davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (UT)

I called NewRez in XX/XX/XXXX to confirm timing of my escrow analysis and escrow refund and was promised I should receive a check early XX/XX/XXXX. Utah property taxes are due every XXXX, and NewRez policy is that escrow analysis is completed for Utah mortgages in XXXX with refunds following. 
I inquired via the NewRez website for my escrow analysis and refund on XX/XX/XXXX and XX/XX/XXXX. 
Separately, I requested new escrow analysis as far back as XXXX XX/XX/XXXX, based on my upcoming and known property tax. 
Due to NewRezs failure to refund my excess escrow in a timely manner, Id like to cancel escrow and pay taxes and insurance on my own. NewRez refused this request, claiming I am not eligible to cancel escrow until 2 years after loan origination. 
I called NewRez again today, XXXX XX/XX/XXXX, and was told that I should expect a resolution on XXXX XX/XX/XXXX, more than 2 months late, even with expediting my request. 

NewRez has been holding my escrow hostage for an excess 3 months after property tax was paid and excess would have been readily identifiable.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This has been disputed multiple times and have yet not received an update from TransUnion. I am contacting you because I have found some information that is inaccurate on my credit report. I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX After doing so please provide me with an updated credit report reflecting the changes.
Consumer complaint received 2024-02-07
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. (FL)

In accordance with 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.

15 U.S.C 1681 section 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not being shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-02-07
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)

In accordance with 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.

15 U.S.C 1681 section 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Portfolio Control Inc. (GA)

I, XXXX XXXX XXXX had a company call, Central portfolio Cont. ( XXXX XXXX XXXX XXXX XXXX : XXXX ) say I owe them XXXX on my credit report. They reported I opened a account with them and XXXX for rent or whatever and still owe them a balance. I never live at this address and have bank statements and credit card statements reporting my pervious address for the last 6 years. I talk with XXXX and report FRAUD but got no good results from them. I, also submitted a police report explaining my information. I will provide another police report and my ID to verify me. Thanks XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-08-15
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. (CA)

Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2024-02-12
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (MD)

I am writing to formally dispute the collection account referenced as # XXXX on my credit report. It has recently come to my attention that this account stems from alleged outstanding charges from XXXXXXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, MD. However, I contest the validity and accuracy of the debt for the following reasons : Lack of Notification : Prior to the appearance of this collection account, I received no communication from XXXX XXXX XXXX XXXX  regarding any outstanding charges or attempt to resolve the matter amicably. There was no opportunity given to address or rectify any potential issues before it escalated to collections. 

Absence of Detailed Documentation : Despite my request for substantiation of the alleged debt, XXXXXXXX XXXX XXXX XXXX has failed to provide any meaningful documentation or evidence to support the charges totaling {$370.00}. I have diligently sought an itemized breakdown of the expenses, including dates, amounts, and the nature of the charges, but to no avail. 

Unjustified Retention of Security Deposit : Furthermore, it is pertinent to mention that XXXX XXXX XXXX XXXX has also withheld my security deposit without proper explanation or justification. This raises concerns regarding the transparency and fairness of their billing practices. 

Premature Involvement of Collection Agency : Instead of engaging in constructive dialogue to address any discrepancies or outstanding payments directly with me, XXXX XXXX XXXX XXXX  opted to involve a collection agency, I.Q. Data International , Inc., located at XXXX XXXX XXXX, XXXX, WA XXXX. This hasty action suggests a disregard for due process and a failure to adhere to fair debt collection practices. 

In light of the above, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by formally disputing the validity of this debt. I demand that all collection efforts cease until such time as XXXXXXXX XXXX XXXX XXXX provides verifiable evidence supporting the alleged charges and the legality of involving a collection agency without prior notice. 

I expect a thorough investigation into this matter and a prompt response within 30 days of receipt of this letter. Failure to provide adequate documentation or resolve this dispute satisfactorily will leave me with no choice but to explore further legal remedies available to me.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

All inqury information without an account in my credit report not a Permissable purpose 15 U.S. Code 1681n ( a ) is a part of the Fair and Accurate Credit Transactions Act ( FACTA ) of 2003 that covers civil liability for willful noncompliance with consumer credit protection requirements : Liability Anyone who willfully fails to comply with a requirement under this subchapter is liable to the consumer.This includes obtaining a consumer report under false pretenses or without a permissible purpose. 

Damages The consumer can recover the following damages : Actual damages : Any damages the consumer sustained as a result of the violationStatutory damages : For willful violations, the consumer can recover statutory damages of at least {$100.00} but no more than {$1000.00} per violationPunitive damages : The court may award punitive damagesAttorneys ' fees : The consumer can recover the costs of the action and reasonable attorney 's fees
Consumer complaint received 2024-08-15
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. (CA)

Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2023-06-05
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. (FL)

In accordance with 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 XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 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 an account without my written instructions.

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

15 U.S.C. 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 2024-02-07
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. (CT)

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 XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-30
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (TX)

Im complaining about a debt letter I received from online information services is a debt collector. We are trying to collect a debt that you owe XXXX XXXX. I have never used XXXX XXXX, and this is not my debt, Im a victim of identity theft now, I have filed a police report with XXXX XXXX sheriff Office, case # XXXX the amount owed is XXXX dlls the date of service is XX/XX/2023, just got the letter from the collector on XX/XX/2023. I have called the On Line information services and they told me to report it directly to XXXX XXXX and XXXX referred me to this web page. XXXX phone number is XXXX. I have lived at my address for XXXX years and I have never used XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On or about XX/XX/2023 I paid the entire balance of my Capital One platinum and Capital one XXXX card off. Totaling about XXXX for both. I applied for a mortgage in XXXX of 2023 and by XXXX, it was time to go to the next step. I had been saving money so that I could pay my bills from my XXXX account so as to not disturb any funds I was saving for my closing costs. Normally, I go on Capital One app and use XXXX of my bank cards to pay my bill. However, since I was using XXXX, I had to pay with that. I tried to put the numbers in but got a response that card was not accepted. So I went to XXXX 's page where they have your account number and routing number and I entered that for my payments. A couple of days later I realized the money did not come out of my account. I looked on the Capital one app and saw the payment was returned. I had no idea why, but just paid out of my closing funds immediately. The next day my accounts were marked restricted. I called to ask why and they said they do not tolerate that type of business or some rule they read to me. I explained what happened that I had no idea you could not use XXXX 's routing number and account number to pay a bill. It's offered to you by XXXX, and that when I realized i rectified the situation immediately. In the middle of my mortgage they closed my account and deemed it at capital one 's request. This company has put a stain on my credit report and reputation because I tried to pay them out of XXXX. Note - I have NEVER paid late and almost always paid the entire balance before the due date. On my credit report before it says " accounts closed '' it says exceptional payment history. I do not want another card from capital one, but I want an apology and the stain removed from my credit and reputation. Luckily, after writing a letter to my underwriter, I was approved for the mortgage. But was recently turned down for a credit card and I know it's because of XXXX XXXX. Please help me.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (FL)

XX/XX/2023 XXXX XXXX XXXX Re : Ally Financial Acct Ending XXXX Ally Financial is reporting this account on my credit report when clearly it does not below to me, it belongs to XXXX XXXX XXXX. 

Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX Account XXXX Balance {$16000.00} Credit Bureau Account Status Charge-Off I, XXXX XXXX XXXX , am attaching a copy of the Bill Of Sale that clearly states in the Buyer/Co-Buyer Name and Address ( es ) that XXXX XXXX XXXX XXXX is the ONLY owner of this loan. Also, attached is the Retail Installment Sales Contract that clearly states in the Co-Buyer Name and Address lists N/A and NOT XXXX XXXX XXXX . XXXX XXXX XXXX XXXX is the ONLY name listed on any of the documents proving this loan does not belong to me ( XXXX XXXX XXXX ). 

I have contacted Ally Financial multiple times to have them remove this from my credit report with all 3 credit reporting bureaus and they have flat out refused to do so. I was also told by them that there was nothing I could do about this situation! 

Therefore, I am requesting that Ally Financial immediately remove this from all 3 credit reporting bureaus without success. I would like to thank you in advance for your cooperation in this matter and look forward to a positive outcome from the Consumer Financial Protection Bureau. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (CA)

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 XXXX data breach.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Medical-Commercial Audit Inc (MO)

I am not reliable for this debt with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I do not have a contract with these collection agency. They did not provide me with the original contract as requested. I demand this account be removed from my credit report.