davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (MA)

I want to require Santander Consumer USA to verify account XXXX and send me proof that they, when extending my credit, used their own funds to pay for the XXXX XXXX XXXX XXXX. I demand proof, not the contract, I demand proof that they paid for my property with their own funds, I want a receipt for said transaction. Because I spoke to them and their agent alleges that they paid for the property with their funds. I want reliable evidence. Their representative rectified that they paid for the property with their own credit and with their own funds. If this is so, I demand that the credit transaction be verified, not the contract, the credit transaction that shows that they used their credit or their funds to pay for my property THE BANK CAN NOT LOAN CREDIT Law of Truthfulness in Loans, Jurisprudence and Regulation Z The Truth in Lending Act was passed to prevent unsophisticated consumers from being misled as to the total cost of financing. Truth in Lending Act, Section 102, 15 U.S.C. Section 1601. Griggs v. Provident Consumer Discount. 680 F.2d 927, certiorari granted, annulled 103 S.Ct. 400, 459 U.S. 56, 74 L.Ed.2d 225, in return 699 F.2d 642. 

" In federal courts, it is well established that a national bank is not empowered to lend its credit to another by becoming a guarantor, guarantor or guarantor for it. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S. 669.

" A national bank has no power to lend its credit to any person or corporation. '' Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied at 20 S.Ct 1024, 176 US 682, 44 LED 637.

" It has been established beyond all controversy that a national bank, by virtue of federal law that limits its powers and capacity, can not lend its credit by guaranteeing the debts of another. All contracts of this type entered into by its officials are ultra vires " Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ). 

" It is not within those statutory powers that a national bank, even if it is solvent, lends its credit to another in any of the various ways in which it could be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ).

" A bank can lend its money, but not its credit. '' First Nat 'I Bank of Tallapoosa v. Monroe , 135 Ga 614, 69 SE 1124, 32 LRA ( NS ) 550.

" ... the bank is authorized to lend money as personal guarantee ; but it must be money what it lends, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No. 12, 642, 1039.

" The contract is void if it is only partly connected with the illegal transaction and the sole or complete promise. '' Guardian Agency v. Mutual Guardian. Savings Bank, 227 Wis 550, 279 NW 83.

" Banking associations, by the very nature of their activity, are prohibited from lending credit. '' St. Louis Savings Bank vs. Parmalee 95 U. S. 557
Consumer complaint received 2024-02-08
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX DE XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX Balance : {$1500.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-28
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. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent and reported it across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of Fort Walton Beach, Inc (AL)

Collection company keeps tagging my credit report as a skip when my address is correct and they know it is because I told them. I have gone through XXXX and they just won't stop. They keep doing it several times a week to damage my credit in an attempt to collect bills I have disputed
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Trident Asset Management, L.L.C. (OH)

I advised the creditor that they are only authorized to contact me using my own phone number. 
They called someone who is unrelated to me and who has never been used as any kind of reference. 
When asked to not call any other than my own, I was told they can not remove any numbers that they have on file even though I did not provide any other numbers. 

They are calling from XXXX.
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (ND)

I am quite sure that Synchrony Bank, which issues both the XXXX MasterCard and XXXX Visa, has been charging many or most of my XXXX purchases to both cards - in fact charging me double. They have probably been doing this to thousands of other people as well. I have used the XXXX Visa almost exclusively since XXXX, yet my XXXX MasterCard bill for XXXX is double what it was before. I first discovered this when I noticed I was not getting the promised 3 % cashback on XXXX Visa purchases. This was because all of them were listed by Synchrony Bank as " XXXX, '' although I do n't even have this card as a XXXX payment method : XXXX MasterCard is the only credit card I have listed on XXXXl as a payment method. ( It would not even be possible for me to make a XXXX payment from XXXX Visa, yet all my XXXX Visa payments are listed as " XXXX ''! ) Now I find that they have been charged to XXXX MasterCard, through XXXX and also to the XXXX credit card that I used directly. My XXXX MasterCard bill currently is over {$480.00} although I have scarcely been using this card since XXXX, and double billing is the only possible explanation. I am saving the complete lists from both cards, and find they are almost but not quite the same - often a few cents difference, to the same recipient on the same day. This may be a way of disguising it. But I have no doubt that this is what they are doing.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hello, I sent 3 dispute letters to XXXX, Experian & XXXX  around XXXX to dispute a few items off my credit report. On XX/XX/2020, I received a letter from XXXX  only stating that the dispute does not currently appear on my report. 

