davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Dear National Credit XXXX XXXX XXXX writing to dispute the unauthorized sharing of my personal financial information in violation of the Gramm-Leach-Bliley Act. I recently discovered that you have been sharing my financial information with third parties without my consent, which is a direct violation of the privacy protections established by the Gramm-Leach-Bliley Act. 

As a consumer, I have the right to control how my personal financial information is shared and used by financial institutions. By sharing my information without my consent, you have not only violated federal law but also breached my trust as a Dear National Credit Adjustment I am writing to dispute the unauthorized sharing of my personal financial information in violation of the Gramm-Leach-Bliley Act. I recently discovered that you have been sharing my financial information with third parties without my consent, which is a direct violation of the privacy protections established by the Gramm-Leach-Bliley Act. 

As a consumer, I have the right to control how my personal financial information is shared and used by financial institutions. By sharing my information without my consent, you have not only violated federal law but also breached my trust as a customer. 

I demand that you immediately cease sharing my personal financial information with third parties and provide me with a full accounting of how my information has been shared up to this point. I also request that you take steps to prevent any further violations of the Gramm-Leach-Bliley Act in the future. 

Failure to comply with these demands will result in further legal action being taken against your company. I expect a prompt response to this dispute and a resolution to this matter as soon as possible. 

Sincerely, XXXX XXXX Reference Account XXXX r : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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)

The reporting of the account from XXXX XXXX XXXX # XXXX AT {$1800.00} FOR TRANS UNION AND {$1800.00} FOR XXXX AND XXXX, LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. 
Which also allowed the credit agencies TRANS UNION, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Consumer complaint received 2024-05-17
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-07-30
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: JPMORGAN CHASE & CO. (AL)

JP Morgan Chase allowed a person to open a credit card in my name to a different address than my own. I have lived at the same address since 2006. I have never lived at the address the merchandise they bought under my name without my permission was delivered. JP Morgan Chase continued to send all information asked of them to the fraudulent address even though I provided and proved my identity to them. They used information I gave them to validate my identity against me by adding to the missing information on this fraudulent account that they did not currently possess. Now I have an address I have never even seen or lived at or visited or know anyone who has on my credit report as if I lived there. It is extremely frustrating to have JP Morgan have so much power and to tell me I did live somewhere I have absolutely never lived. To make this even worse, my husband paid the money back to them so they would leave me alone and they have added to my credit report that this was written off. It should have been but it was not and is negatively affecting my score!
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (PA)

Subject : Incorrect Dispute Comment on Credit Reports Causing Credit Score Harm Dear CFPB, I am filing a complaint regarding my credit card servicer, Indigo Platinum Mastercard, for incorrectly placing a dispute comment on my credit reports, which has resulted in a XXXX drop in my credit score. Indigo Platinum Mastercard stated that I filed a dispute under the Fair Credit Reporting Act ( FCRA ), and that the dispute has been resolved. However, I never filed a dispute regarding the information on my credit reports. 

What I did file was a complaint with the CFPB about Indigo Platinum Mastercards online payment system, which does not credit payments on the same day they are made. This has caused certain payments to appear 30 or more days late, which is not the same as disputing an item under the FCRA. 

Indigo Platinum Mastercards decision to treat my CFPB complaint as an FCRA dispute is a significant error and distinction. Under 15 U.S.C. 1681s-2 ( b ), creditors must ensure the accuracy of information furnished to credit reporting agencies. Filing a CFPB complaint about their faulty payment system does not constitute a dispute regarding credit report inaccuracies. By falsely categorizing my complaint as a dispute and placing that comment on my credit report, Indigo Platinum Mastercard has harmed my credit score unnecessarily and inappropriately.

This misclassification of my complaint has caused me financial harm through the unjustified drop in my credit score. Furthermore, Indigo Platinum Mastercards actions violate their responsibility under the Fair Credit Reporting Act ( FCRA ) to furnish accurate information to the credit reporting agencies.
I request that Indigo Platinum Mastercard immediately : 1. Remove all comments related to the alleged dispute from my credit reports with all credit reporting agencies.

2. Take corrective measures to ensure their processes accurately distinguish between complaints filed with the CFPB and disputes filed under the FCRA. 

Their failure to remove these incorrect comments continues to cause harm to my creditworthiness and was done without any basis under the FCRA. I ask the CFPB to investigate this matter thoroughly and ensure that Indigo Platinum Mastercard complies with their legal obligations. 

