davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (NJ)

After receiving a copy of my consumer report I've noticed that there is inaccurate information and accounts thats being reported. I then reached out to the creditor reporting this account and asked them to provide me any signed contracts, agreements, or receipts that verify the alleged debt. I also asked them to cease all communications with me which by definition, reporting this account to my consumer report its a form of communication in which they must remove. How can there be an alleged debt if there isn't any contracts or agreements between me and the creditor listed in my dispute letter. I never gave them the consent to obtain nor share my personal information which is a violation of my right to privacy. Violations committed by the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

MY IDENTITY WAS STOLEN AND THE CRIMINAL WENT ON A SHOPPING SPREE. 
PURSUANT FCRA USC 1970 requires consumer reporting agencies ( CRAs ) to report consumer credit information accurately, fairly, and in a timely manner THROUGH FCRA 15 USC 1681 A-N Definition Exclusions of Contract and XXXX Liability for Willful Noncompliance. THIS INFORMATION SHOULD NOT APPEAR ON CONSUMER REPORTS. IT IS ILLEGAL. BLOCK, erase, and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. These shall be excluded on consumer reports DUE TO IDENTITY THEFT AND FCRA.
Consumer complaint received 2024-08-12
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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. NAME : XXXX XXXX XXXX XXXX  : XXXX XXXX. NAME : XXXX XXXX XXXX NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM WRITING IN REGARDS TO THE FRAUDULANT UNAUTHORIZED INQUIRES THATS REPORTING TO MY CONSUMER REPORT, I AM REQUESTING THESE INQUIRES TO BE DELETED FROM MY CONSUMER REPORT ASAP UNDER 15 USC 1681c-2 BLOCKING INFORMATION IN REGARDS TO IDENTITY THEFT XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-12
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. (PA)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally examined. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused colossal difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening as quickly as time permits. I sympathetically demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the vital advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and respectability of my credit record so I might recapture command over my monetary prosperity. I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit reporting act. The Account below has violated my federally protected consumer under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account Number : XXXX Has 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, states a consumer reporting agency can not furnish an account without my written instructions 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall nui 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 2024-08-12
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. (KY)

Im FILLING to you today to inform you I was the victim of identity theft. 

XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$1900.00} CAF XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX  XXXX Balance Owed : {$88.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX  XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX  XXXX XX/XX/year>
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

I have XXXX student loans with Navient, these loans are paid every XXXX of each month. I noticed that in XXXX of my loans my accrued interest was {$9.00}. My interest only accrues at XXXX every day for that loan, on day XXXX after payment my interest accrued for this month is already at XXXX. I had the same issue with another loan my accrued interest is XXXX, which should only be XXXX cents after XXXX days.
Consumer complaint received 2024-08-12
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX
Consumer complaint received 2024-08-12
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXX XXXX XXXX XXXX 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 2024-09-02
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

XXXX Purchased XXXX XXXX at IKEA and paid for their brand sponsored delivery service. 

After items were received, and we attempted to assemble, there was damage to internal contents as well as missing parts. 

XXXX All items returned to IKEA at the store a credit of {$610.00} was received. I opened case XXXX XXXXXXXX for the remaining {$41.00} to be refunded which was the delivery fee. It was not equitable to make a consumer pay for delivery of product that was damaged / missing product. 

XX/XX/year> IKEA Customer Service issued a credit in the amount of {$41.00} to the card Comenity Bank aka Bread Financial has ZERO willingness to properly credit the account for this return. 

The purchase was done on a 6-month promotional plan. That plan expires XX/XX/year>. 

The account has other balances that are finance charge bearing. I understand that. However, it is absolutely inexcusable that a purchase, on a promotional 0 % interest be returned IN ITS ENTIRETY and the credit issued for RETURNING those items are applied to ANOTHER BALANCE in the account. 

It will ABSOLUTELY be financially HARMFUL to me by this company refusing to properly credit the account. This company is TAKING ADVANTAGE of the consumer in a fiscally harmful manner. 

Refusing to properly credit a return, will then FORCE the promotional balance to expire and INTEREST TO ACCRUE ON MERCHANDISE THAT IS NO LONGER IN CONSUMER POSSESSION!!!! 

I have been trying to explain this problem via message service on customer card portal. I have not received any assistance. I was told to write a letter of complaint to Comenity Bank, and I doing that through the CFPB as I firmly believe a U.S. Government agency needs to be made aware this bank is not fairly treating its customers, and in fact costing customers money they should not be paying.

I am attaching the return receipt for {$610.00} from from return in store. I do not have a receipt for the {$41.00} credit as that was done by IKEA corporate customer care. This amount does show on my statement as a " CREDIT '' so it is clearly not a payment. I am also including my XXXX XXXXXX/XX/year> statement to show the two combined CREDITS are applied to an interest bearing balance THAT IS NOT RELATED TO THIS RETURN!!! 

Simply put, if an item is returned THAT corresponding purchase on a consumer card should be credited. I have sincerely NEVER had this sort of crediting issue with any other merchant nor proprietary card carrier.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-12
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. (TX)

The details of the fraudulent Accounts 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 2024-08-12
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. (TX)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of XXXX XXXX.
Consumer complaint received 2024-08-12
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 information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This evening, I noticed that incorrect accounts have appeared on my credit report, and I have no idea why. When I checked my credit report as usual, there were unexpected discrepancies. I refreshed my browser, hoping it was just a glitch, but the incorrect accounts remained. Because of this, I request that the documents I've sent be thoroughly reviewed so I can have peace of mind.
Consumer complaint received 2024-08-12
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance : {$1300.0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-12
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX :
Consumer complaint received 2024-08-12
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-19
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. (OH)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$21.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Transcontinental Credit & Collection Corp (MA)

I have told them I will not have a job until after XX/XX/XXXX, that I am in school, and in training. They call while I am in school, and in training disrupting that, and I have told them I XXXX in XX/XX/XXXX, and I wo n't have a Job until after that, and to leave me alone until after that. I can not pay if I can not work, and I can not work while I am in school. I am taking steps to obtain a job, but they are not listening to me.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

this is my 2nd dipute to the cra 's about reporting inaccurate and incomplete information on my credit report, i sent my 1st set of letters off on XXXX, and my last set of letters was sent on XXXX and neither of them has investigated any of the inaccurate information that i am disputed and i am requesting for deleting of the items and compensation for pain and suffering
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/XXXX. They had opened a new loan and ran my credit without my knowledge. Last time I opened a loan was XX/XX/XXXX. They were pestering me to get a larger amount loan and I told them absolutely not!
Consumer complaint received 2024-08-12
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. (WA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.