davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They are refusing to follow the law. This is willful noncompliance. The FCRA clearly states the information in the credit bureaus files is the information that they store in there computer base on every consumer. The XXXX identifies the proper identification required ( drivers license and SS card ) + a written request by the consumer. Basically it says that if a consumer asks the correct way, in writing, and has properly identified themselves, the XXXX bureaus are required to disclose to the consumer exactly what documents are stored within their computer base that were used to verify the information that is being reported on them. There are 2 instances revealed in subsection ( XXXX ), ( XXXX ), whererby " accurate '' information can be removed. 1. ) if the information is outdated in Section XXXX. 2. ) The information can not be verified. " Verification '' is the focal point. I have attached the FCRA sections that state what I am stating as proof. I have also attached a letter from one of the hard inquiry companies that shows they requested to remove this hard inquiry by all XXXX bureaus yet XXXX still reports this inquiry. If this is not corrected I will take this to civil court. In the FCRA it also addresses the legal penalties to willful noncompliance.
Consumer complaint received 2024-10-25
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)

I have identified information on my credit report that does not belong to me and was not created by me. the identified are as follows : 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 2017-03-23
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

We have a closed credit card account through XXXX. On XXXX/XXXX/17, this company repeatedly ( four times in a span of a few hours ) called from both blocked and unblocked phone numbers to harass my husband ( the primary card holder ) about receiving payment. Our payment was not even due until XXXX/XXXX/2017 and there was absolutely no reason for this company to be calling this often or to be trying to collect a payment that had not even reached its due date! I called the company and explained the situation on XXXX/XXXX/2017 and told them to stop harassing my husband and I over a bill that was n't even due yet. The customer service representative did n't even apologize and just told me she put a block on his phone number, but they could still continue to call my cell phone. I told them this was harassment and I was n't going to answer if anyone called because I was at work and the bill was n't due yet. I am very upset with the way this company tries to get in touch with their customers.
Consumer complaint received 2024-10-25
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late 4. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 


8. there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2016-08-09
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Alliant Capital Management LLC (PA)

A XXXX XXXX called 6-8 weeks ago and left a voicemail that he was with Alliant Capital Pre-legal division to advise me of a legal matter cae # XXXX. I am going through a divorce and thought this may be about the debts we are working through the court and as per my attorney ( XXXX XXXX ) we have been requesting all debts in writing. So i returned the call and advised XXXX XXXX to send me a copy of the debt in writing. He advised that I was going to be sued and tried to get me to set up payment arrangements. I said I no, I need it in writing & I provided my mailing address as well as my email and I ended the call. Now I am receiving threatening calls from a XXXX XXXX at work and on my cell phone. Friday XXXX/XXXX/16, there were several messages on my cell that I needed to call by XXXX or I would be sued in XXXX County Monday morning. Then XXXX XXXX called my place of Employment and when he was told she was going to put him in my voicemail, he refused and our Receptionist pushed him through to voicemail. He called back and the call was transferred to my Superviser, XXXX and she told him that we do not permit these type of calls for Employees, he told her that it was a legal matter pertaining to fraud committed by me and he already spoke to our HR Department regarding possible garnishment and she asked who he spoke with and he replied, that everyone should stop being a " gate keeper '' and tell me to call before XXXX or I would be prosecuted in XXXX County. 
I am not disputing that we may owe this debt, I do not know for sure what it is because I have still not been provided anything in writing. I am in the process of a divorce and trying to collect all debt info so that I can utilize a debt repair/assistance agency and am only asking to receive it in writing so arrangements can be made. What I do not deserve is someone calling my place of employment speaking of fraudulent activity and wage garnishments tarnishing my name with my Superiors. I want the calls to my place of employment to cease immediately and for Alliant to provide the debt in writing so that my Attorney and whichever debt assistance agency I use can help me identify and make payments on legitimate debts.
Consumer complaint received 2024-10-25
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. (WI)

I recently review a copy of my credit report and I noticed fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. A collection account for {$800.00} from XXXX XXXX associated with XXXX XXXX XXXX. This is a fraudulent account.
Consumer complaint received 2024-10-25
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Diversified Consultants, Inc. (AL)

I had a 2 yr internet contract with XXXX XXXX XXXX XXXX for $ XXXX ona 24 month contract that began XX/XX/XXXX. I moved from the residence due to a separation from my wife and she moved also. I had a XXXX phone to accomodate the internet service and had it disconnected when I moved out per my request to XXXX XXXX XXXX. The Service provider continued to bill a closed account up until XX/XX/XXXX which over 1 yr and 4 months of an expired contract. This is the 3rd time this account has been added back to my credit report and it is in violation of The Federal Credit Reporting Act. XXXX different collection companies have had the account and when I spoke with Supervisor XXXX XXXX of Diversified Consultants Inc over 1 month ago I requested a copy of the contract that XXXX XXXX XXXX had provided to his firm concerning me. There was not one on file and he promised I would get it within 30 days. Per our conversation yesterday he will not provide a copy of the contract and XXXX XXXX XXXX is requesting a Written Distpute from me in which they already have a copy from XXXX. I am a XXXX Alabama XXXX and this error on my credit report hinders my Company 's ability to obtain Floor Plan Financing to purchase Inventory for my Car Lot and also make my Surety Bond higher. I need this item removed from my XXXX and XXXX Credit Report Immediately. I am presently trying to enter into a lease Purchase for a XXXX acre and XXXX sq ft building to Start a XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MI)

I ANTICIPATED THIS RESULT FROM EQUIFAX AND I 'VE BEEN THERE BEFORE WITH THEM BECAUSE THEY DO N'T SEEM TO THINK THEY HAVE TO ABIDE BY THE LAW TO ISSUE MY OR MY WIFE 'S REPORTS. I HAVE TO GO THROUGH THIS PROCEDURE EVERY TIME I ORDER OUR FREE REPORTS FROM EQUIFAX. I SUPPOSE XXXX AND EXPERIAN WILL DO THE SAME AFTER EQUIFAX CONTINUES TO GET AWAY WITH THIS VIOLATION, HOWEVER, I HAVE NO ISSUES WITH THEM AT THIS TIME.
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (TX)

I have reviewed my credit report and noticed some errors being reported by Discover on my credit file. I disputed the errors with the bureaus and Discover verified them even though that each bureau has different information. On XXXX/XXXX/16 I then sent a letter to Discover asking for documents to review and verify information reported and they ignored my request. On XXXX/XXXX/16, I sent another request to where they replied with a letter stating the account was settled in less than full and everything was reporting correct. Unfortunately it is not the case, the information being reported is different across all XXXX bureaus. I am not disputing if account was settled, I am disputing the accuracy of information reported as afforded to consumers by the FCRA.
Consumer complaint received 2024-10-25
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. (VA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : Last four XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, account opened at XXXX on XX/XX/XXXX under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2024-08-23
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Late fee — 
Company: COMMERCE BANK (OK)

On XX/XX/XXXX, I made two separate payments of {$30.00} and {$340.00}. I received a message in my credit card account inbox indicating receipt of both payments. As of the due date ( XX/XX/XXXX ), the payments had still not been completed. On XX/XX/XXXX, I was charged a late payment fee of {$27.00}, and on XX/XX/XXXX, I was charged interest of {$15.00} on the statement balance. I realized this when I checked my statement on XX/XX/XXXX, and sent a secure message stating that I had made the payments, but the credit card issuer had failed to complete them. I did n't receive a response until XXXX ( 14 days later ), which said my complaint had been forwarded to the appropriate department. I have another payment due on XX/XX/XXXX, and I am worried about this affecting my credit since the payments that I 'm making are n't going through.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file 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. XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SQUARETWO FINANCIAL CORPORATION (NY)

I received a call and letter from Cach , LLC. They have been emailing me through a secure online email, which is suspicious. They are saying they purchased a loan from XXXX, I took out with my husband XX/XX/XXXX, they took over XX/XX/XXXX. 

They waited 2 years to contact me for collections.They are very aggressive. It is not showing up on either one of our credit reports ( checked all XXXX CBR ). 

My contact with Cach, tells me it is, then tells me they have to fix that. Then I ask for the transaction history. Which it says in the letter they sent is attached on XXXX XXXX, is not. The contact says, he can not give it too me. From my records my last payment was made XX/XX/XXXX. So the Statue of Limitations is coming up on 6 years for NYS. Makes sense for their aggression. 

The loan is for XXXX. Also they added on XXXX pages of their own " additional terms '' to the loan agreement we signed, " thinking we would n't notice ''? 

They are trying to get us to settle of course. I am on XXXX, I have sent them all proof they can not collect from me. They want my husband to settle, he is thinking of filing Chapter XXXX. 

Cach is very inconsistent with their responses via email and seem deceitful. We do n't trust the person ( s ) we are contacting CACH. LLC. 

We know they can get a summary judgment. We are researching other ppls horrors stories. We own a home and are very very concerned for our well being. The loan also does not show up when I ran a loan search XXXX. 

I am going to XXXX to the the recovery account department to get a copy of my account. I hope this will resolve the SOL and be able to have a little bit of understanding how to move forward. 

I have all their email with lies.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

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 correct : XXXX OF XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$11000.00}
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2016-08-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth Financial System, Incorporated XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian, Equifax, Transunion. 

Account : Dispute/Refuse I am stunning that reviewing my credit report I found this absurd collection, damaging my credit. 
This collection agency is complete inaccurate and I do not owe any money for those services, for that reason I requesting to be removed from my credit. 
This claim is complete absurd and unacceptable. The incident happen several years ago when my son has an accident and ambulance services was utilize to transport him from XXXX XXXX GA to the Hospital at XXXX GA. 
At the time the XXXX XXXX XXXX shield insurance was provide and paid off. 
Several Months later we received a letter stating that the insurance information was necessary one more time. Witch we provide one more time. 
Over a year after that second incident a law firm stated that they will send the letter requesting the paid off or will be send to collections, which they did. 
After several attempt letters, phone call and on line chatting, they agree that it was an error on their part, and promise to remove from the Credit report. 
Now after about 6 years have being pass of the incident. The same company send a bill to collections one more time and that of course is affecting my credit. 
This is totally unacceptable. I am XXXX with more than XXXX years serving my country. 
My credit is review every time I have to obtain clearance for my employment. Actions like this due to negligence from they 're part my life and my family life is affecting. 
I am requesting your assistance to resolve this matter in a positive manner, and I demand from that account be removed from my credit report.
Consumer complaint received 2016-12-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: DISCOVER BANK (NJ)

DISCOVER BANK IS UNFAIR! THEY PROMISED TO SEND ME FORMS TO DISPUTE A FRAUD THAT XXXX DID ON MY BANK ACCOUNT! I NEVER RECIEVED THE AFFIDAVIT AND DISCOVER IS CLAIMING THE CASE WILL BE CLOSED IN THE FAVOR OF THE MERCHANT BECAUSE I DID NOT SEND THE FORM! I NEVER RECIEVED THE FORM TO BEGIN WITH!