davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a certified letter to transunion over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,XXXX I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA XXXX all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 2 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NM)

My mortgage was sold from Rushmore to XXXX XXXX on XX/XX/2022. Rushmore sent my insurance payment of {$1200.00} to XXXX XXXX XXXX in XXXX of XXXX in a mass payment of {$220000.00}. I received a cancelation notice from XXXX XXXX for non-payment in XXXX of XXXX. The cancelation notice states, '' The amount due includes a {$1200.00} check was not honored by the bank. '' Rushmore never transferred the money to XXXX XXXX other than {$400.00} that was left in my escrow account. I have been trying for three months to get this fixed but I have been unsuccessful. Rushmore has lied to me, XXXX XXXX and XXXX XXXX about the {$1200.00}. I have spent 70 hours on the phone and I need your help! XXXX XXXX has increase my monthly mortgage payment by {$68.00} to cover a shortfall in the escrow.
Consumer complaint received 2024-03-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and DELETED for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received a copy of my credit report and found proof that XXXX XXXX XXXX is illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$510.00}. 
This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 
According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (IL)

Lexington law firm credit repair has been lying to me the last few months, They wrote me a email stating 14 Items was removed off my credit report. when I went to check it out. Not one account was removed. I contact Lexington Law firm 14 times alerting them of the issue. that they been giving false information about accounts that was removed from my credit report. I had to purchase 6 different credit reports just to prove to them it was never removed. Several customer services reps was unable to help me and one stated for me just to deal with it! Now for a 2nd time they send a email saying my XXXX  report has 8 removals and that's not True Nothing was ever removed. it looks like they cant help me and started to lie and put removed when nothing was removed. NOT one thing was removed and they lied to me Multiple times I'm extremely upset and wasted money.
Consumer complaint received 2024-03-14
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-03-14
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. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Sent letter to collection agency Resurgent Capitol Services to remove the alleged debt of {$860.00} from my transunion credit report. Letter was sent on XXXX XXXX. According to the FDCPA, i have the rights to request validation of the alleged debt and competent evidence that bears my signature and shows I have some contractual obligation to pay this company. They presented no viable evidence bearing my signature showing the account is being reported accurately. As per FTC opinion letter from Attorney General, XXXX XXXX XXXX, a printout of a bill or document does not constitute verification i received two printout pages from them without any viable evidence this is mind Any printer can produce fraudulent documents. Violation of Fair Debt Collection Practices Act ( including but not limited to section 807-8 ) and Violation of Fair Credit Reporting Act ( including but not limited to section 623-b )
Consumer complaint received 2021-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

XX/XX/2021 XXXX were notified by a credit monitoring application that Sequim Asset Solutions, LLC that a account with XXXX XXXX XXXX XXXX. I contacted Sequim and made contact with many associates inquiring about this account. After many attempts and the help I finally received the information and I now have the police report letting everyone know that I never opened an account in XXXX XXXX, Fl.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

After reviewing my Transunion credit report I was very concerned to realize that I had XXXX negative items listed that are both medical cebt from the same company XXXX XXXX with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ). This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from XXXX XXXX stating that I owe the debt nor have they legally validated the debt after several disputes with them as well as Transunion I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX. This is also validated through XXXX the original debtor which I am including in documents. I have disputed the validity of this debt with Transunion and XXXX XXXX multiple times. I do n't know how Transunion or XXXX would accurately or fairly verify the accuracy of this debt and still remain within HIPPA guidelines. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow Transunion the promptly remove these inaccuracies from my report All account posted to credit bureau on the same day. 
FMS XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WA)

A check was mailed to Barclay card on XX/XX/XXXX for XXXX to pay off the balance of the credit card. The check was received by Barclay and CASHED by Barclay on XX/XX/XXXX. The already cashed check has still not been credited to my credit card account as of XX/XX/XXXX. 
I have called four times and used the chat function once. Each time Ive been told they dont have a record of the check on my account and I need to wait a few more business days for the check to be credited to my account.

The billing cycle closed 11 days after Barclay cashed my check and I was charged interest in the money they have but have not credited my account with. The second billing cycle since my check has been cashed is about to close and Im still getting the run around every time I call.

I attached a photo of the cash check showing it was cashed on XX/XX/XXXX and the statement from Barclay card showing the payment not credited to my account dated XX/XX/XXXX.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (SC)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these account. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax and XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Unauthorized Inquiries still reporting in Equifax : XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 


Unauthorized Inquiries still reporting in XXXX : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to dispute the bankruptcy appearing on my credit report. It has come to my attention that this bankruptcy entry is inaccurate and unjustified. I demand its immediate deletion from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
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: Credence Resource Management, LLC (TX)

See Attached, ( if there is an Error on my download, Attachment ) These are the companies that I have no transactions with and have no binding contract with and are fraudulently reporting on my Social Security Number, ( SSN # ) without my written permission or instructions to do so. 

The Identified Transactions are Not information related to Any transaction by me as the consumer. 

They are violating my rights as the consumer and I request them to remove these false claims from my consumer report profile, and Cease and Desist Immediately. 

-Credence Resource Mana, ( Management ) LLC, XX/XX/XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX Operation ) XX/XX/XXXX XXXX XXXX XXXX, ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Report Number : XXXX
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2022, I contacted Citibank Shop Your Way credit card regarding the reward that was promised when I signed up for their offer : XXXX. 
A summary of Citibanks response ( Slide 1 ) is shown below : Offer : You can earn 10 % in a statement credit ( up to a total of {$90.00} ) on eligible online purchases which total {$700.00} or more each month from XX/XX/2022 ( or the date the offer is activated, Our record indicates that y0u activated the below offer on XX/XX/2022 Eligible purchases made prior to activation will not be eligible. 
Our record indicates that you did not qualify due to fail to meet spend hurdle. the total eligible spend was {$150.00} during the period of XX/XX/2022 06/30/2022.. 

In different communications on XXXX XXXX, I told Citibank that my total expenditures during the promotional period were above their minimum requirement. In fact, between XXXX.2022-XXXX.2022, I spent {$2300.00} ( Slides 2-4 ) well over the {$700.00} spend hurdle. 
I spent money in national grocery ( XXXX XXXX and pharmacy ( XXXX ) XXXX, fast food restaurants ( XXXX ) XXXX casual restaurants, doctors office, etc. and none of those transactions were considered. They only considered the purchase at XXXX.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, 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 Date Opened : XX/XX/XXXX Balance : {$2300.00}
Consumer complaint received 2022-09-02
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. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}