davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (IL)

I am writing to file a formal complaint against Military Star for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Military Star placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with Military Star, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Military Star provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Military Star is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with Military Star is blatantly false. I neither received any services or products from [ Debt Collector ] nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that Military Star is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This credit reporting company is not investigating like they supposed to under the FCRA. They are required by FCRA to verify 100 % that all information reported is 100 % accurate and need to provide me with evidence for this disputed information.
Consumer complaint received 2024-01-17
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. (MD)

I am writing to express my dissatisfaction with the ongoing challenges I have faced while attempting to correct late open accounts on my credit report. Despite multiple attempts, the issues persist, impacting my credit score and causing significant distress. 

I have made repeated efforts to rectify this situation through your dispute resolution process, yet the corrections have not been implemented successfully. 

Here is a summary of the actions I have taken to address this matter : I have submitted disputes through your online platform, providing detailed information about the late open accounts, along with supporting documentation. 

I contacted your customer support hotline to inquire about the status of my disputes. However, the information provided has been inconsistent, and the issue remains unresolved. 

In an effort to expedite the resolution, I have submitted supplementary documentation to support my case and clarify the inaccuracies. 

Despite these efforts, the late open accounts continue to negatively impact my credit report. This situation is not only frustrating but also raises concerns about the accuracy and reliability of the information maintained by Credit Bureaus. As a consumer, I rely on accurate credit reporting to make important financial decisions, and the persistent errors on my report hinder my ability to do so. 

I kindly request a thorough investigation into the late open accounts listed on my credit report and a swift resolution to correct these inaccuracies. Additionally, I seek clarification on the specific steps taken during the investigation process and a detailed explanation for the continued presence of these errors. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my hope that Credit Bureaus will take immediate action to rectify this matter and provide a clear and transparent resolution. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3000.00}.
Consumer complaint received 2024-06-06
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Legal Group, P.C. (MI)

XX/XX/XXXX XXXX XXXX XXXX started taking XXXX out of my account for payment on my credit cards. They told me when I signed up with rhwm they would take care and pay off my debt. They also told me not to pay those credit cards and I would not get emails or calls about them if I did I was to tell them XXXX XXXX XXXX was taking care of it. It would be paid off in 3 years. My credit would also take a hot but after a few months would start to improve. In XX/XX/XXXX I called to ask what they have done and how much was in escrow. They told me they have written letters to the creditors for XXXX XXXX XXXX a letter. Aand I had XXXX in escrow. That day I sent an email to th terminatingtheor services and I wanted my money back. On XX/XX/XXXX I called them as I had not heard from them and they told me they don't do things like that my email so I told them to terminate and send my money. She told me it had to go to a review board and would take XXXX to 5 day. So on XX/XX/XXXX I called again as I heard nothing f from them and was told my request was denied for breach of contract. I would like my money that they took and did nothing back
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to bring to your attention that XXXX has already removed these accounts from their records after acknowledging an error. It is perplexing and disconcerting that your agency, in contrast, appears to have verified these accounts without providing adequate information for verification. This discrepancy raises serious concerns about the accuracy and legitimacy of your reporting. I demand that you immediately delete these inaccurate, erroneous, and unverifiable accounts from my credit report. The persistence of this misinformation not only damages my creditworthiness but is also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am asserting that you do not have the rights to continue reporting these accounts without proper verification, especially when other credit bureaus have recognized and rectified the inaccuracies. Your non-compliance with my previous requests is both inexplicable and unacceptable, and it appears to be a blatant disregard for the law. The accounts in question, as follows, lack sufficient information for proper verification of the associated debts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc (IN)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Accudata Credit Systems LLC (MO)

XX/XX/year> paid money for a credit application for renting a housing unit. They denied my credit and had a far lower credit score then I actually have. Which I had my credit 2 days before " XX/XX/year> '' ran and was a lot higher then " XXXX points higher '' I feel they did this to steal over XXXX dollars from me.
Consumer complaint received 2024-01-17
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. (MD)

I am writing to express my deep dissatisfaction and frustration with the multiple unsuccessful attempts to address and remove fraudulent item from my account with Transunion Credit Bureau. My intention is to bring to your attention the gravity of the situation and request immediate action to rectify this matter. 

I first identified unauthorized and fraudulent transactions on my account. Since then, I have diligently reported these incidents through your designated channels and followed the prescribed procedures for resolution. Unfortunately, despite my repeated efforts, the fraudulent item have not been adequately addressed, and they continue to persist. 

I have made many attempts to resolve this matter through your customer support hotline and online support portal. Each time, I have patiently provided the necessary information, documentation, and details regarding the fraudulent transactions. Regrettably, I have yet to witness any significant progress in resolving this issue, and the fraudulent item remain on my account. 

This situation has not only caused me significant financial distress but has also eroded my confidence in the security measures and customer support services provided by Credit Bureau. As a loyal customer who has entrusted Credit Bureau and financial information, I expected a prompt and effective response to such critical matters. 

I kindly request an immediate and thorough investigation into this matter. I urge you to expedite the removal of the fraudulent item from my account, reimburse any unauthorized charges, and implement additional measures to prevent such incidents in the future. Furthermore, I would appreciate regular updates on the progress of the investigation and resolution. 

If this matter is not addressed promptly and satisfactorily, I may have no choice but to explore alternative courses of action, including filing a complaint with relevant consumer protection agencies and seeking legal advice. 

I trust that you understand the urgency of this matter and the importance of preserving the trust and confidence of your customers. I am asking for your assistance to remove this fraudulent item in my credit file : XXXX XXXX XX/XX/2023.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

The IKEA Project credit card company refused to explain how they allocate my payments to the three promotional purchases outstanding which each have a different ending date on the promotional interest rates. I have three promotional purchase balances and one of which is set to expire on XX/XX/XXXX. After the expiration, that remaining balance will be charged interest. I am trying to avoid paying interest on that balance and have even sent in additional payments to be applied to that upcoming ending balance. The company when asked to explain how they determine how my payment of {$300.00} ( which is above the minimum due ) is applied to each balance, I am told they do not know how those are done and can not explain to me that I just have to keep making payments until the promotional balance is paid. I am not able to apply extra payments directly to a promotional balance. I have called many times and they are simply refusing to help or even give me guidance other than just to send extra payments in and then call in and request that money is applied, however the operators are not able to give an up to date remaining balance on accounts until the statement closes, so there is no way to know how much to allocate to each account. Today the company has disconnected my calls with them twice as I was trying to resolve this again. I call today, XX/XX/XXXX at XXXX cst for XXXX minutes and was disconnected, I called again on XX/XX/XXXX at XXXX and was disconnected after XXXX minutes on the line. I have not recieved a call back and I am still uncertain if any additional payments above the minimum due will be applied to the most current ending promotional balance. I should have control over applying payments to promotional balances especially those due to expire soon. My statements do not show the minimum due on each promotional balance, the statement just shows a minimum due on the account as a whole. There is not a way to understand how the company allocates the additional payments above the due amount to the remaining promotional balances. When calls are made to teh company to understand and clarify, the calls are meant with aggressive representative and calls are then disconnected purposely.
Consumer complaint received 2024-01-17
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)

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. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

I owned a business credit card for XXXX XXXX from Citibank. 

I had a dispute with the merchant XXXX XXXX which got finally resolved and I decided to retract the dispute. 

I called Citibank to cancel the dispute process as I had the resolution from the merchant XXXX  XXXX  afterwards of filing the dispute. 

The amount was {$190.00} for the transaction dated XX/XX/year> that was already paid in full for the XXXX statement cycle on XX/XX/year> which was the due date of the business credit card. 

The dispute was filed was way later in XXXXXXXX XXXX  and I got a credit balance ( negative ) of {$190.00} as the immediate credit post filing the dispute. 

But, when I decided to " Cancel '' the dispute, Citibank erroneously reversed the charge TWICE and not ready to accept their mistake of billing me twice for the same transaction.
Consumer complaint received 2024-01-17
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)

After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryXXXX XXXX, and TransUnion, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within XXXX  daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bayside Credit (NV)

Im unaware of this debt and did not have the opportunity to dispute his debt. Nor did I receive proper notification of this debt. If in fact, you believe you provided me with proper notification send me a certified receipt with my signature on it.
Consumer complaint received 2024-01-17
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. (OH)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-17
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.