davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a Self-attestation letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, of which only 2 are required per the law including my Self-attestation letter. I have provided all needed documentation as well as including my Self-attestation letter signed by a non-governmental organization or XXXX XXXX task force that is authorized by a governmental entity to make such a determination ; consumer- advocacy group or a court representative according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just checked and reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. ()

on XX/XX/XXXX somebody call chase to submit a claim and request to close my card so today i call because i try to use my debit card ending XXXX and were declined so when i call they told me about the situation so i request to cancel that claim and see if they can reopen my card but they didnt after that they say that they cant verify me and i need to step on a branch right now im in XXXX  i had a emergensy my son had a XXXX XXXX  and i need them to reopen my card to pay the hospital i dont get why they say they can verify me if in my accounts i had a verval password security questions my phone and email updated
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-14
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. (GA)

I have recently reviewed my credit report and have identified inaccurate item that is erroneously reported : XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, I request that this item be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this item with the respective creditors who have reported it. Any information that can not be verified by the creditor should be expunged from my report. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the receipt of this letter.
Consumer complaint received 2024-05-14
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. (IL)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX Account Number XXXX XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-11-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( s ).
Consumer complaint received 2024-07-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC. (FL)

I NEVER APPLIED FOR A VEHICLE LOAN FROM EXETER, This was done WITHOUT MY CONSENT! I purchased a new vehicle in XX/XX/2024 and the two financial institutes are well know the dealer uses, presently my car is being financed by the dealers finance agency. I called Exeter today, Saturday XX/XX/2024 at approximately XXXX XXXX and requested to speak to a supervisor regarding a email I recieved claiming I was denied for credit. Now again, I have NEVER applied, signed any application for EXETER to finance my car. XXXX XXXX claims the dealer sends that information out ( the dealer only uses two finance companies, one is their own and the other one is NOT EXETER. ) I asked to let me speak to someone in the legal department ( refused ). I requested any and all copies of any documentation that they can proof I authorized them to run my credit or that I had asked them for a loan ( that as well was refused. ) Now, I have a serious problem with entities that take personal information including social security numbers, runs credit on people without their CONSENT. I demanded her to provide me with her claims I authorized them and she refused. I need for this government agency to have these XXXX  to send me all documentation and to contact ALL three credit bureaus a letter stating that they were not authorized to run a hard credit on me therefore fix my credit score if indeed it lowered because of their unauthorized and illegal application without my written consent and signature. I am sick and tired of the XXXX  getting away with this behavior. I await your response with all the documentation they have on me.
Consumer complaint received 2024-05-14
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. (GA)

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 account listed without my expressed written consent.
Consumer complaint received 2024-05-14
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)

This is my complaint to TRANSUNION for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC reports with report number XXXX and XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
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. (FL)

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 account listed without my expressed written consent.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (FL)

In XXXX I received convenience checks from Chase to get 0 % until XX/XX/2020 so I needed to pay off a bill with the green sky so I wanted to increase my credit limit from $ XXXX {$10000.00} .. I called and they approved my credit increase it was excepted through my statements and my digital app! ..after I used the check to XXXX XXXX XXXX  XXXX A month later chase dropped my Credit line back down to {$7700.00} saying it wasnt approved properly. after I paid the amount now I am over my credit limit and my credit score took 100 point drop.. my credit score was good like a XXXX and now is like XXXX they told me that I would have to reapply which doesnt make any sense because my credit score is already ruined also they did a hard inquiry to approve the increase which means if I reapply that would be too hard inquiries which is also damaging to your credit report XXXX I tried calling and nobody could resolve my issue saying that I would just have to reapply I dont understand why I should be penalized for something somebody did or didnt do from Chase ..
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
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 consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Information has been sent certified mail. 
I, XXXX XXXX assert my rights under the FDCPA and FCRA. My privacy, protected by 15 USC 1681 ( a ) ( 4 ), has been violated without my authorization as required by 15 U.S.C 1681 ( 2 ). My credit card, as defined in 15 U.S.C 1602, was used without consent. Under 15 U.S.C 1681s.your organization must act. The credit bureaus have failed to maintain accurate data. Due to erroneous information and data breach, I filed an identity theft report as per 15 U.S.C 1681 c-2 ( e ), these inaccuracies must be removed within 4 days. Unauthorized use of my credit card, violating 15 U.S.C 1602, provides me no benefit under 15 U.S.C 1681s.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NY)

