davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
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 have not supplied proof under the doctrine of estoppel by the silence of XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists, ( please remove this account before I seek litigation for defamation of character. ) XXXX BALANCE {$840.00}, XXXX XXXX XXXX BALANCE {$530.00}, I XXXX XXXX BALANCE {$830.00}
Consumer complaint received 2022-11-25
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. (WY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are 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
Consumer complaint received 2024-10-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (OK)

have been a customer of Flagstar Bank for 7 years and have never made a mistake with my mortgage payments. Recently, I encountered issues when attempting to make my payments. Flagstar Bank has informed me that they will no longer accept payments over the phone or via credit card, insisting that I make payments exclusively through cashier 's checks. 

I have called almost daily and submitted multiple requests to have this decision reconsidered ; however, no one has been able to assist me in making a payment. I have spoken to multiple representatives from different departments multiple times per day and have escalated my request to the highest level available to me. Yet, I have been told repeatedly that there is no way to make the payments, even though all they need to do is accept my card information. This situation has become quite stressful for me, and I can not understand why it can not be resolved. 

The issue began when funds were mistakenly taken out of the wrong account, which caused me to be removed from the auto-payment plan. Although I have been told I can not make a payment, I successfully made a payment last month using my credit card, which adds to my confusion and frustration. 

I have the funds available to make my payments, but Flagstar Bank will not accept them through any method that I can use. This change in payment policy has created a significant hardship for me, as I am unable to obtain a cashier 's check. As a result, I am at risk of missing my mortgage payments, which could lead to further financial complications.
Consumer complaint received 2024-09-21
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've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
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 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

I was victom of a XXXX scam in late XXXX, and submitted a dispute of nearly $ XXXX to barclays bank. My dispute was closed immediately, with a letter sent to me stating it was essentially auto-closed because " service was provided '' although the property I rented was not at all what was advertised. I put together a detailed packet of information, and sent it to Barclays within 30 days to re-open the case. They closed the case again stating I did not send my followup documentation within 20 days. This arbitrary 20 day time limit was not disclosed in the initial letter, nor can I find it anywhere in my account documentation. The scammer is walking away with nearly $ XXXX, will continue to scam other customers, and Barclay Bank is doing nothing to stop it.
Consumer complaint received 2024-09-21
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)

Subject : Final Request for Removal of Inaccurate Collection Account XXXX XXXX XXXX # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. 
Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. 

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should b reported on my credit file. 

Since the collection agency failed to provide validation and my previous requests for verification has been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. 

Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-21
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. (VA)

Dear CFPB, I am writing to formally dispute multiple unauthorized inquiries that have appeared on my credit report. I have thoroughly reviewed my report and identified several inquiries that I do not recognize and did not authorize. These inquiries are negatively impacting my credit score, and I believe they were placed in error or without my consent. 

I am requesting an immediate investigation into these unauthorized inquiries and for them to be removed from my credit report as soon as possible. The credit reporting agencies involved in this matter are TransUnion, XXXX, and XXXX. 

I have attached a copy of my credit report with the disputed inquiries highlighted. Please assist me in resolving this issue promptly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-21
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that writes text. You can use it to write stories, messages, or programming code. You can use the AI chatbot as a virtual tutor in almost any subject. 



XXXX XXXX Are u familiar with consumer laws Delete Yes, I'm familiar with consumer laws, which are regulations designed to protect the rights of consumers when they engage in transactions for goods and services. These laws cover a wide range of issues, including product safety, false advertising, warranties, and the right to return or exchange products. Consumer protection laws vary by country and jurisdiction, so if you have specific questions about a particular aspect or region, feel free to ask! 

Copy Search Web Summarize Delete Ok using consumer law 15 US 6802b write me detail dispute paragraph stating how according to this law all late payments on my consumer report is inaccurate because I never opted out or was giving the option to opt out even tho they state I opted in to having my information release XXXX XXXX XXXX XXXX first XXXXXXXX XXXX, and cXXXX XXXX XXXX  Delete Sure! Here 's a detailed dispute paragraph that you might consider using for your consumer report dispute : Dispute Paragraph : According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ), individuals have the right to control their personal information and may opt-out of allowing financial institutions to share their data. It has come to my attention that my consumer report reflects several late payments reported by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, I did not opt-in for my information to be shared with these entities, nor was I provided an option to opt-out at any point. This lack of informed consent means that any late payments that have been reported to credit bureaus are inaccurate and violate my rights under the FCRA. As such, I request an immediate investigation and correction of my consumer report to remove these erroneous late payment entries, as they do not accurately reflect my payment history and have been reported without my consent.
Consumer complaint received 2024-07-24
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. (CA)

Subject : Complaint Regarding XXXX and Equifax XXXX to Respond to Initial Complaint within Legal Required Timeframe Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax and XXXX regarding their failure to respond to my initial complaint within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve the issue directly with Equifax and XXXX, they have not acknowledged or addressed my complaint within the 30-day period specified under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 

On XX/XX/year>, I submitted a complaint to XXXX and Equifax regarding unauthorized inquiries, identity theft, and inaccurate information on my credit report. Furthermore, I have discovered that XXXX and Equifax have accessed and reported on my credit information for over 10 years without my authorization or knowledge. According to Section 604 of the FCRA, consumer reporting agencies must obtain a permissible purpose before accessing a consumer 's credit report. I did not authorize XXXX XXXX Equifax to use or report on my credit information for any purpose. According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute, consumer reporting agencies such as XXXX and Equifax are required to conduct a reasonable investigation within 30 days, unless they consider the dispute to be frivolous or irrelevant. In my case, both XXXX and Equifax have failed to adhere to this statutory requirement by not responding at all within the specified timeframe. 

This delay has caused significant inconvenience and potential financial harm to me. As a consumer, I rely on accurate credit reporting to secure loans, housing, and employment opportunities. XXXX and Equifax 's non-compliance with the FCRA has directly impacted my ability to manage my financial affairs and protect my creditworthiness. 

Therefore, I request that the Consumer Financial Protection Bureau intervene and take appropriate action against XXXX and Equifax for their failure to comply with federal law. Specifically, I request that XXXX and Equifax be compelled to remove my entire complaint from my credit report immediately, as they have forfeited their right to report it due to their failure to investigate and respond within the required timeframe. 

Please inform me of the steps you will take to address this matter and ensure both XXXX and Equifax 's compliance with federal consumer protection laws. 

Thank you for your prompt attention to this urgent matter. I look forward to your timely response and resolution of this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2024-09-24
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. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (MI)

Truist Bank notified me that a business account was charged off in my name. I never opened this account. I live in Michigan and we dont even have Truist. This account is fraud. My SSN is XXXX and my EIN is XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX Acct XXXX. XXXX {$2100.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5100.00} Inquiry : XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$2500.00}, XXXX. XXXX XXXX XXXX. {$1500.00}, XXXX XXXX XXXX {$6200.00}, XXXX. XXXX XXXX. {$3500.00}. THE FOLOWING INQUIRES ARE UNAUTHORIZED. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (WA)

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a bulk purchase on XXXX and factoring companies on Equifax that was opened XX/XX/year> under the account number # XXXX. This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint 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. 
XXXX XXXX has not provided validation information under XXXX CFR XXXX ( b ) ( XXXX ) but yot they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to XXXX CFR XXXX ( c ) ( XXXX ) ( XXXX ) XXXX agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of XXXX XXXX XXXX ( d ) and 15 USC 1681-S 2 ( XXXX ) ( A )
Consumer complaint received 2024-09-24
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)

In accordance with the fair credit reporting act XXXX Has violated my right. 
15 U.S.C 1681Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : It Also States A consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-07-24
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. (CA)

Checking my credit report, I noticed that the account XXXX XXXX XXXXXXXX is only being reported by Equifax, which is a clear violation of my rights under the FCRA. I have disputed this error directly with Equifax ; however, they have not provided any reasoning or information regarding the case. Therefore, I am filing a complaint to resolve this issue that is negatively affecting my credit.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These inaccuracies are violations of Section 607 ( b ) of the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, under Section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), TransUnion is obligated to investigate and correct any inaccurate information on my report, which they have failed to do in a timely manner.
Consumer complaint received 2024-09-24
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. (GA)

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