davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Consumer Financial Protection Bureau Re : XXXX, XXXX, and Transunion Credit Reporting I am a consumer that filed a Chapter XXXX bankruptcy in XXXX, where I am paying my debts to a court trustee and have never missed a payment. The circumstances regarding the Chapter XXXX were due to medical issues, prior to this my accounts were in good standing. 
To improve my credit score, I have disputed a few items including pass addresses that were not associated to me but remain on my credit report. I recently, joined XXXX a company that helps to improve credit, and advertised as a savings program. 
It appears to my dismay, after completing the program ( no missed savings payments ), my score went down 11 points with XXXX, 20+ points with XXXX and 59 points with Transunion . My credit history with Transunion has never shown any positivity or improvement no matter how many times I have disputed information with them. TRANSUNION continues to hold my score in the 500s which is utterly ridiculous. 
I called XXXX to discuss the reduction in my credit score and was informed by a representative that the company doesnt discuss credit scores, although I am enrolled in their credit monitoring program at {$24.00} a month. I am afraid to stop the program because I fear my credit score will go down even further. As a consumer, I feel the Credit Bureaus are not accurately reporting any improvements and keeping my credit scores low even though a Chapter XXXX is more favorable ( debts are being paid and not reduced or excused by the court as a Chapter XXXX ). 
I expressly feel that XXXX may be selling an idea of credit repair, credit boost, or credit improvement falsely to consumers. I never saw my credit scores improve with any of the credit bureaus as evident with my credit scores reported on XX/XX/XXXX. 
What recourse does a consumer have? I want to see a fair improvement with my credit scores for all bureaus. So fair that has not happened. 
XXXX offers credit boost, however if you disconnect your bank information the score falls back to the 500s. I am seeking help with unfair credit reporting!
Consumer complaint received 2020-08-28
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. (WI)

Recently after obtaining a copy of my credit report I discovered that XXXX XXXX XXXX XXXX is listed as a current creditor for : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  and is reporting as open, and " Charged Off '' including Remarks ; Disputed resolved ; reported by grantor, consequently inaccurate balances have been furnished to all three credit bureaus. It appears the original creditor, [ XXXX  ] sold the account to XXXX XXXX XXXX for collection on XX/XX/XXXX, the initial loan amount reports a balance of {$2500.00} and secondly, a balance of {$2300.00} several disputes were filed with the Credit Reporting Agencies ( verbally and written ) between XX/XX/XXXX and XX/XX/XXXX. ( see attachment ) All three credit reporting agencies investigations have responded with " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) is required and Section  611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' XXXX XXXX has failed to provide its source about how this information was obtained in accordance with the FCRA, and has owned the account since XX/XX/XXXX and failed to provide appropriate debt validation required by federal law verification before posting to my credit report An attachment is included with complaint confirming a request to obtain debt validation.
Consumer complaint received 2022-09-11
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. (TX)

Previously reported this company to Transunion and called XXXX directly. Issue was never resolved after years of trying and sent a letter from XXXX showing I was never late but they decided to fraudulently add the same notes saying my payment was late when it was in fact never late. The vehicle was totaled out and paid off. Next time this happens I will take legal action against company for discrimination they consistently attempt to ruin my credit as a brown person.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (RI)

My account has been locked since Monday XX/XX/XXXX and I have called multiple times and havent spoken to anyone to get the issue cleared because I have been on hold for hours at a time. And when I have spoken to someone I always get let me transfer you and sorry I cant do anything on my end. I have no access to my money and no access to my account. Im completely locked out. And USAA has done nothing to fix the problem.
Consumer complaint received 2020-04-09
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. (TX)

I contacted Experian, XXXX, and XXXX  concerning a Mortgage account on my profile. I sent in a photo copy of my drivers license, ss card and recent utility bill. The account isn't removed and they haven't responded on this matter.
Consumer complaint received 2020-04-09
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-04-08
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. (GA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/ExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$2600.00}, XXXXXXXX XXXX Balance {$2300.00}, XXXX XXXX XXXXXXXX Balance {$3100.00}, XXXX XXXX XXXXXXXX Balance {$95.00}, XXXX XXXX XXXX Balance {$380.00}.
Consumer complaint received 2022-04-08
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. It's been over 35 days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2022-04-08
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 XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2020-04-09
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2022-10-08
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. (GA)

So, I Sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 U.S.C. 1681. I have the right to privacy. Also, according to 15 U.S.C. 6802. No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-04-08
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. (FL)

N accordance with the fair credit Reporting act XXXX  account XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  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 sates a consumer reporting agency can not furnish a account without my writing instructions
Consumer complaint received 2020-04-09
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. (AR)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.
Consumer complaint received 2022-04-08
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-08
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. (VA)

IN accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A Section 2 It also a consumer reporting agency can not furnish a account without written instructions 15USC 1681 602 A States I have a right of privacy
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To Whom it May Concern : Loan number : XXXX Address of Mortgage : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX  Phone Number : XXXX I am placing a request for help with a company ( XXXX XXXX ) that has placed credit reporting errors on my account. 


I have spoken to several XXXX Customer Service advisors. 

I have reported, inaccurate late payments ( in XXXX ) that were reported inaccurately to the Credit Bureaus. It is prohibiting me from getting a new mortgage loan for a new home. 

The home was not in my possession in XXXX as it was sold in XX/XX/XXXX, 2017.The title was changed on XX/XX/XXXX and was signed off by a judge in XXXX XXXX , Florida ( Judge XXXX XXXX ) . 

I have also reached out to the credit bureau 's to dispute this error. Please expedidite this as soon as possible in the form of reporting the correction to the credit bureau and sending a letter stating the error. It is severely impacting my livelihood. Time is of the essence. 

XXXX XXXX XXXX : XXXX
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CO)

My husband XXXX XXXX and my self XXXX XXXX were contacted by our mortgage company Freedom Mortgage XXXX XXXX XXXX NMLS ID XXXX about refinancing our current loan at a new lower interest rate at NO COST TO US.  We talked with her several times and reiterated that this would be at no cost to us. We ok for the process to go forth and on Friday XXXX XXXX we were in the midst of signing papers and I said the figures do not look correct. Our closing agent tried to call Freedom Mortgage and could not get ahold of anyone. We were told there was a window of time we could stop all proceedings so we completed the signing. On Monday my husband XXXX got ahold of XXXX and she forwarded the closing statement saying all was in order, although I was not at home that week to try and discuss with her. The statement of our Balance of old loan paid in full on XX/XX/XXXX was {$350000.00} loan # ... XXXX, and new loan amount was {$360000.00} an increase of {$3800.00}. We also have an auto payment in the amount of {$1200.00} withdrawn on XX/XX/XXXX after loan docs were prepared on XX/XX/XXXX and were told this payment would be coming back to us which it never has been. When I just checked my principle balance today XX/XX/XXXX they have adjusted our principle balance on new loan to {$360000.00}!!!! They know what they are doing is wrong and now trying to cover this up!!! We have tried for weeks to contact someone at the bank with no avail and I have records of my emails sent to them through their Message Center on the website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XXXX and have received no contact at all from them. I and labeled my emails THIS IS FRAUD to try and get them to contact us but nothing. We have also tried numerous times to contact them by phone and left messages but no return contact. Please help us get this corrected with them as need help. 
Thank you very much, XXXX and XXXX XXXX
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2022-04-08
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. (VA)

IN accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A Section 2 It also a consumer reporting agency can not furnish a account without written instructions 15USC 1681 602 A States I have a right of privacy
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit file. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has 5 HARD INQUIREYS on credit report. Starting with XXXX XXXX. I never tried to buy house or it would have been bought .The other 4 hard inquires are when I got onto credit sesame e and my file was linked but those 3rd party credit services lie and scam. I need all 5 inquires off my transunion report. This is hurting me. My children and elder mother. Trifling how these companies don't even do business in America. They lie to the XXXX and other XXXX to do and say what they tell them. My 5 gard inquires are fraud.
Consumer complaint received 2022-04-08
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-08-05
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. (FL)

I had my credit checked although I did not authorize it. I have been the victim of identity fraud according to the IRS, and someone was using using my identification to get credit in my name as a fraud said the IRS stating I had an account in XXXX XXXX which I did not have. 
There are inaccuracies on my credit report of other people by Transunion and XXXX  who are listing my father 's debts under my name causing me an increase in my credit and XXXX XXXX listed me for a legal loan which affected my credit and legal loan companies are not allowed to check people 's credit as it is granted based on a legitimate legal case as a commercial loan on future payments on a legal case.