davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I DISPUTE THIS SITUATION MORE THE 5 TIMES THEY RESPOND ARE YOUR ACCOUNT IS BEEN VERIFIED AND UPDATE BUT WHEN I CHECKED EVERYTHING REMAIN THE SAME.
Consumer complaint received 2024-02-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (ME)

I didnt realize my interest was so high I have already paid back the balance of the loan {$500.00} and I still owe XXXX more payments of {$130.00}. They also required me to have the payments taken directly from my paycheck every two weeks. I never received the loan contract I can only see it online and its almost impossible to read online and I can not download it. My interest is 621.92 %
Consumer complaint received 2023-02-24
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (NY)

I sent in my payment for XXXX of {$480.00} and it was cashed on XX/XX/2023. On XX/XX/2023 I was contacted by my bank Santander Consumer USA for a missing payment for XXXX. I told them I sent it out on XX/XX/2023 and it was cashed on XX/XX/2023. He said I would need to fax over a copy of the clears check both front and back to XXXX so they could apply the payment accordingly. I contacted my financial institution and they could not provide me with a copy of the check because of how Santander cashed the check and could only provide me a copy of the transaction and bank statement showing the check number and amount of the check. I faxed that over. I gave them a few days to process this and called back. They said that they still needed the copy of the check back and front. I also needed to give them the correct month of bank statement showing the correct check number. I have given all the information I am able to obtain and its not good enough. I always make my payments and make them on time. They should be able to tell that its is my check by the numbers coinciding with each other and the amounts of each check. They have given me a complaint number for future calls but this has taken too long as it is.
Consumer complaint received 2022-10-16
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2023-03-01
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: WELLS FARGO & COMPANY (MI)

So why use my identity? I am a fraud victim. I contacted the company they refuse to take it off my credit report I did not get information for no one to use my information I have contacted the credit report I have sent proof police reports. FTC report and they refuse to take that off my credit report and its messing up my credit. I pay all my bills on time but I will not pay for something. I did not do XXXX XXXX data breach at the time of the transaction was made, and I was one of the people, that was in the data breach I need help to get this off my credit report
Consumer complaint received 2023-02-24
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. (MI)

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. Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX. Account Number : 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 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 2022-09-30
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. (NC)

I HAVE REVIEWED A COOY OF MY CREDIT REPORT AND THERE IS INFORMATION REPORTING TO MY FILE THAT DOES NOT BELONG TO ME. I HAVE CONTACTED EACH CREDITOR REGARDING THIS MATTER AND THEY HAVE FAILED TO PROVIDE ME WITH ANT ORGINAL SIGNGED CONTRACT UNDER FCRA 609a, STATING THAT I AGREED TO OPEN A ACCOUNT AND PERSONALLY SIGNED MY SIGNATURE AGREEING TO PAY ANY DEBT. UNDER FCRA 605B FRAUDULENT INFORMATION REPORTING TO A CONSUMERS FILE MUST ME PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. I HAVE CONTACTED MY ATTORNEY AND SHOULDN THIS MATTER NOT BE TAKEN CARE OF IN A PROMPT MANNER, I PLAN TO FILE A LAWSUIT AGAINST EACH AGENCY REPORTING FALSE INFORMATION TO MY FILE WHICH HAS CAUSES FINANCIAL HARDSHIP AND STEEAS. PLEASE CONTACT ME BEFORE OPENING ANY ACCOUNTS XXXX THE FOLLOWING INFORMATION DOES NOT BELONG TO ME, PLEASE DELETE IT IMMEDIATELY. 

XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

On XX/XX/XXXX i applied for a capitol one card with a XXXX savings on a purchase if approved through XXXX XXXX XXXX in XXXX AZ. The purchase price was XXXX dollars for a XXXX XXXX survival rifle. I was denied. I beleive my credit score to be XXXX. I have a capitol one credit card presently with a credit limit of XXXX dollars. I have had this card for twenty years. I don't beleive i have ever been late with a payment and the bill is payed in full on receipt of the bill. In the twenty years of having this card i have bought several homes. I have bought many new cars and motorcycles. I have bought two new UTVs. I haven't been turned down for anything i have attempted to purchase. I have recently cancelled a couple of credit cards over disputes. I feel i am very responsible financially. Did capitol one deny me for my responsibility? Because i dont carry a balance and pay no interest? Or because they didnt want to give me the XXXX dollar incentive? Or simply because i already have a capitol one credit card? Whatever the reason i feel they have soiled my credit for no legitimate reason. This occured while living at my winter residence at XXXX XXXX XXXX XXXX XXXX XXXX AZ. XXXX. Thank you.
Consumer complaint received 2023-08-24
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (UT)

