davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
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. (SC)

I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion is reporting late payments on XXXX accounts XXXX XXXX XXXX Account XXXX and XXXX  XXXX  account XXXX or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2024-06-26
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-03
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, employment information and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, employment information and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, employment information and hard inquiries are the result of identity theft and fraud. 


Fraudulent Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Information : EMPLOYED, XXXX XXXX
Consumer complaint received 2024-06-26
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. (TX)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-06-26
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. (FL)

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These fraudulent accounts consist of a personal credit card account opened at XXXX on XX/XX/year>2020 under the account number XXXX, an auto loan account opened at XXXX XXXX on XXXX XXXX2020 under account number XXXX, and a personal credit card opened at XXXX XXXX  on XX/XX/year>2020 under account number XXXX. 

These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as collections, as reported. The aforementioned accounts as collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts as collections, are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts as collections are the result of identity theft and fraud.
Consumer complaint received 2024-08-31
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: EQUIFAX, INC. (NJ)

The bankruptcy dated XX/XX/XXXX does not belong to me. The bankruptcy date XX/XX/XXXX does belong to me but it was discharged in XXXX New Jersey not XXXX XXXX XXXX as they are reporting inaccurate information
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day it has been over 60 days later I have not received a response ye. I feel like I'm being taken advantage of and being ignored of my disputes, section 611 ( a ) is plainly stated that a failure to investigate these 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2024-06-26
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)

XXXXXXXX XXXX : Account number : XXXX, I am disputing the inaccurate reporting of the date of last activity for this account by TransUnion ( TU ), XXXX ( XXXX ), and XXXX ( XXXX ). TU reports it as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX, and XXXX reports it as XX/XX/XXXX. This inconsistency not only violates credit reporting regulations but also does not correspond with the information in my records. Additionally, XXXX, XXXX, and TransUnion are incorrectly reporting the account type as an auto loan. The account you are reporting is identified as an " installment loan, '' which is also factually incorrect. The true account type for this account is a " Credit Sale Agreement. '' I have the right to an accurate credit file, and discrepancies like these are unacceptable. Please remove this inaccurate information from my credit report as soon as possible.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

OnXX/XX/XXXX a lawful debt request affidavit was sent to XXXX XXXX XXXX I received none of what I requested XXXX XXXX XXXX sent a statement not a signed invoice.They sent a agreement signed by a third party for XXXX XXXX XXXX named XXXX XXXX corporations cant sign because they have no right or mind to contract since they are soulless legal fictions and furthermore no 3rd party can sign a contract on their behalf.They also showed no equal consideration.XXXX XXXX XXXX brought nothing of value to the table and had nothing to lose this company has had more then enough time to send documents i lawfully requested.XXXX XXXX XXXX has since sold the debt to a company name XXXX before verifying anything I requested and is now improperly reporting to credit report.XXXX XXXX XXXX has committed several crimes starting with. Anticipatory Repudication Criminal acts of XXXX XXXX XXXX 1.The contract was void-ab-initio because XXXX XXXX XXXX lied and never intended to lend a single cent of their own asset XXXX valid contract must have lawful or valuable consideration.The contract failed for anticipated breach.XXXX XXXX XXXX never planned to give the Buyer/borrower ( me ) any valuable consideration XXXX XXXX XXXX XXXX XXXX breached all its fiduciary duties to the buyer and is therefore GUILTY of criminal breach of trust by failing in its good faith requirement XXXX XXXX XXXX XXXX violated its corporate charter by lending credit or nothing at all to the buyer ( me ) and then charging interests on this make believe loan.Banks are only licensed to lend their own money not other peoples money.XXXX XXXX XXXX used the buyers ( me ) promissory note to clear the title which essentially purchased the property from the seller.The transaction is an ultra vires transaction because XXXX XXXX XXXX engaged in a contract outside its lawful mandate.An ultra vires contract is void or voidable because its non existent in law 6.Everyone involved in this undertaking with XXXX XXXX XXXX starting with the loan officer, lawyers and even central bank are equally guilty by association by aiding and abetting XXXX XXXX XXXX in its commission of its crimes against the buyer ( me ) XXXX XXXX XXXX XXXX XXXX and the others who profited from the ultra vires transaction are all guilty of unjust enrichment and fraud for deceiving the buyer ( me ) and for acting in concert in this joint endeavor to deceive the buyer ( me ) XXXX XXXX XXXX has sent me the same information THREE times! and fails to send the documents I lawfully requested and has had more then XXXX even 90 days to send documents.Credit report should be updated immediately or hold XXXX XXXX XXXX and XXXX XXXX accountable for federal questioning regarding Anticipatory Repudication UCC 2-610.
Consumer complaint received 2024-08-28
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. (TX)

XXXX FTC Identity theft report, XXXX XXXX XXXX was placed on notice that this was a fraudulent debt that they are reporting as being owed to them. How can I owe them a debt when I have never contracted to do business with them nor signed any agreement waiving any rights? They have not produced any documentation bearing my signature that I have agreed to open an account with them or conduct any business whatsoever. They certified to XXXX that this debt was valid and Im confused as to how anything was certified without XXXX ) a notarized affidavit and XXXX ) proof that an agreement with XXXX XXXX XXXX bears my signature. If it was certified why hasnt this proof been uploaded as a response to this complaint? THIS IS FRAUD and I demand deletion immediately. XXXX XXXX XXXX is purposely delaying correcting this information as required by law as though they are above the system in place to protect consumers. They even lied and stated that they had placed dispute language on the report which they have not as evidenced in the screenshots provided. They are merely attempting to prolong their duties under the law by delaying the deletion.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a transunion.com account. I am billed monthly for my credit report. I have tried to cancel this subscription. When I go to log in the website asks for my social security and then the website takes me to a page that is not working. 
I have called and they keep pushing me to a text platform. 
I am on hold. I want to login and cancel my subscription. 

