davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX 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 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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

Our XXXX XXXX XXXX wrote a check to a vendor ( XXXX XXXX ) in the amount of {$5900.00} on XX/XX/XXXX. The check was intercepted somehow and altered to the name of XXXX XXXX on the payee line and his name and address ( XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ) were added to the memo line where XXXX XXXX had originally been. The check was completely altered. His name was on the back where he cashed or deposited it. I contacted our bank and filed an affidavit for fraud since the check was intercepted and altered. I googled the name and he is a known criminal in Florida. I'm not sure where the check was intercepted and how he got it. I mailed it on XX/XX/XXXX in Texas and it was cashed or deposited by him and cleared our bank on XX/XX/XXXX. I was unaware of this until XX/XX/XXXX when someone with XXXX XXXX inquired about our payment. On this date, XX/XX/XXXX, we went to our bank and began the process. They investigated and said the check was cashed or deposited at a Chase bank but they couldn't tell me where, what branch, or if it was cashed or deposited. They also said that Chase will not refund the fraudulent money. Our bank is XXXX XXXX in XXXX, TX. He cashed it at a Chase bank somewhere. On the back is his printed name, but no account number. I'm wondering how Chase and can just not refund money for a fraudulent check from a known criminal. Also, how was it deposited or cashed if he didn't write his account number on the back under his signature and it was a large check and Chase is not our bank? We are just wanting our refund of {$5900.00} for the fraudulent money.
Consumer complaint received 2024-04-27
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)

Attention Fraud Department Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor.

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form 1099-C, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form 1099-C deprives me of essential information needed for accurate tax reporting. 
I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, XXXX, and TransUnion. 
XXXX. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-20
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are 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 account and correct it immediately in my report : XXXX XXXX
Consumer complaint received 2024-04-27
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)

XXXX, Trans Union XXXX, XXXX XXXX XXXX, XXXX XXXX, Upgrade, Sunbit and CapitalOne are Illegally using my personal information and violating my rights to privacy. My identity has been stolen, and the credit bureaus are strangers to me and do not have firsthand knowledge about me and continually attached accounts that are not mine or erroneous information pertaining to the account such as information on open, ended credit accounts and reporting incorrect information such as the name that appears on the credit report is not my name I have continually asked each bureau to correct my name and remove any address from my report that does not reflect the address on my drivers license. This is the only address that I have where I can receive mail. I have asked them to remove the accounts that are erroneous, which have been paid in full but is showing as charged off or late this is not correct. I dont have any charged off accounts nor do I have any late accounts or unpaid balances I have asked for this information to be corrected yet. They say that it has been validated, I asked for the procedure. They did not provide it and they did not correct what was incorrect. The information these companies are reporting is causing harm to my life because I can not get housing, employment or credit, which is mine by Divine right. The truth and lending act fair debt collection practices act and the fair credit reporting act are all being violated against me by these companies. The personal information is incorrect thus reporting information belonging to someone else. The information should be deleted immediately.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MN)

XX/XX/13 account closed, stated would receive check within 7-10 days funds are frozen and unable to pay my bills. 
Was unable to schedule a prior day credit card payment to a Chase card and was assessed late fees and charged interest ( which they claimed would be reversed ) Approx {$160000.00} frozen in Chase Sapphire checking account
Consumer complaint received 2024-04-27
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. (TN)

Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor.

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form 1099-C, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form 1099-C deprives me of essential information needed for accurate tax reporting.

I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, XXXX, and TransUnion. 
2. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2024-04-27
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. (DC)

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 Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX LLC : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (UT)

Nelnet is a joke. They won't let me log into my account claiming they don't have my info on file. Social security, phone number etc. They do. I can not log in one week then the next I can. Same credentials everytime. When I access the account all my info is on file. The app does not work. The website is a hot mess and can not pay my bills on time because of this. Customer service is NON existent. They should be paying my bill at this point!
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/23, I started disputing the account being reported by XXXX XXXX. It always came back as " verified ''. I then went to the company directly and they sent me a response that also stated the account was " verified '' However, I do not believe neither the company or the credit bureaus did an accurate investigation of the account, because the account balance is being reported inaccurately by TransUnion, XXXX, and XXXX. I already submitted a complaint against XXXX but now I want to submit a complaint against TransUnion and XXXX. How can one bureau report a balance of {$11000.00} and the others a balance of {$11000.00}? I have yet to receive any type of response other than verified.
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION ()

Dear Sir/Madam, I hope this email finds you well. We are a small trading company based in XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX. I am writing to bring to your kind attention a critical issue regarding a recent payment transaction involving Navy Federal Credit Union. 

On XXXX XX/XX/year>, we initiated a XXXX  XXXX payment of XXXX {$89000.00} in favor of XXXX XXXX XXXX, account number XXXX, with Navy Federal Credit Union as the beneficiary bank XXXX XXXX XXXX : XXXX ). However, to our dismay, Navy Federal erroneously credited the account of XXXX XXXX XXXX. XXXX, a fraudulent company that impersonates an associate of XXXX XXXX XXXX. ( XXXX XXXX ). 

The following points highlight the severity of this situation : XXXX Credit in scammer XXXX : Despite details clearly mentioned in XXXX XXXX instructions, Navy Federal failed to follow the instructions. Navy Federal should have hold the funds & checked with us if payment should be credited to XXXX XXXX XXXXXXXX XXXX since XXXX  XXXX instructions mentioned XXXX XXXX XXXX. but the account details belong to XXXX XXXX XXXX XXXX If we would have known that its an XXXX company, than we would never have proceeded with the payment in first place. 

XXXX. Fraudulent Impersonation : This scammer XXXX XXXX XXXX. deliberately misled us by providing documentation under the name of XXXX. They deliberately wrote only XXXX XXXX XXXX. in bank details & Navy Federal blunder helped this scammer in scamming us. Their fraudulent actions have caused significant financial distress for our company. 

XXXX. Capital Loss : As a small business, we invested our entire capital in this transaction. The delay in resolving this matter has severely impacted our operations and financial stability. 

4. Mental Harassment : The prolonged wait for the return of funds from Navy Federal has caused immense stress and mental hardship for our team.
Consumer complaint received 2024-04-27
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)

Dear CFPB Representative. I recently reviewed my Transunion credit file, and noticed a few things are incomplete and/or not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and TO PROVIDE HOW THEY VERIFIED THE INFORMATION. 
They sent my investigation back and said everything is complete and accurate, but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2023-12-25
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: American Liberty Mortgage, Inc. (FL)

In XXXX  American Liberty Mortgage messed up my opportunity to buy a home. The owner XXXX XXXX provided information to an employee, XXXX, and then went on vacation. She gave the wrong information about how to do an approval for a XXXX  loan and stated they only needed one year 's tax return because I had a business for 10 years. They pre-approved me for the wrong amount and pulled my credit about 5 times. I got a home under contract and paid for the home inspection. Then they came back and told me they had to take the average of 2 years tax returns instead and the new pre-approval amount 'killed the deal ' so I could not buy the house and had to find a way out of the contract. Since they had pulled my credit score so many times it made my score go down a lot and I could not buy a house for about 2 years.
Consumer complaint received 2024-06-20
Product: Credit 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: DISCOVER BANK (CA)

I am writing to file a formal complaint regarding the mishandling my case by Discover card services in response to unauthorized charges and a data breach affecting my account. On the unfortunate day of a robbery, my XXXX, along with multiple credit cards and bank debit cards, including my Discover card, were stolen. Additionally, it was later revealed that my financial accounts had been compromised due to a data breach dating back to XXXX up to the current period. 

Despite promptly reporting the incident to the police and providing Discover with the necessary police report numbers ( robbery report number XXXX and data breach report number XXXX ), the resolution process has been marred by delays and inefficiencies on Discover 's part. 

Discover assured me that they were reaching out to the police department to obtain the official police report ; however, owing to the exigency of the situation, I had to undertake immediate preventive measures, such as changing both my phone number and email address, to safeguard my financial accounts from potential unauthorized access via the stolen XXXX & data breach. 

Subsequently, I filed a fraud claim with Discover for unauthorized charges spanning the period of XXXX. Although Discover did reissue a new card following the initial claim, this replacement card was also compromised due to the prevailing data breach. 

Regrettably, it wasn't until XXXX that Discover initiated a proper investigation into my fraud claim. This delay was primarily attributed to Discover Card customer service erroneous classification of the claim as a billing dispute, causing substantial inconvenience and financial repercussions for me. Notably, Discover subsequently closed my card account due to an outstanding balance resulting from the fraudulent charges linked to the data breach and the stolen phone. 

Of grave concern is Discover 's recent decision to deny compensation for the fraud charges while reinstating charges that I had already settled during the investigation period. This unjust treatment has not only imposed significant financial strain but has also adversely affected my credit score, exacerbating the hardships caused by the entire ordeal. 

In light of these circumstances, I am seeking immediate redress, fair compensation for the losses incurred due to the fraudulent activities, and restoration of my credit score, all stemming from Discover 's mishandling of my case. I trust that the Consumer Financial Protection Bureau will investigate this matter diligently and facilitate a just resolution in accordance with consumer protection regulations. 

Thank you for your prompt attention to this matter.