davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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. (FL)

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing the following collection account that appears on my credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$180.00} Date of Account : XX/XX/XXXX I do not recognize this account and believe it was placed on my credit report without proper authorization. Therefore, I request an immediate investigation and removal of this account from my credit report as required by law.

Legal Reference : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and supported by precedents such as XXXX XXXX XXXX XXXX XXXX  ( XXXX ), I request a thorough investigation and removal of the unauthorized collection account from my credit report. This jurisprudence highlights the obligation of creditors to conduct reasonable and accurate investigations when a dispute is raised, and failure to do so can be considered a violation of the FCRA.

Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, creditors and collection agencies are obligated to report accurate information. If the disputed account has been reported inaccurately, this must be corrected immediately, and a full investigation should be conducted as required by law.

Furthermore, under Section 807 ( 15 U.S.C. 1692e ) of the FDCPA, debt collectors are prohibited from using any false or misleading representations when attempting to collect a debt. I believe the disputed account has been presented in a misleading or incorrect manner on my credit report.

I would appreciate it if all collection efforts were suspended until proper validation has been provided. This will ensure that any further action complies with the law and is based on accurate and validated information.

I expect to receive the requested information within 30 days of your receipt of this letter in accordance with my rights under the FCRA and FDCPA. Thank you in advance for your cooperation and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-18
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. (FL)

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing the following collection account that appears on my credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$180.00} Date of Account : XX/XX/XXXX I do not recognize this account and believe it was placed on my credit report without proper authorization. Therefore, I request an immediate investigation and removal of this account from my credit report as required by law.

Legal Reference : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and supported by precedents such as XXXX XXXX XXXX XXXX XXXX ( XXXX ), I request a thorough investigation and removal of the unauthorized collection account from my credit report. This jurisprudence highlights the obligation of creditors to conduct reasonable and accurate investigations when a dispute is raised, and failure to do so can be considered a violation of the FCRA.

Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, creditors and collection agencies are obligated to report accurate information. If the disputed account has been reported inaccurately, this must be corrected immediately, and a full investigation should be conducted as required by law.

Furthermore, under Section 807 ( 15 U.S.C. 1692e ) of the FDCPA, debt collectors are prohibited from using any false or misleading representations when attempting to collect a debt. I believe the disputed account has been presented in a misleading or incorrect manner on my credit report.

I would appreciate it if all collection efforts were suspended until proper validation has been provided. This will ensure that any further action complies with the law and is based on accurate and validated information.

I expect to receive the requested information within 30 days of your receipt of this letter in accordance with my rights under the FCRA and FDCPA. Thank you in advance for your cooperation and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Onity Group Inc. (OH)

On XX/XX/XXXX a payment of {$280000.00} was made to my mortgage. At that time, my LTV ratio fell to below XXXX XXXX Per the Homeowners Protection Act of 1998 ( aka the PMI Cancellation Act ), mortgage companies are required to automatically remove PMI once the LTV ratio falls below 78 %. PHH did not remove my PMI despite my LTV ratio falling to well below XXXX XXXX  XXXX continued to charge me $ XXXX from XX/XX/XXXX through XX/XX/XXXXXXXX XXXX  ( 9 months after my LTV ratio was under XXXX XXXX ) and then in XX/XX/XXXXXXXX XXXX XXXXhey charged me another {$200.00} for PMI. 

I contacted PHH via phone and email over a dozen times in XXXXXXXX XXXX. I was given the name XXXX and the number ( XXXX ) XXXX extention XXXX. Every single time I called that number and extension, I got a voicemail. Every single time I left a voicemail, I did not receive a call back. Every email response that I received refused to address why PHH did not abide by the Homeowners Protection Act. I was only told that I was not owed a refund.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. Have never had a {$270.00} payment or bought vehicle XX/XX/2020. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-09-18
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. (IL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$720.00}. a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$530.00}. a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1600.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. A personal credit card account opened at XXXX on XX/XX/XXXX in the amount of {$720.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$0.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$0.00}. A personal credit card account opened at XXXX on XX/XX/XXXX in the amount of XXXX. A mobile account at XXXX XXXX on XX/XX/XXXX in the amount of {$990.00}. A mobile account at XXXX XXXX on XX/XX/XXXX in the amount of {$1900.00}. a account at XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of {$240.00}, a personal credit card account at XXXX XXXX opened on XX/XX/XXXX in the amount of {$0.00}. a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$230.00}. a account with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$9500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (TX)

problem We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT I reviewed my credit report on XX/XX/2024 and I noticed that there are various items that are inaccurate and incomplete. I have submitted several request to Experian regards to this and they have failed to send the information on how they have verified this information nor have they fixed the inaccurate information. Per 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 reference too. These 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 Are incomplete and inaccurate. Yet they seem to say that everything is complete and accurate but if you check my attachments everything is not accurate nor complete. According to 15 USC 1681s-2A A person shall not furnish any information to any consumer reporting agency if the person knows that the information is inaccurate. According to the law they are suppose to provide the description of the investigation according to 15USC 1681i ( 7 ) Description of reinvestigation procedure and they have failed to do so. Furthermore according to 15USC 1681s-2 they are not suppose to furnish any information relating to a consumer if the person has reasonable cause to believe information is inaccurate. ( Dates, amounts, last activity, balanced owed, date opened, last payment )
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally dispute the re-insertion of accounts on my credit report that were previously disputed and deleted. The account have been reinserted without the proper notification or communication as required under the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. 1681i ( a ) ( 6 ), which mandates that a consumer reporting agency must notify me when an item is reinserted into my credit report.

Furthermore, I believe this action may violate my rights under 15 U.S.C. 1681b, which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. For your reference, I have attached a partial copy of my credit report showing the erroneous account that has been reinserted. I kindly request that the CFPB investigate this matter to ensure compliance with these regulations and to uphold my rights as a consumer. I appreciate your attention to this issue and look forward to your prompt response.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one is reporting an inaccurate balance amount. I disputed it and it cans back verified. I called XXXX XXXX to report that the amount is inaccurate. I was told by the original representative and then again by her manager XXXX XXXX XXXX XXXX ) that I couldnt dispute again. I was also told that XXXX XXXX XXXX XXXX account was accurate although it isnt. I advised that they were violating my consumer rights but XXXX disconnected the call in my face I advised before that it was illegal for XXXXXXXX XXXX to post inaccurate unverified information.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXXl XXXX 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 in ( MONTHS REPORTING LATE ) 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2023-11-10
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-26
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. (OH)

I am writing to you as the holder of credit card account number XXXX XXXX XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2024-09-18
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. (MD)

By 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. XXXX XXXX has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 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 2024-09-18
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. (MD)

I am writing to dispute several hard inquiries that appear on my Transunion credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under 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 XXXXXX/XX/XXXX I called in to Transunion and spoke with a supervisor, XXXX, on XX/XX/XXXX. He confirmed that they had received my complaint/dispute and all of the documents through CFPB, but said he would have to submit the dispute again because of something about it not meeting their " fraud block criteria ''. When I asked him what those criteria were, he informed me that he couldn't tell me that information. He said he can resubmit the dispute for me again, took my information, and then said it should update ( and be deleted ) in about 1-2 business days. I then called again on XX/XX/XXXX and spoke with another representative who said that the dispute has been filed again and inquiries/info sent to the credit card companies as of yesterday, and that there is no timeline for when it will be updated. So Transunion is telling me different messages and refusing to delete the unauthorized inquiries immediately.