davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I mailed Transunion a certified letter asking them to provide me with details of several negative trade lines that were listed on my credit report. They responded after XXXX days informing me that they verified details of the negative account I listed. I believe Transunion did not do a sufficient investigation. XXXX of the account XXXX XXXX XXXX is a payday lender. If Transunion had done a proper investigation they would have discovered that this was a payday lender, and that payday loans are illegal in New York. I would like Transunion remove the accounts I requested information on. Following my initial dispute I sent XXXX additional letters to Transunion asking them provide me with the method of verification. I also spoke with a customer service representative in regards to the XXXX XXXX XXXX account. I spoke with a supervisor and asked them to provide me with details of who they spoke with to verify the details of the account. I asked them what documents did they review. The outcome of that call was the supervisor offered to add an additional dispute in regards to the wrong type of account being listed. XXXX XXXX XXXX listed it as an installment loan. The supervisor mention this additional dispute would take another XXXX days. I can provide additional documentation in regards to this if necessary.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Today ( XXXX/XXXX/XXXX ) I went online and received my free reports except from TransUnion. I was denied access as they said they already gave me a free report for this year. Not so. 

Since I have had disputes with them before ( XXXX ) due to their errors, I do not intend to waste time and incur expense by sending them certified mail for resolve every time they make a mistake this year. I have attached a screen print of their refusal to provide a free report which may require cropping by you as to not reveal my personal identification in the event that you publish this complaint for the benefit of the public.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have not been able to obtain my report other than from XXXX XXXX due to Transunion said they could not verify me. They have XXXX reports from XXXX closed/derog ch XXXX that are incorrect ; XXXX ch XXXX double reported limit {$300.00} and {$250.00} ; XXXX {$1500.00} should be reported paid in full ; they have collection accounts that state that meet fcra requirements for disputes that should be removed yet remain on my report. XXXX {$1200.00} ; XXXX {$620.00}, XXXX $ XXXX {$250.00} ; I would like these removed a new report issued to those that have inquired against me as I have been denied credit with a new score and sent to me via email with the score and report as well as mail. My email is XXXXXXXXXXXX.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX.i tried again XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no one else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX XXXX prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

There is an acct. Listed as being " open and in collection '' on my credit report. The collection company is XXXX most and they list the original creditor as XXXX XXXX dvd. I have never done business of any sort with XXXX XXXX dvd, in fact I have never even owned a dvd player. The claim that I owe them money is completely erroneous and should be removed from my credit report.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$18000.00}.
Consumer complaint received 2023-05-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc. (CA)

My account through XXXX XXXX was charged from the credit place called transform credit Inc. with a number and mailing address that I do not have Im currently on my way to getting my credit fix because I did not approve of this loan through XXXX XXXX. I have contact the fraudulent department and journey, credit department or if XXXXe a separate department not sure if Im making any sense here but Im trying to get this situated because I am on the verge of fraudulent and identity theft so if you could please help me, I have tried to cancel from them even the place from XXXX  XXXX  has tried to call three credit places to cancel, and none of them are answering via by live person. Please help me.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at the time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion reinserTed an account on my credit file by portfolio recovery services thay has been deleted from my credit report. The original creditor was XXXX XXXX XXXX in which was reported by XXXX recovery services, this account was deleted from myncredit.file in 2015.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name XXXX . XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a XXXX balance. 
I contacted the XXXX major Credit bureaus, XXXX, XXXX, TransUnion with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX falsely reported a late payment on my mortgage after changing my billing in mid bill cycle during an escrow analysis. They increased by mortgage by XXXX in the middle the month and demanded a payment of that amount without my knowledge of the change until the night it was due. I called and they agreed it was a problem and that they would work on readjusting the payment and that this would not affect my credit, they also tried to get me to do loan modifications etc, and refinance while I waited. They adjusted the payment to a mere XXXX my previous payment, which I promptly paid. They then reported me for month that they changed my mortgage as being late even thought they told me they were changing the payment and that this would not happen several times on the phone. I was not interested in waiting around for a refinance, i just wanted to figure out a way to sell the house and get away from it and make my payments. They tried levying insurance on property that I did not need to add extra bills as well. They could never explain the escrow analysis and why they tried to destroy my credit and lied. TransUnion did not do a good job of looking at the facts and the evidence. They should immediately remove this. I am not alone, this is a practice that has affected XXXX XXXX customers. I never pay my mortgage late in 10 years. They are predators. Transition should practice better due diligence and look further into the documentation sent by consumers,
Consumer complaint received 2016-09-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (MD)

I 'm 3 mos behind on my mortgage payments with Pacific Union Financial. I have a documented XXXX and so I do miss work occasionally because of the illness. My mortgage company was informed that my delinquency was due to illness. However, I have been told that I need to make a triple payment this month in order to prevent foreclosure, because I 'm in pre-foreclosure. My issue is that I called offering at least one whole payment, and was denied. They told me it is being rejected because I am being required to make a triple payment. Is there any way to disallow these practices? Especially for hardworking people who fall on hard times for one reason or another?
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently met with an attorney regarding errors on my credit report and learned that XXXX XXXX XXXX is incorrectly reporting mortgage account information on my three credit bureau reports. My last payment on my XXXX XXXX XXXX Mortgage was dated XX/XX/XXXX ; therefore, the status date on the account was XX/XX/XXXX. No payments were made on this account after XX/XX/XXXX. This account should have been removed from my three credit reports XX/XX/XXXX.
Consumer complaint received 2015-05-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (CA)

