davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account 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 account below : XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2018-09-04
Product: Vehicle loan or lease — Loan
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: HUNTINGTON NATIONAL BANK, THE (IN)

Back in 2016 my car was paid off in full, the bank cashed my check and I never received a title. I have tried to get a lien release from the bank for the last 3 months. I am trying to sell my car and need the title. I have called the bank every day for the last 2 months asking where it's at because it never showed up. They told me it was rushed and over nighted and that I should have it in the next few days and every Day that I have called them since it was supposedly sent. I call them to ask where it's at they always tell me it's on the way and I have yet to receive it. They have laughed and hung up on me. And they have lied about it being in the mail. I have done everything I know to do and I can't get any further and I'm not sure what else to do. The license branch told me to file a complaint so I can get this taken care of. I hope this helps to get me the title.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 2022-11-30
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2017-11-16
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: EQUIFAX, INC. (FL)

I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to zero. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.
Consumer complaint received 2019-04-09
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Integrated Recovery Services (CA)

While attending college in XXXX, I received a number of scholarship, the amount of money I received was more than needed to take care of expenses, so on XX/XX/XXXX, I purchased approximately {$8000.00} worth of money Orders to have funds available and for a rainy day. Recently, I started restoring my 1972 XXXX and wanted to use the remaining Money Orders to finance the needed repairs and body work. 
At the time of purchase, I banked with XXXX XXXX XXXX. XXXX XXXX used Integrated Payment Systems Incorporated ( XXXX XXXX ) XXXX Colorado a third party vendor to issue their Money Orders ; however XXXX XXXX XXXX was the payer for NA and XXXX XXXX California. 
When I deposited the checks into my XXXX XXXX XXXX checking account, they were returned on the grounds : 1 closed account, 2 unable to locate account, and 3 Non-Negotiable. 
I was advise to go to XXXX XXXX which I did. The XXXX XXXX XXXX in XXXX XXXX, told me the checks needed to be presented to XXXX XXXX, because they took over XXXX   XXXX XXXX in XXXX. 
When I went to XXXX XXXX, I was told they acquired XXXX XXXX assets and liabilities. However, because the money was sent to a third party vendor Integrated Payment Systems, and XXXX XXXX was their affiliated Bank in XXXX XXXX ; XXXX XXXX had to negotiate them. 
When I returned to XXXX XXXX, I was told the Money Orders had to be authenticated. After they had authenticated them, XXXX XXXX said it had to make a claim for lost or unclaimed funds with the XXXX of XXXX 's XXXX. 
Two weeks later, I was told to contact Integrated Service. When I did, I was told by Integrated Service XXXX XXXX was the payer. 
Shortly thereafter XXXX XXXX Sent back their copies of the Money Orders stating they were too old to process. This in my opinion is not a valid explanation, because there is no expiration date on the Money Orders and I paid for them with cash.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

My complaint is with lack of transaction record traceability and possible data breach with CIticard. 

On XX/XX/2019 at XXXX XXXX  Eastern, I made three transactions with XXXX on the XXXX website for a total of approximately {$5600.00} using my Citi credit card. I received a total of 8 standard alerts from Citi - 3 email and 5 text - confirming that these three transactions were made and that my card was not present. Standard stuff. When the merchant did not acknowledge payment within about an hour, I went to my Citi online account and saw the 3 transactions in " pending ''. I waited all day for confirmation from Citi and/or the merchant, and finally received an email from XXXX at XXXX XXXX  Eastern time on XX/XX/XXXX stating that XXXX not yet been paid. They said that I need to pay them within the next few hours or else my reservation will be cancelled. I immediately called the merchant ( XXXX ), and they said that my credit card company declined the transactions ( they should not have declined them since I have over {$21000.00} in available credit ). I then went back to my on-line credit card account, and discovered that the 3 " pending '' transactions had disappeared. So, I then called Citi, and spoke with 4 reps : a customer service agent, a fraud agent, a second customer service agent, and then finally a fraud supervisor, XXXX, in Citi 's Florida center. 

The first three agents were no help at all. Not only could they not explain why the transactions were declined, but they also could not even find any record that I had even attempted them. I tried to explain to the reps that I was a little gun-shy with Citi after my previous Citicard number had been compromised in the XXXX XXXX data breach last year, but they were unable to trace any of the 3 transaction on my account or see any of the 8 alerts. When I explained that I had 8 email/text alerts from them, and that I had previously seen the transactions on their website, they totally dismissed me. Very poor customer service. 

XXXX was much more helpful. She still could not see any record of the 3 transactions, but she at least acknowledged the alerts. She said that she will investigate and call me back within 24-48 hours. In the meantime, I have had to lock my card in case Citi is experiencing another breach. 

So far, I've wasted more than an hour on this incident, I've lost the use of my credit card, and I might lose my vacation rental reservation. 

How can Citi simply lose all record of my transactions and their email and text communications to me?????

I need Citi to fix this situation.
Consumer complaint received 2017-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NY)

I received a phone call regarding a debt to XXXX XXXX over the phone. I notified the caller that I did not receive proof of a debt owed and I closed the account in XXXX or XXXX of 2017 for disruptive cable and internet service. The items in question ( Cable boxes and modems ) were returned upon request from XXXX XXXX, which reflected the amount in question. I presented proof of same to the collection agency Sunrise and my attorney sent the collection agency ( Sunrise ) a letter also requesting proof of the debt. 

The Collection agency violated my rights under federal law and NY State law by placing a collection on my credit report for {$350.00} without providing proof of the debt. To date, I have not received proof of any debt nor have my attorney received a response from a letter sent to Sunrise Credit collection clearly stating the debt in question was invalid. I am requesting an immediate correction on my credit report or I will start litigation for damages in Supreme Court.
Consumer complaint received 2020-01-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have disputed a XXXX XXXX and XXXX  account with every bureau, but specifically equifax for the past 90 days and they have done nothing! they have provided no proof of verification. i have sent several letters and contacted them. i HAVE ALSO CONTACTED THE CREDITORS DIRECTLY. The equifax staff hangs up on me and none of them offer assistance. I need XXXX  and XXXX XXXX removed. They have been removed from VERY bureau EXCEPT equifax who keeps updating those 2 FRAUDULENT, UNVERIFIABLE ACCOUNTS. I have attached proof of deletion from XXXX  and XXXX  of those two aforementioned accounts
Consumer complaint received 2022-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Told dealership I am pre-approved with XXXX XXXX and asked if they could submit my info to XXXX XXXX only as I do not want multiple inquiries on my credit report. They said that would not be a problem. This was on XX/XX/19. I got an alert XX/XX/19 that the dealership submitted info to other creditors. Three times I demanded not to have my info submitted anywhere else and three times I was told it would not be. XXXX the finance manager calls me back and says the rep was trying to help me get a lower rate and now he is the villain for trying to help out. She mentioned that she can't read his mind and doesn't know what made him do that. He is your employee, how about ask him why he went against the word he gave me. She said if he would of gotten me a lower rate that I would be happy but since he couldn't he is the villain. I explained this is not about help, this is about you telling me you are going to honor my wishes and then completely disregarding what I said and doing what you wanted to do. I told her to remove the inquiries outside of XXXX XXXX and she states we already submitted the information and we cant remove them and that she doesn't know how. A professional would apologize and see what they could do to correct their mistake. If you do not know how then ask your manager or their manager until you find the solution.
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/2019 at XXXX, my young daughter received a voicemail from a XXXX XXXX with XXXX XXXX XXXX , & XXXX XXXX XXXX XXXX XXXX telephone number XXXX. The voicemail stated I had listed my young daughter as a " point of contact '' for a GE Capital Bank/JC Penney account ( false claim ). The gentlemen referenced an account number of XXXX. I have never given my child 's number to any such company as a point of contact for me. I received the first letter concerning this in the mail on XX/XX/2019 ( dated for XX/XX/2019 ) demanding Final payment by XX/XX/2019 in the amount of {$2500.00} in order to " avoid suit ''. I have not received any other calls or correspondence from this company. 
Furthermore, I have written a letter to this company and will it mail certified letter disputing any such debt. I do not currently hold a JC Penney account nor have I ever charged this outstanding amount on a credit card with them. I utilized a Consumer Protection lawyer in XXXX TN several years back ( XXXX XXXX ) who assisted me with some 3rd party debt collection unfair practices. This appears to be the same thing again.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TN)

Cbna made two unsolicited hard inquiries on my credit on one day. It dropped my rate by 41 points. This is completely unwarranted.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MN)

This is the 2nd time in 3 years I ran my credit report online.. The first report always is a success, then the next 2 fail. They have improper information that might make it fail. 
I have tried calling etc. Many hours into this, and they do not seem interested in fixing the incorrect info. You, would think they are XXXX or the Government. My info has been hacked also does the Gov. fine them NOOOOOO. I was able to run XXXX  but then it failed because thier were address 's that I did not live at ever and maybe laons not mine. How do you pass their questions when they atre incorrect. wouod be nice if they wouod talk to me too fix errors!!!!!!! 
Also fix their unfriendly annual credit report. 
I'm 100 % sure they will say its for my security. The question like when did you take out a home loan that has been payed of for 3yrs. Even the bank couod not tell me what year I took out the home loan that has been paid for 3 yrs. Appears to me they want you too fail.
Consumer complaint received 2020-07-30
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2018-04-04
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: Experian Information Solutions Inc. (CA)

I mailed out to Experian to add my Release of Lien via Document number XXXX  by the State Board of Equalization delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I started an investigation into the collections account that has mistakenly been sent to collections in my name ( the debt was never mine, the VA approved my ER visit and the hospital was aware that the debt was not mine, but they billed me anyway and I wasn't aware of the debt until XXXX of 2018. I contacted the VA and they informed the creditor how to pursue the debt with the VA, they ignored this and just resubmitted the claim to a different collections agency six months later. 

Transunion did a quick investigation and concluded the debt is accurate. There is no indication if the information I submitted with the initial dispute was ever received or viewed and the company makes transparency in the process non existent. I informed them of the entire situation in the dispute form I submitted and there was absolutely no reference to it anywhere that I can observe. 

This situation has caused me financial distress that could result in tens of thousands of dollars over the life of loans I am currently purchasing. I worked incredibly hard to establish an excellent credit rating and this has contributed to my rate plummeting.