davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (IL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
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: Experian Information Solutions Inc. (TX)

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-09-16
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. (TX)

I am challenging the accuracy of certain information reported on my credit file as it does not accurately reflect my financial transactions or history. This situation breaches the Fair Credit Reporting Act, under the provisions of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain reasonable accuracy in the information they report about consumers. Enclosed are the necessary documents demonstrating these inaccuracies. I urge a swift investigation and the rectification of this information to correct my credit report.
Consumer complaint received 2024-09-15
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. (AZ)

After checking my consumer report the following company ( s ) are reporting a late payment. 

Account Name/Account Number XXXX XXXX XXXX XXXX XXXX I am demanding that the following late payment ( s ) be removed because my consumer rights have been violated based on the consumer law ( s ) listed below 15 usc 1681a- Definition ; rules of construction Section-2 Exclusions subsection A subsection i - reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 usc 6802- Obligations with respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) IN GENERAL. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such a third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681b- Permissible purposes of consumer reports ( A ) IN GENERAL Subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not be added to my consumer report.

Under 15 usc 1681n, - Civil Liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; As a consumer I can charge {$1000.00} for damages if you dont remove this item because it is very injurious to me. 
PLEASE DONT SAY THE ITEM IS VERIFIED. Either the law is applicable or not! Send an updated copy once the item ( s ) disputed are removed.
Consumer complaint received 2024-09-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2024 Company or Bill Collector damages your credit through no fault of your own, By failure to validate debt when asked and falsely reporting the debt which interim damage reputation and or prevented me from credit approval due to score dropping. 

I have and never applied for credit or cash advance from the following and has requested removal in writing to the following. 

1XXXX XXXX XXXX XXXXXXXX DEBT WAS REPORTED AS FRAUD NEVER SENT PROOF OR A VALADATION OF THIS DEBT AFTER XXXX REQUEST **** NEVER SUPPLIED 2. XXXX XXXX XXXX XXXX DEBT WAS REPORTED AS FRAUD NEVER SENT PROOF OR A VALADATION OF THIS DEBT AFTER XXXX REQUEST **** NEVER SUPPLIED 3. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX I HAVE NEVER OPEN AN ACCOUT WITH THIS MERCHANT -A REQUEST FOR VALIDATION OF THIS DEBT / CONTRACT/ BILL ****NEVER SUPPLIED AFTER REQUESTED At this time Im requesting removal of each an all collection reported in error after 3 attempts to seek validation no report or bill or validation has arrived Please remove the following collection agency due to lack of knowledge of proving matter was legitimate prior to report and no notification due to identity thief no knowledge of this debt was ever rendered.
Consumer complaint received 2024-09-14
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. (IL)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-09-14
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. (IL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-15
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. (CA)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.
Consumer complaint received 2024-09-15
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. (FL)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rioghts and confidentiality under 15-USC1681 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 I looked at my XXXX credit report XX/XX/2024 and noticed some things that are incomplete and not accurate. In accordance ith the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And in accordance to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate,
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Hello again. 

Every response from Mr Cooper is carefully crafted to read as if Mr Cooper has been on top of their mistake. I assure you, after months of my time, efforts, and financial sacrifices, they have not been. Thus, my complaints. I am fling yet again. 

( re : Mr Cooper failed to pay my monthly insurance policy, resulting in a sudden raise of my monthly mortgage payment and an escrow shortage. ) Prior to the CFPBs involvement, I'd paid 3-4 months of additional monies to Mr Cooper as a result of Mr Coopers mistake and asked that those over-payments be reimbursed to me, as well as the extra {$1000.00} I sent into escrow to cover this " shortage '' ( caused by Mr Cooper for non-payment of my insurance ). Since CFPB 's last inquiry, my escrow has been further compromised and I am suspicious of fraud. 

I am currently receiving three billing statements per month from Mr Cooper. They still notate a {$13.00} shortage ( impossible ) that has been applied monthly to my bill, which I must pay. But when I call, both the system and a representative tell me my escrow is POSITIVE {$2400.00} ( reflecting all of my over-payments ). Mr Cooper is still trying to take monies from me. 

I have been incredibly patient and inconvenienced of time, money and sacrifices in handling Mr Coopers mistake. Enough is enough. Who is responsible for holding them accountable? I want this matter resolved. I am a responsible homeowner and always on time with my obligations/ payments. Mr Coopers inability or unwillingness to amend their error and correct my account remains a large disservice to me. 

XXXX
Consumer complaint received 2023-11-10
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: Westlake Services, LLC (GA)

I hope this letter finds you well. I am writing in response to your communication through CFPB, which detailed the permissible purpose for the credit inquiry on XX/XX/2022, XX/XX/2022, and XX/XX/, associated with my name, XXXX XXXX. 

After careful review of your response, I must express my continued concern and disagreement with your assertion that the credit inquiry was based on permissible purpose under 15 USC 1681b ( a ) ( 3 ) ( A ). I would like to reiterate that, to the best of my knowledge, I never authorized nor gave written consent for Westlake Financial Services to access my credit report.

In response to your claim of permissible purpose, I formally request documented proof that I provided such authorization. Specifically, I am requesting documents bearing my wet signature, unequivocally indicating my agreement to grant permission for the review of my credit file.

The unauthorized inquiries made into my credit history are adversely affecting my creditworthiness and causing significant concerns about the accuracy of my credit report. I want to emphasize that I have had no communication with Westlake Financial Services, rendering it impossible for me to have given consent for the retrieval of my credit report.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (MD)

My account was restricted because I was trying to send cryptocurrency however since this had occurred I had called Robinhood on several occasions with little to no success. I currently have {$23000.00} in my account and I do not this money for an emergency but they refuse to transfer my funds. Someone had contacted me by email asking to upload a bank statement but Robinhood app wont allow it nor even login from a computer. I had even ask them if my account is restricted with cant I access my funds this has nothing to do with the restriction thats on my account.
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: TD BANK US HOLDING COMPANY (AL)

Dear CFPB, I am writing to formally file a complaint against Target regarding the unauthorized reporting of my account as a charge-off on my credit report. I believe this action violates my rights under 15 USC 6802 ( Gramm-Leach-Bliley Act ) and 15 USC 1681 ( Fair Credit Reporting Act ). 

I did not authorize Target to report my account as a charge-off, and this action has negatively impacted my credit standing. The lack of proper communication regarding this significant adverse action raises serious concerns about compliance with federal regulations. 

Additionally, I request validation or proof of any written correspondence from me that would authorize Target to report this charge-off of {$620.00}. To my knowledge, I have not granted permission for such reporting, which further underscores the need for a thorough investigation. 

I urge you to look into this matter and assist in ensuring that Target rectifies the situation by removing the unauthorized charge-off from my credit report. It is essential for consumers to have protections in place against unauthorized negative reporting that can harm their financial well-being. 

Thank you for your attention to this important issue. I look forward to your response and any assistance you can provide in resolving this matter.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX, XXXX ACCT # XXXX  Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX  Account name : XXXX ACCT XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-16
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.