davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXXXXXX XXXXXXXX  Inquiry : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXXXXXX XXXX Inquiry : XXXX, XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry, XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (NY)

As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARS Acquisition, LLC (NM)

I received my credit report the beginning of XXXX and it showed a drop XXXX points. When I looked into this I found out that XXXX XXXX XXXX Who I bought my 2007 XXXX XXXX through, had falsely reported to the credit Bureau that I had missed a payment in XXXX I sent them bank statements and receipts and still they refused to remove or change it. I disputed this twice with credit karma and once with XXXX XXXX directly, I still have had no luck despite providing all the proof even receipts from the car financial that they received payment
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I submitted a dispute about a bankruptcy showing up on my credit report inaccurately. I got a letter back from XXXX  and Transunion on XX/XX/XXXX saying that it was verified as accurate from XXXX. 

I find this hard to believe as the only person who can legally verify this item would be the person or instution with first hand knowledge in this case the bankruptcy court itself. 

I have documentation from the court house saying they do not verify records with any 3rd parties or credit bureaus. ( see attached letter ) Not only that under the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) concerning 3rd parties or anyone pertaining to this particular situation I would have to give written consent and permission for them to report this on my credit file.. I have not consented to anyone posting this subterfuge. Not only is this information inaccurately reporting.. It is ILLEGALLY reporting. 

So I disputed with the credit bureaus again on XX/XX/XXXX exercising my rights under the FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate and verify this item. They have not respond and it has now been over 45 days. 

According to the FCRA in order for Credit Bureaus to report information on my file it MUST be 100 % Accurate and True. 

This inaccurate bankruptcy showing up on my credit report has caused me pain and suffering and has prevented me from obtaining credit to make a living for my family. 

I demand direct proof of the accuracy of this Account according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my credit report according to FCRA, Section 609 a ( 2 ).

Thank you.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance : {$36000.00}. Please update this accounts.
Consumer complaint received 2022-03-30
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. (WI)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX  was paid electrically on time every month, including my XXXX & XX/XX/2021 payments. XXXX then returned these payments about 10 days after receipt. XXXX  says my XX/XX/2021 payment was not received on time so they destroyed my credit. My XXXX  XXXX XXXX XXXX XXXX 2 official payment transmittals which clearly documented my timely payments, yet XXXX still refuses to remove the late payment from my account. After contacting all 3 credit agencies and submitting the payment transmittals to them the 3 credit agencies will not remove the late payment either. I then sent credit agencies a letter from XXXX XXXX in which XXXX  confirms they received my payment on time but XXXX  and the 3 credit agencies all refuse to correct my account 's payment history. I've spent over 50 hours trying to resolve and filed numerous complaints with XXXX  and the 3 credit agencies and they still refuse to acknowledge my payment was timely and have refused to restore my credit. I have uploaded all supporting documentation which unequivocally proves all my payments were on time.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (SD)

I have been having problems with Chase Bank. I opened an account with XXXX XXXX , and a friend of my family transferred {$14000.00} to my account. I transferred {$14000.00} to my Chase account. Chase returned the check to my XXXX checking account. I was told by Chase that my account would be closed systematically on XX/XX/2022, but it wasnt. I have gone into the branch to get it closed on XX/XX/2022 and again after it wasnt closed on XX/XX/2022. They keep it open saying that it will be closed, but they dont know the date. They are keeping it open until XXXX resolves their hold over the money in my account until it can be verified. There is no reason for Chase Bank to keep my account open. They returned the check and that's the end of their involvement.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (NY)

As of XX/XX/2023 Ive notice this fraudulent account XXXX XXXXXXXX XXXX XXXX Amount owed {$4500.00} this is a list below of fraudulent inquiries below 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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. (AZ)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 2023-04-04
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. (TX)

XXXX violated my rights by : ( IAW XXXX XXXX [ Fair Credit Reporting Act ] ) sharing my information without my written consent. Also, XXXX has consistently harassed me by sending numerous notifications via email, supplied multiple reports of the same account to the credit reporting agencies ( which make my credit report look even more unfavorable ). 

I contacted all three of the primary credit reporting agencies about this problem last year, but none responded to me in any positive manner to assist in correcting this issue. I contacted all three of them again in XXXX of this year, and received responses that, again, were not helpful.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Certegy Holdings, LLC (FL)

The agency reported that check XXXX which I made payable to XXXX was not paid the date the agency answered original complaint however enclosed I have document that check pas paid XX/XX/24 the rate check was resubmitted to my bank requested Certegy correct there reporting immediately
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX   XXXX  XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 and 11 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

Debt Collection Agency Caine and weiner are collecting a Debt that I do not owe, states that they are collecting in behalf of XXXX XXXX XXXX. I have disputed this debt several times and sent letters requesting debt validation from the company two times on XX/XX/2019 and XX/XX/2019. That have yet to furnish a signed contract or proof. I have also contacted XXXX XXXX XXXX on XX/XX/2019 requesting information and they dont have in there system. I recently reached out to Caine and Weiner today and spoke with a representative who could not validate the debt either and I was transferred to her supervisor XXXX XXXX who was no help and said he could not do anything or remove this debt. I had to contact XXXX which I already have. Caine and and Weiner do not have a signed contract between myself and them obligating me to pay this and need to remove this from all of my credit reports immediately. Company falsely reported to credit reporting company that account was disputed. Never received communication from this company a contract signed by myself stating that I owed the debt. Recent harrassing calls from a woman who is very rude and threatening. I have disputed with all credit bureaus.
Consumer complaint received 2023-04-04
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)

XXXXXXXX XXXX Account numberXXXX {$1000.00} XXXX XXXX XXXXXXXX {$600.00} XXXX XXXXXXXX {$720.00} Addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX My consumer right has been violated according to 15 us code 1681 .... inaccurate which should be deleted immediately...
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Multiple large transactions ranging from XX/XX/XXXX - XX/XX/XXXX. Total amount of unauthorized transactions : {$12000.00} Filed fraud claim with Chase Bank as soon as I noticed these charges. 

Chase credited my account as they investigated for almost 3 months, then ( according to my bank statement ) on XX/XX/XXXX decided that I am responsible for these charges, and sent me a letter notifying me that these unauthorized transactions were authorized???? 

On XX/XX/XXXX, finally getting the chance to call chase about my claim denial and asking them to reopen my case, I asked the Chase associate what documents I need to provide for my claim, and they said to file a police report and reach out to the merchant. 

After doing so, with no help from the charging merchant who says theyre a third party merchant and can not reveal who the actual merchant is or what products or services were purchased, I filed a police report with my local police and submitted the summary report I received to Chase. 

Eventually Chase sent me a letter saying they believe the charges are valid and will reissue the charges to my account, and if I had any questions, I could call the number listed to the Senior Fraud Analyst. 

After calling the number, the associate said because the company had all my information, it is difficult for me to prove I did not make these charges and that there is basically nothing I can do. 

They did not provide me with what products or services were purchased/provided, nor could they tell me anything about the charging merchant. 

I am now stuck with over {$12000.00} of extra credit card debt that I did not make with no help from my bank!
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE ASKED XXXX TO SHOW ME PROOF THAT I HAVE A BANKRUPTCY OR REMOVE IT FROM MY REPORT. THEY ALSO HAVE INCORRECT AND INACCURATE INFORMATION. FURTHERMORE I DEMAND THEY REMOVE ALL THE INFORMATION IMMEDIATELY OR I WILLL FILE A GRIVANCE WITH THE COURT, INCLUDING DEFAMATION DAMAGES.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I HAVE ASKED EXPERIAN TO SHOW ME PROOF THAT I HAVE A BANKRUPTCY OR REMOVE IT FROM MY REPORT. THEY ALSO HAVE INCORRECT AND INACCURATE INFORMATION. FURTHERMORE I DEMAND THEY REMOVE ALL THE INFORMATION IMMEDIATELY OR I WILLL FILE A GRIVANCE WITH THE COURT, INCLUDING DEFAMATION DAMAGES.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CORELOGIC INC (CA)

This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

.I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase is holding funds from checks written to my business and wont release the funds to me ( although they have cleared through my clients accounts ). They have been holding these checks since XX/XX/2022. The funds have been released from my clients bank accounts. 
Chase requested a DBA for my business which I did and they still wont release tge funds? Ive requested the checks be returned to me so my clients can cancel them and rewrite them to the correct business name and Chase refuses to return them as they have already cashed them? Its been over 3 months and I just dont know what to do? I hope you can help me! 
Thank you for your time! 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

This is a follow up to a complaint with you regarding Amerisave Complaint # XXXX I rebuttled their response to the complaint. But I still can't close with XXXX because Amerisave still has it noted that I have an open account interest per MER 's. I need a cancellation letter per XXXX. Amerisave has been notified multiple times again. Yet haven't responded or done their part to close my interest with them. I need CFPB to help them do their job in a timely matter. I need to close with XXXX this week, otherwise I have to pay XX/XX/XXXX mortgage payment. This problem has lingered since XX/XX/XXXX let me remind everyone!
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

First Dispute with agency was on XX/XX/XXXX Letter Sent to Bankrupty Court XX/XX/XXXX in reference to how they report to Credit Reporting Recieved letter from XX/XX/XXXX Bankruptcy Court Stating they do not provide credit reporting agencies with information but in fact information can be accessed through a system called PACER. 

Recieved an update on bankruptcy dispute with XXXX on XX/XX/XXXX stating that company verfied information with XXXX and was accurate.XXXX didnt send anything back bearing my signature of verified information. 

Second Dispute with agency was on XX/XX/XXXX Recieved update dispute stating company verified information
Consumer complaint received 2019-04-30
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX   XXXX ;
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

To whom it may concern, I filed a XXXX dispute with no issue. The dispute was resloved as I had no credit due. I filed a dispute with Equifax. Equifax responded with a confirmation code and a link. Any link offered byr Equifax to view my dispute results in " This site cant be reached www.ai.equifax.coms server IP address could not be found. 
Try running XXXX XXXX XXXX. 
DNS_PROBE_FINISHED_NXDOMAIN '' So is my dispute resovled? What are the results? No answers are provided no matter which way I approach the Equifax website.