davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you well. I am writing to express my deep concern regarding the handling of my recent request to correct late open accounts associated with my account. 

I contacted your customer service department to address the issue of late open accounts that appeared on my account statement. These late open accounts, despite my consistent and timely payments, have negatively impacted my credit score and financial standing. Recognizing the urgency of resolving this matter, I sought assistance from your company to rectify the situation. 

Regrettably, the initial attempt to correct these late open accounts has been unsatisfactory. Despite providing all necessary documentation and details to support my claim, the resolution process has been slow and ineffective. The lack of urgency and attention to this matter is deeply concerning and has only exacerbated the financial strain caused by the late open accounts. 

As a valued customer, I expected a more proactive and efficient response from your company in addressing this issue. The failure to promptly rectify the late open accounts has not only affected my creditworthiness but has also eroded my trust in your company 's ability to fulfill its obligations to its customers. 

I urge you to take immediate action to rectify this situation. I request that you thoroughly review my account and expedite the process of correcting the late open accounts without further delay. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the financial hardships and stress caused by this oversight. I trust that you will handle this matter with the seriousness it deserves and provide me with a satisfactory resolution at the earliest opportunity. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$33000.00}.
Consumer complaint received 2022-11-12
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. (MI)

Account : XXXX XXXX This account has never had any late payments made by me. I have always had this account on autopay to take atleast the minium payment. I have not been in any sort of financial troubles. The current company is not the company that reported that missed payment. My account was sold to this company. I asked the furnishing company, XXXX, Experian and XXXX to provide me valid proof of a 30 day late payment. All these companies simply responeded by saying the account is valid and reporting accurately. I submitted a compalint back in XXXX of 2022 and the furnishing company just responded by saying the account is reporting accurate. I have also disputed with all 3 credit bureaus.

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 2022-11-12
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. (MI)

Account : XXXX XXXX This account has never had any late payments made by me. I have always had this account on autopay to take atleast the minium payment. I have not been in any sort of financial troubles. The current company is not the company that reported that missed payment. My account was sold to this company. I asked the furnishing company, XXXX, XXXX and Equifax to provide me valid proof of a 30 day late payment. All these companies simply responeded by saying the account is valid and reporting accurately. I submitted a compalint back in XXXX of 2022 and the furnishing company just responded by saying the account is reporting accurate. I have also disputed with all 3 credit bureaus.

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 2023-05-08
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Medical Data Systems, Inc. (NC)

I have opened a dispute in the past repeatedly about Medical Data Systems and their habits to continuously re-age their tradelines on my credit report year over year. They also have a habit of removing the tradeeline from the credit report all to be able to repost it and a new item. This year I am getting ahead of the game before they do this to me again. I have attached credit reports forXX/XX/XXXX form XXXX  as well as for XX/XX/XXXX. You will see that all of their tradelines were in one report reporting status updates months prior to the other report. Balance updates are being made with no updates to the balance, Absolutely nothing has changed up or down. They ahem done this for years which keeps my credit score stagnant and hovering never to increase more than being looked upon as a risky consumer. I have paid all of my bills one time for over two years. These collectors are always right at the end or turn of the years re-aging items to make them appear as though some change has occurred to make it more relative and a recent hit to my score. I don't know what else to do except to turn to your agency, This is the first part of my complaint. I am expecting them to now reinsert themselves onto my credit report with all four lines they have deleted all to be able to impact my score four times over! This has to be illegal. I have no idea who is intentionally doing this to me every year but I need it to stop. I need them blocked from my report with no allowance to have the debt they are collecting for to ever appear again due to their unfair practices of credit reporting. 
Company : Medical Data Systems Inc updated XX/XX/XXXX with no changes having occurred Company : XXXX XXXX  updated XX/XX/XXXX with no changes having occurred As I explained this is only the first part of my complaint to prove their practice of removing items from the credit report only to add it back all over again to negatively impact the credit score. By next 30-60 days, they will have re-aged the four tradelines they deleted in XXXX. I have no idea why they are allowed to do this to people.
Consumer complaint received 2020-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-12-30
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. (NY)

15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

XX/XX/2019 - I received an outstanding balance notification from " XXXX XXXX '', the property management company for " XXXX XXXX XXXX ''. They claimed damages without substantiation of the damage - no receipts or photographs were provided. The amount claimed was {$1800.00}. 