XX/XX/XXXX IC system contacted my husband to verify a debt that I have with them for my medical debt. And they also told him that any information will be used to can be used to collect a debt or as close to that as they say. I have also asked that they not contact me by phone and only contact me via written communication and they have refused to do so. They have called my up to 5 times a day from different generated phone numbers from XX/XX/XXXX up until this current point at XX/XX/XXXX
Consumer complaint received 2023-05-11
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # : XXXX
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive been trying to dispute this account in several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$280.00}, XXXX XXXX XXXX Balance : {$230.00}
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

There are several transactions where someone at the bank or who has access from a bankers access to make changes to my account. The account has been manipulated and there are two transactions for services not provided where the credit to my account after cancelling my debit card have been reversed regardless no subscription is accessible. I explained to the banker at customer service my email has been hacked into and I no longer have access to the old email address, XXXX. Access to the old email is a requirement for the subscription to be used and can't be cancelled without loggin in for a cancel request to be sent. The bank reversed my disputes for XXXX and XXXX to XXXX and XXXX XXXX and no access to the subscriptions is possible. The next issue is upon setting the account to close, I was told it will remain open until the account has a XXXX balance. There were several pending transactions for the account including a lease payment to XXXX XXXX in the amount of {$210.00} and again, someone with bankers access blocked the payment costing me {$2000.00} this year. I can not afford to have someone decision make on my accounts. They also lied and said " she has a negative balance, there is no money in her account '' when the transaction was pending so that the last transaction could not be processed of {$210.00}. There is no such negative balance and I am attaching the actual balance with the transaction being blocked to the complaint. They are trying to reverse all disputed transactions before the {$210.00} can go through and there was another one where an XXXX delivery was stolen before being brought to my door at XXXX at night, there was NOTHING brought at all.
Consumer complaint received 2023-07-25
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. (TX)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2022-09-30
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. (IL)

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

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

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

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting acXXXX XXXX XXXXXXXX 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 agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-01
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)

To Whom It May Concern TransUnion is listing erroneous and fraudulent information on my credit report. I have written TransUnion last year XXXX and again on XX/XX/XXXX and have sent them the original documentation of my Identification and proof of address, that proves the information they have listed in my credit file is fraudulent. 

Fraudulent and erroneous Information listed on my credit report that needs to be removed Erroneous/Fraudulent Account : A. Creditor : XXXX XXXX XXXX : Unknown Account I wrote this creditor in XX/XX/XXXX and requested documents, contracts or agreements with my signature showing that I owe them money. They responded stating that there was no account found and requested my social security number and additional information. I did not send this information because we have no contract, and they would have this information. This account had been removed from all 3 credit bureaus and been added back. 

B. Creditor : XXXX XXXX Account Number is Unknown I also wrote twice to this alleged creditor requesting debt validation and an agreement with my signature and they had 30 days each time from receipt of letter to send to me, and they have not responded, but TransUnion somehow " verifies '' this item as belonging to me. 


C. Creditor : XXXX XXXX Account Unknown Previously deleted account re-appeared. 


TransUnion is not giving me a proper investigation and Trans Union is knowingly and willfully placing fraudulent and erroneous information on my credit report. As you know consumers credit reports must be 100 % accurate, my credit report is not and TransUnion is purposely violating the FCRA. Please make them remove the fraudulent and erroneous listed above off my credit report.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

under the Fair Credit Reporting Act ( FCRA ) law 15 USC 1681 I request these errors be updated on my report. My credit card from XXXX XXXX I saw on all 3 credit bureaus that my credit age with my credit card is XXXX but my credit report shows my credit age to be less than that from account # XXXX. There are not many options to report this so I chose to have this fixed through a better source.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (MO)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-12-01
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. (MN)

THIS COMPANY IS XXXX XXXX ACCT # XXXX IS APPEARING ON MY XXXX CREDIT FILE AS A CHARGED OFF CLOSED ACCOUNT. I DID NOT OPEN THIS ACCOUNT. THIS IS A FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY PERMISSION. ATTACHED TO THIS COMPLAINT IS A VALID UNALTERED POLICE REPORT SHOWING I AM A VICTIM OF IDENTITY THEFT. YOU MAY CALL AND VERIFY THE VALIDITY OF THIS POLICE REPORT, AS IT HAS BEEN APPROVED BY THE POLICE DEPT!!
Consumer complaint received 2022-10-16
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. (TX)

XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$960.00} XXXX, XXXX XXXX {$10000.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$270.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} Account number XXXX Date opened XX/XX/XXXX 2022
Consumer complaint received 2023-02-24
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. (PA)

hello I noticed that there are unauthorized inquiries on my credit report that I did not authorize the company name is XXXX XXXXXXXX XXXX XXXX XXXX I did not authorize this inquiry they added this to my credit report on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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. (FL)

I was review my credit report yesterday XX/XX/2022 and found a bunch of inquiries that I did not apply for. I reached out to the 3 credit bureaus, XXXX, XXXX and TransUnion. Also I tried to format a FTC affidavit and it redirected me to the cfpb. I want to apply for credit and the underwriter informed me that these inquiries are hurting my chances of getting approved