davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NY)

I was targeted by an auto loan lender Sandtander Bank with predatory lending ( Extremely high interest rates for people with less than perfect credit that live in impoverished and low income neighborhoods ). 
The auto loan account was promised to be removed from my account and forgiven after 2 plus years of ownership, but this has not been done as of yet ... even after multiple attempts to reach Santander. I also tried contacting the lender through the credit reporting agencies, but my claims were not addressed directly. I received generic respnses that did not specifically address my complaint. Moreover, Santander bank was sued and lost the case for this same reason ( predatory lending ). All of the documents pertaining to this settlement/lawsuit was in fact mailed to the 3 credit bureaus with certified mail. I will 100 % admit that I was actually happy to get the financing initially bc I was badly in need of a car for work, and the payments seemed mangeable to me at the time. In any event, soon after i feel behind on the payments and realized after speaking to other people that I was being charged over 10 times what the majority of other people in the US pay on auto loan interest. And, my rate is close to 30 % annually. This account is destroying my credit and ultimately my life experience. NOT TO MENTION THAT THE CAR WAS A LEMON. HAVENT BEEN ABLE TO DRIVE IT IN OVER A YEAR. Please help. Thank you.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

PNC bank purchased my XXXX bank account so I never opened this account. There was {$0.00} in this account and my debit card was never activated. The debit card was never used and never left my possession. There was a $ XXXX charge made on XX/XX/XXXX and due to the charge PNC closed XXXX account. I did not know about the charge until XX/XX/XXXX when I received a letter saying my bank account was closed. I have been on the phone with PNC bank for almost XXXX hours being transferred to random different lines. None of the employees will give their information except for first name except XXXX XXXX in the debt collection department. This is the most unprofessional bank I have ever dealt with and can not resolve an unauthorized {$45.00} transaction. How can someone trust this bank?
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

IC systems Inc. purchase a debt from XXXX XXXX XXXX XXXX and claims I owe a debt for {$580.00} with no documented proof and a complete incorrect address with no Social Security information and theyre trying to time my first and last name to a debt thats not mine I have spoken XXXX in the past and they all agreed to remove the debt they have then since then again tried to collect a debt that is not legally owed this is now becoming harassment and I want to stop now Im offering them 30 days to remove this from my the account and I want documented proof that this was removed in writing if not I will file a claim against you all
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (OK)

This is going on in a large scale. I was told by the operator over the phone. 
You change credit card numbers to avoid recurring charges from something you keep getting charged that you bought once. Well every time The bank gives me a new Credit card number VISA updates the merchant that you do not want the charges from with the new Visa credit card number issued. 

Because it is a recurring charge VISA updates the merchant. The idea a of getting a new number is to avoid recurring charges of nothing you do not want. VISA SHOULD NOT BE BE GIVING MY NEW ACCOUNT NUMBER PERIOD. 

Also I got stuck with the bill from the bank. THIS practice is Fraud and VISA needs to stop. The new number was for me to update who I want to pay. VISA has taken the liberty to do that for me. That is Stealing. 

This is going on in a large scale. 

Thanks XXXX XXXX
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc (UT)

Recieved a letter stating i owed a debt from XXXX XXXX ..i currently have a credit line at XXXX XXXX  contacted there fraud service they stated my credit is in perfect standing and have no idea what it is... i contacted XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXXXXXX XXXX the XXXX of XXXX XXXX mountian stadard time they at one point said the debt is not with home depot but could not give the name of where the debt was from..I then asked for original doc of debt they stated they will try to get it. Legally they need to give me company name i owe the debt to and have failed instead giving me a false company i which my credit is perfect.Im seeking full compensation allowed..
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have recently reviewed my credit report and observed inaccuracies and discrepancies in the personal information reporting. 

Reporting in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX Reporting XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Reporting TRANSUNION XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Compliance with FCRA 605B dictates the eradication of inaccurate accounts from my credit report. Could you kindly inspect the documents? The presence of inaccuracies in some listed accounts is unsettling for me.
Consumer complaint received 2022-04-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

XX/XX/22 - I submitted a complaint towards Experian, XXXX, and XXXX XXXX regardinga bankruptcy they are currently reporting on my credit profile. 

Each agency replied that my credit profile has been updated with the correct information, and the updated information was received from XXXX XXXX. 