My wife and I initiated a refinance through our existing mortgage lender, Pacific Union Financial. We started the refinance process with plenty of time for the loan to close prior to a 30 day late. We have never experienced a 30 day late in all of our years as homeowners. We were assured by the loan consultant that our loan would close/fund within 30 days. Although we signed all loan documents on XXXX XXXX ( with plenty of time for the loan to close/fund prior to end of month ), the loan did not close until XXXX XXXX, 2015. I have documentation in writing ( e-mail from escrow office to loan consultant ) explaining that a mistake was made in terms of the payoff amount and this caused a delay in closing our loan. Nevertheless, Pacific Union Financial reported my wife and I to the national credit agencies as being more than 30 days late in our mortgage payment resulting in a severe impact to our credit rating. I wrote a letter to Pacific Union Financial on XXXX XXXX, 2015 but was surprised to receive a response on XXXX XXXX stating that they were denying our request to correct this issue. This was an irresponsible reaction given that the mortgage lender was provided with the written documentation clearly showing that a mistake was made in the processing of our refinance.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

After several certified letters stating the information regarding the trade line was wrong I only received print outs that the information was correct. I received the exact same response after XXXX more requests for complete investigation. They did not send any information regarding the history or origination. This is not my account.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I received my homeowners policy bill for XX/XX/XXXX. I noticed that my policy amount had increased over 10 %. I made inquiry regarding the increase, and was told that it was because of my credit score/ and credit comments. My credit score ranged from XXXX - XXXX, XX/XX/XXXX. I have excellent credit scores. I was told that because inquires were made on my account, this was the reason why, my insurance policy rate was increased. I asked the person I was talking to this question! Each time companies checks my credit score or history, my credit score, is negatively being impacted. The person 's response was, " Yes ''. Why would a person 's credit be negatively impacted, simply because they are trying to find better rates of insurance on their homes, and/or autos? This does not make any sense. I could understand if a person, received credit, or incurred some type of increased debt, their score would be negatively impacted. However, simply inquiring or seeking to get better insurance rates, on their homes, vehicles, or seeking credit, should not negatively impacted, their credit scores. The system is indeed rigged. A person 's credit is dinged each time an inquiry is made, and they are dinged again, if they obtain credit, or increased debt. " What is wrong with this situation? '' Please can someone tell me why this is the case? Impacting a person 's credit, after they get the credit might be appropriate, but doing it simply for making an inquiry, is double jeopardy. I am requesting that the Consumer Financial Protection Bureau, investigate this matter. American Citizens, are having to pay higher rates for credit, insurance, and other financial transactions or instrumentalities, simply because inquiries are made into their credit history. Credit Card companies, and other institutions are receiving XXXX dollars, because of this practice. It should be illegal, for these institutions to decrease a person 's credit scores, solely because inquiries are made into their credit history. If a person 's credit scores must be adjusted or negatively impacted, it should be done, if and only if, credit is issued ... XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ... Email : XXXXXXXXXXXX Tele : XXXX ...
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am attempting to have a tax lien removed from my Transunion account. 
I was given a fax number to fax pertinent documents. After multiple attempts to fax said information, they only received XXXX pages. They will not allow scanning or e-mailing of data. They claim it 's not " secure ''. Their fax number is constantly busy and I 'm unable to get through. I have tried repeatedly all to no avail. I find it incredible that in 2016, this company is still using outdated fax technology. Please someone do something about this. They only apologize and repeat the same answers ... .we only accept faxes. Amazingly stone age technology still used.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

transunion is reporting student loans incorrect with late payments, i have disputed this XXXX XXXX times in the past with them and have requested documentation showing that i have paid these late and have not gotten it. I have not paid these loans late. these loans are closed/ transferred and reporting inaccurate
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting a collection account under XXXX that originally belonged to XXXX XXXX. Transunion just investigated XXXX XXXX and deleted it and then XXXX put it on my account in the last 30 days. It was not on the credit report pulled in XXXX 2016. he XXXX account shows it is from XXXX XXXX. Transunion is allowing a re-aged account and a previously deleted account to be reported on my credit. They are ignoring my requests to just leave it along long enough for me to get my mortgage account. They are saying it is going to take up to 30 days. They have cost me a good interest rate.
Consumer complaint received 2023-05-08
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: CAINE & WEINER COMPANY, INC. (IL)

This is the fourth Complaint to the CFPB about Caine & Weiner who have not address the said laws they are breaking in direct violation of my consumer rights! Illinois State Attorney General has been made aware and court proceedings will follow this fourth complaint soon. 

In accordance with the Fair Credit Reporting act Caine & Weiner has violated my rights. 15 U.S.C 1681 section 602 A [ ( 15 U.S.C 1681 b ( a ) ( 2 ) ]. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish data of an account without my written instructions. The company is falsely accusing me of owing {$180.00} for services and refuse to remove it from my credit report. In direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter. 

This is not a dispute for the law is the law and can not be disputed.
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (IN)

XXXX XXXX XXXX says I owe them {$140.00} as of the status date of XXXX. I have NO idea about this debt whatsoever, and moreover, I dispute it. When I tried to contact the company, I was told they could n't find my information. 

Also, XXXX XXXX XXXX says I owe them {$490.00}, as of the status date of XXXX. I have once again, received NO information regarding this debt, and have not been able to have anyone contact me on the phone when I tried to call this company twice. They told me someone would return my call. No one has.
Consumer complaint received 2017-12-28
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. (LA)

the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The  bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : 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 {$210000.00} balance.