I responded by emails disputing the damages the same day and also on XX/XX/2019. XXXX XXXX   did not respond. 

I visited on site, entering the apartment, and observed that the major expense - claimed damage to a vinyl floor - was not present. I took photos. I sent a certified letter to XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  did not respond. 

My property insurance company provided me {$1000.00}, the policy limit for this type of liability. I forwarded the money to XXXX XXXX This reduced the amount claimed to {$550.00}. 

XXXX XXXX sold or contracted the " National Credit Systems '' to collect this claimed debt. I forwarded to national credit systems my dispute with XXXX XXXX, and asked them to validate the debt. 

" National Credit Systems '' failed to investigate or validate this debt. They simply forwarded an account statement provided to them by XXXX XXXX and stated that I had to prove the debt was not valid. 

As it is not possible to prove a negative, and it is on the creditor to prove a debt as owed, not on the alleged debtor to prove a debt isn't owed, this is abusive behavior. 

More than likely, XXXX XXXX is engaged in a wide scale generation of fraudulent damages claims for profit, where most departing tenants have false and inflated charges added to their accounts. And more than like, " National Credit Systems '' is aiding and abetting such abusive landlords.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX or XXXX of XX/XX/2022 ; I placed a temporary credit lift on my credit file of reference to that with TransUnion which is normally locked to look at utilising XXXX which is a distributed payment or purchase-loan affiliation program instituted to aid in payment spreading for larger level purchases associated with that of credit easing. Such was being conducted to examine purchasing bicycle to ensure for freedom of movement to the juxtaposition of local, regional, and national caging associated with organ surrogacy and trafficking related to that of affiliated persecutory actions of relation towards maintaining XXXX XXXX. Upon unlocking the credit with the actual provider TransUnion which is headquartered in the city of XXXX ; access to credit services were intentionally still being restricted by the company XXXX; essentially positioning through the caller support for the later consolidation of the firm and use of the collected audio fraudulently for the purposes of creating the auspices that submitted XXXX information was obtained by accidentally interacting with a fraudulent vendor and not the company itself. For example asking to submit debit card information upon intial callout when such had not been submitted to the application, nor would be prior to credit ascertations in support of nationally oriented and intentional financial restrictions of direct relation to nationally oriented organ surrogacy. Similarly the representative suggested to call back in XXXX - XXXX ; stated time window to complete alloted XXXX training, actions which are being detrimentally exerted and manipulated of direct association to national intelligence initiatives guised as policing by family members and localities. Such is entirely being positioned for lateral theft of identity towards that of a family member for the purposes of nationally oriented subjugation.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions.

FRAUD AGAIN, DO NOT HAVE MY WRITTEN CONSENT I'M PREPARINGTO TAKE THIS COMPANY TO FEDERAL COURT I WILL NOT SEND YOU ANY OF MY PERSONAL INFORMATION AGAIN!! YOU CAN SEE I
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to all three credit burears to investigate inaccurate accounts on my credit report and they have come back " verified '' but i have yet to see a proper investigation of what iv asked for from them.XXXX, Transunion and XXXX are listing on my credit report that i have dept colletion accounts in the amount of {$4500.00}, {$9000.00}, {$4500.00}, {$2300.00} .All they have provided is the same old paperwork that i have received over and over. it states my name and address and amount i suppossedly owe. in this investigation i have requested that they send me the original binding contracts with my signature proving that i applied for theses account and i have not received my request XXXX know my rights as a consumer to not have my name or credit report slandered as it is and thus making it difficult to use my credit because so. The law FRCA 15 USC 1681 states that the must by law provide me the consumer with a proper investigation that is 100 % accurate. i have demanded these reports be deleted if they can not do a proper investigation and they have yet to delete then
Consumer complaint received 2020-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

XXXX XXXX, XXXX-XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX AND I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX AND I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MO)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2022-11-12
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX ) XXXX Balance : {$280.00}
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have been a Chase customer since XXXX with no issues, on XX/XX/XXXX Chase closed down my account with no prior notice. 
After contacting them several times they still didn't provide me with a reason for closing the account. 
Additionally, I have funds they are not releasing, to be specific a {$6000.00} check that i deposited. They will only release it after I get the signer of the check to come down to a chase branch which is not possible.
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-12-31
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. (NJ)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (NC)

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 U.S.C. 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the rights to privacy.

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

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 antendates 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.