Per the attached document ( please read highlighted portions ), XXXX XXXX deleted this bankruptcy from their records on my profile with them.
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I reviewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXX/ {$8700.00} / XX/XX/2022
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have sent a request to Experian twice asking to properly update their information concerning XXXX XXXX XXXX [ Account XXXX ]. I have never opened an account with XXXX XXXX XXXX. Experian has refused to correct the erroneous information or even acknowledge the two letters I have mailed to them. Please help.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (AZ)

On XX/XX/XXXX, I was arrested XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All my clothes, hygiene, dog, wallet ( with my Card com card, my XXXX XXXX  card, my XXXX Card, my XXXX  DL, and cash ), laptop, etc. were all in the room XXXX XXXX XXXX. I was incarcerated at the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. None of my clothing, hygiene, debit cards or money was at XXXX XXXX when I was released on XX/XX/XXXX. When I finally got into my CARD.COM account, there were several transactions from XX/XX/XXXX through XX/XX/XXXX XXXX, XXXX. Since I was incarcerated, with NO access to my cards, my phone, etc. at the time of the charges, there's no way I could have made any of those transactions. I filed a Dispute on XXXX separate occasions with CARD. COM, per their request, with all the required paperwork ( police report, Arrest Report, etc. ). CARD. COM denied my claim.
Consumer complaint received 2022-02-26
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. (GA)

I am a victim of Identity Theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX collections XXXX, XXXX XXXX, XXXX XXXX, all has Fraudulent accounts on my credit profile that needs to be removed immediately.
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-18
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)

Would like to file complaint in regards to Transunion. They have reported things without my knowledge., or considered a dark pattern which has impacted my credit tremendously. As well as they do not update information accurately or in a timely fashion.
Consumer complaint received 2022-04-18
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. (IL)

In accordance with the Fair Credit Reporting act 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 agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-18
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. (AL)

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. 

List account name here with the account # ( Do not list over XXXX accounts and XXXX inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 

15 USC 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX DOB : XX/XX/XXXX SSN : XXXX To Whom it May Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXXXXXX XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Balance : {$610.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Balance : {$940.00} Date Opened : XX/XX/XXXX Account Name : Dept of Ed / XXXX Account Balance : {$200000.00} Date Opened : XX/XX/XXXX Account Name : US Dept OF EDUCATIONXXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : US Dept Of EDUCATION XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : US Dept Of EDUCATION /XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Balance : {$180.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX has violated my rights by reporting a late payment for XX/XX/XXXX. 

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 an account without my written instructions. 
15 U.S.C 1666 b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Please update my XXXX XXXX XXXX XXXX XXXX Acct # : XXXX, account to Paid as Agreed/ Never Late. 

Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Balance : {$30000.00} Date Opened : XX/XX/XXXX The following Hard Inquiries reporting are unauthorized. Please remove 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 Thank You
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX has been negatively impacting my credit by reporting late and other inaccuracies. per 15 usc 1611/15 usc 60802 part b/ 15 usc 1692 f # 6
Consumer complaint received 2015-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent requests to TransUnion to stop falsely reporting derogatory against me stating that I have an unpaid medical bill in the amount of {$76.00}. TransUnion continues to falsely report information from XXXX XXXX XXXX, # XXXX ( XXXX, VA ) ; stating that this debt is allegedly owed to XXXX. I am a XXXX XXXX XXXX Veteran and have 100 % free medical coverage! This debt could possibly be my son ( I do n't know ) ; he has my name, stayed with me for one year, but has long since moved away. However, we have different social security numbers and birth dates, so this problem can be easily resolved. I have zero medical bills, and I have repeatedly communicated this fact to TransUnion unsuccessfully .... please help!
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-04-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXccount # XXXX XXXX XXXX  Account # 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 agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I reached out to XXXX XX/XX/22 to have additional personal information remove from my report the rep I spoke to confirmed the info i request to have thats correct to stay on my report. She verified it would take 24 hours to be removed. I called XXXX again today XX/XX/22 to inform them I still have info that was verified to be taken off its still on my report. They advised the name is linked to an open accounts. It is listed as also known as. I informed XXXX I do not go by an alias name nor did I ever go by another name previously. The accounts they are speaking of has collection on it. It can not be in collection and open at the same time. The address XXXX refuse to remove I never live there and I told them I never live there before. They said that that address is linked to an open account and I advised them that open account was on my report years ago and this address is just populated on my account. I advised them that I have the paperwork with the address that should be on my report from that company available to send to them but they said that may not help and I have to reach out to the company. I explained to XXXX that I spoke to the company and they sent me information to address thats on the account and it is not the XXXX address thats reporting on my consumer report. I informed XXXX three times that they are violating my consumer right 15 USC 1681B and they did not seem to care because they say they are following their policy and I explained to XXXX that federal law Supersedes their policy.