date states XX/XX/XXXX on my TransUnion report and XX/XX/XXXX on my XXXX report. This is inaccurate information. The date last active states XX/XX/XXXX on my TransUnion report and XX/XX/XXXX on my XXXX report. This is inaccurate information. Please delete the account. 

For the second XXXX XXXX XXXX account, the date open states XX/XX/XXXX on my TransUnion report and XX/XX/XXXX on my XXXX report. This is inaccurate information. The date last active states XX/XX/XXXX on my TransUnion report and XX/XX/XXXX on my XXXX report. This is inaccurate information. The balance states XXXX} on my TransUnion report and XXXX  on my XXXX report. This is inaccurate information. Please delete the account. 


The inaccuracies lead me to believe that no investigations were done in reference to these fraudulant accounts. The credit reporting agency can not properly verify that the information they have is correct. I have not received any contracts with my signature as well. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you in advance!
Consumer complaint received 2024-04-05
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. (MI)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I requested TransUnion to remove the inquires due to fraud, XX/XX/year> and sent fraud report and asked to to block all inquiries due to freeze I also asked to remove all information they I didn't give authority to post on my account anything that's over XXXX  years and I asked a full investigation properly the law states, FCRA section 605B it is illegal to report information on my credit report without my permission and I asked them to remove items
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: INTERCONTINENTAL CAPITAL GROUP (FL)

This Company gave me a hard ( regular ) Inquiry on my Credit report without my permission. I did not speak with anyone from this company, and never contacted them. I believe they are a fraudulent company that just sells your information to refinance/mortgage companies. This fraudulent Inquiry is negatively affecting my credit score. This company does not have any phone numbers that work, and if you look it up, 3 numbers come back- they all remain busy for hours, they never connect you to a live persons- it's all fake The Inquiry reads as : Intercontinental Capital via XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX it states it was for a permissable purpose : credit transaction ( not true, never spoke to anyone ) on XX/XX/20 ph. XXXX. XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-14
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (NJ)

I have contacted these companies on my credit report several times. None of them will remove their in accurate information from my credit report. I have reached out to their companies as well as I ask for information regarding the accounts that are associated with my name be removed from my account. I have paid these accounts in full. These accounts on my credit report were supposed to be took an off after making all payments in full. This is what the companies customer service representative and specialists are saying, but nothing is being done. I asked for documentation of these accounts, and the results of the paid status, and the removal of these accounts from my credit report they are not sending me any documentation and they are not removing them from my credit report as they said they will do so. They are reporting back to the credit bureau that they are refusing to remove this information and they will not reach out to me about why they will not remove this information as it is a resolve situation, prior to their agreement to remove. I pay all accounts off in full and on time. I should not have to suffer the inappropriate behavior of these companies lying to the consumer as they continue to promote negative credit status against the account holders.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2018-05-08
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX charges were made to my credit card without my knowledge or consent. On XX/XX/XXXX I noticed the charges on my credit card. I immediately called Chase, my credit card company to report the fraud. They did an adjustment for me while they investigated. On XX/XX/XXXX, the charges were placed back on my card saying the fraud claim was lost because I received benefit from the transaction. I immediately called Chase to dispute this and showed proof that I received no benefit. In fact, I was charged for something I did not receive. I received another letter on XX/XX/XXXX that stated that any future requests or correspondence regarding this matter, with the exception that it contains new information will be filed with your account records and you will not receive a response. I then contacted the company ( XXXX ) that we had a dispute against. They stated they received a chargeback from Chase and were out funds as well. They provided me with proof that Chase debited funds from them on XX/XX/XXXX, the same day I was charged for something I didn't receive. I'm not sure why Chase would keep the money and close our case, but I am a victim of theft. Chase states they gave the company back the money and the company should refund me, the company states Chase debited the money and they have no funds to refund us back for a purchase we didn't receive. They advised us to take it up with Chase. I did take it up with Chase and they refuse to talk anymore about the matter, even with faxed proof that we in fact, are being charged for goods, we did not receive. Thanks for your time and attention to this matter.
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (VA)

Southwest Credit Systems never contacted me about item they posted to my credit report and has not validated the debt, I called them and they said that the item they put on my credit is from XXXX years ago, I never knew anything about this debt until I checked my credit report. 
I did a quick check online and found many bad reviews about Southwest Credit Systems, this company is accused of harassment, scamming, fraud, verbal abuse, producing false documentations etc. 
I do n't believe that they are licensed to collect in my state and I have reason to believe that this might be a scam.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.