davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-07-23
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: Westlake Services, LLC (CT)

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B A creditor can not treat an account under an open-ended consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MN)

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. (CA)

I recently received a copy of my credit report. The credit report showed credit Inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put Inquiry on my credit file unless I have authorized it. 
XXXX XXXX XXXX XX/XX/year>
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. (NY)

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 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

In XX/XX/XXXX, I had to change the deposit account where my mortgage payment was pulling from. I contacted Flagstar and informed them of what I was doing. They said that the current month should be paid for their system to allow the change. I paid in advance {$1100.00} on XX/XX/XXXX. Days after I believe, I set up ACH to pull half of my mortgage every other Friday to the new deposit account and went through just fine. I realized after that I did not cancel the prior ACH payment for {$860.00}. I contacted Flagstar I believeXX/XX/XXXX, and they said that they are not seeing the payment which is understandable as it was scheduled to pull on XX/XX/XXXX, but I am no longer able to cancel with my bank as it was already systemically initiated 2 days prior to the scheduled date. Finally, the unintended payment of {$860.00} posted on XX/XX/XXXX I reached out to them to refund the overpayment and they advised me to fill-out a form and send back to them. I did what I was told and emailed the filled-out form on XX/XX/XXXX The form was Flagstar 's ACH Refund Form. It had details of the payment and where it will be sent which was the same account where it came from. They responded XX/XX/XXXX, requesting for a copy of my bank 's history ledger showing that all payments made to Flagstar have cleared. And if I have a negative balance, to confirm with my bank first that the payment will not be reversed. I responded by asking why they are asking me for proof that payments have cleared when the payment had already posted in my account for days. Today, they sent me the same email response. The unintended payment posted 8 days ago on my mortgage and they are still asking for proof that it has cleared. Flagstar is unwilling to return the duplicate overpayment when they already received the ACH payment of {$1100.00} on XX/XX/XXXX, the same day the overpayment had posted on my mortgage. Please help.This bank is not servicing their customers in good faith. What they should be concerned about is if they refund the overpayment, will it result to my mortgage going in default ; and obviously will not as ACH had been set-up.
Consumer complaint received 2024-10-14
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. (PA)

This is not a dispute, this is a demand! 

Notice to agent is notice to principal and notice to principal is notice to agent Dear [ XXXX XXXX XXXX ], I, XXXX XXXX XXXX, am writing to you regarding the XXXX BANK, XXXX. account # XXXX reported on my consumer credit report. Based on the information provided, this account should be removed from my report, as XXXX Bank has been violating my rights for over XXXX years now. 

The overview of the XXXX BANK, XXXX. account indicates that the balance is {$0.00} and the account is closed. Additionally, the payment history shows that the last payment was made on XX/XX/XXXX, with a current payment status of " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ), inaccurate, incomplete, or unverifiable information must be removed from a consumer 's credit report. As established in the Supreme Court case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Since this account has a {$0.00} balance and is closed, it should be deleted from my report. 

Alternatively, if the account has been paid in full, it should also be removed, as the purpose of reporting the account has been satisfied. Maintaining a closed, paid-in-full account on a credit report can have a negative impact on my creditworthiness, as held in the Ninth Circuit Court of XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

XXXX BANK, XXXX. has been violating my rights under the FCRA by continuing to report this inaccurate and outdated information on my credit report for over XXXX years. This account was previously disputed, and XXXX followed the rules and deleted the account. However, Transunion and XXXX did not, and are currently in willful violation of my rights. Transunion and XXXX did not complete the investigation within the allotted XXXX time frame, and I filed a CFPB complaint, yet they still did not delete the account. This is harming me, and each company is liable for a {$1000.00} violation ( per month that it was reported since my first dispute in XX/XX/XXXX ), respectively. 

I kindly request that you investigate this matter and remove the XXXX BANK, XXXX. account from my consumer credit report immediately.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2019-01-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BB&T CORPORATION (MI)

On XX/XX/XXXX I contacted BB & T and asked and received a payoff amount for my Home Equity Line of Credit. My goal was to payoff a higher interest rate loan. I authorized BB & T to Debit my DDA for the Payoff Amount and received a confirmation number and days later a confirmation Letter indicating the payment to my Home Equity Line had occurred.When my XX/XX/XXXX statement came it showed BB & T SPLIT the XX/XX/XXXX Payment and credited a portion to my Home Equity Term Loan ( which carries a lower rate ) and applied the remained to my Home Equity Line ( which carries a higher rate ). 

The result of BB & T splitting my payment allowed them to keep a balance on the higher rate loan rather than paying it off as I requested. 

For two weeks I made 7 calls to BB & T to correct their decision to Split my payment which kept a balance on the higher rate loan. 

Finally, I involved North Carolina 's Office of Commissioner of Banks. 

So, after 7 phone calls to BB & T and my contacting North Carolina 's Office of Commissioner of Banks on XX/XX/XXXX the Split Payment was reversed and Applied to my higher rate Home Equity Line as I requested on XX/XX/XXXX. 

HOWEVER, due to BB & T Splitting the XX/XX/XXXX payment the Authorized Automated Home Equity Term Loan Payment due for XX/XX/XXXX was not processed by BB & T 's Account System. Then when BB & T Reversed the Split Payment on XX/XX/XXXX - BB & T did not process the Authorized Automated Home Equity Term Loan Payment for XX/XX/XXXX - they just left the Home Equity Term Loan Past Due. 

The result was - I received a Collection Call and a Collection Letter threaten Credit Bureau Reporting for a past due payment on my Home Equity Term Loan - which all occurred due to BB & T Splitting my payment request in order to keep the higher rate Home Equity Line with a loan balance and charge a higher rate of interest and charge late fees. 

I have BB & T documentation which confirms this tragic occurrence of a Big Bank 's effort to swindle and take advantage of a consumer.
Consumer complaint received 2024-10-14
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. (MI)

State of Michigan XXXX of XXXX XXXX XXXX XXXX, being first duly sworn, deposes and says : Identity : I am the individual whose name appears on the credit report issued by on XXXX, XXXX and Transunion XXXX. 
Dispute of Inquiries : I dispute the accuracy of the following inquiries listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made in violation of 15 U.S.C. 1681b and 1681n, as they were not authorized by me or made for legitimate business purposes. 
Dispute of Collections : I dispute the accuracy of the following collections listed on my credit report : XXXX XXXX XXXX. These collections were reported in violation of 15 U.S.C. 1692g and 1692c, as they were not valid debts or were not properly communicated to me.

Dispute of Charge-Offs : I dispute the accuracy of the following charge-offs listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These charge-offs were reported in violation of 15 U.S.C. 1681e and 1681i, as they were not accurate reflections of my creditworthiness or were reported in error.
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (TX)

On XX/XX/year> I disputed this information with XXXX prior to repeated phone calls also complain with you # XXXX. Then contacted them again and submitted a identity theft report along with a police report on XX/XX/year> # XXXX. I received a updated reported today and also called them. I am keep being told that those inquiries stem from prior inquiry to me purchasing my vehicle in XX/XX/year>. Which I know was untrue and ask to call XXXX which I did when paying my car note and which I was informed that those companies have no affiliation with them at all. Then XXXX told me to call XXXX back and I did but no change. I called XXXX today and spoke to the fraud department and was told that the inquiries from XX/XX/year> was a previous inquiry to XXXX which it not true. I never applied for a vehicle in XXXX so how could someone know I was looking for a car. I drove XXXX hours out of state to purchase my vehicle and drove it back to XXXX. It make no sense and those inquiries are months apart. It is Identity theft. Me calling, writing letters to dispute, filing complaints etc. I Submitted a Police report and Identity theft report as needed but they refusal is beyond me and is hurting my credit and/ or to obtain credit. 

Please see new Credit Report I received today. Inaccuracies still remain in the brackets
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-14
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. (AZ)

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$380.00}
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Consumer complaint received 2023-08-10
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. (FL)

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on two separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Consumer complaint received 2024-10-15
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)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.