I changed my legal name just started notified all agencies ( passport, social security, driver license, bank ) earlier of this year. Additionally, I have not borrowed any money or applied for any credit card ever for a long time. 

I am assuming since my social security and date of birth are remaining the same, the credit agencies will have access to the same information. ( isn't that the whole point of investigating?! ) At the end of the day, I am not sure the status of my dispute with these 3 agencies. Please advise. 

Thank you, XXXX
Consumer complaint received 2019-09-12
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: EQUIFAX, INC. (LA)

I have inquroea by XXXX XXXX and XXXX XXXX  I never authroize these to do a crwsit inquiry or aign up for credit with them I do not know who they are. I do not have anything at all with these businesses These I inquries are from fraud
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, and XXXX 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 an account without my written instructions.
Consumer complaint received 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I have a mortgage with Dovenmuehle Mtg. Company My taxes are paid in full in advance for the year, I pay my insurance separately as in my contract. My payment has been XXXX per month as in my contract and I have never been late. Without any explanation my mortgage went up to XXXX No one can tell me why nor explain to me why. My mortgage is not an Escrow account. I am a Senior Citizen and on a fixed income and I am being taken advantage of
Consumer complaint received 2018-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I placed and received confirmation that I had successfully placed a security freeze on my credit report with Equifax on XX/XX/XXXX. In the body of that confirmation email, it says : " A Security Freeze has been placed on your Equifax Credit File on XX/XX/XXXX. In order to ( i ) permanently remove the security freeze or ( ii ) authorize Equifax to release your credit file for a specific period of time, you must provide us with a 10 digit personal identification number ( PIN ). '' and which included my designated PIN. 

Yet, when attempting to temporarily lift the security freeze with Equifax today, I was able to do so without providing that unique PIN : 1. Navigate to https : //www.equifax.com/XXXX 2. Click " Get Started '' 3. Enter First/Last Name, Current Address, Social Security Number and click " Continue '' 4. Enter an email address and password 5. Choose to verify your identity through your email address 6. Enter the 6-digit code sent to that email address 7. You should be redirected to https : //my.equifax.comXXXXXXXX XXXX XXXX 8. Click " Place or Manage A Freeze '' 9. Note that in  the box in the right, the following text appears : " How do I get my PIN? 
During the confirmation step, you will receive a one-time PDF available for you to view and print. Your PIN will be required to temporarily lift or permanently remove your security freeze via phone or mail. '' 10. Click " Temporarily lift a Security Freeze for a specified Date Range '' and accept the Terms of Use and click Next 11. Enter the dates you want the freeze to be applied The freeze is successfully lifted and the consumer is presented with a PDF confirmation with the following content : " Security Freeze Date Lift Confirmation At your request, we have temporarily lifted the security freeze on your Equifax credit report for the following period : XX/XX/XXXX XX/XX/XXXX We will automatically reinstate the security freeze at the end of this time frame. 
Please print and keep this page for your records '' At no point during this process did I provide strict verification of my identity, nor my unique PIN, in violation of the documented process and to the detriment of the security of my personal information.
Consumer complaint received 2022-07-16
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 XXXX XXXX XXXX, XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX 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 an account without my written instructions.
Consumer complaint received 2022-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account listed is not my account please remove asap XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX
Consumer complaint received 2024-02-08
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. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (MI)

I was told my credit was going to be ran once for auto loan it then was ran multiple times through 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 2022-07-16
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. (MI)

I was told my credit was going to be ran once for auto loan it then was ran multiple times through XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc (CA)

Hi, My Problem is with Paypal, Some 4 months or more ago palpal had suspended my personal PayPal account due to their statement of violation of the terms of services. 

