davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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. (MO)

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Formal declaration dated : XX/XX/XXXX Formal Notice : Refusal to pay a debt. 
Reason : Identity Theft, Account isn't mine. 
Notice : Under 15 USC 1692cc Regarding Accounts : # XXXX ( Auto loan ) ( Personal ) and any other associated account.

Dear Sir/Madam, I, XXXX XXXX XXXX hereby declare my refusal to pay, exercising my right under US law , specifically 15 USC 1692cc . Despite multiple notifications and formal declarations, XXXX XXXXXXXX XXXX XXXX XXXXXXXX persistently reports fraudulent account activities associated with my identity. Accounts starting with numbers # XXXX, erroneously linked to me, remain on your records despite originating in XXXX. I discovered these discrepancies in XX/XX/XXXX. 

I demand an immediate cessation of all communications and reporting regarding these fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ), particularly violations under sections 1681 i a-5 and 1681 e-b. Furthermore, I remind you of the provisions outlined in 15 USC 1692cc of the Fair Debt Collection Practices Act ( FDCPA ), which mandate the termination of communication upon notification of refusal to pay a debt, including reporting to any credit bureaus. 

Additionally, I implore XXXX XXXX XXXX XXXX XXXXXXXX to comply with 15 U.S.C. 1681c-2 by implementing measures to block information resulting from identity theft. Furthermore, an examination of late payments under 15 U.S.C. 1681a ( 2 ) ( 1 ) exclusions and verification of permissible purposes under 15 U.S.C. 1681b are urgently requested. 

Failure to adhere to these demands will result in further legal action. Please acknowledge receipt of this notice promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX MO XXXX Email : XXXX XXXX
Consumer complaint received 2024-04-12
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. (FL)

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 Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score 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 2023-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

i dont have dates because its been going on for years. portfolio recovery specialists and other companies i dont even know of constantly harass me and make threats to me saying i could suffer legal consequences if i dont pay or make arrangements and that my credit will be affected. they leave voicemails and send letters
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX, I contacted Transunion about the following incorrect information on my credit report. To date, I have not received a response. 

I dispute the accuracy of the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ) account information being reported. Specifically, I do not agree with the reported balance of {$5100.00}, as I recall the amount being lower. Furthermore, I request that any information regarding past due amounts be deleted as this account is closed and charged-off. 
Given the impact that changes to my credit report can have on my credit score, I request that this account be marked as disputed to prevent any further negative impact on my credit score.
Consumer complaint received 2024-04-12
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. (CA)

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 Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score 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 2023-05-02
Product: Credit reporting, credit repair services, 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. (IL)

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

ALL INFORMATION THAT MUST BE DELETED IS LISTED IN THE ATTACHED IDENTITY THEFT REPORT XXXX
Consumer complaint received 2024-04-12
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. (CA)

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. 

XXXX XXXXXXXX XXXX XXXX Reference : XXXX. 

Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness.
Consumer complaint received 2024-04-12
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. (CA)

Your response has greatly angered me! How can you dismiss my request for help with my credit report as if it's unimportant? Your explanations are illogical, and it seems like you're completely ignoring my concerns. The following accounts need to be removed : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

I want to make it clear that I am not playing games here. I genuinely believe that I am a victim of identity theft. I've provided you with all the evidence, such as my FTC report, and it's disheartening to feel like you're suggesting I made a mistake or lied. I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and XXXX have already removed these accounts from their records due to their inaccuracy, so I'm left wondering why you're still reporting them.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/2023 and I noticed that this Inquiries had been made
Consumer complaint received 2024-04-12
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (WI)

In XX/XX/2022, I was notified by XXXX XXXX who monitors my accounts ) that multiple cards were being opened or trying to be opened in my name. I called XXXX and together we called the various credit card companies. 
I thought all the accounts had been closed. I put a freeze on any future account being opened with the 3 credit bureaus. 
Today, I looked at my credit report, and saw that one of these accounts that was opened was still open. And my credit score plummeted by XXXX points as payments have not been made on it. 
I called XXXX immediately . They had me call XXXX and XXXX. XXXX insists on this identity theft report being filed. I did not know anything about this report. Nothing was mentioned to me a year ago about filing out this report. 
I called Wells Fargo today ( where the credit card is issued in my name and has a balance ). Wells Fargo is opening up a fraud report. 
This should not be such a difficult problem for a fraud victim to overcome. Thank you for your help.
Consumer complaint received 2024-04-12
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. (AR)

I am writing to you once again to address the ongoing issue of fraudulent items on my accounts. Despite numerous attempts to rectify this matter, the fraudulent items remain unresolved, causing continued frustration and concern. 

