davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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)

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 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (MD)

XXXX began sending letters of a debt owed to our home address. It was to a company called both " XXXX XXXX XXXX  XXXX '' and XXXX XXXX XXXX XXXX ''. I have contacted XXXX months ago ( we havent had a XXXX account in about 10 years ) and informed them that they do not have the correct address for this debt and they agreed that it was being sent to wrong address. I asked what should we do and was I formed to just keep sending the letters back and they would note in their system but they kept sending the bills to this address anyway and I kept sending the mail back to them. Now addressed to this same companies at our home address we are getting notices for a collection agency from Diversified Adjustment Service Inc.for {$3700.00}. We have contacted them and they agreed to resolve but this is doubtful. I believe this is some sort of scam someone used our address for.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the blocking and deletion of specific accounts from my credit report as I am a victim of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked to prevent misuse of my personal information. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

On XX/XX/XXXX I received a letter from XXXX XXXX through this complaint process stating that they would provide me with a single point of contact since they have made many mistakes throughout my mortgage process including but not limited to refusing to honor the removal of my PMI, providing me incorrect and incomplete information about the removal of my PMI, and failing to provide me with a full letter capturing the removal of my PMI. 

XXXX. I was given a single point of contact, XXXX XXXX, at phone number XXXX ext XXXX to speak with directly regarding my mortgage going forward. On XX/XX/XXXX at approximately XXXX I called that number, and there was no occasion to enter an extension. I then asked the person who answered how I could speak to XXXX XXXX. I was given the same number I had just called, and the same extension. I told him that this was how I had reached the person I was currently talking to. I asked how I could reach XXXX. The individual I was speaking to said I could call XXXX ext XXXX. I called that number the same day and approximately the same time, and it was the exact same answering service as the XXXX number, similarly without an opportunity to enter an extension for XXXX XXXX. This time, the person who picked up either immediately hung up or disconnected, so I could not ask how/when to enter an extension or how to reah XXXX without this answering service as promised to me in XXXX XXXX ' outcome letter dated XX/XX/XXXX. 

XXXX. On XX/XX/XXXX I was given a letter that stated my PMI was removed and that the letter also included " a new XXXX Analysis which reflects your new payment amount and the next due date. '' This was not included. I asked for a copy of this letter in writing on XX/XX/XXXX, again in my written complaint to CFPB on XX/XX/XXXX, and again in a phone call to XXXX XXXX on XX/XX/XXXX in my call with XXXX at XXXX. Each time I was not provided with a copy of that letter. UndeXXXX XXXX XXXX I should have received a decision letter and my new payment amount in my XX/XX/XXXX letter. I still have yet to receive it.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I suddenly moved during the pandemic and I alerted the Company. My address was not updated and I do not have online access and never set it up. The law requires that I must receive my bill in time to pay it which I did not. The company refused to remove late fees interest and a XXXX late from my report stating that I had online access when this is not true. If this isn't resolved I will contact the ombudsman of the CFPB to intervene. I have never been late and my account had a XXXX balance.
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

On or around XXXX concerning a mortgage with Wells Fargo, I made a payment in the bank and my teller was Virginia, but they said they did not receive it. Wells Fargo made my life a living XXXX for over a year while I was trying to get them to understand. For some reason, they credited my checking account and did not put forth the payment against the mortgage.
Consumer complaint received 2024-10-31
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. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/2024, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (MI)

R car has a XXXX balance of late fees that we aquired durin covid and we paid for gap and no one told us that the loan was done so we lost all the gap money we were owed. We have asked for them to waive that XXXX and give us the title to the car and they wont they said we have to pay they was gon na talk to someone higher up but they just keep playing games. Durin covid we struggled and when our loan was paid all we owed was late fees which they said they waived they lied. I want my title and the gap money we r owed
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (MD)

Commenity bank continues to run credit inquiries for retail credit cards. I have contacted them multiple times and told them never to even run my credit because I will never have any of their cards. No matter how many times I've told them any attempt for one of their cards is fraud, they run it anyways. They ran it again today XX/XX/XXXX and attempted to on XX/XX/XXXX. I want it to stop. Also I do not want any cards issued in my name especially on the inquiry from today!
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!!
Consumer complaint received 2024-10-31
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. (FL)

Unauthorized inquiries remain on my consumer report despite documented identity theft claims. These fraudulent entries have caused direct financial harm, including loan denials. I have filed reports with the FTC ( documentation attached ) confirming my identity theft victim status.
Consumer complaint received 2024-10-31
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. (DE)

I am writing to request the immediate blocking and deletion of specific accounts and inquiries from my credit report. I am a victim of a data breach, which has compromised my personal information and exposed it to potential identity theft. As authorized by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the removal of the following entries from my credit file : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Debt Validation and Dispute Letter for Fraudulent Address on Credit Report To Whom It May Concern, I am writing to formally dispute a fraudulent address that has appeared on my credit report. The address in question is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Name : XXXX XXXX This address is fraudulent, and I am not associated with this location in any capacity. I request its immediate removal from my credit file, along with any accounts or entries linked to it, as they are the result of identity theft. To support my claim, I am providing documentation of my efforts to address this identity theft. Enclosed, please find the following identity theft affidavits and report : IRS Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) FTC Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) XXXX Police Report ( Report Date : XX/XX/XXXX ) In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights under the following U.S. Codes : 15 U.S. Code 1681-IN Right to dispute inaccurate information with credit reporting agencies 15 U.S. Code 1601 Purpose and function of credit protection laws, which highlight the importance of accurate credit reporting 15 U.S. Code 1681-IN Procedures for accuracy and consumer rights to dispute credit information 15 U.S. Code 1692-C Restrictions on debt collector communications regarding disputed accounts I am requesting that the CFPB enforce the removal of this fraudulent address from my credit report using Metro 2 Compliance Codes for handling identity theft cases : XB Disputed information provided by the consumer XXXX Fraudulent information ; action required for verification DA Permanent deletion of fraudulent information Actions Requested : 1. Verification and Validation : I request XXXX XXXX XXXX validate this debt within 30 days or instruct the credit bureaus to delete this entry. 
2. Immediate Deletion : If validation is not provided, or if the account fails to meet compliance standards, please proceed with immediate deletion from all consumer reporting files. Please investigate this matter and confirm in writing that the address and all related accounts have been permanently deleted from my credit report. 

Thank you for your prompt attention to this matter. Please confirm in writing the steps taken regarding the requested investigation, verification, and potential deletion of this account from my credit file. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-21
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. (TX)

This is my third endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00}
Consumer complaint received 2023-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (GA)

I called to dispute with carter young and the credit bureau. asking to validate the debt. 
They have not sent me anything validating the debt in XX/XX/2022 of {$320.00} and {$75.00}. 
on all XXXX of my credit report, it is showing different dates that the account was opened. and payment history
Consumer complaint received 2024-10-31
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. (MO)

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing unauthorized inquiries on my TransUnion credit report. 

Upon reviewing my credit report, I discovered the below inquiries that I did not authorize or recognize. 

These inquiries are damaging to my credit score and financial well-being. These inquiries are : XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> I request that these inquiries be investigated and removed from my credit report as soon as possible. 

I understand that unauthorized inquiries can be a sign of potential identity theft or fraud. 

I have taken steps to protect my identity, including monitoring my accounts for any suspicious activity. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this is a violation of the fair credit reporting act, willing-full non-compliance. XXXX verified the debt as accurate but did not provide me with the proof that the debt is mine. i requested this information with law 15 USC 1681 ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (GA)

I sent a letter to Equifax disputing negative inaccurate information on my credit report. Unfortunately these credit companies aren't complying with their own policies within a timely manner. I am hereby requesting that the items disputed be removed IMMEDIATLEY.
Consumer complaint received 2024-10-31
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. (SC)

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and XXXX ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, XXXX, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate. 

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.
Consumer complaint received 2022-10-03
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. (AZ)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.