davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (FL)

This is my numerous request that you adjust this suspicious data. 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. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-04
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. (GA)

Beginning on XX/XX/2021, I sent in certified letters to all 3 consumer reporting agencies requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well, I have yet to hear anything back from either company and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which definitely is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXX XXXX  {$120000.00} ( late payments ) 2. DEPT OF XXXX {$7200.00} ( late payments/student loan ) 3. XXXX XXXX ( inquiry ) 4. XXXX XXXX XXXX  {$780.00} ( charge off ) 5. XXXX XXXX {$1400.00} ( chargeoff ) 6. XXXX {$0.00} ( chargeoff ) 7. XXXX XXXX XXXX {$710.00} ( collection ) 8. XXXX XXXX ( inquiry ) 9. XXXX XXXX {$4300.00} ( collection ) 10. XXXX XXXX XXXX {$300.00} ( collection ) 11. XXXX XXXX ( inquiry )
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WH

OM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please update all of my personal information on XXXX XXXX TRANSUNION, XXXX XXXX I would like all the names, phone numbers, and addresses along with removing any employer. My only name is XXXX XXXX. My only phone number is XXXX. My only address is XXXX XXXX XXXX, XXXX, TX XXXX. My only employer is XXXX and I am XXXX  employed. There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX   about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.
Consumer complaint received 2018-07-14
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. (AZ)

On XX/XX/2018, I received my second notice from XXXX XXXX  that my Credit Score has dropped 30 points at a second Credit Bureau in the past week and I'm not sure as to why, the account in question has never nor is it currently behind. The Creditor says that they submitted the amount that is currently due this month and before I could pay it on XX/XX/2018, Transunion and XXXX  has dropped my credit Score by 30-60 points and I would like to know why? A Rep a XXXX said that it is because I exceeded 30 % of my total approved limit for that particular card and that Creditors do not want you to exceed that amount because they feel you are in debt and you can't pay it back. I understand that, but, shouldn't I at least get a chance to pay it before I get a penalty? We had a situation with my car this month and I put the one time charge on my card not knowing that I would suffer a penalty, isn't that part of what you get these cards are for? I wouldn't normally complain but this policy doesn't make sense, the bureaus say that this limit is designed to stop you from defaults but, if I have a low limit card ( say about {$3000.00} ) and it goes over a {$1000.00} I get a penalty. They say that you are High Risk of not paying it back but, if I have a card that is limited to say {$11000.00}, I can charge $ 3200+ and I'm fine and I'm doing a great job ( credit Wise ), even though I'm at a greater financial risk, Why? The government needs to have the bureaus explain this to consumers before you get this penalty. The Bureaus need to explain who and how these limits are determined. The bureaus are setting the limit on what you can use in any given month, SHOUD N'T THEY BE THE ONES APPROVING THESE CREDIT CARDS ALSO? What is the point of a creditor giving you a limit, if the bureaus aren't going to let you use it? The Bureaus have the power to destroy a persons life in seconds, but, once they give you a mark, it takes month to years to try and straighten it out, Why? The bureaus say that my credit standing is excellent, but I have a risk and usage level of only 30 %, Why? This is submitted as a General Use Statement and if you request further documentation, I can provide it.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

When I checked my credit with XXXX I noticed a fraudulent collection charge. From this, I disputed the collection through XXXX   Seeing as I submitted it incorrectly XXXX  told me to contact the collection agency directly to retrieve accurate information. Once I contacted the collection agency a woman by the name of XXXX XXXX, phone number XXXX XXXX XXXX XXXX ext. XXXX, was kind to be of assistance. She informed me that the debt stemmed from an apartment complex in XXXX. Furthermore, she noticed several red flags in the file, the biggest being the initial lease application only had my name and no evidence of Identification ; copy of drivers license or social security card missing. This lease and debt are both fraudulent activities. Her advice was to submit a complaint via the Consumer Financial Protection Bureau. XXXX insisted I do this in order to have this removed from all credit bureau reporting agencies. To this day, I have never signed a lease in XXXX and aside from a signature on this so called lease, there is no direct evidence that this debt belongs to me. Please advise at your earliest convenience on solutions.
Consumer complaint received 2017-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MS)

I recently discovered a collection on my credit report from Enhanced Recovery Corp. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Chapter XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX 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
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I sold my home and closed on XX/XX/2021. The title company, XXXX XXXX, has experienced difficulty with the mortgage company ( PHH Mortgage XXXX to wire a pay off. The beginning problem was with the Title Company not having wire details. Once wire instructions were received, the wire transfer of funds for the mortgage pay off was made on XXXX, I received confirmation from the Title Company. I have the wire transfer details. My concern is that my mortgage company is still showing a balance and are denying receipt of the pay off sent via wire. My mortgage company, PHH Mortgage, opens at XXXX XXXX I have been calling all morning to try to ensure that funds were received. However, they have a recording that says due to Covid, customer service is not available and it disconnects the call. I am very concerned that my account has not been updated with the pay off information. I have no way to see what is going on or to communicate with PHH Mortgage about the wire transfer to confirm receipt. This is very alarming. Please help!!
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (FL)

XXXX XXXX has this company Amsher or XXXX XXXX law harassing me about a balance owed to their company. I returned their equipment and sent it back to them and they will not stop calling me and will not remove the balnce from my credit report.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I went on a trip to visit my family out of state. When I returned someone broke into my hose and took documents and everything of value. Not only did they take my documents they found a way to get into my bank account and steal my money without me knowing. They accessed my account and took out over {$5000.00} dollars. It is my savings and all of the money I have. I tried to tell the bank it was stolen but they say I did it! When I was out of state! The bank says I let someone take my information and they will not help me get my money back. I filled a police report and they still will not listen.
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

XXXX XX/XX/2020 Collections opened XX/XX/2020 Amount owed {$1300.00} I have already disputed this collections. I have not lived nor received medical care in XXXX Texas in over seven years. Nor did I receive any mail regarding such collections. 

Ive contacted both XXXX XXXX and Phx financial and this collection is not mine. It just isnt.
Consumer complaint received 2020-09-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I filed a dispute with the credit bureau and all they did was to reach out to the lender to verify the payment history. Not sure what is the purpose of a dispute if I present my evidence and it doesnt get taken into consideration. Basically why did you ask me to provide support if your not even going to use it to figure out my case. 
I feel that this system is rigged from the beginning and the consumer doesnt have a chance to win anything that they are disputing.
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-02
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)

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No:XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX : Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/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 XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-18
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: FIDELITY CAPITAL HOLDINGS, INC (CA)

In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (MI)

The company XX/XX/XXXX had received a payment from me and they told me that year that it was sent to collection by mistake and they put me on hold and try to contact them and Helvey & Associates told me as well that the account will be deleted but they left it still when I was not notified that they did not delete it. I have been disputing this since I first saw it on my credit report. So I was going back in forth with the collection agency telling me it was deleted and paid off through XX/XX/XXXX that year and they told me that we fix it from here but we need to call XX/XX/XXXX that its paid in full but it was still showing that it was a debt collection and it showing negative on my report. I was told of this year by some rude representative that it was bought by them and it will stay there because I didn't pay them. I told that representative that why would I pay double on an account that is paid in full because I had the same utility service all year long. It was an error by XX/XX/XXXX and they told them to remove it that year and it was not removed. The collections agency lied to me for many years that it was deleted from my file and now to this day it's showing up as a negative account like its never been paid all so many months and when I called them and asked them why is it showing up as a negative account they told me that they didn't know my account was paid in full and I asked them how can they report some inaccurate information because it was a mistake sending it there and they told me that it was bought from them and the payment should go to them. I told them my service was still on and why was it sent to a collection agency in the first place. On their reviews, I have seen stories like mines. I have also reported it to the XXXX XXXX XXXX but no response to them as a business. I also have reported to the FTC, Attorney general office, and the CFRA
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

COLLECTION BUREAU OF AMERICA is reporting inaccurate information on my credit reports because I have no knowledge of this account. I have contacted the collection agency and the credit bureaus. I am requesting that the item be removed immediately to correct my information. 

I feel that it is not appropriate that I disputed the information and XXXX is stating that they received sufficient information, which has not been shared with me. Where is a contract showing that I opened an account with them? My signature or any personal information?
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I've recently received notification from the XXXX on behalf of the US Dept of Education that my application of XXXX XXXX XXXX XXXX has been approved and my loan is completely forgiven/discharged. 

The notification was also sent to XXXX on XX/XX/XXXX for it to process the forgiveness/discharge of the student loans in the amount of {$140000.00}. 

With all of the confusion, administration back peddling and lawsuits filed by or on behalf of XXXX challenging the student loan forgiveness programs ; I would like XXXX with this information to immediately zero out my loans, close the account, and report such to the credit bureaus as quickly and feasibly as possible. 

I filed a dispute with the 3 credit bureaus to expedite getting the reporting off my credit reports ; XXXX however verified that the $ XXXX balance was correct ; which is erroneous as of XX/XX/2022. 

Thank you.
Consumer complaint received 2022-10-07
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: AMERICAN EXPRESS COMPANY (NY)

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. 
we've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
AMEX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, AMEX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}