This marks the fifteenth round of complaints I have lodged regarding these fraudulent items. Each time, I have provided detailed documentation and evidence to support my case, yet there has been no meaningful progress towards their removal. 

I demand urgent action to remove these fraudulent items from my records/accounts. I expect a thorough investigation into the origin of these items and a transparent process for their removal. Additionally, I insist on compensation for the distress and inconvenience caused by the prolonged existence of these fraudulent entries. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}.
Consumer complaint received 2024-04-12
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

On  XXXX   XXXX , I checked into the  XXXX   XXXX   XXXX  in  XXXX , GA. I was attending a   XXXX    regional meeting. The hotel charges were charged to, and paid by, the  XXXX   XXXX .     When I checked in,  XXXX  put a {$25.00} hold on a credit card issued by CitiBank.  XXXX  released the hold on  XXXX   XXXX .  Citi  refuses to take the hold off my card. They have told me their policy is to keep the hold on for 30 days.     I do n't owe  XXXX  any money.  XXXX  does n't claim I owe them any money.  Citi  has no valid business reason to keep the hold on. I have a credit limit. That credit limit is fully secured. Citi is at no risk, so they have no reason to maintain the hold. I would like it released.
Consumer complaint received 2024-04-12
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. (SC)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, some items still need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

Subject : Regarding Unresolved Matters Dear [ XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX ], I hope this letter finds you in good health. I am writing to address the issue of unfinished business that requires our immediate attention and resolution. Specifically, this pertains to the recent submission of evidentiary documents, which you voluntarily provided. It is important to note that XXXX XXXX XXXX, acting as a non-adverse, non-belligerent, and non-combatant party, serves as a secure creditor with power of attorney general and Executrix on behalf of the XXXX XXXX XXXX XXXX. 

We sincerely appreciate your cooperation in submitting these crucial evidentiary documents. They are currently in the possession of XXXX XXXX XXXX, and it is imperative that we take necessary steps to address any pending issues associated with them. 

Recognizing the importance of promptly completing our tasks, we kindly request your assistance in providing any additional information or guidance that may be required to facilitate the resolution of these pending matters.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (HI)

I completed a Sears Citi Shop Your Way credit card promotion where I had to spend {$50.00} within the first 30 days of account opening to receive a {$40.00} statement credit. They told me it takes four to eight weeks to receive the credit. Eight weeks have already elapsed as I completed the spending requirements on XX/XX/2020. I still have not received the {$40.00} statement credit. Customer service keeps giving me the runaround, stalling and trying to delay the payout to me.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In XXXX, my discovery revealed Experian, XXXX XXXX, XXXX, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness in the website of Experian. Experian requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of XXXX, Experians website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TN)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requi-site compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all de-rogatory and adversary items from any and all alleged claims still yet unproven to be true, cor-rect, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX XXXX reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the afore-mentioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of re-sponsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are un-doubtedly mandated in your obligation to obey
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have reported identity theft to each credit reporting agency to support disputes for fraudulent accounts on my credit report. I have submitted FTC reprots, Identification and utility bills to verify my identity. The companies then submit disputes to the creditors involved and are supposed to send the FTC report and ID. When I speak to the creditors, I am told they received Id but no FTC report or they received the FTC report but no ID. 

This has happened with : Experian XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Medical Data Systems, Inc. (NC)

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. MEDICAL DATA SYSTEMS INC : Status Collection account. {$1900.00} past due as of XX/XX/2023 ( THIS IS NOT MY DEBT )
Consumer complaint received 2024-04-12
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. (OH)

On XX/XX/22, XXXX XXXX XXXX, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately