davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit reporting act, ( XXXX XXXX ) [ XXXX ] collector 's { XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX } have violated my rights. 
15 USC 1681 SECTION 602 A. States I have the right privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
Furthermore, XXXX # XXXX XXXX investigative analist ( XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX have concluded the debt to be false and the said so account to be closed/removed from credit report effective immediately.
Consumer complaint received 2022-02-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile.
Consumer complaint received 2021-10-14
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. (FL)

I tried fixing this problem about ( me ) having some unauthorized inquiries with Transunion before, Transunion just comply with some part of the issue, but they missed to delete 1 unauthorized inquiry, I believe it was an error but I want to fully make sure they comply with the issue I am having right now, Before I DEMANDED FOR IMMEDIATE REMOVAL OF ALL UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. an Affidavit of truth and a cease of desist was certified mailed to their location. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX. 

They deleted the first 4 inquiries but they did not delete XXXX Date of inquiry : XX/XX/XXXX. 

they send me a letter ( attached with this complaint ) One part of the letter say " YOUR WRITTEN AUTHORIZATION MAY NOT BE REQUIRED TO CONSTITUTE PERMISSIBLE PURPOSE. PLEASE NOTE THAT YOUR SPECIFIC CONSENT TO THE RELEASE OF YOUR CREDIT INFORMATION IS NOT NECESARRY FOR A PERMISSIBLE PURPOSE.

Transunion still in violation of 15 USC 1681b ( a ) ( 2 ) in violation of 15 USC 1681n ( b ) in violation of 15 USC 1681 ( a ) in violation of 15 USC 1681 ( b ) in violation of 15 USC 1681r in violation of 18 USC 1028A ( a ) ( 1 ) in violation of 18 USC 1028A Aggravated Identity Theft ( c ) ( 4 ) in violation of 18 USC 1028 Fraud and related I never gave TRANSUNION any written consent to report unauthorized inquiries on my consumer report, No consent is Identity Theft.

Any person who obtains a consumer report from a consumer reporting agency. under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency. for actual damages sustained by the consumer reporting agency. or {$1000.00}, whichever is greater.
Consumer complaint received 2022-09-20
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. (MI)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2021, I went to capital XXXX bank to close my CD. I was they can not close my CD I have to call the corporate office. Same day I called and canceled my CD. I was told I will be receiving my check ( over {$200000.00} ) within 10days. After 10days not receiving the check I called they told me to wait few more days. After few more days I called and said it's better to put stop payment on this check because I still haven't gotten my check. Representative said okay will stop payment on this after couple days we will send you a new check. Again after couple days I called, I was told the check is on the way, you will get it in 5 business days. After 5 days not receiving check yet I called again and spoke with the manager he tells me I need to sign the affidavit before they can send me a new check ( I asked why the last representative that I spoke to 5days ago said my check is on the way, but I didn't get the answer for that ). So now I said fine send me the affidavit form and he said he doesn't have the blank affidavit form he needs to ask the back office to send me the email and I should receive the email by end of the day. I didn't receive the email I called next day, and I got the same answer. I called again and again asking them to send me affidavit form in the email, but no luck, so that happened few times again I spoke to the manager and said I have not received my check and you guys are not sending the affidavit form to take proper action, this time I told the manager to call the back office now because I need the affidavit form. Manager said he doesn't have number for back office they can only send email. I finally gave up!! And after few days I get the affidavit form in the post mail which should have been received long time ago in the email. So I filled out the form and emailed to the bank and I get a call from capital one bank that they have received my check but unfortunately they have to wait 95 days before they can send me a new check. I asked the lost check has that been blocked ( stop payment ) the representative response was not sure I believe so. PLEASE HELP I DONT KNOW WHAT TO DO NEXT. NEED THE FUNDS FOR AN INVESTMENT. I DONT WANT TO LOOSE THIS OPPORTUNITY BECAUSE OF CAPITAL ONE BANK.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Automatic Data Processing, Inc. (VA)

I was given a XXXX/ADP card by my employer, because my payroll check was missing hours. The hours that were missing were put on to a card that I had in my possession on XX/XX/XXXX or XXXX. Upon using this card on the XX/XX/XXXX I was notified that there wasn't any money on this card. So after this I contacted XXXX, which took me three times, until an agent on the third phone call informed me that my card was reported stolen. My card was unlocked, and I proceeded to use my card at XXXX XXXX, and at XXXX and XX/XX/XXXXwithout any problems. The next day XX/XX/XXXX upon going to pay my property tax I was informed I only had XXXX on my card. So after this I checked online and it was observed that my card had been compromised for the amount of XXXX. XXXX was contacted, my card was locked, and a replacement card along with paperwork was sent out. Paper work to verify that my card was compromised was emailed to XXXX  on XX/XX/XXXX. Upon contacting XXXX  XX/XX/XXXX, I was hung up on twice. And when I got to a agent, he could not tell me exactly how long it would take to retrieve my money, only best case and worst case scenario, the same answer was given to me upon asking to a supervisor.
Consumer complaint received 2023-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc (PA)

In 2020 i sent a negotiable instrument to municipal credit union to settle a credit card debt for {$5200.00}. Which was settled, but XXXX XXXX XXXX sold the debt to January Technologies Inc. Then then contacted me by email to collect the debt again. I then sent a negotiable instrument for {$10000.00}. January Technologies Inc said it would take 45 days to process. About 35 days passed they sent me correspondence that they could not process the instrument and it was shredded. They did not have any authority to shred my instrument. 15 usc 1681 and 18 usc 2071. They have done unfair practices and have mutilated the instrument without my consent. The account has not been settled and they are stating i still owe the amount. XXXX was made to this company according to state law pursuant to UCC 3-603B.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Good Afternoon, I purchased an airline fare from Spirit Airlines for a trip to XXXX XXXX. However, I was unable to attend due to obtaining XXXX. I canceled the trip with the airlines one week before travel and was told if I had submitted proof of having XXXX my trip would be refunded in full. I followed the provided instructions and then was told by SPIRIT that it would be issued as a credit and not a refund to my Bank of America debit card. I contacted BOA to dispute the charge and the merchant opened a 30-day investigation. I was just informed by BOA that would not pay the claim because SPIRIT provided proof that I made the purchase. BOA then closed out my case. I contacted SPIRIT to find out about my using flight credit and was informed that I had to contact my bank since I disputed the transaction. Neither merchant wants to return the amount of the flight after I submitted all required documentation as per their directions.
Consumer complaint received 2020-11-30
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2021-10-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Green Bay, Inc. (WI)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2024-10-10
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. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues i will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-23
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: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of 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 provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened XXXX XXXX XXXX | XXXX | XX/XX/XXXX Inquiries XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted Experian multiple times regarding these fraudulent accounts on my credit report, and no solution has been provided. I am deeply affected as I can not purchase a new home for my children. These collections were removed and unverified by other bureaus, yet Experian continues to insist that these accounts are mine. Therefore, I request all documentation proving this information is accurate. I have requested a response from this company, and after more than 60 days, I have received no response. 

Please assist me in removing these accounts immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX is reporting collection activity on an account that is past its statue of limitations and is time barred from credit reporting. This is a violation of my rights under the FCRA. XXXX and XXXX XXXX both have already removed this account. XXXX needs to remove this account from my credit file immediately.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NY)

On XX/XX/2020 I noticed an account on my credit reports that I did not recognize from CKS Prime Investments. I realized I had never received a notice of the right to dispute regarding this collection. That same day, I sent CKS Prime Investments a letter to validate the account. I have a certified return receipt signed for my letter on XX/XX/2020 by XXXX XXXX. In the XXXX  days that followed I did not receive any documentation validating either debt. On XX/XX/2020 I sent a follow up letter stating they failed to validate the debt, neglecting to send any documentation and requesting to have the accounts removed from my credit reports immediately. My XXXX letter was received certified return receipt on XX/XX/2020, also signed for by XXXX XXXX. Again, I received not response and the accounts were still not removed. I sent all of my documentation to the XXXX credit bureaus and again it was not removed.
Consumer complaint received 2022-02-15
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. (MI)

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CULLEN/FROST BANKERS, INC. (TX)

My company XXXX XXXX XXXX ( XXXX XXXX XXXX  ) applied for a PPP loan on XX/XX/XXXX with my personal banker XXXX XXXX ( Frost Bank XXXX Tx ). All of my workers were 1099 misc workers which made up the majority of my payrolls. My application was approved and funded on XX/XX/XXXX. At the time my application went thru and was approved 1099 misc workers were allowed to be used for payroll on the PPP loan. I submitted for forgiveness in XXXX of XXXX. My bank came back and said the loan couldn't be forgiven because the new rule that came in effect after my application was submitted and approved stated that independent contractors ( 1099 misc ) could not be used towards PPP loans. I received my loan and dispersed the monies exactly as intended by making sure all of my workers had a paycheck each week to get there bills paid and to stay afloat. This should fall on the banks shoulders as the loan never should have been funded if it was not going to be forgiven. I have been sent a business loan payment notice in the mail and i have a payment of {$59000.00} due on XX/XX/XXXX. I do not have this money to pay them back as the monies from the loan were depleted long ago after i received it. I will attach original loan application along with everything i submitted to the bank back in early XXXX. I will attach my loan forgiveness application as well. Thank you