davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Letter sent to XXXX in regard to account name : ( XXXX XXXX XXXX ) Account number:XXXX 

XX/XX/XXXX " XXXX '' Re : Social Security # : XXXX To whom it may concern : This letter I being sent to you in response to your recent letter.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collection 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 PENALITIES 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 2009 ( HITECH Act ) as issued -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-08-02
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-02
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX 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 by the FTC 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.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUSSRQ Holdings, LLC (AZ)

XXXX XXXX, Oliphant USA , LLCXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX is reporting a debt that I do not owe in the amount of {$5600.00} on the consumer credit bureaus. I have made several attempts by phone and mail to get them to remove this negative information, since they are no longer the current collector on this account and I settled this matter with the original creditor and their representative. Oliphant does not have the authority to collect this debt, and refuses to remove this derogatory information from the CRA 's. This is negatively effecting me as I am a XXXX XXXX  trying to use my VA benefits to purchase a home and this information is heavily impacting my credit score. Please assist with having this removed from my credit report.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a statement with a balance of {$4700.00} due on XX/XX/XXXX. 
I paid {$4700.00} on XX/XX/XXXX. Capital One assessed interest on XX/XX/XXXX. I have never had a credit card charge interest on a paid in full balance in my entire life.
Consumer complaint received 2023-08-02
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. (OH)

I HAVE BEEN A VICTIM OF VARIOUS DATA BREACHES AND ALSO HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A FEW ACCOUNTS ON MY CREDIT REPORTS THAT DO NOT BELONG TO ME AND ARE UNAUTHORIZED. I ALSO DO NOT HAVE ANY CONTRACTS WITH THE COMPANIES LISTED ON MY REPORTS. THIS IS HURTING MY REPUTATION WITH THE BANKING SYSTEM AND ALSO HURTING MY CHANCES WITH GETTING ANOTHER MORTGAGE LOAN. I NEED THESE ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY. I HAVE SUBMITTED ALL OF MY POLICE REPORTS AND FTC REPORTS TO TRANSUNION, XXXX, AND XXXX ALONG WITH ALL OF MY ID DOCUMENTS. THIS WAS NOT SUBMITTED IN ERROR OR A MATERIAL MISREPRESENTATION. IF THESE FRAUDULENT ACCOUNTS ARENT REMOVED I WILL TAKE LEGAL ACTION
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today, Saturday XX/XX/2024, I went to a Bank of America branch in XXXX XXXX, CA on XXXX XXXX XXXX XXXX XXXX XXXX. I was refused services at XXXX in the morning. I was told I needed an appointment and nothing else was available today. Employee in customer service who did not give her name was short and curt. Even though I explained it was a new account I opened and never received my debit card ( I ordered two thus far and needed a third ). There was no sense of urgency or importance. She even let this man jump in front of me in the line. When I called customer service I explained what I needed again and wanted to do it over the phone again services were refused and I was directed to my app. This is fraud. 18 US Code Section 1341 Frauds and Swindles.
Consumer complaint received 2024-07-03
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. (PA)

I AM VICITM OF IDENTITY THEFT. I FOUND FRAUDULENT INFORMATION BEING REPORTED TO MY CREDIT REPORT. THE ACCOUNT XXXX XXXX REPORTING A BALANCE OF {$350.00} OPENED XXXX XXXX, THE ACCOUNT XXXXXXXX XXXX  REPORTING A BALANCE OF {$5400.00} OPENED XXXX XXXX, THE ACCOUNT XXXX XXXX A REPORTING A BALANCE OF {$2100.00} OPENED XXXX XXXX, THE ACCOUNT XXXX XXXX XXXX REPORTING A BALANCE OF {$410.00} OPENED XXXX XXXX AS ALL SHOWN ON MY CREDIT REPORT IS NOT MINE AND WAS NEVER OPENED BY XXXX XXXX. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE TO CORRECT MY CREDIT REPORT.
Consumer complaint received 2018-08-16
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. (MI)

I have checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

When my lender tries to pull my credit report it's not showing up because of a technical error or some error. I called equifax and corelogic and they said there's no freeze on my report. This error is causing me not to be able to get my home loan and needs to be fixed asap. 

XXXX XXXX has tried to pull my Equifax report numerous times and is unable to. They do not have a problem pulling it from XXXX and XXXX.
Consumer complaint received 2022-09-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

consistently meet payment deadlines. I'm confident in this. What puzzles me is the company 's occasional late reporting, which shouldn't happen. According to USC 1666b, any billing errors should be rectified promptly, reflecting the agreed-upon payment status.
Consumer complaint received 2018-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$900.00}. APR is 670 % with a total finance charge of {$2700.00} over the life of the loan. Semi monthly payments of {$280.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, I don't believe that XXXX XXXX can legally still collect in Florida since they are governed by a Tribal Lending Authority in  another state. Loan agreement is attached.
Consumer complaint received 2024-05-03
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: Experian Information Solutions Inc. (PA)

Despite my repeated attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to emphasize that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-08
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. (OR)

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.

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 2024-06-25
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 2024-06-21
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. (TX)

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 Unknown Collection XXXX
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir/Madam, I hope this letter finds you well. I am writing to demand the deletion XXXX - XXXX for {$8500.00} from my credit report in accordance with the applicable laws and regulations. The purpose of this demand is based on a recent class action lawsuit settlement and the violations of relevant consumer protection laws. 

As per the lawsuit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX was involved in a class action lawsuit due to alleged violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit also accused XXXX of breaching its own contracts by imposing improper fees. 

The allegations against XXXX revolve around its use of " heavy-handed tactics '' in the automotive finance sector, aimed at coercing consumers into paying their loans. These tactics included incessant and harassing calls to the plaintiffs ' phones, which are explicitly prohibited by the XXXX and the FDCPA. 

Moreover, XXXX 's actions are reported to have violated Article 9 of the Uniform Commercial Code ( UCC ), further underscoring their wrongful conduct. These violations have had a detrimental impact on my credit report, hindering my financial standing and causing severe distress.

I firmly believe that these violations and the subsequent lawsuit settlement warrant the immediate removal of XXXX - XXXX for {$8500.00} from my credit report. The negative impact of these entries on my credit history is unfair and unjust, given XXXX XXXX proven wrongful actions. 

I hereby request that the Consumer Financial Protection Bureau promptly investigates my case and ensures the deletion of XXXX  - XXXX for {$8500.00} from all major credit reporting agencies, including but not limited to XXXX XXXX XXXX, and TransUnion . I expect that this deletion will take place within the legally mandated timeframe to rectify the harm caused to my creditworthiness.

Please provide me with written confirmation once my account has been removed from my credit report, along with any relevant documentation or proof of the deletion.

Your attention to this matter is greatly appreciated. I trust that the Consumer Financial Protection Bureau will act diligently to protect consumers ' rights and ensure fair and accurate credit reporting practices.

If you require any additional information or documents, please do not hesitate to contact me at XXXX XXXX or XXXX. I look forward to a swift resolution to this matter. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (LA)

Ive been in business for 3 years now and have used cashapp for over 5 yrs. I woke up the next morning to find my account disabled for violating there terms. Now I personally dont know exactly what the reason was for this as they cant even provide me one. They say it will take 60 days but Im already losing customers that rely on cashapp payment s and is ruining my reputation. Ive had to cancel out 4 major clients this week because they wouldnt do business as they didnt see why I couldnt accept Cashapp. Again they provided no valid reason and Ive talked with the support and they have no response or any knowledge of what term was broken. They say it will take 60 days to review but Personally me thats like throwing someone in jail without probable cause and the letting them know 60 days after release what theyve done wrong. I dont scam or fraud anyone so this very bad business practice as I use cashapp for most of payments and is linked to all my websites. Its been 15 days and its the same response. I have to make a living and rent is coming and Ive lost {$3300.00} worth of clientele work. XXXX
Consumer complaint received 2024-06-21
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. (CA)

Experian is reporting fraudulent accounts that do not belong to me to my credit report. I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The followingaccounXXXX XXXX XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX XXXX XXXX. Date Opened : XX/XX/XXXX. XXXX {$490.00}. XXXX XXXX XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX XXXX. Date Opened : XX/XX/XXXX. XXXX {$1000.00}. XXXX XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX. Date Opened : XX/XX/XXXX. XXXX {$2300.00}. XXXX XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX. Date Opened : XX/XX/XXXX. Balance {$600.00}. XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ). i have attached a copy of my ID and FTC report. ( Please see attachments ).
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I admittedly accrued a large amount of credit card debt while I was in XXXXXXXX XXXX I took out a loan with this creditor to consolidate this credit card debt in XX/XX/XXXX. With the financial strain of XXXX followed by some XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I was struggling to get on top of things and partnered with a debt settlement law firm in XXXX, XXXX XXXX XXXX XXXX XXXX. I enrolled three debt accounts at that time. Two of the accounts were resolved within a year. XXXX XXXX ( XXXX ) refused to negotiate with the firm before serving me with a legal notice at my home earlier this year. There was a settlement payment schedule approved XX/XX/XXXX- XX/XX/XXXX. I have made every payment on time through an escrow account since XXXX of XXXX ( $ XXXX ). I disputed through Experian some addresses and phone numbers I did not recognize. XXXX took the opportunity to update my account at that time to " XXXX  '' collections. My credit score took a huge dive at that time. My credit report indicates this account was " XXXX  '' charge off from XX/XX/XXXX to XX/XX/XXXX. To arbitrarily update my account to " XXXX '' as of XX/XX/XXXX seems retaliatory and has greatly impacted my creditworthiness.