BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Please be advised that I see no other recourse but to file a complaint against XXXX XXXX XXXX XXXX XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued in XXXX. I was late with payments at least three times between the card inception and the beginning date on credit reporting on all three credit bureaus, which is XXXX XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, XXXX states a XXXX XXXX deletion of the account, Trans Union states an XXXX XXXX deletion date and XXXX states a XXXX XXXX deletion date. In essence, XXXX XXXX Bank XXXX XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval in XXXX. I am well within my right on such a request. XXXX XXXX XXXX XXXX XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
Just delete it already I am tired and contacting you again and again! I have done it for more than XXXX times but it's like you guys don't take things lightly.

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 2016-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Missing One of my major XXXX XXXX XXXX XXXX XXXX card ( credit:XXXX , history : 1+year ) from the TransUnion. XXXX and FICO score are correct. Bank is properly reporting my credit.

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 2016-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX, and TransUnion continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.

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 2016-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I reviewed a copy of my credit report and XXXX XXXX of XXXX ( XXXX ) accessed my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I never authorized such action in written nor verbal form in XXXX, as I took delivery of my car on XXXX XXXX, 2016. This constitutes a clear violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact XXXX XXXX of XXXX and XXXX, and investigate such occurrence. 

I contacted XXXX XXXX of XXXX who initiated the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. I have been in contact with a Finance Dept employee, XXXX. I have left voice mails for the General Manager, XXXX, that were not returned. Finally, after contacting XXXX XXXX XXXX offices, I received a call from XXXX XXXX the General Sales Manager, who warned me not to contact the credit bureaus and agreed to get XXXX Legal Department to have the inquiry removed. However, he is now unresponsive to several calls and voicemails. The inquiry remains as of this date on all XXXX of my credit reports. 

Please investigate this company. They are deceptive with no regard for consumers. The whole time I 've dealt with them, it 's been one lie after another while evading my calls.

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 2015-12-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased my vehicle back in XXXX 2015 - My XXXX payment was due XXXX/XXXX/2015 - I made that payment on time payment was made in full by XXXX/XXXX/2015. I then contacted Ally the next day to request a ddc. My next due date was not until XXXX but financially my due date being in the middle of month is a better fit. So I requested a ddc and the reps are telling me I must make half of my payment in order to get a due date change. I asked the rep why is it I need to make a partial payment when I just paid you guys the previous day and also my account is not even due at this time. They are unable to give me answer only to say this is company policy. I then was transferred to someone else because I need better understanding as to why this is needed. I was still unable to get an answer. The rep only told me to call in closer to my due date and request the ddc so I waited. I then contacted Ally XXXX/XXXX/2015 to request a ddc they then in turn told me again I have to now make a {$94.00} payment in order to get a ddc I asked for an explanation no rep could give me an answer other than its company policy. I requested supervisor at this time for better clarification on this. The manager still says its company policy, my question is why is it acceptable to collect on an account the is not even delinquent or past due. She could not give an answer only gave me options. Options were to pay XXXX and get due date change to XXXX, or wait until the day I can pay on XXXX I would not get a late fee due to the state but I may get a couple of calls. I do not want to the calls about a payment that can be paid on time and also if I were to pay XXXX and go past due I am still being charged a daily perdium on the loan due to the interest rate alone. The supervisor unfortunately still could not answer the question of why money is requested for an account that was not past due. Since I was getting no where with them I went ahead and went thru ddc process and paid {$100.00} to get it done. Today XXXX/XXXX/2015 Im still waiting for my paperwork to sign and send back my ddc has not been done I went ahead and paid my car payment for XXXX on XXXX/XXXX/2015 so I was charged for 3 days of extra interest which is very upsetting. This was a bad decision to have my car financed with such a money hungry company. I would like an explanation on why Im being charged for due date change and a payment is not due. I will be contacting a lawyer in regards to this to verify if this is even legal. This is a poor excuse for a company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was interested in a car insurance service but was surprised when their quote said I was getting a higher rate because my credit score from Transunion was XXXX. I generally have a very high credit score. I clicked over to Transunion 's website to check my credit score and discovered it was actually XXXX. As part of this process I was taken through a very non-transparent process wherein they made me a " member '' with a {$9.00} monthly fee despite no mention in the sign-up process that there would be a charge ( I discovered later that in the fine print of the terms and conditions I checked there was a stipulation that I would become a member and be charged a fee, but the actual fee was not detailed and never was it shown on the actual web portal, only buried in 12 pages of terms and conditions ). I then had to cancel and get refund from them. 

It was exactly the sort of behavior that is described in these articles that I discovered later : XXXX XXXX-XXXXXXXX, XXXX I think 1 ) they are selling a different score on their website than the one they are providing to the insurance company and 2 ) they are fraudulently getting people to sign up for memberships when all they want is their free credit report and in the process charging {$9.00} monthly for a service no one wants. It is shocking that it is continuing to go on especially since they so recently settled over the same issues. 

Please look into this further and protect consumers. I called them and insisted on a refund but many consumers would be less shrewd and more vulnerable.

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 2016-02-25
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 DOB XX/XX/XXXX Please be advised that this is my 9th REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! this need THIS MUST GO TO YOUR COSTUMER SERVICE DEPARTMENT!!!!!! IN THE USA NOT TO A XXXX this was your reply .... all wrong and was in violation of the FCRA Case number : XXXX Status Company responded Trans Union said : Explanation of closure The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnion 's policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Accounts included in the Bankruptcy filing to be reported for seven years from the date the bankruptcy was filed. 

The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written XXXX XXXX not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. 
WRONG THEY MUST HAVE PERMISSION. TO ACCESS MY REPORT THEY DID NOT!!!!!! 


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 TOWER FED XXXX XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA remove XXXX INQUIRY ... DO NOT SAY VERIFIED I CALLED THEM AND THEY DO NOT KNOW WHO I AM AND HAVE NO PAPER TO SHOW I APPLIED FOR CREDIT. 
PER FCRA YOU MUST SHOW HOW YOU CORRECTED THE ITEMS AND SHOW HOW YOU INVESTIGATED THE COURT ORDER. 

MY ID IS ATTACHED!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone opened up an account in my name that I never did I 'm only XXXX and never had an account before

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 2016-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A month ago I sent in a complaint to you about XXXX having informed me that information was compromised and that an at tmobile was opened in my name. I didnt do it. I complained to XXXX..they deleted the account along with a sprint account. They then said that they will contact the other XXXX agencies and have it removed as well. It was deleted. But as of today, its listed on my XXXX and TransUnion credit report when it wasnt last month. This has been going on for months now. They deleted it from all reports but now its back on my ransUnion and XXXX. I demand them to be taken off those reports. They are not mine. They were fraudulent accounts opened in my name. Ive attached the letter that experian sent in the very beginning Having to write all this again is very frustrating and time-consuming. In addition, I did get an autoloan ... at 20 % ... its because those XXXX accounts are on my report when they should n't have been. In turn impacted the interest on my auto loan. XXXX says my vantage is XXXX no accounts in collections. They got it right. Then credit karma says the other XXXX CRA TU and XXXX is XXXX XXXX. I dont understand but I demand that those accounts be deleted. There 's been a number of complaints that I have submitted. So I 'm a little confused as to who needs what and what goes to who. I think I 've attached the right documents. IT WAS DELETED BUT ITS BACK ON. checking this option wasnt available for my XXXX complaint from the pull down menu listed above )

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 2017-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't know who portfolio record is, I ca n't find anything about it regarding debt or where it came from. This is really hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Have made previous complaints regarding Portfolio Recovery. 
They received cease & desist order XXXX/XXXX/16. They violated order twice. Today call I missed ans. machine picked up, hang up. 
I called the # back, Phone answered " Thank you for calling Portfolio Recovery, this is an attempt to collect a debt ... an operator will be with you shortly ... '' Spoke with a person named XXXX, advised her that I was recording the call, She informed me that she had no record of my name & ask if I was sure that that this was the phone that I received the call on? She stated that perhaps they were trying to contact someone else ( that is their tactic ) they always ask for someone other than myself ) I informed her that this was the 2nd violation since cease & desist order was in place & to take me off their list, also that I would file report w/ CFPB. Have also filed complaint w/ " Do Not Call Registry '' Since they have no record of me, it is not a debt collect. This is Phone harassment that must not continue! I keep a phone log of my calls & have a sound file of last conversation. The # I was called from was XXXX. Reporting these violations alone does not seem capable of stopping them, they are breaking the law not only w/ me but other consumers across the US ? Stronger enforcement is needed. I plan to seek an attorney to represent me in this matter. Here I am again one more complaint filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Last active dates are different ( XX/XX/XXXX XX/XX/XXXX ), charge off/collection between XXXX XXXX XX/XX/XXXX but the month of XXXX no data provided. Past due amounts on closed accounts

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 2016-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Portfolio Recovery Associates , LLC sent me a collection notice XX/XX/XXXX on an account they purchased from XXXX XXXX. I then requested verification of this account due to the fact that over the past couple of years I have had XXXX previous groups attempt to collect on this same account, which I attempted verification, and neither company was able to provide verification on this debt. I explained to both of these companies I did not have a problem paying for my debts but I did go through a horrible financial divorce in which an ex husband frequently charged on several accounts in my name, and several years after the divorce I am still finding accounts in which I owe. If one were to view my credit report, there are no accounts in jeopardy except those from several years ago. Portfolio Recovery Responded with a letter stating they would verify this account within 90 days which is not satisfactory. During the 90 days, I was sent a collection notice from them requesting payment without verification and the payments or balance was due on the account by XX/XX/XXXX, which is in violation. I then received a verification from them on XX/XX/2016 which only included a few copied statements from the account but none of the other information requested. I then in return submitted another request for verification via certified mail dtd XX/XX/XXXX ( certified mail rcpt number XXXX ). On XX/XX/2016 I received a letter which I have enclosed from Portfolio Recovery Associates Dtd XX/XX/2016 requesting payment no later than XX/XX/2016 also stating account has been transferred to litigation WITHOUT providing proper verification once again!! This is ridiculous and I have dealt with this company on another occasion and the same thing happened. I have asked for items to verify the account and they have not been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They start calling at XXXX and call numerous times a day. Every day from different numbers for 2 weeks straight.

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 2016-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have continuously received several phone calls from Portofilo Recovery in regards to my XXXX XXXX credit cards. I have been unemployed since XXXX 2014. I receive no income. No employment. I currently reside with someone. I have made several efforts in retrieving employment by going on interviews and applying for jobs daily. XXXX XXXX can vouch for me when I say before my unemployment I was paying my credit card faithfully. Each time this agency contacts me I have to tell them each time nothing has yet to change with my income. I am then being asked can I borrow them money, am I married so that my spouse can help me pay out the money. Do I own or rent. I HAVE NO INCOME! While it is not my intentions to allow my debt to go unpaid at this current time I am unable to pay it. Once I am established it is my goal and duty to pay off my debts. It 's becoming a bit to much to receive calls as frequent as I do. Limit the calls some to at least once a month.

Company response to consumer: Closed with non-monetary relief