davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

Please See Attached Letter to Carrington Mortgage Services ( CMS ) and attachments. Basically, CMS offered me a permanent Loan Modification. However, there were several issues in the CMS Trial Period Plan ( TPP ) that are unfair, on its face. CMS incorrectly over stated my income. CMS valuation on the property value of my home is too high. The CMS Trial Period Plan highly favors CMSs position while giving little power to me, as homeowner. Importantly, CMS does not reveal any of the Loan Modification 's contract terms before payment of the TPP is completed ( I don't know what I'm getting into ahead of time ) .How can I make an informed decision here?
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (RI)

I was recently made aware that my social security number was stolen and I wanted to check my credit report to ensure that no one has opened accounts in my name. I went to the websites of the three credit reporting agencies to check my credit report on XXXX XXXX. XXXX  and XXXX  were accessed with no issues. Experian has been quite frustrating. When I login to their site to request my free annual credit report I encounter an error. I have contacted the company on at least three occasions to remedy this situation with no luck. The phone center is a bit of a joke since it pretty much sends you in a circle. The website says call the number on the screen. When you call the number and choose the " membership '' issue it directs you back to the website and the circle starts again. I also tried the website for the free reports ( annualcreditreport.com ) and could not access the Experian report. I am writing this on XX/XX/2021 and still no resolution to the issue. The company indicated that their website has issues verifying my identity, but it never gets resolved. They keep on sending me emails to just log in to their site. I appreciate your help with this issue. Thanks
Consumer complaint received 2021-07-19
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. (NJ)

Good morning, I am inquiring on the remaining negative account which are currently impacting the overall state of health of my credit. i is not fair to me that after several attempts at trying to correct the information with the credit bureaus, they have failed me once again. I am not going to hesitate on taking legal action if they do not wash out the negative, inaccurate and incomplete information off of my credit reports. What is the delay in response??? Why hasn't XXXX XXXX, nor Transunion resolved the issue with the accounts? the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX collection accounts are still accurately and falsely reporting. The credit bureaus were able to remove all of the other history on my credit report, except for those two accounts. Please help me resolve this issue, I'd greatly appreciate it.
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III (GA)

Allied Collection Services has committed multiple FCRA and FDCPA violations by reporting an alleged, invalidated debt on my XXXX consumer report dated as of XX/XX/2021. I have sent documentation showing proof of this inaccurate account that they have listed along with proof of Allied Collection Services violations via regular mail and via electronically.

Allied Collection Services was already in violation specifically of 15 USC 1692, 15 USC 1681, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information to XXXX.
Consumer complaint received 2021-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NE)

Fedloan has consistently been inaccurate about my student loans/XXXX and XXXX  since XXXX. They seem to have ignored the fact that I have been working for the State of Nebraska government since XXXX and have never left. They didn't qualify my employment for numerous years since I graduate in XXXX. They have also been incredibly inconsistent with payments amounts when my salary has rarely changed more than a few dollars an hour over these years. All of XXXX appears to be labeled as a not certified employer, XXXX shows only a few payments when I paid every month. XXXX seems to be missing entirely from their record of my payments. XXXX only shows half of the year. XXXX and XXXX is shockingly all accounted for BUT not all the months show up as qualifying payments that go for my XXXX. They even try to say that I had multiple years on forbearance and this is simply not true. Now they are showing AGAIN that my employer is not certified yet, I sent in the form in XXXX and they still haven't gotten back to me on that and it's almost XXXX. I truly feel that with my payments and being enrolled in the XXXX since XXXX, I should almost be done with the program yet they have my account listed as having only 38 payments!!! that is completely absurd and U truly feel as though I'm being ripped off and being stolen from and taken advantage of. Now with XXXX approaching and still not hearing anything from them after repeated attempts to contact them about my account, I feel I have had enough and that it's time to have the authorities look into this situation. I have a huge amount of student debt that just gets higher every single year. I'll never be able to pay it off or retire if they are allowed to continue this type of predatory business practice with me and my account. Please help me with this.
Consumer complaint received 2021-07-19
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. (NC)

I have sent certified letters to each bureau and have not received the proper response. The items on my report do not belong to me and i have requested that they be verified with each bureau. 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 2021-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/ I sent Experian, XXXX, and XXXX  a letter stating that I wanted the detrimental accounts listed on my credit report reinvestigated. They received these letters on or about XX/XX/2021. XXXX  responded well within the allotted time. Experian  and XXXX  however did not ... even as type up this complaint on XX/XX/2021 at XXXXXXXX XXXX 60 days later they still have not responded. On XX/XX/ 49 days after my initial letter I sent them another letter saying they had completely taken the allotted time as outlined in the FCRA and to delete the accounts I asked to be reinvestigated. Experian received my letter on XX/XX/ at XXXX XXXX. As of XXXXXXXX XXXX XXXX at XXXX XXXX  XXXX  still has not received my letter. I know this because I sent them certified. And I will provide photos of all this as well. At first I was not going to file this complaint because i said to myself, " I know they deal with a lot of paperwork and a lot of disputes so I'm going to give them the benefit of the doubt. '' But as I thought on it more as
d as more time went by I came to the conclusion that there is no excuse for this that even 60 days later they have not said nothing to me at all. They have rules and guidelines to follow just like anyone else. XXXX followed them so these two bureaus should as well.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (FL)

I did not consent, benefit from nor authorize any of the following accounts/Inquiries : Accounts : XXXXXXXX XXXX XXXX- Account # XXXX Date Opened- XXXX XXXX, XXXX Amount- {$2800.00} XXXX XXXX XXXX- Account # XXXX Date Opened- XX/XX/XXXX, XXXX Amount {$500.00} Inquiries : 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 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Mortgage Investment Partners Fund I Trust (MD)

Good evening. 



I am requesting your assistance or guidance. This is my situation : There were two mortgages on my home in XXXX, MD. : XXXX XXXX XXXX , XXXX and XXXX  XXXX XXXX. The funds from the foreclosure sale ( which took place in the fall of XXXX ) were not disbursed appropriately, everything went to the first mortgage lienholder in XXXX of XXXX. Prior to foreclosure, the appropriate paperwork was completed by myself and provided to XXXX ( who forwarded it to American Mortgage ) once I had advised them that I could no longer afford to pay the monthly mortgage. I was requested on numerous occasions by XXXX and XXXX XXXX  to complete Deed-In-Lieu-Of paperwork for both mortgages, and also provide proof of my loan and the balance due to XXXX  XXXX XXXX, which I did. 

My employer periodically pulls my credit report due to the fact that I have a government security clearance. I was advised by my employer that XXXX  XXXX XXXX is on my credit report as a charge-off in the amount of {$83000.00}. We can not have negative items on our credit report. I reached out to XXXX XXXX XXXX explaining to them my home was sold, and requesting clarification on the negative item on my credit report. They advised me that they in fact did not receive any money from the sale of the home. They advised me that the sale of the home should have not taken place without addressing the XXXX  XXXX XXXX lien, that this is a title issue and the short sale should have not closed without providing XXXX XXXX XXXX with funds to release the debt and lien, and the title company that handled the transaction would have insured the property is free of liens upon a successful closing. 

The first mortgage was sold to XXXX XXXX XXXX on XX/XX/XXXX. This week I reached out to American Mortgage Investment Partners XXXX XXXX. in reference to the sale of the home and why none of the monies were paid to XXXX  XXXX XXXX. In XXXX, American Mortgage told me that they were the note/mortgage holders and that XXXX XXXX XXXX was the servicer on my loan, and that XXXX had always serviced my loan since American Mortgage took ownership. During the week of XX/XX/XXXX, I sent an e-mail to American Mortgage, and I was advised the following by Mr. XXXX : " The property was sold third party via foreclosure sale, which the junior lien is not satisfied, the foreclosure simply wipes all liens off title. If the property went through a traditional closing, and the junior lien was paid off, then a satisfaction would have been issued. '' Is the statement about disbursing funds in fact true, and that XXXX XXXX XXXX shouldn't have been paid anything? Is it true that a house can be sold in a foreclosure proceeding without a clear title, without in fact releasing the lien and debt. Does this actually mean that I am stuck with a debt of {$83000.00}? 

Thanks in advance for your assistance and any guidance you can provide to me with this situation.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, 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. (NY)

I noticed 2 unauthorized inquiries in my transunion report on XX/XX/2021 from XXXX XXXX. Please delete as I did not authorize or consent.
Consumer complaint received 2021-07-19
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: Experian Information Solutions Inc. (NC)

I have sent certified letters to each bureau and have not received the proper response. The items on my report do not belong to me and i have requested that they be verified with each bureau. 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 2021-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

Closed account with XXXX the end of XXXX bill paid in full, I dont owe XXXX. Never received a bill account closed before next billing cycle began. Its a scam, Idenity theft.. Received notice from collections today, I dont owe this bill I pay all my debts. Look at my credit I owe nothing.
Consumer complaint received 2022-08-21
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. (SC)

Account Name : XXXX BANK AND XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX BANK AND XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2022-06-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

YOUR COMPLAINT I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found some inaccurate reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : XXXX - account number : XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (MA)

I received a phone call today ( XX/XX/XXXX ) attempting collect a debt that I do not believe is mine. The creditor could not give me any information about the debt with the exception of the original bank name, and amount due. They gave me access to log into my online account. There was very little information in the online account ; however, I called back once I discovered the first name on the account was wrong and the address was 15 years old. The account is not on my credit report. I have never received any information regarding the debt and have no knowledge of an account being opened in XXXX, as I had a federal saving account in XXXX and am being told this is originally a XXXXXXXX XXXX account. When I called back I was told I could dispute it with the company, but it would likely be sold to another debt collector who would attempt to collect this debt. This is past the statute of limitations for XXXX XXXX where they say the debt is coming from, and the statute of limitations in the state where I live, XXXX I had my identity stolen in XXXX of XXXX and they are stating this account is from XX/XX/XXXX but have given me no information with the exception of a log in to pay the debt amount. I believe this company was deceptively trying to get me to reactivate an old debt that does not even belong to me. The attached file is the only communication I have ever received regarding this debt.
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (AZ)

Both myself and my insurance company have sent the billing and proof of insurance to the loan servicer. They have confirmed receiving it. They have not paid it for 3 months. I have made several calls to them and no one has any answers on why it has not been paid ; yet they still do not pay it.
Consumer complaint received 2021-07-19
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. (GA)

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX
Consumer complaint received 2021-07-18
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (LA)

Lvnv funding is saying they have bought an account from XXXX  XXXX XXXX  that is a charge off account but I have an open account with them that Im currently using. This fraudulent Ive attached my current statement to prove what Im saying to be factual. Also Im waiting for a signed contract showing me and lvnv funding have Busienss, according to the frca they must provide it or delete.
Consumer complaint received 2021-08-19
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. (NJ)

i have a fraudulent account being reported on my credit report i dont know what else to do i was advice to file an ftc report so i did that please help me removing this fraudulent account from my credit report.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.