davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX & Account Number : XXXX Please remove it from my credit report. 
4. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2024-10-10
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. (RI)

My credit report contains misleading information governed by 15 USC 16c-2, which I believe is damaging my credit. The hard inquiries listed were not approved by me.
Consumer complaint received 2023-08-26
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: Experian Information Solutions Inc. (DC)

Experian refuses to remove two accounts of my credit per the collection rights and statue of limitations that is forseen underneath my credit report. For one of the collections, XXXX XXXX the collection agency is past the limitations of the right to collect data and as of the LAW it states that information reported should be removed that is innacurate or violates the terms of conditions in which the right it has to collect such debt. The collection was sold off to another consumer in which was not the right of the consumer to continue to allow such credit reporting to hinder my credit as such, three years In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Another item that is being reported on my credit is from XXXX XXXX XXXX XXXX this item is past the debt collectors rights to have this item reported on my credit and should be removed as such according to the statue of limitations and its law, The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (TN)

Today 's date is XX/XX/ I contacted credit karma under their chat response program and got a live agent on the phone. I had a question regarding a creditor that popped up under my Credit Karma account that I did not understand. The gentleman asked me to confirm And send photos of my drivers license and Social Security card after doing that I felt stupid and then I questioned him and asked him his name badge number or employee number and he refused to give it to me when I said I was going to report this and then I took snapshots of our conversation he ended the conversation. I have no idea who this person is that now has my information my personal Social Security number. There is no place on Credit Karma to file a complaint after the conversation a window popped up for me to file a star system rating the conversation which I did and then was it not allowed to process it through. There is no place on the Credit Karma app where you can file a complaint with their complaint department that is why I am writing to you the following is a snapshot of the conversation and the gentleman I spoke to I tried to upload the picture but it would not let me do that here. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2023 there were three unauthorized transactions from my accounts : 2 outgoing wires and one XXXX transaction. I have been told these transactions were done using my deceased wife 's login credentials. I tried to stop these transactions immediately after the first one but multiple mistakes by Wells Fargo allowed additional transactions. Through the dispute process they have reversed one wire and determined the XXXX transaction was fraud but will not refund the second wire in the amount of {$3900.00}. Given they agree that some is fraud I also want the {$3900.00} refunded. Thanks.
Consumer complaint received 2023-08-27
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. (IL)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute the accuracy and validity of an account that appears on my credit report. I believe that the credit reporting agency has failed to conduct a thorough investigation of my previous complaint and has neglected to rectify an error that directly impacts my financial well-being. 

Details of the Disputed Account : Account Name/Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Reported Balance : {$10000.00} In XX/XX/XXXX, I noticed a similar fraudulent account on my credit report and promptly notified the credit reporting agency . At that time, two accounts were erroneously reported under my name. The agency acted by removing one of those accounts but has neglected to remove the current account in dispute, even though both stemmed from the same error or fraudulent activity. 

The continued presence of this fraudulent account on my credit report has adversely impacted my creditworthiness, causing undue stress and potential financial repercussions. I have no knowledge of or responsibility for the aforementioned account, and I reiterate that this is a case of fraud or error.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Dear XXXX, I, XXXX XXXX, have written this letter to dispute two late payments that are falsely listed on my credit report with your bureau. 

Party Owed : XXXX XXXXXXXX XXXX Amount : {$0.00} Account : XXXX XX/XX/XXXX falsley marked as late payment. 
Party Owed : XXXX XXXXXXXX XXXXAmount : {$0.00} Account : XXXX XX/XX/XXXX falsley marked as late payment. 

I AM REQUESTING THE LATE PAYMENTS BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Consumer complaint received 2023-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

When I purchased my home at XXXX XXXX XXXX in XXXX XXXX XXXX Florida XXXX, I always made my payments on time. I never missed a payment. I have been with XXXX and XXXX XXXX XXXX XXXX. Now with Rushmore Loan Managment it seems they are always saying I missed a payment or after a payment has been paid, they raise my mortgage. On XX/XX/XXXX, XXXXRushmore claimed that I owe them two months past due, so I paid Rushmore with a cashier 's check in the amount of {$1000.00} and I do have the copy of the check. I paid this knowing I did not owe them anything, but talking to any representative is very hard. The mortgage started in the amount of {$520.00} due to a loan modification. In the year XXXX. Through then and now the mortgage has been changed seven times. I do not understand. why is this happening.? I am tax exempt being disabled and my home insurance is not high. My taxes are exempt. Every time I try to talk to a represented at Rushmore, they become very rude and will not listen, no matter who I talk to. Almost every month the amount owed changes, After I contacted the XXXX XXXX XXXX Rushmore sends me a letter on XXXX stating that they are reviewing my inquiry to the XXXX. This is not the first time Rushmore has reviewed. Now they are threatening to take my home away. I would love to know after 16 years of paying my mortgage where is the money, I should be owing XXXX the amount of purchase. Could you please help myself and my son and daughter. Thank you XXXX XXXX
Consumer complaint received 2023-07-25
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. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-08-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: TRUIST FINANCIAL CORPORATION (GA)

Back in XXXX, I entered into a lease agreement with a company that approached me claiming they had purchased my home at a foreclosure auction at the county courthouse. The confusing part is that I had been under the impression that my home was not going into foreclosure, as I was actively engaged in the loss mitigation process with the bank. 

When I realized that I might fall behind on payments, I proactively contacted the bank seeking assistance. Unfortunately, they were not able to provide the help I needed at the time. It wasn't until I received a letter from an attorney, attempting to collect a debt, that I was given a contact number to seek further assistance. Without wasting any time, I reached out to the advised company and initiated the necessary processes. 

What makes this situation even more peculiar is that the company initially approached me to buy the home, but I declined their offer. However, a few months later, they came back and informed me that they had indeed purchased my home. Feeling somewhat cornered, they offered me the ultimatum of either renting the property or facing eviction. Given the circumstances, I reluctantly accepted the rental option. Upon agreeing to rent the company offered a 2 year buy back option, after I approached in 2 years they told me they never said anything about a buy back option. I told them they did say it. They denied, however the rep said ( which is the same rep that told me this initially ) I was told these files were housed in a storage that will take a long time to go Through and permission was needed, Permission was declined. 

Now, the issue lies in the fact that both the bank and the purchaser are aware that I am still actively fighting against this situation. It has come to my attention that they have resorted to some illegal self-help eviction tactics, which is causing additional stress and confusion. 

I am reaching out to you today because I truly value your opinion and would greatly appreciate any advice or assistance you can offer. Perhaps you know someone who has dealt with a similar situation or can recommend a reliable resource that can guide me through this complex ordeal. 

Thank you so much for taking the time to read my email and for being there for me during this challenging time. Your support means the world to me, and I am grateful to have you in my life. 

Wishing you all the best and looking forward to hearing from you soon. 

Warmest regards
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute the accuracy and validity of an account that appears on my credit report. I believe that the credit reporting agency has failed to conduct a thorough investigation of my previous complaint and has neglected to rectify an error that directly impacts my financial well-being. 

Details of the Disputed Account : Account Name/Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$10000.00} In XX/XX/XXXX, I noticed a similar fraudulent account on my credit report and promptly notified the credit reporting agency . At that time, two accounts were erroneously reported under my name. The agency acted by removing one of those accounts but has neglected to remove the current account in dispute, even though both stemmed from the same error or fraudulent activity.

The continued presence of this fraudulent account on my credit report has adversely impacted my creditworthiness, causing undue stress and potential financial repercussions. I have no knowledge of or responsibility for the aforementioned account, and I reiterate that this is a case of fraud or error.
Consumer complaint received 2023-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Data, Inc. (WI)

I noticed that this account its in my credit report, I try to dispute with XXXX, when I deputed it came back as verified. They didnt provide any of the following. 

1.I need the audit trial of the balance.

2. Also I need them to provide me with the agreement that grants them to collect this allege debt.

3Also provide with the master bill of sale
Consumer complaint received 2023-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

This letter is a formal complaint. You are reporting inaccurate and incomplete credit information, according to the Fair Credit Reporting Act 609a ( 1 ) a ; you are required by Federal Law to verify threw physical verification of the Original sign CONTRACT between me and NCA. Any and all accounts you post on a credit report, otherwise any one paying you for debt is probably fraudulent. I demand to See a Verified Proof. If you fail to Validate. I also filed complaint with Federal Trade Commission Again this is my correct information, here below. When you system is UPDATED send me an copy of it also with the proof of physical verification.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and Nevada Credit Reporting Act ( NCRA ) by reporting inaccurate information about my credit report. I have attached my credit report with the information highlighted, as well as a copy of the letter I received from XXXX XXXX. 

The inaccurate information that XXXX XXXX is reporting includes : The last verified date, date of last activity, date reported, date opened, creditor remarks, last payment, term length, and payment history. 
The attached letter directly from XXXX XXXX to the XXXX and myself also contains discrepancies. XXXX XXXX stated in the letter that " According to OneMain records, on XX/XX/2022, XXXX XXXX and XXXX XXXX entered into the enclosed loan agreement. '' However, the attached loan agreement is dated XX/XX/2022. 
Also, on my credit report, XXXX reports that the account was opened on XX/XX/2022, but Experian and XXXX report that the account was opened on XX/XX/2022. How could the account be opened before I signed the contact? 
XXXX XXXX also stated in their letter that " XXXX has confirmed that the XXXX account information sent to the credit reporting agencies reflects XXXX XXXX XXXX account. '' If thats the case, that means the creditors are reporting inaccurately. 
XXXX XXXX 's inaccurate reporting of my credit information is a violation of the FCRA, which requires creditors to report accurate and timely information to the credit bureaus. 

XXXX XXXX 's inaccurate reporting is also a violation of the NCRA, which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's inaccurate reporting, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 

XXXX XXXX has denied my request to correct the inaccurate information. 

I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report ASAP.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 2023-08-26
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)

I have ask transunion to verify a debt that reporting on my credit report from the company known as XXXX XXXX XXXX account # XXXX I have ask the company to provide me with original purchase agreement with my wet signature and all documents and sign notary stating that they legally can collect a debt from me, and arbitration clause that we both sign this is a violation of my consumer rights of having my private information without my consent multiple violations fcra and fdcpa15 usc1692 usc 15 1681b under fdcpa 807 fdcpa 8012