BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion has on their my credit report that I have a job stating RETIREMENT/ALIMONY/SSI AS NEW EMPLOYMENT AND i DO NOT WORK I RETIRED IN 2005 AND RECEIVE RETIREMENT PENSION AND SOCIAL SECURITY. THEY REFUSE TO TAKE THIS OFF OF MY CREDIT REPORT AND I WANT TO KNOW WHERE DID THEY GET THIS FRAUDULENT INFORMATION. IT NEEDS TO COME OFF OF MY CREDIT REPORT, I DO NOT HAVE NEW JOB. WHAT DO I DO TO REMOVE THIS?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
on XXXX {$570.00} was deposited into my checking account from Big Picture loans. Starting on XXXX I made 4 installment payments of {$140.00} per agreement. When wanted to pay off loan, I was told I had to pay a total of {$640.00} to be cleared of the debt. I am not gathering how my amount due can be more then what was borrowed when all my payments were made. 


Attached is the statement from my bank showing the totals for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Disputes of negative issues and Inquary

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I reported on several occasions to expierian that there is a Name and Address that is on my credit Report other than mine, Someone my Name is XXXX XXXX XXXX my my ssi # is XXXX my current address is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX My old address was XXXX XXXX XXXX XXXX XXXX florida XXXX. There is someone using a name close to mine XXXX XXXX XXXX ( no Me ) address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, fl XXXX @ Geographical code XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent a letter to Transunion requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local county clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and XXXX judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the county clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
After searching online for a used hybrid vehicle, I found one that suited my needs and went to the auto dealer to test drive the vehicle. I expected to proceed with the process of purchasing that day with a down payment. I knew my credit score beforehand, which was rated excellent by XXXX of XXXX credit bureaus ( XXXX, XXXX ). However, upon running the credit check with the finance company, they initially declined me credit, being unable to produce a score. The reason the dealership surmised was because credit finance companies only look back at the last 7 years on a buyer 's credit report. My credit history is at least 16 years, with my last paid loan being a student loan from a year ago. The finance company wanted more down payment from me, which I increased by 33 %. They finally offered a loan, but at an interest rate of 10.1 % at 72 months. I was expecting a rate of about 4 % at 60 months. Given that my own bank had earlier declined me an auto loan as well, and given the reasons I discovered at the dealership, I took the loan, being told to refinance it after 6 months of on-time payments. What 's more, the sales representative who sold me the car said to open a few credit cards, even secured ones at first, to re-establish open credit, for which I currently have none. He said it should help in having the credit companies see how responsible I can be with credit, gauging it by my debt-to-credit ratio.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried fro two months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over 7 years. This situation is really messing me up at repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian, XXXX and XXXX are all reporting Two Bankruptcies that are not mine, and never happened. I had a XXXX  XXXX Bankruptcy which filed on XX/XX/XXXX. This Bankruptcy provided relief I was seeking. Yet, the XXXX bureaus are reflecting additional XXXX XXXX Bankruptcy filings on XX/XX/XXXX and XX/XX/XXXX. Neither of these are mine and I need them removed from these reporting agencies immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. Experian is the ONLY credit bureau that is still reporting this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Regarding XXXX Credit Card accounts with XXXX. XX/XX/XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX, XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My CPA also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year IRS transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES XXXX and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was signed up for classes at XXXX XXXX of XXXX XXXX Michigan. I never attended the class. They are claiming that I emailed or called the teacher and claimed that I told her I would attend the class. However, I have never spoken with the teacher via phone or email. Therefore, I asked for prove an email that says this or phone records. Which the teacher has never giving out her personal phone number so I would have had to call the office and leave a message which I did n't. I always pulled up all my emails to and from her and never once was there an email about attended the class. I have had this teacher for years and yes if I did n't show up for class she would just keep me in the class thinking that I would show up. However, this time she was wrong because I never attended the class nor did I call her or email her. I have asked for prove which they ca n't provide.They are trying to collect XXXX dollars that they claim I owe. However the classes there are over XXXX They just do n't want to send the government back the rest of the money for the class that I never attended. M & M credit company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off the balance on my Bank of America credit card on XX/XX/XXXX. On XX/XX/XXXX the auto payment amount of {$100.00} that I had set up was deducted from my bank account. I called Bank of America onXX/XX/XXXX regarding the {$100.00} credit on my account because the auto payment amount was still taken from my account. They reversed the payment on XX/XX/XXXX and I turned off auto pay to prevent the {$100.00} from pulling from my bank account again. On XX/XX/XXXX I was charged {$8.00} in interest. Since my account had a {$0.00} balance since XX/XX/XXXX and a credit for a period of time, I did not check my account the following month. As a result, my account is showing past due and I was charged a late fee. I called Bank of America regarding this and she said that I have to have a {$0.00} balance on my account for 2 months for them to not charge me interest. They will not reverse the late charge and the interest they charged even though the account balance was {$0.00} or was a credit balance during the month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion has reinserted information that was previously deleted in XXXX of this year. 
XXXX negative accouts which are : XXXX # XXXX Type EmploymentBalance $ XXXX XXXX $ XXXX Opened XXXX Status ClosedMo. Payment $ XXXX StatusHigh Balance $ XXXX $ XXXX 360 MonthsXXXX BANKAccount # XXXX Type Banks and XXXX & XXXX were removed due to identity theft it is against the law for Transunion to repost these items after deletion. They must delete these items immediately that were wrongly reinserted. 
They also took off accounts of which were reporting positively on my account. I do n't understand how or why this has taken place. I have attached documents of student loans that were taken off my account history without my authority and attached previous reports that shows the deletions of Transunion of items that were wrongfully reinserted I will prosecute them to the fullest extent of the law. I was denied a job position because of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I received a notification from credit monitoring services stating that XXXX had done a hard credit check against my TransUnion credit report. I had not requested any credit from XXXXXXXX XXXX or XXXX XXXX, so this clearly constituted fraudulent activity. 

On the morning of XX/XX/XXXX, I contacted XXXX XXXX  by calling ( XXXX ) XXXX to report that I had not requested that any credit account be opened in my name. The customer agent told me that there was no record on file of any application for credit under my social security number. 

Also on the morning of XX/XX/XXXX, I contacted TransUnion at ( XXXX ) XXXX to dispute the credit check and report fraudulent activity. The TransUnion representative made a note on my file, but told me that XXXXXXXX XXXX would have to request that the credit checks be removed from my credit reports. 

On XX/XX/XXXX, I received a letter from XXXX XXXX saying that there was indeed an attempt to open a credit card in my name, but that the attempt was rejected due to an inability to verify my identity. This contradicts the information provided to me by the customer representative on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a letter to XXXX XXXX ( see attachment ) requesting that the hard credit check be removed from my credit report. I have not heard any response. As of XX/XX/XXXX, the hard pull is still showing on my credit report, adversely affecting my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX XXXX, 2015 I received notice from XXXX XXXX XXXX XXXX XXXX that the above referenced account would be closed from their files, and trade lines deleted from my credit file in accordance with the FTC Settlement : to Civil No. XXXX ; XXXX, Federal Trade Commission vs. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

XXXX months later, this trade line still shows on my credit report and is affecting my FICO score negatively. 

I have taken all steps necessary to correct my credit report, however, it appears that I will need enforcement at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I been trying ro get my credit score but when I check it it say I have a thin file but I would really like to get a car out butbwhen they run my credit it says XXXX can you please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We got an American Express Serve prepaid card through XXXX XXXX tax services to receive our tax refund. American Express has marked a legit transaction as fraudulent, and froze our card. We received an email with a link we could click to let them know it was legit, but upon doing so was told the link had expired or the issue had been closed. We've called the number on the back of the card to get the issue sorted and get the card unfroze, but the automated system has no option relating to this problem, and has no option listed to be transferred to a live agent. I've also tried calling another number I got from the American Express website, and all they can do is tell me to call the number on the back of the card that I've already tried. We've attempted to log on to the American Express Serve website, but after putting in our credentials and clicking log on, nothing happens. We've attempted this with XXXX different devices, only for all to have the same result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion refuses to delete this XXXX account from my report. 
The account was never in my name, I never applied for it, I never agreed to make payments on it, I never used it for credit or cash in any form, I never made payments on it. 
The account was strictly used for a business that I had no association or dealing with. 
XXXX took me to court last year to collect payment ( see court documents attached ) but had no evidence of my responsibility for the account or its balance due. Without any evidence, the case was dismissed on XXXX XXXX, XXXX, as the court documents show. 
TransUnion has NO documents from XXXX showing my responsibility. 
TransUnion has evidence from me showing NO responsibility for this account ( the admission by XXXX in court records ). I have disputed this with TransUnion 4 times since XXXX XXXX, XXXX with the same result. 
I need your help in deleting this XXXX account from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have Transunion to remove these inquiries from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Roughly 5 years ago, in my mid XXXX, I filed for bankruptcy. I hoped that by doing this in my early adult life, I could then be prepared to move forward with my life ( buying a home, starting a family ) in my XXXX. Now, at XXXX last XXXX XX/XX/2014 I started my search for a home! 

Upon receiving my pre-approval and getting my credit report, it was brought to my attention that there was an outstanding amount for {$3500.00} with XXXX on my report. I went back to my bankruptcy paperwork and yes, this {$3500.00} was in fact included in my bankruptcy -- it was paid, but somehow 5 years later was still a huge red flag of delinquency on my credit report. I could n't believe it had been sitting there for 5 years hitting my credit negatively. 

In XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX asking them to remove it. I did n't receive a response. When I called to follow up on the status, they directed met to call the XXXX credit bureaus to have them take it off on their end. I ended up getting in touch with TransUnion via a form, and received a cryptic response of their " investigation '' -- the amount still was on my credit report. 

Today, I sit in complete and utter sadness -- my loan for the home I 'm looking to purchase is at a dead stop because of this incorrect listing on my report. I spent most of yesterday ont he phone with XXXX, asking them to remove it as swiftly as possible ( I 'm t minus 4 days until my targeted closing date ). Their response : " an investigation will take XXXX hours and a solution could take XXXX more days on top of that to remove it ''. I more than likely will be losing my opportunity to purchase this home because of their lack of response to my initial letter in XXXX, and their incorrect, sloppy administrative practices -- XXXX months of " deliquent '' has been hitting my credit report and now, preventing me from obtaining a loan to buy a home, despite years of work to repair and move forward from my early credit issues. 

I 'm devastated and do n't really know where to turn at this point. I plan on following up with XXXX today to try to make them remove it again, but I 'm terrified the sellers will be backing out and additionally, I will lose the {$14000.00} deposit I 've already submitted. I ca n't believe this is happening ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation