davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MA)

I applied for a car loan through JP Morgan Chase Auto on or around XX/XX/year>, and the Bank approved my loan. All of the correspondence said that I simply needed to take my loan application/approval into dealer in their network and the loan would be processed. I ended up going through one of their preferred dealers, and the dealership repeatedly said that they had issues getting my loan approved through Chase. Chase apparently had my first and last name in incorrect fields, which was causing issues locating the application. The issue had to be escalated for review. I spoke with an associated at Chase Auto, and they reported that my application was ready to go, and they also confirmed that they didn't need to pull my credit again as a result of this issue. I return to the dealership and they are still unable to process my application through Chase Auto. I then review my credit report and see that Chase Auto has ran inquiries on my account for the initial loan approval and then again on XX/XX/year>. I did not authorize this second inquiry. This whole process has been a nightmare, despite Chase Auto 's claim that I was approved for a loan that would easily be accepted by any dealer within their network. Now I have had multiple credit inquiries on my account just to get a simple car loan. I ended up using other financing to get my car because my loan application with Chase was so problematic.
Consumer complaint received 2019-03-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (TX)

On XX/XX/2019 a case was sumitted to BANCO POPULAR of Puerto Rico to evaluate.. 
On XX/XX/2019 It is confirm with the Bank that they received all the documents. 

On XX/XX/2019 The case is completed and in the process of evaluation. 

XX/XX/2019 My Realtor spoke to Banco Popular and the person in charge of the case was not present that day but her secretary said my Realtor that XXXX XXXX XXXX will return the call but she never did it.. 

XX/XX/2019 the property appraisal came, 52 days have passed and BANCO POPULAR do not approve the case ...
Consumer complaint received 2023-05-31
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. (AZ)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-05-31
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. (AR)

n accordance with the Fair Credit Reporting act XXXX has violated my rights. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : 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 a account without my written instructions
Consumer complaint received 2024-05-15
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. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

We bought airline tickets with a Marcus by Goldman Sachs credit card in XX/XX/year> for a flight on XXXX XXXX, on XX/XX/year>. Ticket # is XXXX. We became ill and called XXXX to inform them we can not travel. The XXXX ticket agent, XXXX, said she would give us a refund. Interesting, because our tickets were not refundable only exchangeable. But, because she was the XXXX Representative, we agreed to the refund. When we got our bank CC statement, the refund was for {$110.00}, not {$3500.00}. So, we called XXXX XXXX to exchange tickets for a flight but the XXXX, XXXX, said they could not exchange our tickets because the computer would not allow him to change it due to a message showing we " got a refund ''. We have been disputing transaction with Goldman Sachs for a return of our monies with XXXX for almost XXXX  years. Sachs representatives have informed us they fully understand our frustration. It's on recorded calls.Our monies should have been credited to us because we did not receive anything for our payment. However, our bank has sides with XXXX despite the clear fraud involved by XXXX. We asked for future flights but XXXX refused to provide us with a new flight nor our monies back. The fraudulent part is that the Airline claimed we received a refund but they refused to state the amount of refund in our dispute documentation with the Banks, Goldman Sachs. We have that documentation in our email communication with XXXX XXXX and we provided said documentation to Goldman Sachs. Additionally, originally, we were informed we could only submit XXXX disputes but we were able, with the help of XXXX different supervisors, submit XXXX disputes, which GS, finally stopped accepting this month. These same supervisors stated they would be able to provide a lower amount of payment if we did not receive a favorable outcome.
Consumer complaint received 2024-05-15
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. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (FL)

I was first notified of a lawsuit by the debt collector ( law firm ) on XX/XX/year> when I received service. I filled motions in the court for legal purposes to dismiss. On XX/XX/year> I sent notice to the debt collector notifying them of my rights under the CFPB. The certified letter was received by the debt collector on XX/XX/year>. I requested verification of debt, original written agreement between myself and the credit card holder, proof that they are a debt collector have been assigned the debt. The debt collector has failed to respond back to my request. I am in the early process of possibly suing the debt collector for this violation, as it has caused more injury to my finances.
Consumer complaint received 2024-05-15
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. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-15
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. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2024-08-05
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've made multiple efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These unauthorized entries, resulting from identity theft, have severely impacted my life, causing considerable distress.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MA)

Dear LVNV FUNDING LLC / Sir/Madam, I am writing to formally dispute two accounts listed on my credit report that I am not aware of. I request the immediate removal of these alleged debts from my credit report, as I believe them to be fraudulent. I have no knowledge of these accounts and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning these accounts violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter expeditiously, I require the following documentation : Evidence of Authorization : Please provide proof of your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to handle this matter.

Legal Basis for Collection : I request the legal basis for the collection of these debts. 
State Authorization : Provide proof of your authorization to operate in my state. 
Proof of Debt : Submit evidence of the alleged debt, including any contracts or agreements bearing my signature.

Complete Account History : I request a full account history, including all collection-related charges.

I am also formally filing a complaint, citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communication and collection activities related to these accounts. Furthermore, under 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

I request the immediate deletion of these disputed accounts from all credit reporting agencies due to their unrecognized status and the absence of any contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may result in further legal action to protect my rights and interests. According to the provisions under the FCRA and FDCPA, I demand that these items be deleted from all three major credit bureaus as soon as possible. 

In a good faith effort to resolve this matter amicably, I insist on proof of these debts, specifically the alleged contracts or other instruments bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of these past debts from my credit report. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (IL)

I received an email in XXXX saying my 1099Int was available. To login to my account to retrieve it. ALLY Bank closed my checking and savings account several months ago and I have been unable to log in. I called to talk to them when I received this email and was transferred to the Fraud department. They told me they couldn't provide it for Me, that it would be mailed. I have not received it as of today, XX/XX/year>. 
I never received final statements either. I was set up for statements and received notice it was ready, but of course, my access was blocked. I couldn't get the documents and they never sent them. Consumers are due periodic statements. My guess is anyone whose account was flagged as fraud is not receiving them. 
I have never tried to defraud the bank and when I get my 1099INT notice, I can finally be rid of this bank!
Consumer complaint received 2024-05-15
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. (TN)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am taking action to dispute and investigate these accounts as they are being wrongfully reported on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} for each incorrect entry. I understand that FCRA 605B mandates reporting any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-05-15
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. (VA)

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature from the creditors listed below in which they have failed to respond within 45 days. I also sent letters to the credit Beaurus asking for a method of verification in which they refused to respond as well with 45 days! According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. 

Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. 

Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account : XXXX XXXX Account Number : XXXX Account : XXXX  XXXX Account Number : XXXX They also violated XXXX XXXX XXXX XXXX XXXX XXXX ) Can you look into this?
Consumer complaint received 2024-05-15
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. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-05-15
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. (GA)

according to the IRS an unpaid charge is income and according to the FCRA income can not be reported on a credit report, I received a 1099-c ( cancellation of debt ) for the following charged off accounts listed below after checking my mist current report the updated information stated this account was still being reported. this account can not be reported as a charge off on my credit report please cease the reporting and delete this account XXXX XXXX ACCOUNT NUMBER : XXXX Despite the cancellation of debt, I noticed that this account is still being reported as a charge-off on my most recent credit report. This is in direct violation of the FCRA, which mandates that income can not be reported on a credit report. 

Therefore, I kindly request that you cease the reporting of this account as a charge-off and promptly delete it from my credit report. Failure to do so may result in legal action.
Consumer complaint received 2023-09-01
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX