davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

NATIONAL CREDIT SYSTEM INC has been reporting an negative account on my Consumer report since XXXX XXXX  with attached balance of {$3200.00}. I do not know who this person is/are and have not given permission to to obtain any of my personal data. This leads me to confusion particularly to how said debt is owed. The said debt is being verified by XXXX, XXXX, and XXXX somehow as valid. I have disputed the issue with all bureaus and have not been successful in resolving the matter. In addition to multiple letters sent to XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  which resulted in being returned and XXXX XXXX XXXX. XXXX, XXXX  XXXX with no response. Interestingly the Bureaus have been able to communicate with NATIONAL CREDIT SYSTEM INC and confirm said debt is valid. Per FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) items excluded on a consumer report include a report containing information solely as to transactions or experiences between the consumer and the person making the report. NATIONAL CREDIT SYSTEM INC, XXXX, XXXX, and XXXX are in violation of the law by reporting such transactions. 
Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d Legally Permissible Purposes. The FCRA allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : XXXX. In response to a court order or XXXX XXXX XXXX subpoena. 
XXXX. In accordance with the written instructions of the consumer. 
XXXX. To a person, including a financial institution, that the agency has reason to believe intends to use the report as information for any of the following reasons : a. In connection with a credit transaction involving the consumer ( includes extending, reviewing, and collecting credit ) ; b. For employment purposes ; XXXX c. In connection with the underwriting of insurance involving the consumer ; d. In connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality that is required by law to consider an applicants financial responsibility ; e. As a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation. 
f. Otherwise has a legitimate business need for the information : i. In connection with a business transaction that the consumer initiates ; or ii. To review an account to determine whether the consumer continues to meet the terms of the account. 
iii. In response to a request by the head of a State or local child support enforcement agency ( or authorized appointee ) if the person certifies various information to the consumer reporting agency regarding the need to obtain the report. ( Generally, this particular purpose does not impact a person, such as a financial institution, that is not a consumer reporting agency. )
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report is NOT included on the consumer reports. Transunion is reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of metro 2 compliance. PROVIDE me with the metro 2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from consumer reports effective immediately. BEFORE you think you can reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. SOME of the negative accounts have been placed in collection/charge-off status WITHOUT mailing me a copy of the internal revenue service form 1099-C cancellation of debt. TransUnion and the creditors reporting collections/charge-offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC 6050P Returns Relating to the cancellation of indebtedness By certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Informational Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against All entities involved
Consumer complaint received 2021-05-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Consumer complaint received 2023-09-11
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-13
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: JPMORGAN CHASE & CO. (IL)

In accordance with the fair credit Reporting Act, XXXX  Account # XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX XXXXXXXX ), XXXX ( XXXX ), XXXX ( JPMCB ), XXXX ( JPMCB ) has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer card plan as late for any purpose.
Consumer complaint received 2023-09-11
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. (NV)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Systems. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer however I never received any validation of the debt. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation of the full debt that is claimed to be owed. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.
Consumer complaint received 2023-09-11
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: EQUIFAX, INC. (NV)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XX/XX/XXXX
Consumer complaint received 2023-09-11
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. (OH)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MS)

I had made calls to Regions Bank in the XXXX and XXXX time frame for issues with them charging me overdraft fees after I would check my account and it stated funds were available. I had called they told me that the other transactions hadnt posted yet and thats why I was charged an overdraft fee since they had all cleared and put my account in the negative. I thought that was strange since the available balance had shown I had sufficient funds when I would make a transaction. Overdraft fees were at the {$36.00} amount each time it would happen. I didnt think there was anything that I could do about it, so I left it alone. However, due to the current settlement, I found that I was actually the one in the right.
Consumer complaint received 2023-09-11
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: Mercedes Benz Financial Services (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
MERCEDES BENZ FINANCIA XXXX and MERCEDES BENZ FINANCIA XXXX has been reporting late payments on my report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MERCEDES BENZ FINANCIA customer service representative.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I have contacted Equifax, XXXX and XXXX to request that any Security Freeze be lifted from my credit reports immediately. A month later XXXX XXXX  requested copies of my scores for a credit card account and I was advised that they are unable to pull my scores due to a security freeze. 
I need assistance as I am being given conflicting information.
Consumer complaint received 2021-05-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Synergetic Communication Inc (CA)

On XXXX XXXX in a pre-recorded conversation with XXXX XXXX Services Rep stated that my account was closed as vehicle was sold at a auction in XXXX XXXX, California around XX/XX/XXXX and XXXX XXXX vehicle was sold for {$20000.00}. 
I respectfully requested for a accommondation on my ADA Disability Act under Department of Justice and allow me to trade vehicle for another vehicle that is more affordable and make affordable payments because of financial hardships, Disability and Covi19 Family Pandemic issues. 

I was able to take XXXX XXXX back to the dealership in XXXX, California in XX/XX/XXXX and XXXX Dealership rep checked the XXXX XXXX XXXX Value of the vehicle and it was only {$14000.00} and XXXX XXXX XXXX didn't want to take the offer from the dealership. 

So XXXX XXXX XXXX sent their third party Tow Truck to reposses and recover their vehicle at my place of residence and Sold it at a Auction in XXXX XXXX, California. I had some personal things in the vehicle trunk that I spent about {$200.00} worth of tools, Car jump cables, water cooler and misc.items. I wasn't given opportunity to recover my personal belongings. 

I wasn't allowed as a XXXX XXXX XXXX XXXX XXXX to keep he vehicle and make affordable payments of {$300.00} a month until the Auto Loan is paid as I wasn't able to refinance because of my credit issues during XXXX Pandemic. 

On XXXX XXXX I was directed to Synergetic Communication XXXX XXXXXXXX in XXXX, Idaho, and spoke to a rep Ms.XXXX XXXX and she asked me for my Social Security and Physical Address and contact number information and I respectfully requested for collection company information and a fax number and I was given their information. 
Here is their address Synergetic Communication XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fax number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and third party collection companies has put Derogatory Negatives Remarks of collection and repossesion on my XXXX, XXXX and XXXX 
I am XXXX Lifetime and Retired and my Disability Pension Retirement is protected un der Federal and State Laws and this debt of {$5200.00} is uncollectable as vehicle was sold and XXXX XXXX sold their vehicle.
Consumer complaint received 2023-09-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc. (CA)

The car was financed in 2018. The broker assigned the loan soon after. I submitted papers with CFPB and Consumer Portfolio Services stating the Title 15 code violations committed by Consumer Portfolio Services. I am the creditor and lender of the loan. I have listed the abusive practices and alleged conspiracies to done to me. Abusive debt collection practices, willfully accepting assignment of a loan, property and security. In a Consumer Credit Transaction Consumer Portfolio Services committed forms of identify theft by falsely claiming and assuming vital roles as the creditor, lender and beneficiary and Trustee. I am the creditor, and lender of these funds.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act this creditor XXXX has violated my Rights, under Act 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15. Act 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. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-11
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-09-11
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act this creditor XXXX has violated my Rights, under Act 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15. Act 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. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-11
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. (IA)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
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. (IA)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

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 2023-02-12
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. (FL)

Remove the inquiries that are enclosed in the attached documents per written instructions by the consumer as mandated by federal law 15 USC 1681b ( 2 ). I have attached my license for identity verification.