davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 

XXXX : XXXX XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX : XXXX XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} TransUnion : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00}
Consumer complaint received 2023-03-24
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2023-03-24
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$36000.00}
Consumer complaint received 2022-07-26
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. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, FL XXXX, XXXX XXXX
Consumer complaint received 2022-07-26
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. (NV)

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 ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the period allowed by law. The followingaccounts need to investigate and correct from erroneous reporting in my file are listed onmy credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Owed : {$0.00}
Consumer complaint received 2022-07-26
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. (NV)

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 ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the period allowed by law. The followingaccounts need to investigate and correct from erroneous reporting in my file are listed onmy credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-03-24
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or delete the following items in my file immediately : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-26
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. (MO)

I am bothered by the negligence of the Credit Bureaus with regards to the items I am disputing. I have been sending multiple letters to the Credit Bureaus to request the complete removal of the fraudulent information being reported on my Credit File. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my Driver 's license, Proof of Addresses and the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting due to identity theft. As stated on the letter I sent, the Credit Bureaus are required to remove the items I am disputing within 4 business days after the date of receipt. The inquiries and addresses being reported on my Credit File are fraudulent since I never remember authorizing anyone regarding these inquiries. I am submitting this complaint to protect and execute my rights, which is clearly being violated by the Credit Bureaus, under the FCRA section 605b. Please remove the following items COMPLETELY FROM MY CREDIT FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} BANK XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX BANK XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KS)

This issue has been going on for over 5 months. The account was never setup on escrow and taxes were paid directly to the county. However, CMC sent out taxes and forced my account to have escrow claiming I needed to pay the back taxes ( which was already paid ) in addition to the new taxes that needed to be paid for the year. My monthly principal and interest is less than $ XXXX but they were forcing me to pay close to $ XXXX. They stated that I couldn't close the account from escrow until the account was brought to a positive amount, forcing me to make a payment even though I sent them proof of payment in XX/XX/2020. I have called back multiple times ( XXXX, XXXX, multiple calls in XXXX, XXXX, multiple calls in XXXX ) and this issue is still not resolved. Aside from being hung up on, provided false promises with supervisors calling me back, and misinformation, they have NOT refunded my money ( payment of {$2600.00} pay # XXXX on XXXX ) that they stated would be needed to just close out the escrow account. Also, they stated that they sent money to pay taxes on my property, but when I paid it for the 2020 year, it did not show that there was a credit balance. They are a fraudulent company and have been holding my cash hostage during COVID times.
Consumer complaint received 2018-11-19
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: EQUIFAX, INC. (NY)

On XX/XX/2018, XXXX XXXX XXXX  ran a hard inquiry on my credit. The creation of my new joint checking account with the Bank was completed on XX/XX/2018. However, as I was signing up for the joint checking account there was no note that a hard inquiry would be ran in order to approve the creation of the account. This unauthorized inquiry into my credit has lowered my credit score. Additionally, I have attempted to fund my account and have started auto-deposits from one bank to XXXX XXXX, and have yet to see it be reflected in my account. To date I have funded the account with {$500.00} that appears as deducted from my origin bank account but does not appear in my XXXX XXXX account.
Consumer complaint received 2023-03-24
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. (MA)

In previous months, I requested to correct the inaccurate account which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and correct my records. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-24
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)

XXXX and TransUnion refuse to accept communication that was authorized by me, XXXX XXXX XXXX XXXX, disputing information on my credit report.
Consumer complaint received 2018-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (NV)

On XX/XX/2018 I sent a certified letter to AWA Collections requesting validation persuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. The response received was simply an invoice which  did not include any information about my obligations to this debt. 

My next step was to contact the original account holder via telephone, and I was able to confirm that this debt was in fact sent to collections incorrectly, as my insurance at the time paid it off. AWA is refusing to remove the debt from my credit report, and has failed to provide me adequate validation of their legal right to even collect it.

Attached are documents sent to AWA, all other communications have been via telephone.
Consumer complaint received 2018-11-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MI)

I believe the company 's name is Credence Resource Management. The phone number is XXXX. They call me every business day and don't leave a message ; the latest call was today XX/XX/2018 at XXXX. I believe they are calling for the person who previously had my phone number.
Consumer complaint received 2018-11-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (OH)

on XX/XX/2016 selene finance bought my mortgage, on this date I was informed that my monthly payment was going up. from {$770.00} to $ XXXX.I was in chapter XXXX bankruptcy at this time and the new mortgage company knew it from the letter they sent me.This company did not file with bankruptcy courts as bring my new holder or the rise in the paymeny.I informed the company of this, but made no effort to change it.So for the next 14 months I was {$110.00} short, so that comes to {$1500.00} short on my escrow.The company said I am {$4000.00} short.I tried to explan this to them, but I am not getting anywhere wiyh them.If they had followed the bankruptcy laws this wouid not have happened.And somebody needs check their math
Consumer complaint received 2024-06-04
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. (PA)

There were fraudulent accounts made in my name. I couldn't have made the accounts because I was still XXXX  during the time. I would really appreciate assistance in this matter because I have been trying to make a living for myself and it s been extremely hard because of these items.
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

This loan was opened by XXXX XXXX, the original purchaser on the vehicle. After some time, XXXX decides he doesn't want to be the buyer of the car and asks the dealership, XXXX, to come off the loan. The dealership then decides to run my credit, which was unworthy of a loan through their lenders. The vehicle was then asked to be surrendered, so the vehicle was returned to the dealership, and I am not responsible for the debt. They also have not reported it on my credit for years, and I've obtained copies of my credit report to prove it. I want it removed from my credit report and they are liable for damages, I've not been able to purchase a new vehicle because of this loan that doesn't belong to me.
Consumer complaint received 2018-11-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked for this to be investigated numerous times, XXXX XXXX ACCOUNT XXXX on the last investigation the 30 days ended XX/XX/XXXX.. 

I wanted to to re dispute adding my FTC identity thief paper work. I tried fax it in the line was busy ... so i went on the web site AND SOMEONE RE OPENED THE DISPUTE XX/XX/14 SO NOW I CAN NOT ATTACH MY FTC PAPER WORK! 

I did not request for this to be reopened until i supplied my more paper work! 
now I can not add it AT ALL according to the rep i spoke to i have to wait 30 more days to reopen and add
Consumer complaint received 2023-03-24
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)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as correct the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-24
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. (CA)

XXXX XXXX -account closed_paid XXXX XXXX  XXXX account closed. 
XXXX XXXX -account closed _assigned to attorney 15U.S.C. 1681 section 602 A. & section 604 s.2 15U.S.C. 1681c. ( a ) ( s ) 15U.S.C.1681 section 2 ( 2 ) ( 1 ) These are in violation of my privacy
Consumer complaint received 2020-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery XXXX XXXX XXXX has contacted me daily for about 2 weeks and counting, about 2-3 calls a day. To my knowledge, I do not have any outstanding debts with any debt collectors. Nor have I received any notification via mail of an outstanding debt. 
I have spoken with the company directly and was instructed that they would stop calling aka put me on a do not call list. The phone calls still continue and my frustration only grows fonder. 
Portfolio Recovery is harassing me via phone and I would like to put a stop to this.
Consumer complaint received 2022-07-26
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-11-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I have already submitted a complaint with XXXX XXXX XXXX. After submitting the complaint in XX/XX/XXXX they put a code XXXX to stop reporting to the Credit Bureau even after there investigation on my payments they found in there own favor for the year of XXXX and XXXX that I knew nothing about. and within two months of my spouse deceased they threaten me with foreclosures. I truly am thankful for XXXX XXXX XXXX for coming in at a time of hardship. I have been in my home since XXXX that was the first time I have been late and not knowing because of the way the state of XXXX   XXXX XXXX were sending in my payments towards XXXX XXXX XXXX   XXXX. XXXX XXXX XXXX were paying at that time, of hardship. Since I had made the complaint against XXXX XXXX XXXX. I am submitting another complaint the reason XXXX XXXX XXXX XXXX XXXX XXXX put a hole on payments to the Credit Reporting agency. This is not acceptable. When you are making payments on time. They also are rejecting to remove the code. without even a reason why it was placed? Whatever the reason I'm requesting it to be removed.
Consumer complaint received 2018-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

American Education Services is refusing to honor my IBR certification information on file with Studentloans.gov website. Although it is effective through XX/XX/2019, see attached documentation, American Education Services is demanding I recertify with them. 

American Education Services has now capitalized the outstanding interest on my loans, directly violating my IBR agreement.
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2018 and XX/XX/2018, I sent letters to TransUnion disputing incorrect public record, Bankruptcy Chapter XXXX-dismissed Texas. XXXX and XXXX were also contacted, they investigated and determined that the information was incorrect and the accounts were deleted from XXXX and XXXX. I requested for TransUnion to send me the name of the person that verified the information at the Bankruptcy court, the date it was verified and the name of the third-party person that was used to provide them with a verification. I called TransUnion on three occasions to follow up on the disputes and was told by specialist the information was verified. I was told by XXXX, Supervisor, that he could not provide me with that information. I called the court and wrote the court and I received a letter that they do not provide a debtor 's full social security number. So how did the third-party the credit bureau verify this as my account without having the full social used from the court?