They are not letting me login
Consumer complaint received 2023-08-01
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I deposited a cashiers check at Chase Bank for XXXX. 

On XX/XX/XXXX I called to see if it cleared and the hold could be lifted. Was told no, because the maker of the check had bounced checks recently. 

I asked if I should call XXXX XXXX XXXX XXXX to make sure funds were good since I released my boat and all legal paperwork to the buyer when I received a cashiers check. 
Was told there was no need to contact them because it was just a Chase Bank hold. 

On XX/XX/XXXX I learn that a stop payment had been placed and the cashiers check was returned. 

I've been unable to reach the buyer, I can't talk to anyone at XXXX XXXX XXXX XXXX when I call their customer service number. 

The only reason I released my boat is because I received a cashiers check via XXXX and my bank Chase accepted the deposit I made in the branch. 

The fact that Chase told me not to call XXXX XXXX XXXX XXXX caused me to lose 3 days that I might have been able to find the buyer. 

Now, I'm stuck with no boat and no money for my boat. 

Chase and/or XXXX XXXX XXXX XXXX need to honor their cashiers check. It's supposed to be the same as cash. How can Chase allow a stop payment?
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO. (MD)

I purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX. 

I financed the purchase with a $ XXXX down-payment through Chase Auto . 

One month after I purchased the car, XXXX XXXX announced that they would file bankruptcy before the end of the year. 

I asked to be let out of the financing contract as many of the features I purchased as part of that contract, had not been delivered, or were malfunctioning, or would cease to function once XXXX entered bankruptcy. 

It has now come to light through news reports that XXXX has been and was aware of serious financial concerns as early as XXXX of XXXX. 

Chase auto, who is the formal financing partner to XXXX XXXX handled all financing new of these issues and the pending bankruptcy, and yet continued to finance loans for cars that would be delivered incomplete and likely become inoperable post bankruptcy. 

I financed with Chase Auto for approximately $ XXXX. 

I asked Chase to negotiate a buyout at a lessor amount and they refused that option as well. I finally received the title to the car two months after financing, because XXXX and Chase new the loans would be completely invalid without them prior to the bankruptcy. 

Chase along with XXXX XXXX, knowingly frauded thousands of consumers in the purchase of these vehicles. 

I am asking them to be investigated along with XXXX XXXX. I want to be let out of this contract and to receive my $ XXXX deposit back. 

If that's not possible, I would at minimum want Chase auto to refinance the loan amount to the current value of the car.
Consumer complaint received 2024-06-26
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-26
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. (AL)

I disputed a bankruptcy item that the XXXX consumer information reporting company and the Transunion consumer information reporting company. I disputed this bankruptcy item with both companies during the disputing process and alerted them that the bankruptcy item that their company was reporting was not my bankruptcy. I received information from both companies at the end of their investigations that the information had been verified as accurate and not changes will be made. I contacted the Clerk of Court and was told that there is NO BANKRUPTCY in their court system for me, as well as, that they do not give court case information to any " credit bureau '' and that they do not verify any court case information with any " credit bureau '', because they do not give out that information. Employees from both companies committed fraud against me, because they sent me dispute results saying that the item had been verified as accurate, when the Clerk of Court said that they do not verify any court case information with any " credit bureau ''. The Clerk of Court also instructed me on how to get to the informational page of the Court website that states this for everyone to see. The XXXX consumer information reporting company is reporting a bankruptcy item on my " credit file '' that does not belong to me, which they did not get from the Court nor did they contact the Court to verify this information, yet they included in their dispute results given to me that this item was verified as correct. The XXXX consumer information reporting company is reporting a bankruptcy item on their " credit file '' attached to my social security number that does not belong to me, which they did not get from the Court nor did they contact the Court to verify this information, yet they included in their dispute results given to me that this item was verified as correct. The Transunion consumer information reporting company is reporting a bankruptcy item on their " credit file '' attached to my social security number that does not belong to me, which they did not get from the Court nor did they contact the Court to verify this information, yet they included in their dispute results given to me that this item was verified as correct. This is in violation of 15 USC 1681s2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), 15 USC 1681e ( b ), and 15 USC 1681 ( b ) ( 2 ). I request that this bankruptcy item that is not mine and is being shared as my consumer information through fraudulent activities by both the XXXX consumer information reporting company and the Transunion consumer information reporting company be removed from the " credit files '' attached to my social security number of both companies.
Consumer complaint received 2024-06-26
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax and XXXX data breaches. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.