davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to express my extreme frustration and concern regarding the presence of fraudulent accounts on my credit report under your bureau. It has come to my attention that despite being aware of the fraudulent nature of these accounts, they persist on your records, tarnishing my financial integrity and causing undue distress. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are not only inaccurate but also a blatant violation of my financial security. I find it both bewildering and infuriating that your bureau has not taken immediate and aggressive action to rectify this egregious error, especially when other credit bureaus have already acknowledged and removed these fraudulent entries. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand, without further delay, the immediate and aggressive deletion of these fraudulent accounts from my credit report. This is not a mere request ; it is a demand for the protection of my financial reputation and well-being. 

I am appalled by the lack of urgency displayed by your organization in addressing such a serious matter. The persistence of these fraudulent accounts reflects not only on your bureau 's incompetence but also on a blatant disregard for consumer rights and the potential long-term consequences for my financial standing. 

I have attached supporting documentation, including evidence of the fraudulent nature of these accounts, for your immediate review. I expect a thorough and swift investigation, leading to the removal of these fraudulent entries from my credit report. 

I demand a comprehensive written response within 15 business days outlining the actions your bureau will take to rectify this situation. Failure to comply with this demand will leave me with no choice but to escalate this matter through legal channels and file formal complaints with the appropriate regulatory bodies. 
The severity of this situation can not be overstated, and I trust that you will treat it with the urgency and seriousness it demands.
Consumer complaint received 2024-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (MI)

On XX/XX/XXXX I got an alert on my consumer report about an account that I didn't recognize. I am unaware of this debt or having a business relationship with this company. I have never received any notification that I owe you this debt and putting it on my credit report without me having the opportunity to correct it is illegal. If you think you did send me proper notification, please provide the certified receipt with my signature showing I was aware of this debt?
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

A payment of XXXX was made on XX/XX/year> to settle the Wells Fargo credit card account ending in XXXX. 

The settlement agreement states that after the payment was made, the creditor would be legally bound to report the account as " settled for a lesser amount '' and reflect a XXXX balance. 

According to the credit account being report on all three bureaus, the account is reflecting as closed with a balance of {$1000.00}.
Consumer complaint received 2024-11-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NV)

During Month of XX/XX/year>, work slowed down so I filed for a forbearance to save both my house and my credit. Asked the associate if this would affect my credit and was told no. Forbearance didnt go through until the month of XXXX. Credit was dinged for it. Forbearance was good till XXXX. Called them in the beginning of XXXX to lift forbearance and find out what to do with the missing payments for XXXX through XXXX. Went ahead and had a partial claim established. Was told to not make payments until it is finalized. So I didnt make a payment for XXXX, then they decided to ding my credit again. So I decided to resume payments. Paid for the month of XXXX, they took the money out of my account but it didnt register on their end until after it was due and dinged my credit again. The house has been sold and Im desperately trying to get into a new home. No lenders will approve me with this on my report. Mortgage payments were {$1400.00}
Consumer complaint received 2023-12-28
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)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or resolve the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I trust this letter finds you well. I am writing to express my continued frustration and disappointment with the persistent presence of fraudulent items on my credit report, despite multiple attempts on my part to rectify this situation. I have submitted multiple disputes, provided supporting documentation, and taken all necessary steps to address the fraudulent activities affecting my credit history. 

The fraudulent items in question have been a source of considerable distress and financial hardship. Despite my diligent efforts to follow your established dispute resolution process, I have not seen a satisfactory resolution to this matter. I have enclosed copies of my previous dispute letters, supporting documentation, and any relevant correspondence for your reference. 

I understand the importance of thorough investigations in cases of identity theft or fraud, and I appreciate the complexities involved. However, the prolonged existence of these fraudulent items on my credit report is adversely impacting my ability to secure credit, obtain favorable interest rates, and maintain financial stability. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have a right to accurate and fair credit reporting. I urge you to conduct a comprehensive review of my case, expedite the investigation process, and take immediate action to remove the fraudulent items from my credit report. 

I kindly request regular updates on the progress of the investigation and prompt resolution of this matter. I am asking for your assistance to remove these fraudulent items in my credit file : 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 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/ I opened an account and an adv safe balance banking I received notices in the mail XXXX did not really help me but she did tell me some XXXX about how I could not get my other account access. And this been entered into collects. So it's potentially a XXXX dollar loss. I see that banking is not important to people but I was with bank of america til I got attacked. I guess I'll notify dhs. Homeland security.
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I graduated from my  XXXX  program back in XX/XX/XXXX and was preparing to pay back my loans via XXXX. All of my loans transferred over to Mohela as I applied for the PSLF program. Prior to XX/XX/XXXX, my loans still had not transferred. On this date, I got an email from Mohela, which also showed up on my Mohela account, that my repayment of {$210.00} is due on XX/XX/XXXX. They provided a 3 day notice for my first payment toward my loans. Furthermore, my application for the SAVE program was not looked at, I applied for this back in XXXX. So now, my loans were under 4 different repayment programs, as per the Mohela rep I spoke with on XX/XX/XXXX. I then had to reapply for the SAVE repayment program, despite already applying in XXXX, and somehow that application was not processed. 
It appears that loan servicers are required by law to provide at least 21 day notice for loan repayment. I received only 3 days. I did make the payment on XX/XX/XXXX, which was on time, though when I spoke to a rep on XX/XX/XXXX, she stated my account was in delinquent status because my payment was not yet processed, despite me having confirmation via email and on my Mohela account that I made the payment by the due date. 

See attached documents for proof of receipt, billing date was XX/XX/XXXX, and due date XX/XX/XXXX.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

I demand this be updated to paid as agreed on all 3 credit reporting agency
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To my dismay, it has been well beyond the allowed timeframe of 60 days, and I have yet to receive any meaningful information regarding the status of the investigation. I submitted a dispute regarding fraudulent accounts on my credit report, clearly indicating that I am a victim of identity theft. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are obligated to investigate such matters and provide resolution within a reasonable timeframe, not exceeding 30 days, with a potential extension of 15 days under certain circumstances. The lack of communication and transparency from your bureau is not only unprofessional but also in violation of the regulations set forth by the FCRA. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I demand an immediate and thorough review of my case, along with the removal of the fraud accounts from my credit report or, at the very least, a suspension of their reporting until this matter is adequately resolved. It is evident that these disputed accounts are a result of identity theft, as your bureau has failed to verify their validity within the stipulated timeframe. 
XXXX XXXX XXXX -PLEASE DELETE!!! 
XXXX XXXX XXXXPLEASE DELETE!!! 
I have diligently provided all necessary documentation to support my claim of identity theft, yet there has been no evidence of the bureau 's effort to verify the validity of the fraud. This lack of action is not only unacceptable but also indicative of a serious lapse in your bureau 's responsibility to protect consumers from the damaging effects of identity theft.
Consumer complaint received 2023-12-28
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. (AZ)

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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-12-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO. (NY)

I hope this letter finds you well. I am writing to you regarding my account with your institution, specifically account number FORD MOTOR CREDIT COMP XXXX, which has experienced late payments due to unforeseen circumstances. I want to express my sincere commitment to fulfilling my financial obligations and maintaining a positive relationship with your institution. I understand the importance of meeting financial responsibilities and maintaining a good credit history. In light of the circumstances surrounding the late payments on my account, I kindly request your consideration for a goodwill adjustment. I appreciate your time and attention to this matter. Your understanding and assistance during this difficult time would mean a great deal to me.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Caliber Home Loans, Inc. (NJ)

I hope this letter finds you well. I am writing to address and request your assistance in resolving a matter related to late payments that have been reported on my credit account under your bureau. 

Upon reviewing my credit report, I have noticed that there are late payments recorded on my account, which is a cause for concern. I understand the importance of accurate and up-to-date information on credit reports, and I am committed to maintaining a positive credit history. 

CALIBER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CALIBER customer service representative. XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I kindly request that you investigate this matter and, if appropriate, correct or remove the late payments from my credit report. I believe that rectifying this issue will more accurately represent my creditworthiness and financial responsibility. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

Thank you for your prompt attention to this request.
Consumer complaint received 2023-12-28
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. (NM)

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 2023-12-28
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. (VA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 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} ;
Consumer complaint received 2023-12-28
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)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-28
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CrossCountry Mortgage LLC (OH)

The company of Cross Country Mortgage has tried to side step all complaints I have made by stating " it is not their responsibility to find me financial assistance. '' They also proport that he has no duty to obtain me additional 3rd party funding. I agree. It is not their obligation. 

The crux of my agreement is not that he was supposed to find me assistance. My argument is that my medical deductions should have been considered for " adjusted income. '' He has every responsibility to determine my appropriate income for the loan. That is what origination fees are for. 

When I applied for a USDA Guaranteed Loan with XXXX XXXX, he took no effort to calculate adjusted income according to USDA loan procedure and policy. 

This not only was completely dismissed, it classifies as disability discrimination because it was deductible medical expenses that XXXX XXXX refused to consider and calculate. 

I was denied that USDA loan for reasons undisclosed to me. 

The crux of my agreement is not that it is Cross County Mortgages responsibility to find me assistance. It is their obligation as the originator to determine income. Adjusted income is included in the income verification process. They refused to do so. 

I can only assume he has intention to do so because of the following : 1. Dismissing my adjusted income would qualify me for a higher loan. 
2. If i get a high loan he gets a higher kickback. 
3. The mortgage industry is at its worst in decades. 
4. The more effort he has to put into " origination '' the lower his rate of pay is. 

He has every incentive to deny my medical expenses.
Consumer complaint received 2024-11-21
Product: Credit card — Store credit 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: CITIBANK, N.A. (CA)

I purchase the entire flooring materials and installation from Home Depot in XXXX XXXX on XX/XX/year> and in XXXX they came in and installed the flooring and on the last day of the job the installer stole over 10 boxes of brand new materials and left a biggest mess in my house and most importantly forged my signature on the Certificate of Completion on XX/XX/year>. 
I contacted the homedepot customer service first and they told me that since the signature is forged you need to dispute the entire amount and I filed the dispute for {$8100.00} and then they cancelled my dispute and the reason was that I agreed to the charge and they sent me another Certificate of Completion with the forged signature. I called them back and refiled another dispute and this time I sent them the form with their fraudulent signature on it and again today after 2 months XX/XX/year> they canceled the dispute and they said this is ok that they signed as my behalf and I am still responsible for this charge, even though the installer stole over {$1000.00} of the flooring materials and Homedepot received another {$800.00} of the flooring materials and they haven't refunded me on that either. 
homedepot came in to instepect the job after and they determinded that the job needed to be redone entirely too and yet they have done that. 
they damaged my house and left a huge mess in there too.