Apple Card by Goldman Sachs closed my account XX/XX/2023 even though I was current and had stated that I was dealing with fraud with my XXXX XXXX account which meant I couldn't pay off full balance. They still closed it without any notification. Now I have to immediately pay back the outstanding balance with no recourse and number and support is non existent
Consumer complaint received 2024-05-14
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. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-14
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)

REINVESTIGATION I desagree with the account listed below which still appears on my credit report even after your investigation I would like this item immediately reinvestigated the inaccuracy are highly injurious to my credit score other credit agencies they deleted this account from my credit report Account name XXXX XXXX XXXX XXXX Account number # XXXXXXXX  Account name XXXX XXXX XXXX Account number # XXXX In accordance with the fair credit reporting Act. Public law 91-506, Title VI, section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please me an updated copy of my credit report after your information
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA 605B, it is required to remove any incorrect accounts from my credit report. Please review the documents, as some accounts are inaccurately reported. I should receive {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2024-05-14
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. (TX)

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-01-22
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Real Estate Equity Exchange, Inc. d/b/a Unison (CA)

I was approached by Unison XXXX XXXX in XXXX  for a co-investment loan. This was during the XXXX XXXX pandemic, and due to some financial hardships I was experiencing, and the duress of battling a serious illness, the XXXX XXXX  offered, seemed a good solution. 
I was told I didn't have to repay the loan, but would share any proceeds in the event of sale of my home. 
The company didn't disclose at the time, that this was not really a co-investment, but in fact a reverse mortgage. 
I was not told in simple clear terms that their terms for refinancing are very strict, rigid and prohibitive. 
In fact, their terms are nothing short of predatory. 
Their agreement does not even allow a homeowner to refinance, or pre-pay their loan. 

Unison has imposed very strict terms and maximum on the amount on a refinance loan ... which leaves no leeway, or room to access the equity of a homeowner. 

I have called and emailed them asking if I can pre-pay the loan, which would allow me to refinance my home, access the equity and pay form some medical bills. ' Their replay is repeating their agreement ... per our agreement. 
My lender reached out to them, asking to modify the maximum loan amount ( or as they refer to it XXXX ) and they have refused. 

Unison 's co-investment is misleading and predatory. 
it is not a equity sharing loan or co-investment... it is a reverse mortgage. 
It robs homeowners of their hard-earned equity. 

They are incredibly difficult to deal with ... .almost robotic in their reply. 
They repeat the company policy. 

I hope you look into their practices and warn other homeowners not to take their bait. 
Shady business.
Consumer complaint received 2024-05-14
Product: Credit reporting 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. (CA)

This is my 2nd attempt to rectify inaccuracies on my credit file. Someone has been using my social security number for their personal gain which is making my life stressful. I'm not allowed to extend or receive credit at this time which is my natural birthright. Can some take a serious look into this? I have reached out to all debt collectors and companies who are listing inquires on my credit file. I have sent back correspondences asked of me via USPS or fax.

My rights are being violated. Please see attached docs.

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-08-27
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. (OH)

I'VE BEEN A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX HAS STOLEN AND USED MY INFORMATION ON MULTIPLE ATTEMPTS!! THIS FRAUDULENT ACCOUNT HAS BEEN SENT TO COLLECTIONS ON XX/XX/year>2024, AND IS NOT MY ACCOUNT!!! SHE LIVES IN FLORIDA, I RESIDE IN XXXX, OHIO! PLEASE PUT THIS ACCOUNT IN HER NAME! SHE IS THE ONE WHO RESIDES OR RESIDED IN XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX!