davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
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: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-15
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. (TN)

I have reviewed my credit report and noticed incorrect information 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. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. (FL)

Dear Sir/Ma'am, My name is XXXX XXXX XXXX XXXX I have a XXXX incorporated in XXXX, USA. Company name is XXXX XXXX. 

I have been using XXXX XXXX  ( XXXX XXXX XXXX ) from a few years, a few weeks back XXXX requested some documents and proofs from me for which I provided. 

As per them I was not using my account as per their compliance, which I do not challenge if it was right or wrong, but when they closed my account I had approximately XXXX $ balance in it. 

I have been trying to recover my funds, I have emailed them several times and requested how can I recover my funds which were locked in my account but they do not reply, neither they have any call support. I have been trying to recover my funds from a long time as this is effecting my day to day business expenses. 

I would be grateful if you can please file a formal complaint for mercury so I can recover my funds. 

Here are the bank details ; Beneficiary Name : XXXX XXXX Account Number : XXXX Type of Account : Checking Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Receiving Bank Details Wire/ACH Routing Number : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX My email address on mercury was XXXX. 

Thank you. 

Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Central Mortgage Funding, LLC (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Harrasing phone calls about loans that we never asked them about. Insisting we verify our information with them that we never gave them. After asking repeatedly to not call and remove from their call list XXXX XXXX insistently kept asking for more information.
Consumer complaint received 2023-05-01
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. (PA)

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 USC1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 C- ( 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 7 years.

15 U.S.C 1681 S-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 2024-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unified Global Solutions LLC (MS)

Unified Global Solutions, LLC XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, sent me an email stating that an account is past due and pending legal possible legal action which may include wage garnishment, through your employer or judgement against you. This may also affect your credit report as negative inquiry. 
I sent an email back to Unified Global Solutions requesting the following information : : Copy of the original contract with signature : Copy of the payment history with original creditor. This is a requirement of which has been established by XXXX v XXXX, XXXX XXXXXXXX XXXX XXXX XXXX App XXXX  XXXX : Please provide verification by line item ( with explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc ) for the entire amount you say I owe obtained from the original creditor. 
: The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any many that you claim I owe. 
: Proof of photo identification ( Driver License, state id, or any other government issued identification card ) that was presented to you at the time of the alleged debt that you say that I owe. 
: Name and address of the original creditor : Proof of collection/debt authorization and assignment. 

Unified Global Soutions response was our office was in compliance and refused to send information. I have all the emails that was sent.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've handed along something that needs to be removed or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My attorney has been informed of my objectives and is willing to think that Credit Bureaus are to blame for their stubborn rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance XXXX {$240.00} ; XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-22
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. (CT)

I am writing to dispute the validity of an account that has been reported on my credit report. The account in question is a charged-off account that has been reported by ( Experian/XXXX ) account number is XXXX I am disputing this account based on violations of the Metro 2 credit reporting guidelines. According to these guidelines, a charged-off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report.I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (GA)

Please cease and desist all inaccurate reported information on closed account with external  finance there are several payments that are reported as bring late with no provided proof of said late payments which are violations of fcra section 609 account had been paid in full and there were no Payments ever made late this violates 15 usc 1681c2
Consumer complaint received 2024-01-22
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. (PA)

I am writing to formally dispute certain hard inquiries that have appeared on my credit report. I recently obtained a copy of my credit report from your agency and was alarmed to discover the presence of these unauthorized inquiries. Please see letters for the inquiries that I am referring to.
Consumer complaint received 2024-06-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC (PA)

The VACP program started XX/XX/XXXX. My lender was supposed to get me applied for it. I havent heard back but I need this to keep my house
Consumer complaint received 2023-05-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

Gentleman, In response to Wells Fargo 's XX/XX/XXXX, response to complaint number XXXX. 

I am attaching further corroboration documentation substantiating that Wells Fargo is Explicitly, Unquestionably and Undeniably the appropriate company at issue. 

Wells Fargo continues to avoid responding to this serious matter. 

Wells Fargo denied that it is the appropriate company to this complaint on XX/XX/XXXX and yet again on XX/XX/XXXX. 

In its most recent response on XX/XX/XXXX Wells Fargo again avoids responding to this complaint stating that it has received correspondence through the CFPB pertaining to the servicing of a mortgage. 

This complaint is pertaining to WELLS FARGO. 

WELLS FARGO initiated foreclosure proceedings against me back on XX/XX/XXXX claiming to be Holder in Due Course and Owner of the Note and Mortgage at issue. 

As evidenced in the attached, The XXXX XXXX found that Wells Fargo failed to prove ownership of the Note and Mortgage at issue. 

XXXXXXXX XXXX  and XXXX XXXX  have both collaborated in this Wrongful Foreclosure action against me as mentioned in my previous complaints by submitting False, Forged, Fraudulent and Fabricated Affidavits of Amounts Owed and a Corrective Assignment of Mortgage. As evidenced in the XXXX XXXX XXXX, the affidavits are invalid. 

I am attaching the Pooling and Servicing Agreement which makes it abundantly clear on page 33 of the Prospectus that the Trustee " MAY NOT '' be able to Enforce the Mortgage Note. 

This is corroboration documentation substantiating the fact that WELLS FARGO has Wrongfully pursued Foreclose against my property. 

I have requested that Wells Fargo include me in the XX/XX/XXXX consent judgement and I am asking the CFPB order WELLS FARGO to comply. 

I have also requested Wells Fargo to Rescind the Instrument and execute a Quiet Title. 

I appreciate your assistance in this matter. 

Kindest Regards, XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I saw the negative action was put back on my report after previously disputing it months ago. I got in contact with the company to advise them I have no knowledge of this account and would like it removed off my credit report. I asked for proof and documentation of where this alleged debt came from for which they were unable to provide.
Consumer complaint received 2023-12-22
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : XXXX XXXX  XXXX
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (LA)

In XXXX of this year I scheduled a payment with an external account. When I realized that I may have an issue with the external account covering the payment. I called to make the payment. I was told that everything was fine. And they I did not have to pay it again. Eventually I was charged the fee that I was misinformed about. NFCU has refused my request to listen to the recorded call. I was once sent a link to dispute the charge Now I am being told that it can't be disputed after I was sent a link to do. The representative do not directly respond to my questions. As if I can not inquire about my account and money when I was misinformed. Leaving me no other alternative but to file complaints.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Why is it that, despite my diligent efforts to bring these inaccuracies to your attention, your bureau continues to report the same late payments, casting a shadow over my creditworthiness? 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 am left questioning the sincerity of your commitment to aiding consumers in maintaining accurate credit profiles. The fact that the inaccurate late payments persist suggests either a monumental failure in your investigative processes or a deliberate negligence that borders on betrayal. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter, along with a detailed explanation of the steps your bureau is taking to rectify these inaccuracies. It is inconceivable to me that a credit reporting agency of your stature can not fulfill its fundamental duty of ensuring the accuracy of the information it disseminates. I insist that you act promptly to remove the inaccuracies from my credit report and provide me with a written confirmation of the corrections made.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

A company I contracted with was supposed to provide a service. They did not provide the service as indicated. Had to hire another company to do the same and received zero value from first company. Should have been covered under purchase protection/dispute per the contract and even their marketing. They did not uphold their end. I then reached out to try and figure out what was going on. No one contacted me back when i requested a contact back. Then i submitted to their preferred way of contacting them instead of submitting a formal complaint and have been ignored. Was really shocked as I have used this card for years and I'm sure have made them a decent amount of money ( more than the dispute ) and they can't even send me a response. Though, it is in direct violation of their marketing/promises and contract terms for card use. Really disappointed. Ended up freezing my account and disposing of their card.
Consumer complaint received 2024-04-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute an account on my credit report that I believe is unauthorized or unknown to me. I request that this account be removed from my credit report immediately. Account Information : Creditor Name : Account Number : Date Opened : Description of the Issue : I have no knowledge of this account and believe it may be the result of identity theft or a reporting error. I have not authorized anyone to open or use this account on my behalf. Enclosed with this letter are copies of documents that support my claim, including [ list any supporting documents, such as identity theft reports or correspondence with the creditor ]. I request that you investigate this matter and remove the account from my credit report as soon as possible. Please send me a written confirmation once the investigation is complete and the account has been removed. Thank you for your prompt attention to this matter. 

Transunion - XXXX XXXX # XXXX Sincerely, XXXX XXXX