davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
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 — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC. (CA)

I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House XXXX XXXX XXXX!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose.

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Have tryed numerous times to get ( Experian ) to remove an address Im not associated with ( XXXX XXXX XXXX, XXXX Virginia XXXX ) I disputed this multiple times and all I keep getting told is its verified/This is illegal because according to consumer law, 15 U.S.C
Consumer complaint received 2023-04-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''
Consumer complaint received 2022-08-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 agencv can not furnish a account without my written instructions
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Credit bureaus will start adding XXXX, XXXX and XXXX and XXXX. They all allow shoppers to buy now and pay later. These such purchases are not being reported to my credit reports but one. I did the loans with the purpose to give lenders a fuller vision of my financial commitments.This is an easy way for people like me to establish positive credit so that I can start getting my scores up and acquire better and more useful lines of credit. You have yet to report anything to my credit reporting companies other than one account.
Consumer complaint received 2022-10-18
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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I would like to start by first saying thank you! This is not the first time I have gone to your service to report a complaint and the help was of great service to me. We had a problem where XXXX XXXX XXXXXXXX closed my bank account as well as all debit and credit cards and held us locked to open any other accounts for 7 years, until we submitted a complaint and your service forced XXXX XXXX  XXXX to apologize, unlock our account, as well as fix our chexsystem status so that we could open accounts again at any other bank. Rightly so, we left XXXX XXXX XXXX and I was able to open a bank account as well as a business account at XXXXXXXX XXXX. However I still can not open a credit card with the bank or any others due to the first issue I had. Because XXXX XXXX XXXXXXXX created the initial issue for me, blocking my account and thus not allowing me to pay off my credit cards as well as remaining/added debts, my credit score rapidly dropped during this period. Before this issue, on XX/XX/XXXX, we were able to open a credit card at XXXX XXXX XXXXXXXX with no issues. When our account got blocked due to their error, on XX/XX/XXXX they closed my credit card with no explanation. We always paid off our cards on time with a perfect credit report history, up until the point of the banks severe error. My credit score dropped from XXXX to XXXX, and my wifes, XXXX XXXX, dropped from XXXX to XXXX. Once we opened our bank and business account at XXXX, I of course applied for a credit card as i am a business owner with a business account, both things going hand in hand. I got approved and had a credit card through them in XXXX of XXXX, and a month later the bank closed our card without any explanation. We contacted chase and they mistakenly opened a credit card for me, and to contact XXXX XXXX XXXXXXXX as they created the initial problem for us. We did all possible attempts to contact XXXX XXXX XXXX and to no avail with no answer coming back from them to date. Our credit since initially dropping has slowly gone up as we are responsible and 100 % on our payments for everything, however on XX/XX/XXXX we tried to open a credit card through XXXX once again, and were denied due to the bank previously accidentally giving us a credit card and then closing it on us. I am a business owner and for my career and company development i require having a credit card. Any reason that i can not be approved for one, is absolutely 0 % my fault and it is unacceptable that a banks error is pausing my career growth.
Consumer complaint received 2023-03-26
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 2022-09-23
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. (MI)

This account is inaccurate and was opened fraudulent and is not mine remove immediately.accounts are as follows XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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. (PA)

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 XXXX has violated my rights. 
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 XXXX 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 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 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Approximately six ( 6 ) months ago my home mortgage was purchased by Fifth Third Bank. 

Several months ago I set up automatic payment of my mortgage from my checking account. 

My mortgage payment is scheduled to be paid on the XXXX of each month. 

On XX/XX/2022 I received an email from Fifth Third Bank informing me that my " account ending in XXXX requires prompt attention '' and that I should take one of the following actions as soon as possible :. Go to XXXX, or any Fifth Third branch to make a payment today .Give us a call at XXXX, option 3 to discuss your account. We're available Monday Thru Friday, XXXX to XXXX. 

.Mail us a payment by check Over the past several days I have contacted Fifth Third Bank to find out why I was sent this email. I was transferred to at least 5 different department. During my first call I was informed by the representative that my XXXX payment had not been made. I told the representative that I had automatic payments for the XXXX of the month already set up. He again repeated the same thing and only after asking him to check again did he see that my payment was set up to be paid the XXXX of each month. 

However, I had still not yet received an explanation as to why I was sent this email. 

Also, it is my understanding that any communication sent that is an attempt to collect a debt must state this fact ; there was no such statement on the email I received. 

Again today I called back and was transferred to several number. 

Finally, the last person I spoke to said that the email I received was just a " friendly reminder '', and that, if in fact I had a payment scheduled, I could just ignore it. 
She explained that it is the procedure of the bank to send out " friendly reminders '' when a payment is not received on the XXXX  of the month. 

I told the representative that I considered this sort of communication as harassment, and a waste of time on the part of the bank. 
I further indicated that based on what I had been told that I would receive these " friendly reminder '' emails every month. 

I again asked as to why the bank would waste their time to send a " reminder '' to a customer whose payment was not yet due and was in fact scheduled. 

Not receiving an answer, I terminated the call.
Consumer complaint received 2022-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC (GA)

I made an uninformed decision when entered into this credit transaction on XX/XX/2022. This consumer credit transaction creates debt. I moved to Georgia and their limit for interest rates is 16 percent. The loan wasn't clear and conspicuous. There was no evidence of indebtedness unless agreed and I made an uninformed decision. I've paid almost {$2000.00} into this transaction and my balance isXXXX. I am the original creditor and consumer, not the customer or debtor. Again, I made an uninformed decision. All rights reserved without prejudice. 
The agreement is null and void. 

15 USC 1601 ( a ), 15 USC 1601 ( g ) ( 2 )
Consumer complaint received 2023-04-03
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. (TX)

on XXXX 2023, XXXX XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX  XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX XXXX. 

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides XXXX XXXX XXXX  did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX XXXX  did not verify my debt validation, and which shows XXXX XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX : Account # XXXX, has violated my rights. This company continues to report a 30 day late payment to XX/XX/XXXX from XXXX of XXXX. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 instructions of the consumer to whom it relates. - I never gave these written instructions. & also. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. -I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2022-09-13
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-03-26
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. (SC)

I was looking at my credit report and saw that the XXXX account was dropped off in XX/XX/XXXX and I noticed that you reinserted it back on my credit profile in XXXX XXXX. I know it is against the law to re-age the account and I expect it removed now.
Consumer complaint received 2023-04-06
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (MS)

I XXXX XXXX have 4 hard inquiries on my credit report, and i didn't give anyone permission to use my name under any circumstances. It's affecting my credit score and i would like to have it removed.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (OH)

My name XXXX XXXX. Someone is impersonating me and stole my identity. I am requesting that any other variation of my name be deleted because its wrong, thats not me. 

My address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove every other address because no mail can be delivered to me through the Post Office, to these addresses and are therefore not reportable according to the Fair Credit Reporting Act ( FCRA ). 

I did not grant anyone written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be deleted immediately My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX | XX/XX/2022 You have reported information that has damaged my reputation, caused me personal harm, and denial of credit products. Please remove these items now. 

I look forward to your response. Thanks
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The account is still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. I am questioning the bureaus ' capacity in regards with my concern. Please do a re-investigation on this. Below is the account that's still reporting on my report : CAP1/SAKS XXXX XXXX {$200.00}
Consumer complaint received 2022-10-30
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)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. Also, 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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( THESE ACCOUNTS HAS VIOLATED MY RIGHTS ) 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.