davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On tuesday XX/XX/XXXX my landlord XXXX XXXX apartments had two washers and two dryers from XXXX XXXX XXXXXXXX XXXX XXXX , XXXX, PA XXXX XXXX, installed in building number XXXX XXXX XXXX XXXX  PA. They put up a sign that said we had to use a credit or debit card and our banks would hold {$7.00} for XXXX hours than return the {$7.00} and charge the regular fee of {$1.00} per wash and per dry. I used the washer and dryer on Wednesday in which {$21.00} was taken from my bank account. I called my bank ( citizen bank ) and spoke to a customer service man named XXXX He said my money would be refunded on Thursday and I would be charged {$1.00} from each three {$7.00} that was taken from my bank account. XXXX XXXX I went ahead to wash my sick mother ; s clothes today thursday XX/XX/XXXX and was charged {$28.00} leaving a grand total of {$49.00}. I called the XXXX vendor and emailed them and they said it was the bank 's fault and XXXX the manager from Citizens bank said it was the vendor fault. I also called and emailed my landlord to no avail. I want my money back and be charged only the {$1.00} for each of the wash and dried clothes I was told I would be charged. Citizen Bank does not want to take responsibility for this. I need help. Thank you
Consumer complaint received 2024-11-20
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. (OH)

XXXX XXXX ( XXXX ) XXXX XXXX SS XXXX MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OHXXXX 

This is the second time I have file a compliant about the followinginformation below. I am requesting that you promptly delete theseaddresses immediately. I do not believe a proper investigation was don efrom my file through your office. PLEASE DELETE THE FOLLWING ADRESSES:XXXX XXXX XXXX XXXX XXXX, OHXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (AZ)

My checking account was closed by US Bank end of XXXX. I have around {$12000.00} in my checking account when my account was closed. I contacted US Bank multiple times to give the money back to me.They referred me to the branch manager who originally opened my account. I contacted the branch manager, but he barely responded. I went into the US Bank XXXX branch multiple times and finally got chance to talk to the branch manager XXXX XXXX. His attitude was very unprofessional. He simply told me he will hold my money for three months. Now it has been over three months, I contacted him again to get my money back, but he never responded to my email or phone. It was very bad experiences and really need to file a complaint towards this US Bank branch and this manager.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (GA)

XX/XX/XXXX, I went into a XXXX location to return some equipment and was informed of an account from a previous address that had a balance. I paid the balance in the store and was told that no negative reporting would occur as I paid them directly, and if it had been sent to collections it would be deleted. Turned out that it had already been reported to collections, so I waited. I reached back out to XXXX via chat and was told again that it would be deleted as they took the payment, I just had to call a number and tell them. I did that, and now it just reports as a paid collection on my reports, when I have proof that I was told that it would be deleted.
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (IN)

On XX/XX/XXXX, i was notified that a collection was added to my credit report from Rentdebt automated collections. I have never had any type of services nor have i ever had any contracts with this company. I was never notified by mail nor phone regarding this debt at all. I have tried to dispute this and the credit bureau stated that the company assures them that this is accurate and it will not be removed. I do not owe this company anything and my rights were definitely violated as well as reporting false information and damaging my credit and for trying to collect an amount i do not owe them. I also know that it is against the law for any courts to give out information. I want this removed from my credit file on all 3 credit bureaus immediately. If this is not solved in a timely matter i will take the next step and submit my complaint to the FTC.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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 2024-11-18
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. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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. 

INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2018-07-12
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. (IN)

My name is XXXX XXXX and my idenity was compromised between XXXX and XXXX while on XXXX XXXX. During which time several fraudulent accounts and inquiries have been opened in my name. Please see my attached FTC and police report to have these accounts and inquiries removed. 

Accounts 1. XXXX XXXX XXXX / XXXX  2. XXXX XXXX XXXX / XXXX   3, XXXX XXXX XXXX / XXXX 4. XXXX XXXX XXXX and XXXX XXXX Inquiries 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX
Consumer complaint received 2019-07-08
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. (GA)

I applied for an XXXX account last week. I was denied so I wanted to know why I was denied. I called XXXX XXXX customer service to try and get some sort of explanation on why I was denied but they didn't tell me much. So I went home and checked my credit report. After doing so I see a couple items on my report that are not mine. I have also reached out to the FTC and my local police department and I am doing this on my own behalf. 
There are still items on my credit report that are not mine and need to be deleted from my report. XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion reports a 30 day late on my credit report that I challenged over 60 days ago. The creditor, XXXX, shows no late payments ever on my account and they do not report to TransUnion. It is for a car loan I had since XX/XX/XXXX and no late payments were ever made. When I brought I to TransUnion telephonically they reported that they would verify it. Today, they 've done nothing. Reported late in XX/XX/XXXX. Will not comply with law.
Consumer complaint received 2018-07-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

About six months ago I was considering paying off some small loans and realized a loan from XXXX was included in the above referenced home equity loan payoffs and should be inactive on XX/XX/XXXX I faxed a letter to whom it may concern inquiring about the missing payoff to XXXX. A copy of this fax is included in this email. I have made several attempts to contact someone in regards to this situation at no avail!!! XX/XX/XXXX Per our telephone conversation I am forwarding the information requested by you in hopes we have included what is necessary to re resolve this matter XX/XX/XXXX I took a student loan for our daughter. A receipt is included in this email.I took out a home equity loan. A disbursement was made to pay off this loan of XXXX which XXXX was left Settlement date XXXX. A disbursement was made to pay the loan of XXXX ; XXXX. The foregoing is from settlement statement transactions without seller US department. On XX/XX/XXXX I receive an encrypted message providing payment history.On XX/XX/XXXX they responded saying they had no records of the checks that they send out. Yet they sent me all the paper work but not the copies of the checks. The reason I did not notice was because I had automatic withdrawal I have talk to so many personnel there and nobody could give a direct answer I have copies of all the transaction except copies of checks they said the company out of business so I said why don't you have copies of checks?
Consumer complaint received 2024-11-19
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-11-20
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-20
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-20
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. (IL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (CT)

On XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX called my home phone. My XXXX year old son who has XXXX answered. XXXX asked him some questions about me including D.O.B. which he gave them. They then proceeded talking with him about a debt they say I owe. After a minute or 2 I realized he was talking about me and I quickly grabbed the phone. I asked who the caller was and they quickly hung up.It wasn't until XX/XX/XXXX at XXXX XXXX that I found out who it was after they called my cell phone with the same number used to call my home. Today is XX/XX/XXXX and they called again yesterday XX/XX/XXXX at XXXX XXXX. claiming I owe them money. I have no information stating I owe them anything or where the debt is from. I also have nothing from them regarding my rights to verify or dispute their claim which they are required by law to send within 5 days of initial contact which was back on XX/XX/XXXX when they talked with my XXXX year old son.
Consumer complaint received 2018-10-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Blitt and Gaines, P.C. (IL)

Back in XX/XX/2018, I tried to re-write my Loan with XXXX XXXX. After several calls, To check the status..approx. 75 days later I still had not received a approval or denial. After finally making a complaint with XXXX customer service. I received a denial on the re-write.This being almost 3 months later. XXXX did contact me in writing stressing being at fault, not how they usually handle customers. Well I was told not to pay any payments while in review. This putting me behind in payments 60 days or more. Well XXXX  sent it to a collection agency as a written off debt. XXXX  informed the collection agency to work out a payment arrangement. Well This has yet to be done.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX Account XXXX : XXXX
Consumer complaint received 2024-11-18
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. (AL)

As referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items. 
Please conduct a comprehensive investigation and update my credit report accordingly.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to recovery and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to recovery 4 years ago
Consumer complaint received 2024-11-20
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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
Consumer complaint received 2024-11-20
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-07-11
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: Commercial Acceptance Company (PA)

I recently found out that I supposedly owe 3,000+ to an apartment complex by applying for a loan and being denied. The dispute took less than 30 days to investigate. I lived at that place for months, and had a cosigner. So if I didn't pay I'm wondering how would I have been able to stay at that property until I graduated and I was able to hand in my keys if I owed this company money. As mentioned previously I also had a cosigner in the event I didn't pay they would be responsible or someone would contact them if I didn't make payment. I don't believe it was fully investigated as I just put in the dispute not even a week ago.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to XXXX and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to XXXX 4 years ago
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

i have been a victim of fraud and id theft, XXXX, XXXX, experian all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (FL)

THE ALLEGED ACCOUNT WITH CONTRACT CALLERS INC WAS PLACED ON MY CREDIT FILE AFTER THE ACCOUNT WAS PROVEN NOT TO BE MY ACCOUNT FROM TWO PREVIOUS COLLECTION AGENCY XXXX  AND XXXX XXXX XXXX XXXXXXXX BACK IN 2016 THEREFORE THE ACCOUNT IS NOT VALID AND HAS NOT PROVEN THAT THE ACCOUNT IS MY ACCOUNT AND NEED TO CEASE WITH COLLECTION ON A FALSE ACCOUNT. I HAVE REACHED OUT REPEATEDLY TO CONTRACT CALLERS TO VERIFY THE ACCOUNT AS BELONGING TO ME BUT WITH NO VALE.