vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
We are in the process of selling our home, buyers and I are doing an assumable mortgage in which the process started back in XXXX of 2024. Buyers and I have continually been trying to contact Flagstar bank trying to get dates on when we can expect to close on our loan assumption but no one is able to provide details upon request. 

First time we started contacting Flagstar trying to expedite the process was back in XXXX of 2024 to no avail. We have a 60 day escrow with our buyers and we have since gone passed our closing day scheduled for XX/XX/year>. The last Flagstar communicated to us was that the underwriter needed additional documentation from our buyers in which the buyers submitted on XX/XX/year> and the loan processor sent an email stating the underwriter should review the documentation within 48-72 hours. It is now XX/XX/year> and underwriting has not completed the task or updated us with closing information. 

I was originally supposed to report to work duty on XX/XX/year> but we have yet to close. This slow loan assumption process is also causing my family I a delay in the closing of our other home that is currently in escrow waiting on the close of this home. my family and I are currently in danger of losing our new home as well as having our rate lock expire I beg CFPB to step in and try to help remediate this issue as soon as possible as closing is delayed a week due to Flagstar 's assumption department and I need to report to work on XX/XX/year>. I need to close out the sell of this home by the end of the week or risk disciplinary action from my employer. I believe Flagastar has had a substantial amount of time to process our assumption and they have all of the documentation from the buyers that they need to process and give the clear to close on the loan assumption.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Please see UPDATED Identity Theft Report Filed with the FTC along with the Police Report, Evidence Received by XXXX XXXX Police Department and FBI XXXX XXXX stating that I am a victim of financial fraud in a federal division.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have requested an initial reinvestigation of the XXXX XXXX XXXX accounts listed above due to the furnishing inaccurate and incorrect information on my consumer report. Your company has been put on notice for furnishing incorrect and inaccurate information. I have sent you several requests asking your company to cease and desist on reporting inaccurate information on my consumer file. I have enclosed my previous letters showing you that the information you are reporting is indeed inaccurate. Reporting this inaccurate information has caused damage to my reputation, my character, and my general ability to obtain credit for myself or my family. Pursuant the law listed below, the reporting of inaccurate information is prohibited by law. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 - Compliance procedures ( 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. 

Accurate definitions The term accurate means free from error or defect ; consistent with a standard, rule, or model ; precise; exact. 
free from error especially as the result of care Accurate information, measurements, and statistics are correct to a very detailed level. 
free from mistakes or errors In conclusion your company has been put on notice that you are reporting inaccurate information. I have enclosed several documents showing that this information is inaccurate. The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. This is a final opportunity to CURE and DELETE this inaccurate account from my consumer report. Also failure to comply will be a violation of 15 U.S. Code 1681n Civil liability for willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I would like to bring to your attention a matter concerning the return of my leased vehicle to XXXX in XXXX. Upon returning the vehicle, I was informed that I would receive further communication from Ally regarding the next steps, but I only received limited information at that time. Subsequently, there was a significant delay in communication from Ally, prompting me to initiate a follow-up call to clarify my situation. 
During this period, my Ally account consistently indicated that the balance was " unavailable, '' and I did not receive any written statement of an outstanding payment. When I spoke with an Ally representative, I was informed of the balance over the phone and was offered a payment plan of {$50.00} per month. I also asked them to set up auto-payments which TWO different representatives said they would from there end since there were no options on my end AND no monthly payment option on the site although we agreed to one. 

Despite my efforts to maintain regular payments, I encountered inconsistent advice regarding the status of my account.I manually submitted once we agreed on the {$50.00} payment, as I was reassured by various representatives that this arrangement was acceptable. However, I was recently surprised to discover a negative impact on my credit report due to this account being referred to collections. 
When I reached out to Ally for clarification on this matter, I was informed that the $ 50 monthly payment was merely a courtesy and that I was expected to pay the full amount in a single payment. This information contradicts the prior guidance I received, and I was never notified of this requirement, nor did I receive any formal communication regarding the closure of my account or its referral to collections. I have not received any notices at my addresses, which adds to my confusion. 
I also requested any documentation from Ally substantiating their communications regarding my payment obligations but was informed that I needed to contact XXXX instead. Regrettably, my attempts to reach XXXX have been unproductive, as I have been disconnected multiple times during the calls. 
Given these ongoing discrepancies and the lack of clear communication, I would greatly appreciate your guidance on the next steps I should take to resolve this matter. It is imperative that I receive accurate information and written documentation concerning my account and any outstanding obligations. The conflicting responses from different representatives have made it challenging to navigate this situation. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
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.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Account Name : XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
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.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Account Name : XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
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.
State: FL

Complaint narrative:
Hi TransUnion, I just received a copy of my credit report today and I can not believe what I see. 
Someone stole my identity to open a fraud XXXX XXXX XXXX XXXX  without my knowledge. 
I was on the phone with a fraud team supervisor from the credit card company ant they told me that this fraud account shall be delete from my credit report because they no longer have it on they system. This fraud credit card was flagged by the fraud team and he said I have a right to delete this inaccurate fraud account from my credit report. 
I would like to exercise my right and have this fraud credit card delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Flat Branch Mortgage, Inc.
State: AR

Complaint narrative:
XX/XX/year> Flat Branch Mortgage Inc sent statement saying Mortgage increase. Their response was because insurance and taxes increased and I mustand have pay it through the mortgage. I asked for policies, laws, underwriter information pertaining to such matter. I stated my insurance and taxes do not have to be paid through my mortgage payments. That's my issue not the mortgage company. I was finally sent a waiver form for property taxes and told Insurance company I will pay my insurance my way and my taxes. Company ignored my requests. Mortgage company reported as late payments due to the increase of taxes and insurance. Took all escrow after I requested them to cease and decise such actions. To no avail... nowvI have been reported as 90 days late and facing foreclosure despite the fact I never missed regular payments of {$1100.00} monthly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
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.
State: IN

Complaint narrative:
In review of my credit profile I came across quite a few inquiries that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXX 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 to be removed/updated.

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. 

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
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: TOYOTA MOTOR CREDIT CORPORATION
State: VT

Complaint narrative:
Toyota Motor Credit Corporation - On XX/XX/year>, I visited XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX, to test-drive a vehicle I was interested in purchasing. During my visit, I engaged in a detailed discussion about taking advantage of Electric Vehicle Incentives that could potentially lower the cost of the vehicle. 

The dealership 's sales team admitted that they were not well-versed in the specifics of these Electric Vehicle Incentives. They indicated that they would need to consult with their accounting department to understand how to proceed. In the meantime, I left a check for {$500.00} to reserve the vehicle while awaiting further information. 

One week later, I received a call from the dealership. They confirmed that they would accept the Electric Vehicle Incentive funds, and at this time, they requested that I provide my paystub information to facilitate the purchase. I responded by letting them know that I was currently unemployed and, therefore, could not provide pay stubs. Instead, I informed them of my intention to withdraw funds from my XXXX ( XXXX  ) in order to buy the vehicle outright, which I believed would resolve the financing issue entirely. 

On XX/XX/XXXX, I returned to the dealership for the final transaction. I signed all the necessary paperwork and issued a check that covered the entire cost of the vehicle. 

However, on XX/XX/XXXX, I received an unexpected letter from Toyota Motor Credit Corporation. The letter stated that they had denied my loan request due to my failure to provide pay stubs. This news left me furious and bewildered, as I had repeatedly informed XXXX XXXX XXXX verbally and in written communicationthat I would not be financing the vehicle. 

As a result of this misunderstanding, my credit score has taken a hit from a loan application I had no idea had been initiated on my behalf. leaving me frustrated and stressed about my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Acct ending in XXXX with an acct balance of {$820.00} is paid off and closed still showing balance and negatively damaging my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Acct ending in XXXX with an acct balance of {$820.00} is paid off and closed still showing balance and negatively damaging my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Acct ending in XXXX with an acct balance of {$820.00} is paid off and closed still showing balance and negatively damaging my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
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.
State: MN

Complaint narrative:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My account is still showing closed when it is open and active as TRANSUNION is reporting the account incorrectly!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief