davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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. (TX)

I received a call from XXXX on XX/XX/XXXX, in which they stated they were not able to complete an application that I submitted. Since I had not applied with XXXX, I looked up their number online and called them on XXXX ( wasn't able to get through over the weekend ) about the call I received. I confirmed with them that someone had completed an application in my name but had misspelled my first name and used an email address that is not mine. I notified them that it was fraudulent and they removed the application. This prompted me to check my credit report in which I noted other inquiries that I had not authorized. I immediately called the financial entities listed in the inquiries to cancel any applications in my name ( XXXX XXXX and XXXX  XXXX XXXX ). Then I called all three bureaus, locked my file, filed a fraud alert, and asked that the inquiries in question ( all occurred on XX/XX/XXXX ) to be removed from my reports. I also filed an identity theft report with the FTC. 
XXXX and XXXX immediately removed the inquiries, but TransUnion asked me to upload documentation proving that I filed with the FTC and documentation from XXXX XXXX. I explained that I have NO documentation. I filed electronically with IdentityTheft.gov and provided them with my reference number and I called XXXX and provided them with my reference number. 
On the XXXX, I called again to find out why this inquiry was still on my report. They informed me again that they needed documentation which I do not have and have already told them this. They offered to contact XXXX to request their documentation which I gladly accepted. 
Today ( XX/XX/XXXX ), having observed that this is STILL on my credit report, I call again. They give me their broken record speech again, telling my that I MUST provide them with documentation that I DO NOT HAVE in order to have a fraudulent inquiry removed from MY credit report. Please help me understand how people are supposed to provide them with documentation on fraudulent transactions that they did not conduct and how this is in any way a reasonable request of someone who is already having to spend an inordinate amount of time to try to recover their credit that they have worked their entire life to build? 
Please hold TransUnion accountable to do the right thing for people who are legitimately contesting fraud. This is absolutely ridiculous.
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (GA)

about XX/XX/2022 i contacted Rocket Mortgage about refinancing we agreed to XXXX dollars take out they found a XXXX dollars loan during this process and promised me they would not pay this however they did but did not tell me. i did sign all documents but did not expect any thing but what they promised i never received any money all my numbers increased. i went from 4.7 interest rate to 5.2 and monthly payment from XXXX dollars to XXXX and payoff of XXXX dollars to XXXX dollars which has created a hardship with my creditors and people involved at Rocket Mortgage will no longer take or return my calls.
Consumer complaint received 2022-06-22
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. (OH)

Please delete this XXXX XXXX account dated 2013 and Bankruptcy XXXX XXXX, It is violation of my federally protected consumer rights- USC 1681 a5 states no consumer reporting agency may report any adverse information other the records of convictions- USC 1681 section 604a section 2. States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (MO)

On XX/XX/XXXX we went to XXXX, they ran our credit and provided us a loan option from Exeter finance for XXXX percent. They provided our credit scores of XXXX and XXXX for both of us. we took possession of the vehicle. Approximately 1 day later we had found out the scores exeter used to provide the loan were in accurate. We have scores of XXXX, and XXXX from XXXX and XXXX, and received that information on the same date and time of loan request. We contacted exeter who told us to contact XXXX, who in turn told us it was an Exeter issue. Exeter at this time is not responding and is charging a higher apr then it should based on information.
Consumer complaint received 2022-06-22
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. (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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

This company made an unauthorized attempt to withdraw money from my bank account for a debt that was being disputed with a property manager. They also threatened it would damage my credit if I do not pay them. After receiving notification from my bank that there was a charge of over {$4000.00} being withdrawn from my bank, I contacted Fair Collections and Outsourcing Inc. ( FCO ). They pulled the call and realized this was an unauthorized transaction. Supposedly the employee was terminated. I have been very transparent with them and always working with them to resolve the remaining debt. Now, they just give me the run around when I am try to review this situation. As if " it never happened ''. This is deceptive practice. I am sure all the calls have been recorded.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CO)

My student loans have been consolidated but are now showing up as multiple accounts on my credit report. I have a letter stating that I do not owe anything to my previous student loan provider so these multiple instances need to removed since it is inaccurate.
Consumer complaint received 2022-06-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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.
Consumer complaint received 2022-06-22
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. (NC)

On XX/XX/XXXX there was a loan opened in my name from XXXX in the amount of {$3000.00}. Upon trying to purchase a car on XX/XX/XXXX I was notified that my credit score was very low. I went to Experian to see why my credit score was low, that was when I noticed the XXXX account ( among others ) on my report. 
I attempted to reach out to XXXX multiple times to resolve the issue, however I could not gain access to further information about the account because I was unable to answer the security questions or verify my identity. 
Finally I was able to work with someone in XXXX that allowed me access ( despite the security questions ) and was able to submit a fraud dispute. The dispute results were that the loan remained with a balance due. 
From there I submitted a police report, Affidavit, and am working with an Attorney to resolve the issue. 
I request this be removed from my credit report immediately, as the information on file is incorrect and invalid.
Consumer complaint received 2022-06-22
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)

This is beyond ridiculous! This account needs to be deleted IMMEDIATELY!!! I have sent several disputes to Experian. They have failed to thoroughly investigate this account. I have the right to receive information used to validate this account. They have a responsibility to report correct information. Having negative information on my credit file affects me negatively.This account couldn't be validated by XXXX this same account was removed by XXXX. I submitted a screenshot of CFPB complaint XXXX the XXXX account removed by XXXX. I filed a CFPB complaint on Experian to remove the XXXX  they stated it was " validated ''. If the account is validated why have I yet to receive validation.I requested numerous times by mail. I have not received validation as requested by mail. The response received today XXXX was electronically. I will attach the last letter I sent to them clearly requested to receive documents used to validate this account by mail. Experian ILLEGALLY changed the balance from {$1800.00} to {$6500.00}. I will update screenshots from their website showing before and after. How are they allow to do this to people? Experian is a credit bureau for profit it seems. It will NOT be at my expense. Experian has continued to ignore my requests this is unfair they should not be allowed to do people like this. They should not be able to respond validated. This has cost me time and money.
Consumer complaint received 2022-06-22
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. (AR)

On XXXX, I sent Transunion, XXXX and XXXX a letter stating I wanted inaccurate information removed from my credit report. They sent me letters stating everything was accurate and nothing was changed. I explained to them that the information was reported differently amongst all three credit bureas and that there was no way their information could have been accurate. This inaccurate information has prevented me from buying a house and I would really like to get this matter resolved. I've given them 6 months to fix their errors, yet they have failed me as a consumer by reporting erroneous information on my credit report.
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.
Consumer complaint received 2022-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC. (CO)

I spoke with XXXX at BC Services on XX/XX/22 in reference to two accounts to dispute the validity of the debt I was being contacted about. I emailed and mailed the requested documentation stating that I no longer owed the medical debt for services rendered. I filed a response with the 4th judicial district stating that I do not owe the debt, and I have continued to receive notice of their intent to proceed with a default judgement. I also received documentation from BC Services for a debt that is not mine, and has a different unknown party information included in the correspondence.
Consumer complaint received 2022-06-22
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. (AZ)

FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see below inquiries : INQUIRY Cap XXXX XX/XX/XXXX INQUIRY Us Small Bus Administration/XXXX XXXX, XXXX INQUIRY XXXX XXXX, XXXX I am hereby notifying you that neither on that or those dates similar did I authorize any individual from listed to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this informationplease remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report this information and as of now you are not doing that. I look forward to the credit reporting ageny resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2022-06-22
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. (MD)

The Credit Reporting Agencies are willfully defaming my character continuing to report inaccurate information on my credit report without providing proof. Also they're in several violations of my consumer rights. 

In Pursuant Of 15 Usc 1681a ( 1 ) we have the right to accurate and fair credit reporting!! 
These accounts are not showing accurate on my credit report. 

According to the FCRA 611 ( A ) ( 1 ) the credit reporting agencies were supposed to respond to my disputes within 30 days I have received no correspondence about my disputes According to the FCRA 605 ( c ) Running of the reporting period was occurred on all these accounts. They re age the date of last activity to willfully defame my character and keep my consumer report at a low credit score I demand these accounts be removed from my consumer report & blocked during the investigation occurs on all reporting agencies reporting alleged accounts
Consumer complaint received 2022-06-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (LA)

I lost my job due to Covid and have experienced financial hardship also due to hurricane Laura and delta. My home is unable to be occupied due to these hurricanes. I have hired an attorney to receive payment from my insurance company but am still awaiting results. My mortgage company m & t bank is telling me I am ineligible for any assistance due to the home being non owner occupied. I looked on huds website and it shows there is assistance available for non owner occupied homes.
Consumer complaint received 2022-06-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-06-22
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. (IL)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX  Account Number : XXXX You are violating my rights on reporting an inaccurate report please delete this immediately 2. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Inaccurate information failure to perform an investigation per fcra regulation
Consumer complaint received 2022-06-22
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)

Hi I am submitting this XXXX XXXX XXXXhis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.