davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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. (IL)

In accord to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies excise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy ''. XXXX, XXXX and, TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my PRIVATE information isnt shared without my written consent which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of it's customers and protect the security and confidentiality of those customers nonpublic personal information '' ( Furnisher of information to Credit Agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer credit report under the following circumstances and no other : in accordance with the WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES ''. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and, TransUnion ( Furnishers of information to credit agencies ) weather it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. ( Furnishers of information to Credit Reporting Agencies ) NEVER informed me of MY RIGHT to exercise my NONDISCLOSURE OPTION, not only that under 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years ''. This accounts is an adverse item they are reporting again without my permission which is against the LAW. 15 U.S Code 1681s-2 ( a ) ( 1 ) a states " 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. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title ''. XXXX, XXXX and, TransUnion are not maintaining reasonable procedures. Also 12 C.F.R. 1016.7 states that " A consumer may exercise the right to opt out at anytime ''. Also reporting credit transaction history is Illegal under 15 U.S. Code 1666b ( Timing of payments )
Consumer complaint received 2021-06-28
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 — Investigation took more than 30 days
Company: Skopos Financial, LLC (SC)

XX/XX/XXXX I am writing to file a complaint against Skopos Financial, XXXX, and XXXX.

I have made several disputes with the credit reporting agency reporting that Skopos Financial was not accurately reporting information. The balance that Skopos Financial is reporting to the credit agencies as {$11000.00} does not reflect in the transaction history ledger that Skopos Financial provided. I recently sent a debt validation letter to Skopos Financial requesting that the lender provides transaction and balance history. Per the documents provided by Skopos Financial on XX/XX/XXXX, The balance on this debt after any interest, fees, and liquidation costs was only {$7900.00} as of XX/XX/XXXX. However, an inaccurate amount is being reported and neither has Skopos Financial provided a explanation for the higher balance. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required and under laws of state and federal statutes. I am requesting that this item be removed from my credit report immediately. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Skopos Financial to date. 

I am requesting your assistance in putting an end to this matter.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Since more than 1 year now I triy to stop unwanted emails from Transunion, like this one Dear XXXX, As a benefit of your CreditViewTM Dashboard membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. 

This is a FREE benefit of your CreditView Dashboard membership. We will continue to monitor your credit file daily and ensure that you'll always have an up-to-date snapshot view of your credit. 

Your credit score is refreshed monthly. Make sure you go to the CreditView Dashboard every month to check your score and score history. Log in to your account now. 

Thank you for choosing CreditView Dashboard. 

Sincerely, XXXXXXXX XXXX this email came from Transunion : XXXX I am NOT a member of CreditViewTM Dashboard, I do NOT have an account with XXXX!!!! 

I wrote several letters to Transunion, to stop those unwanted mails : TransUnion LLC XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX I never got an answer. 

I can not log into an account to cancel it - because I do not have an account with Transunion!!! I never had!!!! 

I also asked XXXX several times, to stop it : XXXX transfers me to Transunion, Transunion is not reachable for me because they are asking for a 6 digit number which I do not have. 

PLEASE PLEASE STOP IT, otherwise I have to go to a lawyer, I am not interested in the creditscore from Transunion, my accounts are with XXXX.
Consumer complaint received 2021-06-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-28
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: Bread Financial Holdings, Inc. (DE)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine
Consumer complaint received 2021-06-29
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. (MD)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2021-06-29
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. (MN)

The following credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXXXXXX XXXX  XXXX, XX/XX/2021 and XXXX/XXXX, XX/XX/2021.
Consumer complaint received 2021-06-29
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. (IL)

On XX/XX/2021, I drafted the attached dispute to Experian advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered on XX/XX/2021. Despite this, the incorrect information remains on my credit report more than 30 days later.
Consumer complaint received 2021-06-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (CA)

I received a title loan in 2019 with Title Max. I never missed a payment but when covid happened I had trouble paying some months. I lost both my jobs and title max didnt care they still added interest and I received harassing phone calls daily. I finally borrowed the money from family to pay it off because they started threatening to repossess my vehicle. Title Max is a scamming company who prey on people who are experiencing hardship
Consumer complaint received 2021-06-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC (CA)

We have a XXXX exchange and contracted XXXX XXXX to do these loans. We had used them recently on a refinance and they had all the documents on file to close escrow. I asked them if they knew who to handle a Corporation loan and XXXX exchange and they stated that they had a lot of experience.Escrow opened on XX/XX/XXXX, XXXX Broker waited until the day we were suppose to close to let us know that they needed a Letter of Opinion form a Attorney and the Operating Agreement. When I asked them why they did not tell us about these letters they stated that they had just found out 2 days ago about the letters. I called the bank who was doing the loan and spoke with the person handling our loan and she advised me that the Broker knew about these letters for a long time. I called several attorneys offices and was advised that the letter of opinion would cost {$5000.00} to {$6000.00} and the letter of organization would cost {$1000.00} and that they would take approximately 4 to 6 weeks to finish. I called the Broker and advised him of the cost. He stated that even if we paid for these letters there was not guarantee that the loan would be funded.We were already 53 days into escrow. We had no choice but to cancel the loan as the sellers were not going to wait. We requested a refund on the Appraisals as they should not have been ordered until they were 100 % sure that the loan was going to be funded. They refused to refund the amount of {$1500.00} stating that they had lost money on this loan. 

Attached is a more detailed description of what happened. 

We are requesting that they refund us the {$1500.00} and that we get compensated for losing our investment monies due to their negligence. 

Thank you very much for taking the time to review our complaint. We hope to hear from you soon. 

Have a wonderful day. 

XXXX & XXXX XXXX XXXX Home XXXX Cell
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (IN)

I had XXXX taken out of my account XX/XX/XXXX & XX/XX/XXXX, I seen it in an Email and not my regular messaging from NetSpend Ace elite, I tried to order XXXX XXXX Saturday it wouldn't go through for {$12.00} and some change so I tried checked my balance in my account it stated wrong username and password. it went to a XXXX XXXX XXXX in XXXX XXXX Va, I have tried Several several times to speak to the reps there about my account, they keep giving me the run around over and over again, I even just ask to send a statement to my home I was denied. I reported my card being fraudulent on the same Saturday They were suppose to freeze my account. But I'm still getting notifications about it and not on the regular Messaging for NetSpend
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (TX)

I just reviewed my credit report from XXXX XXXX website yesterday XX/XX/XXXX and noticed a previous company Ive used is reporting to my credit bureau incorrect amounts for my past purchases and they specified that the loan was for a vehicle which is incorrect. I tried calling on XX/XX/XXXX at XXXX cst this was a 8 minute call and the agent was rude not acknowledging the reason for my call or request. He kept deflecting by repeating himself saying they dont report to credit bureaus and there is no credit department to transfer me to. So hung up and tried again to XX/XX/XXXX at XXXX cst this was a 8 minute call as well, this person said he was a supervisor and that he would send a request to the credit department but can not guarantee that my credit report would be updated. I in turned replied It is required by law you remove the inaccurate information under the FCRA, The law states that any inaccurate information you report to my credit bureau must be immediately deleted and provide written confirmation He stated again he couldnt guarantee it so I told him I will file formal complaint with CFPB and the FTC
Consumer complaint received 2021-06-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (NE)

I recently completed a consumer credit application with Mercedes Benz Financial Services on XX/XX/2020. Proof of that application is seen in the first attachment. Upon entering into a consumer credit transaction which can been seen by attachment number 2 that I never received my property. I extended credit as a consumer should and was never given any property to show proof of this consumer credit transaction. I only received an adverse action which pursuant to 15 USC 1691 ( d ) ( 6 ) only applies to insurance and employment so I am not sure why they sent an adverse action instead of the property and a breakdown of the finance charge. I am seeking help from the CFPB as MBFS has pretty much stolen my identity at this point and furnishing on my report is the result of this transaction.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NE)

I have sent several correspondences to XXXX XXXX about an open end consumer plan asking for an XXXX XXXX of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.
Consumer complaint received 2021-06-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (TN)

To whom it may concern, or XXXX, My father passed away XX/XX/XXXX, age XXXX. All his assets were in a living trust, and or a family trust. One such asset is a XXXX XXXX XXXX that was leased in XXXX of XXXX set to expire approximately XX/XX/XXXX. The lease was paid for by trading in a XXXX XXXX, and a onetime check. Which turned into a second check when downgraded to an XXXX because of XXXX  XXXX. After his death we parked the car and notified the insurance company. They said they would be glad to add me to the policy as soon as the vehicle registration or lease paperwork showed my name. Im successor trustee. First thing we did was to send my husband with a POA to the XXXX County clerks office. He presented the current registration, death certificate, and successor trustee paperwork. The clerk refused to change the registration because both the XXXX XXXX XXXX living trust or XXXX XXXX XXXX '' were on the registration. My husband tried to explain that the or XXXX XXXX XXXX was the trustee designation, but they said no, and wanted paperwork from Audi Finance. 



Audi finance probate division can only be reached through regular mail or Fax XXXX. On XX/XX/XXXX we faxed the death certificate, and successor paperwork. 

They have yet to contact me. I have called in several times. I have had one customer service rep tell me It was necessary for me to get a court order to change trustee designation. The state of Tennessee, and XXXX County do not require a trust to be processed through the courts. So far, Ive dealt with Life insurance, Annuities, banks, Brokerage accounts, and CDs. All have required the same paperwork, and all have complied and reimbursed interest back to my Fathers date of death. He did not spend thousands of dollars with attorneys setting up these trusts just to hire another one for this car. 

The living trust paid for 36 months of use, and Audi Finance has prevented its legal use. This was a time sensitive deal, and the remaining time from my fathers death to the end of the lease adds up to more than a couple thousand dollars. A nephew has shown interest in buying out the lease at the end of the term, but his parents have requested a copy of the contract which we have been unable to find. 

The XXXX  dealer, and or Audi finance have yet to supply us with one. 

XXXX XXXX vin # XXXX Title # XXXX I understand you have limitations from a legal standpoint, but there must be some law, rules or regulations that compelled all the other financial institutions to act in a responsible manner, but Audi Finance seems to be above following said rules. 



Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (FL)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2019-09-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (NY)

I was in the hospital for the end of XXXX and XXXX and unable to put money into my account. Ive been trying to make payments using a different bank account but it keeps attempting to take it out of my other account. It is now negatively reporting on my credit because this issue hasnt been fixed.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (MI)

On XXXX XX/XX/XXXX, I disputed a {$70.00} transaction made on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, Upgrade Inc informed me that the dispute has been declined and that the " provisional credit [ Upgrade InXXXX ] issued will be reversed and [ I ] will be responsible for payment of the transaction ( s ) and related accrued interest. '' On XXXX XX/XX/XXXX, I paid off my Upgrade Inc accounts in full. On XXXX XX/XX/XXXX, I closed my Upgrade accounts with no balance. 

On XXXX XX/XX/XXXX, Upgrade Inc informed me via email that the provisional credit related to the {$70.00} transaction dispute has ( after more than 8 months ) been reversed. Upon logging into my Upgrade account online, I learned my account balance is {$75.00}. However, Upgrade Inc is unable to accept a payment/payoff online because my account is closed. Upon contacting Upgrade by phone, I was informed that payment/payoff by phone is also not an option because my account is closed and that my actual payoff amount through XXXX XX/XX/XXXX would be {$87.00} -- however, Upgrade is unable to accept payment/payoff because my account is closed. Until this is resolved, and until Upgrade Inc can accept a payment/payoff, my balance is presumably accruing interest and reportable to the credit bureaus XXXX XXXX XXXX, and XXXX.