I have tried to reach them over the phone but never get through to anyone to discuss this issue. I emailed them, then the reply was as stated before, I asked exactly what was the specified transaction or transaction that violated the terms of services, but unfortunately, I never got any specific answer, only the general vague response of violating the terms of services with no specific or reference to the stated violation. 

The Account had a balance of XXXX if I remember correctly and was frozen and can not use it or transfer it for my bank account or pay for any purchases, and was informed that it will be there for 180 days. 

Today XX/XX/2021, I received an email from Paypal stating that " {$190.00} USD ; Paypal posting date : XX/XX/2021, payment to Paypal damages caused by Acceptable Use Policy Violation ; Paypal Damages caused by acceptable Use Poly violation. 


Transaction type : Correction. 
-- -- -- -- -- -- -- -- -- -- -- -- I have the civil right to specifically know what and how I had violated these rules and to know where I did make the mistake to be held liable for this penalty both financially and mentally. exactly what happened? why they did what they did? NO Answer from Paypal. that is so uncivilized and unlawful, when someone is being penalized, he or she would have known the exact situation of their violation not just blunt and blank accusation, in order to review and respond to these charges. it is at least just a fair " Due Process as they say. 

this is totally unacceptable and totally offensive and I believe under fair law it must be solved according to the just and fairness to both parties. 
I demand an exact reference to the stating the violation incidence that I was charged with and entitled to my full rights under the law. 
Thanks,
Consumer complaint received 2022-07-09
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. (CA)

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 2020-09-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates (NV)

A representative who identified himself as XXXX ext. XXXX called my cell at XXXX Central on XX/XX/20 from a phone number of XXXX. The representative became very pushy when I told him I would settle the account on XX/XX/XXXX for a settlement amount of roughly {$1100.00} & a deletion letter. After becoming very rude I told him the hard sell approach doesn't work with me & I would make it a point to pay another representative to ensure he doesn't get the commission. He proceeded to tell me he'd be moving the account into his name & whenever I call in I'd have to speak with him. He then terminated the call. I called a second time at XXXX and he answered & hung up on me again. I called a 3rd time at XXXX spoke to a representative who identified herself as XXXX . I requested she note my account that the last representative was very rude & that I'd like to make a formal complaint. I was informed XXXX was a manager there and that she didn't want to " get in trouble ''. I requested to be transferred to the Human Resources department & she agreed. I was then transferred to XXXX again and from there proceeded to tell me unless I'm ready to make a payment there was " nothing to talk about ''. He proceeded to hang up on me for the 3rd time. I called a fourth time I spoke with a male representative who I asked to transfer me to the customer service department. The representative put me on hold, and XXXX again got on the call. He told me human resources doesn't speak with anyone externally & that he handles all the complaints for the entire company. He told me there was no way to file a formal complaint but to tell him what happened. To say the least this was very unprofessional. I feel the way he screamed my social security number & date of birth was very concerning. I feel that I was denied the opportunity to file a proper complaint. I feel I was verbally abused on this phone call while I was at work. I'm concerned that other employees refused to transfer me to any other employee. I understand collections is tough but the fact that a manager is allowed to conduct himself this way on a call is alarming. Obviously there is a lack of training, I only gave him 2 objections before his melt down. His rebuttal to requesting a call back on XX/XX/XXXX was " Why? ". I suggest he role play more & also someone play the call back for him that generally helps. I hope this reaches someone internally who will hold him accountable. These are challenging times in our country, you guys are calling people with real problems. We don't need to be berated by a telephone tough guy on top of everything else. Hope you guys handle this internally because it's the right thing. But if not do it because this guy is not very good at his job, he should be in a training class not managing people.
Consumer complaint received 2022-07-09
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 # 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 2020-08-01
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: Experian Information Solutions Inc. (IL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX  on my Acct # XXXX is fraud. XXXX XXXX, XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX