davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (SC)

Good Afternoon. 

I am in the process of closing on a home, and have switched over from NVR Mortgage, to XXXX XXXX XXXX. NVR was unable to complete my loan, and XXXX has me almost to my closing in a timely fashion. We are waiting on one document to finalize, which is a transfer letter of my appraisal from NVR Mortgage. 

NVRM did not pay for the appraisal, I did. They are expressing to my new lender, that they wont give a transfer letter ( the only remaining item ) because its not XXXX compliant per XXXX XXXX XXXX. My new lender has sent them countless documentation that it is in fact compliant. From my understanding, XXXX XXXX XXXX has gotten a transfer letter from NVRM in the past, it just seems like the team I am dealing with is uneducated in their profession, and discriminatory towards their clients by not having their best interest in mind. They also are not allowing my lender to speak with their XXXX Department directly, who is the one making the final decision about this. They keep going in circles. 

When I first spoke with XXXX XXXX about a transfer letter, she had asked me if it needed to be in a certain format, making me believe that she is unfamiliar with this practice, and is not communication correctly what is actually needed from them. The same woman who told me I was unable to get a denial letter because it " not in their practice '', which I did eventually receive from my loan officer NVR has been taking things out of context, and communicating misinformation since XX/XX/2022, and our original closing was XX/XX/XXXX, until last minute they were unable to complete my loan. 

XXXX XXXX XXXX has been nothing but helpful, professional, and very educated in their profession. I would recommend them to anyone looking to buy a home, especially as a first time home buyer. NVRM on the other hand are a headache and then some.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TX)

Keep receiving emails, threatening calls from XXXX, XXXX, XXXX, XXXX and several others Id # XXXX, company name True Accord. This debt collector is in violation of practicing deceptive practices, harassment, in violation of the privacy act, and I dont know how they got my private personal information without my written consent, and they have reported it to the credit bureaus and this is causing me Grevious harm to myself and my family/XXXX. They emailed and my information is private and they keep harassing every day. Please, they are in violation of title 15 usc 1696a, XXXX XXXX XXXX XXXX  I and many other!!! 
They are harming me with their constantly harassment!!!!!!!!!!!!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by 24 hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. 
System Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. 
Incorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. There was no valid reason for the assignment of a late fee or the reporting of this late payment, and I have attached payment receipts that show consistent payments for the past two years. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (MS)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Acct # XXXX To Whom It May Concern : I am sending this letter to you in response to a notice I received via a posting on my credit report dated XX/XX/year>. No notice was received via mail or telephone prior to this posting. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Best Regards, XXXX XXXX XXXX Law Reasons : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy Also law reason that can used about inaccuracies You have violated law 15 U.S.C. Sec. 1681i ( a ) for a CRA to conduct a reasonable reinvestigation to determine whether XXXX opened collections acct # XXXX XX/XX/year> for a past due balance of {$1100.00} as of XX/XX/year> is inaccurate Please remove this account immediately
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION (PA)

XXXX XX/XX/year> still dealing with it. 

M & T gave me a provisional credit, took it back, gave it back to me but froze the monies. 

I was Locked out of account XXXX, no access to online banking, had to visit a branch for them to inform me I was removed from M & T because I was High Risk? Representative stated " maybe you had to much money in a checking account? '' I asked for information on who decided this, what department and representative had No answers, she seemed a bit baffled? I called XXXX number again and again they referred me back to a branch. No one knew anything?
Consumer complaint received 2024-10-15
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. (NY)

Recently, I did an investigation on my credit report and found an Inquiry on there to be inaccurate. Under 15 U.S. Code 1681e ( B ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, any reinvestigation under paragraph ( XXXX ) of information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified by 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 and the information has been modified or deleted from the file of the consumer. Please removed the following item from my credit report, immediately INQUIRY XXXXXXXX XXXX ( XXXX XX/XX/year> XXXX XXXX ( XXXX ) XX/XX/year>
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (OR)

XXXX XXXX in XXXX XXXX Hired me after in person interview, the next day my background check came through on my end of the line before the manager that hired me opened her results, i read mine and showed up the next morning on the job, found her the hiring manager and talked to her about the results disqualified me from the position. 
I could not attend work i applied for until these charges are disputed.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX  XXXX XXXX XXXX XXXX : {$3700.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX XXXX : {$5300.00} XXXX XXXX XXXX : {$1200.00}
Consumer complaint received 2024-10-15
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. (MI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sparrow Financial, Inc. (GA)

I filled XXXX  XXXX XXXX, this creditor has not made any adjustments to my credit report to reflect that account as being included. I have disputed with no help. I have reached out to the company via email and they say they will get back with me but never do. I am stuck with this card reporting a balance on my credit report. My trustee gave me the go ahead to start rebuilding my credit but I can due to this card reporting as open and over the credit limit. This card should be reporting a {$0.00} balance and included in bankruptcy/closed. I have a decent bit of credit cards and every single one of them have done this but this one has not. Please help
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon checking my consumer credit report I noticed several UNAUTHORIZED inquiries on my credit report to which I did NOT EVER give consent to. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. & 1681i ), unverified inquiries must be REMOVED. Please investigate and remove any unverifiable inquires!

ACCORDING to The Gramm-Leach-Bliley ACT ( GLBA ) enacted in 1999, is a U.S. law that requires financial institutions to establish privacy policies and practices, including informing consumers about their information-sharing practices. 


Upon reviewing my credit report, I noticed the following hard inquiries : XXXX 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 Thank you for your attention to this matter. I look forward to your prompt response confirming the removal of these unauthorized inquiries. If you need any further information from me, please do not hesitate to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-05
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: CORELOGIC INC (PA)

Never gave XXXX XXXX ( XXXX  ) consent to pull my credit. Heres a few Violations XXXX committed against me *Federal Laws : * 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 2. Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m *Regulations : * 1. Consumer Financial Protection Bureau ( CFPB ) - 12 CFR 1002 2. Federal Trade Commission ( FTC ) - 16 CFR 600 *Hard Inquiry Rules : * 1. Permissible Purpose Rule ( FCRA 604 ) : Companies must have a legitimate purpose to inquire about your credit. 2. Authorization Requirement ( FCRA 604 ( a ) ( 2 ) ) : Companies must obtain your consent before pulling your credit report. *Acceptable Hard Inquiry Purposes : * 1. Credit applications 2. Employment screening ( with written consent ) 3. Insurance underwriting 4. Credit account reviews *Time Limits : * 1. Hard inquiries remain on credit reports for 2 years ( FCRA 605 ( c ) ( 1 ) ). 2. Multiple inquiries for same purpose within 14-45 days are typically combined into one ( FCRA 604 ( a ) ( 3 ) ). *Consumer Rights : * 1. Right to dispute inaccurate inquiries ( FCRA 611 ). 2. Right to request inquiry removal ( FCRA 612 ). *Penalties for Non-Compliance : * 1. Civil liability ( FCRA 616 ). 2. FTC enforcement actions. Relevant US Codes : - 15 U.S.C. 1681 ( FCRA ) - 15 U.S.C. 1681m ( FACTA ) - 12 CFR 1002 ( CFPB ) - 16 CFR 600 ( FTC ) Now that they pull my credit and denial me of credit service when I have a right according to Here are relevant US codes and guidelines regarding denial of credit : Federal Laws : 1. Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. Regulations : 1. Consumer Financial Protection Bureau ( CFPB ) - 12 CFR 1002 2. Federal Reserve System - 12 CFR 202 3. Federal Trade Commission ( FTC ) - 16 CFR 600 Denial of Credit Rules : 1. Adverse Action Notice Rule ( ECOA 701 ) : Creditors must provide written notice of denial. 2. Discrimination Prohibition ( ECOA 702 ) : Credit decisions can not discriminate based on : - Race - Color - Religion - National origin - Sex - Marital status - Age ( provided applicant has capacity to enter binding contract ) 3. Credit Reporting Requirements ( FCRA 615 ) : Creditors must report accurate info. Notice Requirements : 1. Reason ( s ) for denial ( ECOA 701 ( a ) ) 2. Credit score disclosure ( FCRA 609 ) 3. Credit reporting agency contact info ( FCRA 609 ) Consumer Rights : 1. Right to request credit score disclosure ( FCRA 609 ) 2. Right to dispute credit reporting errors ( FCRA 611 ) 3. Right to sue creditor for discrimination ( ECOA 706 ) Penalties for Non-Compliance : 1. Civil liability ( ECOA 706 ) 2. FTC enforcement actions 3. CFPB enforcement actions Relevant US Codes : - 15 U.S.C. 1691 ( ECOA ) - 15 U.S.C. 1681 ( FCRA ) - 12 CFR 1002 ( CFPB ) - 12 CFR 202 ( Federal Reserve ) - 16 CFR 600 ( FTC )
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX