BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX ACC # XXXX this is a fraud account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please update my number to my fraud alert to XXXX XXXX Those inquired are not mine XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX UNIVERSAL XXXX XXXX/XXXX/XXXX XXXX CARD BANKING XXXX XXXX/XXXX/XXXX XXXX BANK XXXX TU XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX STORES XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX CARD BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX CREDIT CARDXXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " XXXX '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditorsXXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

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 2016-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was being billed for yard waste/ refuse services at a residence I no longer owned /resided at and had requested service be discontinued. XXXX, the yard waste refuse company, continued to bill me and ultimately sent the bill to collections where it was identified as delinquent and impacted my credit score. I have attached all relevant documents to show this repeated error was entirely the fault XXXX.

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 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent my first letter to the company complaining about false information on my credit report on XX/XX/XXXX, it has now been well over 30 days and I still haven't received no results. 

Accounts : XXXX  Actions taking credit bureau is taking longer than 30 days.

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 2021-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Back in XXXX I sent a letter to Bank of America explaining we are having financial difficulties and being retired the health expenses have been increasing. I don't want to ignore my two account balances but I need to reduce the interest rate from 15.99 and 22.00 % to zero and lower the monthly payments at least for a year. 
They told me they do not have any program available and referred me to a consumer credit company, I contacted them but the offer was unacceptable as they intended to increase my monthly payment, which I can not afford.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
We set up payment for interest payment only for one loan and paid over every month. The extra money paid to the loan was not applied to the principal, it was applied to the monthly payment. We also called to get the two loans consolidated so that the payment would be lower. They said that we could not do that. I also asked about reducing the payments and they also said that they could not do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
To whom it may concernRe : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , fl XXXX ( XXXX ) XXXXXXXXAccount # XXXX WellsFargo Bank NAI filed this complain due to a fraud was made in my account on the month of XXXX XXXX, 2015 for the amount of {$5500.00} all this money was withdrawal from my account I was overseas when withdrawals were made in my account without my authorization. I filed a claim with the bank institution which in this case is WellsFargo Bank NA and followed all gave all my supported papers staying that i was not in the country at the time of this transactions. I filed this claim on XXXX XXXX,2015 and this is the claim number with WellsFargo XXXX. I have done XXXX claims and went to the police and no answer just denial that my money was going to refunded to me this is unacceptable they have no answer for me according to them i have my card and is the same card use along with my pin when all this withdrawals made in US and I were in XXXX and denied my claim. I am requesting help to get my money back and answer from this institution that has been playing with me is impossible I could had been XXXX different countries at the same time using my bank card. I would like for you to step on. and maybe they will give you more answer and explanation more then they have evade me with bunch of excuses that not make sense. I am attaching all supported documents that were provided to the bank Institution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

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 2017-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued.

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 2016-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX on XXXX/XXXX/2015 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

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 2016-12-10
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been getting charged insufficient fees from M & T Bank. WHen I call their customer service number, they tell me if I go into the negative, and bring it o a positive by the end of the next business day, that I will not get charged an insufficient fee. I have gotten XXXX fees in the art 2 months, and would like them credited back to my account. I did file a compliant with the bank itself, and a Manager called me, but, she said she could n't do anything about the call center calls, that someone else would have to handle that. I do n't agree with the fact that their customer service reps say one thing, then you call and ask if you can have the fees credited, and then they argue with you non-stop about it!!! Please help me in getting this rectified, as I would like to continue banking with this bank! Sincerely, A Very Dissatisfied Customer!!!

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 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX. Also, by TransUnion Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made XXXX aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.

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 2016-02-12
Company: Key 2 Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attended XXXX University XXXX in XXXX 2014, under the impression by accepting the " financial award letter '' that my schooling would be taken care of by a student loan. However, then this past XXXX, they began demanding payment in full. Including taking my XXXX tax refund. They have now began calling from the debt collector and I have asked for an attorney to assist me. I attempted contact a couple times via email, and had no success. The latest email from XXXX, and XXXX, had been pretty blunt and straight forward a blow off. On entering the school originally, I know that other students personally had problems with Al in financial aide returning or acknowledging communication. Had I been able to affor books this last year I would have went back, but was unable to. Amen I did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Receivables Management Partners, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have no idea what this is for. Never received any communication from this company to dispute this alleged debt or for this company to validate this alleged debt.

Company response to consumer: Closed
Consumer complaint received 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I ca n't communicate with the credit reporting company. Every time I try they inform me the information I provided was incorrect. The information I provided is the only information I have on me, my name, my address, my SSN, and my date of birth. This information have n't changed in over 25 years. For them to tell me this information is incorrect leads me to believe, that, maybe the information they have is incorrect. If so, the information they are reporting on me is inaccurate. I 'm just trying to submit documents to conclude a 6 year battle I had with student loans.

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 2016-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion credit bureau is adding someone else 's credit inquiries which are not mine on to my account, contacted Transunion regarding the same they have suggested me to contact the creditors so i did, but none of those creditors are able to find any opened account or credit inquiry done on my Name or Social security number or Address.

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 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/2016, inquiries were removed from my Transunion credit file and several days later they were placed back on my credit file. These inquiries were added back to my file and I was not notified in writing by Transunion. Per the Fair Credit Reporting Act ( FRCA ), Section 611 ( 5 ) ( b ) ( 2 ), that is against the law. I have tried for several days to speak with someone at Transunion, however I have not been able to speak to a person, but placed on hold several times for extended periods of time each time I call.

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 2015-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
THE COMPANT XXXX AUTO IN XXXX NEW MEXICO LET ME TEST DRIVE A AUTO TOOK MY LIC # AND SS # AND RAN A ILLEGAL REPORT TO ALL BUREAUS 16-TIMES ( INQUIRES ) WITHOUT SINGED PERMISSION.TRANS UNION HAS USED THIS TO DISCRIMINATE MY GOOD WORTHTHINESS, BECAUSE I 'M RETIRED.I HAE SENT IDENITY DOCUMENTS XXXX TIMES AND STILL NO REPORT TO DELETE THIS NO SIGNATURE PERMISSION FOR INQUIREIES ( 16 )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY CHAPTER XXXX FOR XXXX XXXX XXXX THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page XXXX MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE THEM ON MY REPORT. 

BANKRUTCY chapter XXXX for XXXX MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX XXXX NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA remove COAF INQUIRY ... DO NOT SAY VERIFIED I CALLED THEM AND THEY DO NOT KNOW WHO I AM AND HAVE NO PAPER TO SHOW I APPLYED FOR CREDIT. 
PER FCRA YOU MUST SHOW HOW YOU CORRECTED THE ITESM AND SHOW HOW YOU INVESTIGATED THE COURT ORDER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03
Company: OKCoin USA Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sent XXXX cyrptocoin ( {$940.00} ) to Okcoin exchange company on XXXX, the money did not go to my account and when I spoke to the support team they said that it was not credited to my account because I did not enter the memo code, then I sent the documents they requested and they did not deposit my money into my account with similar answers as we are working on it, even though I have asked many times. However, as they also accept, the money is transferred to the main account of Okcoin company, not to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
my dispute letters and explanations I filed with letters that i typed and checked status on were never investigated and i didnt have any help or tranfered to anyone that could assist me to make a better future for myself with all this hanging over my head and is keeping me from purchasing a car, house or anything dealing with credit. this was to dispute the issues on my report that were since XX/XX/XXXX and until XX/XX/XXXX

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 2016-06-27
Company: AFNI INC.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained XXXX XXXX services in XXXX XXXX against the advice of nearly everyone I knew. In XXXX XXXX, my fianc and I bought a house together, so I cancelled my contract with XXXX XXXX. Given I had a two year contract, I knew I 'd have to pay a penalty for canceling early. Given I was contractually bound to XXXX for two years, I paid the cancellation fee. XXXX XXXX sent me prepaid boxes in which to send back the equipment they had rented me. I followed the instructions exactly and left the equipment on my porch to be picked up as was instructed. It was picked up. Sometime after that, I started receiving collections calls related to not paying for the equipment. I followed up with XXXX and they refused to speak to me since the account had already been turned over to collections. Say what? After arguing with XXXX and the collection agency for several months, my wife finally paid it so that it would n't go against our credit. We went to apply for a mortgage for a new house today and guess what! My credit is XXXX - and that XXXX fee that for equipment that I RETURNED and eventually PAID FOR just to get them to leave me alone is lowering my credit by nearly XXXX points!! Given we are applying for a jumbo loan, this is catastrophic because now we no longer qualify!. I explained to my mortgage officer what happened and she mentioned to me that this is common with XXXX and XXXX - that after you return the equipment they continue to hound you for fees you do not owe. She suggested that I file a complaint through consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Credit Protection Association is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( Credit Protection Association ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief