davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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. (NJ)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

To Whom It May Concern, I am writing to formally dispute the accuracy of information on my XXXX XXXX account, which is adversely affecting my credit report. The details of my account are as follows : Account Number : XXXX Account Opening Date : XX/XX/XXXX Upon reviewing my credit report from all credit Bureaus, I noticed significant discrepancies in the payment summary and collection status of my XXXX XXXX account. Specifically : Missing Data Entries : The payment summary indicates no data available for XX/XX/XXXX and XX/XX/XXXX. However, despite these gaps, the account status shows it has been in collections continuously from XXXX to the present day. 

XXXX XXXX XXXX : The account status inaccurately portrays continuous collection activity from XXXX onward, which does not align with the actual history of the account. 

These inaccuracies are concerning as they impact my creditworthiness and misrepresent my payment history with XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, I am entitled to request and obtain all information in my file maintained by a consumer reporting agency, which includes accurate reporting from data furnishers like XXXX XXXX. Additionally, under 15 U.S.C. 1681 ( a ) ( 4 ), consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

The FCRA also mandates that if information can not be verified during an investigation, it must be promptly deleted from my credit report. Therefore, I request that you : Conduct a thorough review of my account history and correct any inaccuracies in the payment summary and collection status. 
Provide me with a written confirmation of the investigation results and any corrections made. 
If you are unable to verify the disputed information, delete it from all major credit bureaus which includes XXXX, XXXX, Transunion and XXXX. 
Please acknowledge receipt of this dispute within 30 days as required by the FCRA. You can reach me at mail or email if you require any further information or clarification. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this dispute.
Consumer complaint received 2024-06-19
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. (NJ)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (NV)

I have asked XXXX  XXXX previous to the call to my employer on XX/XX/2018 at XXXX XXXX, to not call my employer again. I informed them of this again, when I called XXXX after the HR rep emailed me that they had called her office this morning. They did not follow the direction to not contact my employer the first time I told them about 2-3 months ago.
Consumer complaint received 2023-03-13
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: Bread Financial Holdings, Inc. (MA)

XXXX XX/XX/2022, we submitted the online form to have the cash value of points direct deposited to a checking account. When this did not happen, we made multiple phone calls, received conflicting information about how long it took, and finally, at the suggestion of a supervisor, filed a dispute that was confirmed by a letter from Comenity on XX/XX/2022. This gave the bank 90 days to resolve the issue. We received a letter in XXXX, dated XX/XX/XXXX, that says " We are currently working to resolve this issue and append the points used back to your account. When this did not append, I called on XX/XX/XXXX and spoke to a supervisor again and was promised resolution. I followed up on XX/XX/XXXX and spoke with a supervisor and a manager who also promised resolution. Since it has been over four months since the original form was filed, we have little hope that Comenity will willingly give us the money owed through the points program.
Consumer complaint received 2019-07-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Here are copies of our account numbers and copy of cancelled checks that our title company sent with all of our information to Navient and to payoff {$70000.00} of Student loans we co-signed for our son. All of these checks were cashed by Navient on XX/XX/2019 and were to be credited to our account. NOTHING HAS BEEN DONE TO CREDIT OUR ACCOUNT! Instead we have been dunned like bad debtors as well as being told we are going to be charged interest and Late fees for the last 3 months! 

We are at a total Loss and distraught due to the fact we took out a 2nd mortgage on our home so we are paying for this too! 
We need to have this cleared up so we can live our lives and keep working to get our XXXX   child through XXXX XXXX. 

PLEASES HELP! 

XXXX & XXXX XXXX XXXX
Consumer complaint received 2024-08-16
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. (OH)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX last four digit SS # XXXX todays date XXXX I reviewed my Consumer reports and made a dispute XXXX. 

I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 100 % on time thank you I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ASKED FOR PROPER INVESTIGATION TO BE DONE AND PROOF TO BE PROVIDED ON THE PROCEDURE OF INVESTIGATION AND RESULTS. 
SINCE PROOF CANT be provided I DEMAND these payments be updated to on time as they should be as I was NEVER Late. 
P.s This is holding me back from getting a new job, and a NEW HOME FOR MY FAMILY Thanks, XXXX XXXX XXXX XXXX XXXX COMPANIES ARE IN VIOLATION OF FAIR CARES ACT LAW USC 1666b timing of paymentsUSC 1681i procedure in case of disputed accuracy USC 1341 frauds and swindles USC USC 1692e false or misleading representation
Consumer complaint received 2024-06-19
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX  Balance : {$8200.00} XXXXXXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2024-06-19
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. (IL)

I am disappointed by your claims and reject them as they lack any substantive evidence. Please DISPUTE THESE ACCOUNTS immediately, or I will pursue legal action. My frustration, distress, annoyance, and outright anger stem from your bureau 's slow response and repeated denial of my identity theft claim. 

This situation is a nightmare. Unauthorized accounts and transactions have severely affected my financial well-being and peace of mind, causing immense emotional strain. 

It is baffling that your bureau persists in disregarding the legitimacy of my identity theft claim, leaving me constantly frustrated. I sought help and fairness, yet all I've encountered is bureaucratic obstacles and lack of action. 

I demand immediate attention to my identity theft disputes. The slow response and repeated denials have only added to my distress. My life has been significantly affected, and it's time you recognize the gravity of the situation. 

I urge you to swiftly initiate a thorough investigation into these matters, remove the fraudulent accounts from my credit report, and help restore my financial standing. I am not asking for special treatment ; I am asking for what is rightfully mine as a victim of identity theft. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-19
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 hope this letter finds you well. I am formally filing a complaint against XXXX and the credit bureaus regarding their failure to investigate disputes on my credit report. 
I submitted dispute letters to XXXX, XXXX, and TransUnion regarding inaccurate information reported by XXXX on my credit report. Despite providing clear documentation and evidence supporting my claims, neither XXXX nor the credit bureaus have initiated an investigation into the disputed items. This negligence has had a detrimental impact on my creditworthiness and financial standing.
Consumer complaint received 2024-06-19
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. (TN)

Despite my persistent efforts, these errors remain unaddressed, and I am becoming increasingly frustrated with the lack of resolution. I have previously provided detailed documentation, including account statements and correspondence with the creditors, verifying the correct status of these accounts. Despite this, the errors persist on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must ensure the accuracy and completeness of the information they report.I am now seeking immediate correction of these inaccuracies. The failure to rectify these errors is causing significant harm to my financial standing. Please conduct another thorough investigation into this matter and correct the information immediately. I request written confirmation once the corrections have been made. With this, I am asking for your help to correct the accounts : XXXX XXXX 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 2024-06-19
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. (NC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

Attached is a debt validation letter addressed to Jefferson Capital Systems , LLC. 
This was furnished on my credit report without my written consent and was not validated according to my consumer rights found in 15 usc 1692g. It also states in 15 usc 1692g ( c ), that the failure to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I also received a debt collection letter with multiple FDCPA violations which are listed. Each violation is up to {$1000.00} fine per violation according to 15 usc 1692k ( A ) ( 2 ) ( A ). My federally protected consumer rights have been violated on multiple occasions.

15 usc 1692b ( 5 ) 15 usc 1692f ( 8 ) 15 usc 1692g ( c ) 15 usc 1692e ( 10 ) 15 usc 1692b 15 usc 1692e ( 11 ) 15 usc 1692e ( 2 ) ( A ) I request you remove this alleged debt from my credit report immediately.
Consumer complaint received 2024-06-19
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. (TN)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$7200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} DPT EDXXXX XXXX Balance Owed : {$4800.00} XXXX XXXXXXXX Balance Owed : {$9000.00} XXXX XXXXXXXX Balance Owed : {$8300.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$29000.00} US DEPT ED XXXX Balance Owed : {$22000.00} US DEPT ED XXXX Balance Owed : {$28000.00}
Consumer complaint received 2024-06-19
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. (KY)

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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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 2021-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (NC)

Called the company twice in the last 60 days to try to verify debt, asked for copy of statements from original creditor and a financial breakdown of debt owed. Nothing has been mailed to me, I have also attempted to dispute with credit bureau.
Consumer complaint received 2024-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion 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  XXXX
Consumer complaint received 2024-06-19
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. (OR)

PLEASE DELETE THIS XXXX XXXX JUDGMENT ACCOUNT IMMEDIATELY : Account Name : Dept. of Justice XXXX XXXX  Account Number : : # XXXX Account # XXXX Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 
All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I contacted the CEO of XXXX someone called me stating the loans were with the department of education. I callled the department of education and they said the loans were discharged out of their system. Its XXXX thats violating the FCRA
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

On XX/XX/2019, AFNI filed a claim with the credit reporting agencies for a debt of XXXX $ associated with an XXXX XXXX XXXX account. This debt is invalid. I have sent them a letter via certified mail requesting proof of the debt.
Consumer complaint received 2024-06-19
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XX/XX/XXXXXXXX
Consumer complaint received 2024-06-19
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX