davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

TRANSUNIONit is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/2022, TransUnion has XX/XX/2022, XXXX has XX/XX/2022. All three can't be accurate or correct. FCRA requires you to fix it or delete it. 

ATTACHMENTS
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I see an item on my credit report showing up a I C Systems. I dont know who or what that is. Then when I look deeper I see XXXX XXXX XXXX. Again I dont know who this is. The credit bureau claims to have verified the information on my credit report. I dont understand or see how. This is not my debt.
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$250.00}
Consumer complaint received 2023-07-18
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. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$47000.00} Closed Overview You have 100 % left to pay on this loan. 

Balance {$47000.00} Highest Balance No Info Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Term 72 months Payment History XXXX made 78 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/XXXX days late XXXX Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-09-09
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. (FL)

I have already tried to dispute these several account with the credit bureaus but they're a not doing their job. I haven't received any proof regarding their information they are inaccurately and negatively reporting on my credit reporting file for these accounts. This is very fusturating because I know for a fact they are violating FCRA laws and Metro 2 compliance standards. I have challenged these items time after time and still they are harming my credit reporting. I need them to do a proper investigation and remove all information that is not correct and provide me with physical proof. These are the accounts listed below I have attached my credit report and letters XXXX XXXX XXXX XXXX XXXX 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 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

Chase failed to provide compensation for XXXX Class Action Services, amount is {$1700.00}, as indicated in their letter dated XXXX XX/XX/2018. Chase cheated with the settlement, promised by federal court and significantly delay payment so that victims eventually forget such a payment. It is illegal and fake practice by Chase. Chase Rewards, Program Settlement, XXXX. XXXX XXXX, XXXX, RI XXXX.
Consumer complaint received 2023-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: The J. G. Wentworth Company (NY)

When I was younger I was contacted by JG Wentworth and sold them my structured settlement. I was mentally unstable and made this decision carelessly. I sacrificed alot of money to get a lump sum and regret it everyday. I was supposed to receive XXXX dollars a month until I turn XXXX so they are still collecting my money.
Consumer complaint received 2023-04-21
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-10-12
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. (LA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-12
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)

They are report inaccurate information and violating my privacy rights. On top of that I never gave consent to anyone to share my personal information with anyone or my transactions. Not only that I have sent numerous letters in to resolve this matter but no one has sent me the information that I requested. My last dispute was XXXX XXXX and they never replied back or sent the information I requested.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (UT)

Chase card is reporting a late notation for XX/XX/20 and ask that they please remove it. Due to Covid, I suffered financially and have done my best to stay current and make all my payments on time. Prior to this, I had no lates and have not been late since. I was just having hard time with the holidays and my hours being cut because of Covid. I was surprised to see that Chase is still however, reporting lates on credit during a time of hardship for people. Under the CARES act creditors were supposed to take lenience on credit reporting because of events surrounding the pandemic. I ask that Chase please take leniency on my hardship and remove the XX/XX/20 late as a one time goodwill adjustment.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (MI)

ONEMAIN account # XXXX have 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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-09
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. (NY)

Copy and paste this : I have recently checked my credit report and noticed that there is a fraudulent/ unauthorized credit account on my credit report with a balance. Im unaware of the opening of this line of credit. I have contacted the company and I was told that I need to dispute any inaccuracies with the credit bureaus. I have contacted the three major credit bureaus without any resolution. I want this removed from my credit file because its considered unfair and inaccurate credit reporting. I have also listed the 3 credit bureaus in this complaint. Please remove this inaccuracy or send me proof I have opened any line of credit with such company
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Copy and paste this : I have recently checked my credit report and noticed that there is a fraudulent/ unauthorized credit account on my credit report with a balance. Im unaware of the opening of this line of credit. I have contacted the company and I was told that I need to dispute any inaccuracies with the credit bureaus. I have contacted the three major credit bureaus without any resolution. I want this removed from my credit file because its considered unfair and inaccurate credit reporting. I have also listed the 3 credit bureaus in this complaint. Please remove this inaccuracy or send me proof I have opened any line of credit with such company
Consumer complaint received 2023-09-09
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. (FL)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX Balance : {$6300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXXXX Balance : {$6100.00}
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-05-03
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. (MD)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX Balance Owed : {$0.00}XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing several accounts with Transunion for quite some time. Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. Not a bill but something with my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. The guidelines provided by FCRA are clear. This shows that Transunion are violating my rights under this law. I sent out two separate letters to Transunion and tracked delivery for confirmation that they received my dispute. Attached Is a blank copy of the letter I sent. 
The disputed items are as follows : -XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/XXXX
Consumer complaint received 2023-09-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

They contacted me by phone, XXXX. Tried to scare me that they worked garnish wages, take our assets, go to jail, be sued. Then after I asked them not to call anymore, it email, I sent them a crease and desist in contacting me, along with my spouse, as it was starting to become a harassment, multiple calls and multiple people staying they would do all the above even after i told them we don't have it. They kept contacting me. I tired to work with the prior credit card company but we just didn't have it with XXXX  and 1 person working, even with the hardship. Then with the debt collector i tried to tell them the same thing. 
But they didn't want to work it out, they wanted it all. They called many of multiple times. And our home. I don't have specific days but I'm sure that we could get at & t wireless to give us a copy of our call list and you'll be able to see all their calls. They are taking us to a court mediation. But I've got proof that I sent them a fax to cease and desist calling or contacting, and sent them a debt validation letter that went past the 20 days of response.
Consumer complaint received 2023-09-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (OR)

I found a collection debt on my credit report was reported by Amshercollectionservices was amount for {$200.00}. XXXX number XXXX. i call number. talk with some one from customer service. she ask my info said she couldn't look to see who the accounts from until i give her bank or credit card to withdraw XXXX dollar to check my credit report. so i ask her several times why do you need my bank card # she said couldn't help until i authorize her XXXX dollar from a credit card. so was still unsure she said well can't help you until i get the card to use call her back when i do. so i felt presser so i gave her my account # then she said now bank with decline so i have to contact bank let them no i Accept before i can continue. so like i fool. i did it. so little did i know soon as i had contact them collection company I received a email saying i sign up for identity membership. 7 XXXX trail for XXXX dollar then XXXX monthly. that call back cost me {$190.00} and XXXX a month for a credit counseling. on my bank account its say it from XXXX XXXX  from XXXX Nv. it was just a trick to catch me off care and sign up from something i couldn't afford. i called them to find out if this is my debt and to find out how to get off my credit report. it not collection company it was a credit counseling. i feel so stupid that they trick me! not even sure if its true debt? she keep saying they take take care of the debt and she already seen description and it showed XXXX XXXX. but in order to take care of it they have offer for {$290.00}. and said contact boss he said he lower it to XXXX. it was just a scam i am on XXXX  i contact them to get info about the amount being on my report. and land up being charged for a credit counseling called XXXX from XXXX NV. now i am trying to get my bank to stop payment. but i problem going to loos that {$190.00} + {$1.00} its just so dirty of this collection agency. i am XXXX XXXX  and XXXX for trusting the credit report information. thank you for your time XXXX
Consumer complaint received 2023-05-03
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. (CT)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Also, I want to dispute this account XXXX XXXX XXXX XXXX You are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. Please correct these accounts.