Thank you for your attention to this matter.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I have had credit cards and excellent credit ALL my adult life. Currently in my XXXXXXXX XXXX Had NEVER paid interest or late charges. Then in XX/XX/year> received notice : email and texts from Comenity Bank that my XXXX account was in arrears. I inquired @ customer service, was told mailed payment not received. Drove to XXXX and paid in person. Concluded maybe payment lost in mail which has happened to me years ago with a utility payment. Then 8 months later the same thing happens with my Commenity AAA Visa. When I happened to mention this to my banker, I was told that she just heard the same story from another customer about her Comenity Victoria 's Secret card. I'm no longer blaming the XXXX. Something unprofessional, possibly illegal is going on @ Comenity, be it staffing problems or just trying to XXXX up profits. My " lost '' payment to Comenity from XXXX just miraculously just showed up in XXXX. I have cancelled my XXXX card with them and will be canceling my AAA Visa. But they need investigated. How many other people have they done this to?
Consumer complaint received 2024-05-17
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. (IN)

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. 

Account 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  and 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 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 2024-01-15
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-17
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. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed item. I request that you investigate these accounts promptly and make the necessary corrections. 
Below are the accounts in question : XXXX  XXXX XXXX and XXXX  XXXX XXXX.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I am writing this to inform CFPB of what I see as predatory and alarming that a government program setup to assist homebuyers to avoid mortgage crisis are denied access into programs that could help the both Homebuyer and Mortgage Service. I find the reasoning for denial of application with Nationstar Mortgage troubling and this is the reason that I am asking for help. My qualifications meet the eligibility requirements and are to close for the door of opportunity to close, which I should have been approved. I have had great credit since I was XXXX years old and this situation, which is due to hardship and not poor financial planning on my part, should not be held against me. I was just Employee whom showed up to work one day and was informed that they would no longer need my services. I am in disbelief that something like this could ruin my credit and am asking for your consideration in reviewing this matter. I have documented the events that happened throughout the application process and am willing and able to share them with you in support of my case.
Consumer complaint received 2024-05-17
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. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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 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 2024-05-17
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 No Disclosure Without Consent Rule No agency shall disclose any records by any means of communication to any person, or another agency, except under a written request by or the record pertains a subject to 12 exception 5usc Section 552 a b. Under the Privacy Act Disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual subject to twelve exemptions Transunion I have sent in several disputes to your agencies and CEO to fix the error that you have been reporting on my credit file there should be no more time given to fix this! You violate copyright infringement if you do not stop reporting on my consumer report and correct and remove all derogatory information by deleting all information permanently I will take you to federal court and sue you for XXXX.
Consumer complaint received 2024-05-17
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Pleaseremove these files. 
INACCURATE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-17
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. (CA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$210.00} XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2024-07-26
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

I am receiving XXXX XXXX from the State of California and payments are made to Money Network, who is owned by Fiserv. My first XXXX payment posted to my Money Network account on XX/XX/XXXX and I transferred {$2500.00} to my personal checking, leaving {$3100.00} in the account. On XX/XX/XXXX the remaining balance of {$3100.00} was transferred from my Money Network account to a XXXX XXXX  account that is not mine. I did not know about this until XX/XX/XXXX though because Money Network never sent me any alerts regarding an unrecognized device accessing my account, the change in my personal bank information or the transfer of funds. Money Network lacks all critical security. I filed a report with Money Network, however they weren't able to answer any of my questions or provide any information regarding this incident. I was told it would take up to 90 days to complete the investigation and at that time, I might be refunded a percentage or the full amount. Several other people are also reporting fraud and theft from Money Network accounts and Money Network is not refunding people their stolen funds. Money Network is not taking responsibility for this theft. I called Fiserv and they also are not taking responsibility even though they own Money Network. Because someone knew I was getting state benefits, knew a deposit had been made, and knew my username and password, I am requesting a full investigation be launched into Money Network and the company who owns them, Fiserv, for internal fraud and theft of state benefit payments. I am attaching screenshots of the stolen dollar amount and that includes the date and time. I'm also including screenshots of the routing and account number my money was transferred to at XXXX XXXX. Lastly, I'm including a copy of the FBI report I filed. I have also reported this incident to FDIC, FTC, OCC, Federal Reserve, California EDD, my local police and my state senator.