davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hello, Can you please do this investigation within 4 days. 

As you can see I have disputed info and no one has done the investigation and they added more info to my credit profile. I also reached out to naviet and they don't hold none. 

Please see attachment for letter I have sent. 

XXXX Reporting I have sent over 4 dispute letters to the credit bureaus for reporting the wrong information for my student loans that are reporting. They are listing that my student loans are late. I sent over letters explaining that none should be reporting late. When I dispute each credit bureau added to my credit profile of loans that has been closed and transferred to another lender. The put old student loan on my account that hurt my score. 

XXXX Account # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX they have listed twice on my credit. - in the comments they have it as " Account transferred or sold Student loan '' with XXXX late payments reporting back from XXXX and I looked up during covid based on XXXX XXXX Transunion They are reporting this account is late during covid which I was in a hardship and loan was in forbearance period. No late payment could be reporting. Based on the cares act. They are also reporting this account has been paid. My loans has been DEFERRED and my loan servicer is XXXX see attachment. 

XXXX XXXX XXXX XXXX XXXX XXXX FCRA Reference : The FCRA is codified at 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( F ).

CARES Act Reference : Public Law 116-136, Section 4021.

CARES Act Section 4021 : Title : Credit Protection During COVID-19 Statute : Public Law 116-136, Section 4021 Amendment to the FCRA : The CARES Act temporarily amends Section 623 ( a ) ( 1 ) of the FCRA During the COVID-19 pandemic, the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) amended the Fair Credit Reporting Act ( FCRA ) to address how credit information is reported during the pandemic. Specifically, Section 4021 of the CARES Act includes provisions that impact how creditors report late payments to credit bureaus. 

I also asked for mt personal information to be updated correct I do not know what address are these as I NEVER LIVED AT THIS ADDRESS. I only have one address and what is reporting below is wrong and I want deleted. 

XXXX XXXX XXXX PREVIOUS ADDRESSES XXXX XXXX XXXXXXXX, IN, XXXX PREVIOUS ADDRESSES XXXX XXXX XXXX, XXXX, NJ, XXXX Inquiries are reporting wrong I didn't apply for ay of theses companies. I have asked for the companies to investigate this info and no one has gotte back with me I want these items removed. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has put a delinquency on my credit report. date open XX/XX/XXXX and its has went into collection. I contacted the company who supposed to have the charge off account who is XXXX  XXXX XXXX, and they have no record of this note. they have since created XXXX complaint on my behalf. I want this removed off my credit report immediately being it XXXX  days delinquent. 

Balance : {$690.00} closed on XX/XX/XXXX. 
opened XX/XX/XXXX XXXX  XXXX type : credit card I was redirected to XXXX  XXXX XXXX and they wouldn't give me the complaint filed on record or give me a case number.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union and XXXX are reporting XXXX XXXX XXXX XXXX as delinquent/derogatory account. They are reporting inaccurate information due to the fact XXXX does not have it. This account was charged off by XXXX XXXX XXXX XXXX  several years ago. Charge of according to IRS publications is considered income and income is not supposed to be reported the my credit report. The certificate of indebtedness was never verified and never had a contract with XXXX XXXX XXXX. The Credit Bureaus assume the role and are supposed to have accurate information reported. I was supposed to close on a house on XX/XX/XXXX using XXXX XXXX  and because of this inaccurate information it cost me my escrow {$3200.00}. Cost pain and suffering to my XXXX children and wife, being first time homebuyers. As a federal protected consumer I the consumer opting out of XXXX XXXX XXXX reporting to my credit report. Also Trans Union, XXXX, and XXXX XXXX XXXX violated The Privacy Act of 1974. I never gave written consent for this debt to be reported in my credit report. Violated the law by reporting transactional history with XXXX XXXX XXXX and the credit bureaus, by reporting my private transaction repeatedly with an open end credit account.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive been dealing with INCORRECTLY REPORTING student loan accounts for about a year or so ( when I first found out ) and upon submitting disputes with the reporting agencies they all claim they have done their investigation and everything checks out. But when I called the XXXX XXXX XXXX XXXX MYSELF, attempting to fix the issues with the lendor or creditor, they surely ADMITTED that the INFORMATION BEING REPORTED WAS INCORRECT. 

Reporting incorrect information is a violation of the US Code. On top of the fact that I was never given any disclosures about the reporting, whether I wanted info reported, and how to go about not having my non-public info reported. Another violation. 

The US Code also states any inaccurate accounts must be corrected or deleted, and to this day they have done NEITHER of the two options. This is willful negligence and it has set me back YEARS, because their report says I OPENED a student loan in 2019, AND I DID NOT. I WAS NOT ENROLLED AT ANY SCHOOL to even need a loan in 2019, nor did I sign for any loans in 2019. The employees at these agencies are negligent and the agencies need to be audited. These people should not be working in these offices playing with peoples lives. They should know the law and adhere to it, as they generate reports that alter the trajectory of ones life. I will be seeking litigation if they refuse to do an actual investigation. Ive asked the bureaus and the DOE themselves to produce any documents or contracts of said 2019 student loan, with the amounts stated and to this day they havent sent 1. Anytime I dispute they simply send back a letter saying the accounts were verified. How were the accounts verified without these documents??
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION (NV)

In XXXX I changed my insurance from XXXX to XXXX. I had no issues doing that. 
My financial company, Lobel Financial, immediately tacked on {$110.00} on every monthly payment for not having insurance. After providing the paperwork to prove my insurance never lapsed, it simply got changed, they promised me over the phone that they would refund my {$110.00} and remove that from my account. 
This has happened every month since XXXX. I have payed extra {$110.00} everytime. Last month I told them I would not be paying that, and paid only for my monthly amount. They have since started charging me late fees. 


I also sent a certified tracked letter from USPS to make sure that I had proof they received the paperwork. They have said everytime to send it to this e-mail : XXXX They never answer this e-mail. I have sent over 10 e-mails to them. The support does not help. I have been shut down on the phone MANY times. They do not give call IDs or record the calls. I have asked if I could go to a physical location to fix this but everytime I ask that they shut the phone on me. The office that's listed as their location in XXXX XXXX is empty. I have found evidence of a major lawsuit against them, that they lost, for this very same reason. Where it affected upwards of XXXX people. Here is the link to it : https : //www.consumerfinance.gov/enforcement/actions/lobel-financial-corporation/ I am at the end of my rope. It has been 3 months that having my wife unemployed, work is very hard to come by and money is very tight. I have begged, cried, screamed, pleaded to be helped by these incompetent and corrupt people, but nothing has been done. Currently I'm seeking legal representation to sue them.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 and list of Inquiries. 

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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I have submitted disputes to XXXX over XXXX times already, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that Experian has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 

The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : 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 

I have never worked for XXXX XXXX The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : 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 can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I bought a 2015 XXXX XXXX and I was given a loan from XXXX XXXX XXXX  for {$13000.00} 28.8 % APR XXXX a month so The vehicle totaled {$24000.00}. I was told that I was able to refinance the vehicle after a year of on-time payments, after I passed my first year of on-time payments, I reached out to XXXX XXXX XXXX and I try to refinance my loan. They denied my request. I am now on year three and I checked through my banking app called XXXX XXXX to see if I had any refinancing offers because I received emails from XXXX XXXX stating I had refinancing offers waiting. I logged on to XXXX XXXX and they have 30 offers waiting for me to choose which one was best. So I chose the best one. They said that I was preapproved for these loans from various banks, the offer list XXXX XXXX gave me to choose from had monthly payment information APR percentage, total amount of loan, and all of my personal information. upon applying for the loans that I was preapproved for, I was denied each time, thus negatively impacted my credit score and left hard inquiries thus hindering my chances of refinancing my car and I still get these preapproval offers from XXXX XXXX and when I try to talk to them about my preapproval letters, they didnt understand what I was saying.
Consumer complaint received 2024-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-12
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account ending in # XXXX, XXXX - XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending # XXXX, XXXX & XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX  account ending # XXXX, XXXX XXXX XXXX account ending # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX, XXXX account ending in XXXX XXXX, and XXXX XXXX account ending in # XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address a persistent issue regarding fraudulent items on my credit report, which remain unresolved despite previous attempts to rectify them. Despite my previous disputes and documentation submitted, these fraudulent entries persist on my credit report, causing significant harm to my financial standing. I have adhered to the proper procedures outlined in the Fair Credit Reporting Act in my previous attempts to rectify this issue. I kindly request that you conduct a thorough investigation and provide me with a written response detailing the results of your investigation, along with the actions taken to rectify my credit report, within 30 days of your receipt of this complaint. I also request that the credit bureau furnish a written statement outlining measures taken to prevent the recurrence of such fraudulent items in the future. This is vital to safeguard my credit and ensure that others do not encounter similar difficulties. I am willing to cooperate fully and provide any additional information or evidence required during the investigation process. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always pay on time. I know this for sure. I don't understand why this company says I'm late some months. According to USC 1666b, billing errors must be fixed and shown as paid on time.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

XXXX. I received a escrow refund check ( {$4300.00}, # XXXX ) from Truist ( formerly XXXX ) bank at XX/XX/year> XXXX. I deposited your escrow refund check # XXXX for {$4300.00} on XX/XX/year>, at XXXX XXXXXXXX XXXX. Subsequently, I received notification that the check was returned on XX/XX/year>, as Refer to Maker. 
XXXX. Truist responded " This is because the check was previously deposited into an account with BXXXX XXXX XXXXXXXX '' from CFPB complaint ID XXXX Truist record ( attachment XXXX ) XXXX. CFPB complaint ID XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( attachment XXXX ) Our records show : Based on your concerns, Truist Bank issued a check for {$4300.00} payable to you, XXXX XXXX XXXX XXXX and was negotiated without your permission on XX/XX/year>. 
The routing numbers on the attachment that you provided with your CFPB complaint are not from of XXXX XXXX XXXXXXXX. The last one belongs to the Federal Reserve, and the one above that is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was not the bank of first deposit. We did not locate a check matching that amount or payee. 
Heres our response Regrettably, we must refer you to the issuer of the check to attempt to dispute this matter further and try to initiate a claim with the bank of first deposit. We regret any frustration this may cause. As a result, we must respectfully decline your request for a new check. 

XXXX. Truist vs. XXXX XXXX XXXXXXXX responses conflict
Consumer complaint received 2024-07-09
Product: Credit reporting 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. (CA)

To my disbelief my credit report has been accessed by these companies without my authorization nor consent, which has negatively impacted my credit and credit score. I reached out to Transunion, and their representative assured me that these inquiries would be removed. However, they still appear on my report. These unauthorized inquiries are causing me significant XXXX and concern that I might be a victim of identity theft, adding undue stress to my life and further damaging my credit score.