davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
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. (IN)

I DO NOT GIVE OUT MY PERSONAL INFORMATION TO ANYONE RANDOMLY. I BELIEVE MY PERSONAL INFORMATION WAS COMPROMISED AND EXPOSED THROUGH THE USE OF ONLINE SERVICES WHILE APPLYING FOR CERTAIN THINGS ON THE INTERNET. Yesterday I checked my credit report. While doing so I see iterns and inquiries that aren't mine. I don't understand what's going on but these items and inquiries are not mine and the all need to be deleted from my credit report. I got in contact with the police and FTC. Please help me.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

A fraudulent charge was charged to my account XX/XX/XXXX. I called and let Chase know that I had not authorized the charge. Chase immediately closed the card and issued me a new one. At no time did Chase warn me that Chase could have given my credit card number out. At no time did Chase tell me that it planned to give my new card number to anyone. If I had known that, I would have closed the account. Chase claimed to investigate the fraud and removed the charge. 

I called Chase the first week of XX/XX/XXXX to close the account. I was offered a special interest rate to keep the account. I never got the special interest rate and was transferred around and was not able to cancel the card. 
I did not use the new card. No one knows the new card number but Chase as I put it away. 
The same fraudulent charge appeared on the account in XX/XX/XXXX but Chase misrepresented the date they posted it on the XXXX statement as XX/XX/XXXX. XX/XX/XXXX of XXXX has not occurred yet. This charge was clearly a mistake. I reported the fraud again. Chase immediately responded without investigating, saying that it would accept the charge. I asked for the information about this alleged company : the physical address, working phone number that allowed speaking to a human, an account number or description of services or date the service was supposed to have begun or the address of service. Chase gave no information. 

Chase defrauded me on the phone when I called and reported the fraud in XXXX. Chase told me at the time at the end of XXXX that it would investigate the fraud. There is no evidence that Chase ever investigated the fraud in XXXX. 

Chase defrauded me on the phone when it said that it was sending me a new card without disclosing Chase 's intent to give my new number to anyone. 

Chase defrauded me in XXXX when it refused to close the account, offered a lower interest rate it did not have available to offer, in an effort to keep the card open so it could continue giving my account number out to scammers. 

Chase did not disclose the terms of having the card open in the first place. Chase never told me that it would give out my account number to anyone who asked for it to charge me money. Chase never said that it would act as a debt collection agency. Chase never said that it didn't really investigate fraud. In fact, Chase has advertised that it has a fraud department that investigates fraud. In this case, Chase never investigated the fraud.
Consumer complaint received 2021-03-12
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. (PA)

I am writing to delete the following information in my file. The items I needed deleted are listed in the report. 
I am a victim of identity theft and did nit make the change. I ask that the items be deleted to correct my credit report I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX
Consumer complaint received 2021-03-13
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. (NY)

XXXX TRANSUNION, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS INFORMATION!!!!!
Consumer complaint received 2021-03-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MI)

I disputed a collection on XXXX  in letter below which was notarized and sent certified mail, about an unverifiable loan Jefferson Capital. keeps putting on my credit report. I requested they verifiable documentation from this company that I have an account with them i.e signed contract with my signature.And if this info cant be verified be removed from my credit report. According to the Fair Credit Reporting Act, SECTION 609 ( a ) ( 1 ) ( A ), you are required by Federal law to verify through the physical verification of the original signed consumer Contract any and all accounts you post on a credit report. Otherwise, anyone paying for Your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( an original Consumer Contract with my Signature.
Consumer complaint received 2021-03-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2021, I tried to access my account at Marcus.com -- an online bank operated by Goldman Sachs Bank USA -- that I opened more than two years ago. I could not proceed to access my account without inputting my occupation and salary information, which the website claimed is " legally required. '' I'm told after 40+ minutes with customer service that the requirement is mandated by federal law. I know of no federal law that requires a bank to obtain occupation and salary information after opening a savings account, and the representative was not able to provide support. Certainly there is nothing in the deposit account agreement that a customer has to provide -- or continuously update -- occupation and salary information. Can you please help?
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Subject : Complaint Regarding Inaccurate Information on Credit Reports XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account I am filing a complaint against XXXX, XXXX, and TransUnion due to inaccurate information reported on my credit reports regarding an account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ). Below are the details of the discrepancies : XXXX. Account Number Discrepancies : XXXX is reporting a different account number for this account than what is shown in XXXX and TransUnion reports. 
XXXX. Account Open Date Discrepancies : TransUnion reports a different account open date compared to XXXX and XXXX. 
XXXX. Late Payment Reporting Discrepancies : XXXX reports four late payments, while TransUnion and XXXX report five for the same account. 
These discrepancies are violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ), which requires credit reporting agencies to ensure maximum accuracy. Under 15 USC 1681n, each willful violation is subject to a {$500.00} fine. Additionally, 15 USC 1681o holds agencies liable for negligent noncompliance, and 15 USC 1681s-2 outlines the duties of furnishers to provide accurate information. These inaccuracies also breach the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ), which mandates compliance with U.S. laws regarding consumer credit information.

I request that the CFPB investigate these inaccuracies and ensure the immediate removal of this incorrect trade line from my reports with all three bureaus. I also request enforcement of fines of at least {$500.00} per violation, totaling {$1500.00} for the three violations noted. 
Please provide a response detailing the actions taken to correct these issues.
Consumer complaint received 2024-09-09
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)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : TRANSUNION Account Type : Secured Credit Card Dear Sir/Madam, I am exercising my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) to formally dispute inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have noticed the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest : reported balance : {$260.00} Current : balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Account type : Secured credit card. 

XXXX : Highest reported balance : {$0.00} Current balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' It also states that the accounts unpaid balance was reported as a loss by the creditor. 
Account type : Credit line secured. 

XXXX : No information reported regarding this account. 

These inconsistencies between the credit bureaus, particularly regarding the balance reported, account status, and type, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy in the consumer information they report. TransUnion and XXXX report different balances, with XXXX listing a {$0.00} balance for the highest amount, and XXXX reports nothing at all regarding this account, creating a discrepancy. Additionally, XXXX notes an unpaid balance reported as a loss, while TransUnion does not. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to accurate and clear information about my credit obligations and payment history. The discrepancies between the reports are hindering this right and inaccurately affecting my credit score and history. 

I request that you investigate this dispute under the FCRA and TILA, and remove the inaccurate information, including the charge-off, from my credit report. The differences between the credit bureaus indicate the inaccuracy of the reported information. Please provide me with the results of your investigation and a corrected report as soon as possible. 


For your reference, I have attached copies of my credit reports showing these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (MN)

I want to open a chase bank account but cant because my social security number is being used under a business account but not as a social. Im assuming theyre using it as a tax payers number cause im a XXXX employee. But the bank cant give me information because technically its not me but under my identity. I want their account flagged for fraud and removed. They are the reason i havent been able to receive my stimulus '
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I recently paid off my student loans to bring the account into to good standing. When I did that experian also placed a late payment status on my account making seem as if I just was late on a payment. Before I paid it off there were no late payments on the account. I tried to disputing error with experian. They just told me it was verified. I also made them aware that it was impossible for me to have a late payment in XXXX of XX/XX/2020being that the CARES ACT was passed year and half ago. This inaccurate late payment that was placed on my account in error is hindering me from by a home and further more getting funding to go to school. Can you please have experian to remove the late payment.
Consumer complaint received 2024-09-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. 

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able to obtain credit right now and that is not acceptable. 

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. 

XXXX XXXX XXXX : XXXX The payment status is incorrect, please delete. 

XXXX XXXX : XXXX The past due amount reported is incorrect, please delete. 

XXXX : XXXX The payment status is incorrect, please delete. 

XXXX XXXX XXXX XXXX : XXXX This account isn't reporting correctly, please delete. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of these collections misrepresents my payment history and negatively impacts my credit score. Furthermore, 15 U.S.C. 68 0 2 states ; A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assistingme due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). Ikindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit ReportingAct. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information fromTransUnion.

Please delete the following accounts : XXXX XXXX  Account # XXXX, XXXX  Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX Account Number XXXX
Consumer complaint received 2021-03-13
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. (TX)

I have a twin sister who's name is XXXX XXXX XXXX. Our birth dates are the same and social security numbers are 2 digits different. Her negative items reflect on my credit along with her accounts simply because our information is similar. 

When her credit is ran it pulls mine also. Same as when mine is ran it pulls hers. Our credits are linked some how because of the credit bureaus
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: MoneyLion Inc. (IL)

Received an unsolicited debit card in the mail, indicating that I had somehow signed up for a product. It's similar to the activation that you would receive when your main bank sends a replacement or new debit/credit card. It included a working debit card, with an account number assigned, despite no I formation being given to them by me. It includes an account number, routing number, expiration date, security code, and my name printed on the card along with a chip and MasterCard logo. A quick search found that others have received this deciptive marketing practice and we're concerned about identity theft. All sources told me to quickly file with CFPB.
Consumer complaint received 2021-03-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TN)

I applied months ago with Cardinal and received my pre approval. The file went through initial underwriting normally with the underwriting team responding back with Conditions that should be met before the loan would be approved. The conditions were suspicious and seemed to have nothing reasonably to do with ensuring my ability to pay the loan or complying with FHA guidelines. Some of them seemed very targeted and arbitrary, but none the less, I complied and completed every requested including pay off a tax obligation that was 1. not yet due 2. was not in collections 3 did not interfere whatsoever with the company 's ability to secure first position with the mortgage. The night after closing was suppose to happen, the underwriter seemed to question a document that I sent months ago that she approved. THe document referred to my student loan payment that was in forebearance due to a federal legislative act. She took issue with the document disclosing an " estimated '' payment instead of actual payment after forebearance. Because it said estimated and not the actual payment, she inputed a payment that is 4-5 times the estimated payment. This imputation that clearly at odds with evidence and what is reasonable, took me out of appropriate DtI which is now the bases for denial. I believe, and have said multiple times that I am being discriminated against in this loan.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

This company has let me down so bad this is 90 days of XXXX when I notify the bank before transfer went through on the XXXX and they send me a letter on the XXXX acknowledging that the XXXX transfer did not go through yet and they gave me my XXXX back then later on. They totally give the theirs XXXX hundredand charge me for it please help I did all the necessary steps to prevent it from happening. Please help now they got my account overdrawn XXXX dollars thats not my fault.
Consumer complaint received 2021-03-13
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)

I have a twin sister who's name is XXXX XXXX XXXX. Our birth dates are the same and social security numbers are 2 digits different. Her negative items reflect on my credit along with her accounts simply because our information is similar. 

When her credit is ran it pulls mine also. Same as when mine is ran it pulls hers. Our credits are linked some how because of the credit bureaus