BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: TCF NATIONAL BANK
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Reference Complaint ID XXXX. Lender started calling again from a local phone number ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX ( Arizona time ). Gateway One Lending and Finance called me again on XX/XX/XXXX. The representative 's name was XXXX and they wanted to discuss payment for an XXXX. I have already informed this company back on XX/XX/XXXX and XX/XX/XXXX that I was n't the XXXX XXXX they were looking for. They apologized and said that the person doing the investigations was new and in training. They said they would n't call me anymore. Well, it 's 3 months later and they 've started calling me again. I told XXXX, it was n't me and he asked me, did n't you just say your name was XXXX XXXX? '' I said it was but I 'm not the XXXX XXXX from XXXX, CA who bought an XXXX. I told him I 've already gone round and round with their staff back in XX/XX/XXXX. I asked for a letter resolving this issue and I never received anything. I requested to speak with a supervisor. Will put me on hold and then came back and said his supervisor was n't available at the moment. I asked for that supervisor to contact me to have this resolved.

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 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX 
ACCOUNT # XXXX THIS IS A INVALD COLLECTION ACCOUNT. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH XXXX and Transunion. THIS WAS A IDENTITY THEFT CASE. TRANSUNION PLEASE REMOVE THE COLLECTION 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 explanation
Consumer complaint received 2020-04-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I posted my timeshare week of XX/XX/20 - XX/XX/20 on XXXX for my XXXX XXXX XXXX XXXX XXXX for {$2300.00}, and specified " no refund for cancellation ''. On XX/XX/20 I rented to XXXX XXXX and she used Paypal to pay for rent at {$1900.00}, Around 1 week before check-in day ( XX/XX/20 ), she wanted to cancel the vacation and asked refund of {$1900.00}, I told her that there is no refund, because XXXX didn't close the resort, and I didn't stop her taking the vacation, according to Federal law, if she cancelled it, then she can not get the refund even it's beause of COVID19, According to Paypal that she filed an " unauthorized transaction '' with her bank ( or credit card ), so Paypal put an - {$1900.00} on my Paypal account without hearing my side of the story. I tried every way possible with Paypal ( online chat, message, emails, ... ) to resolve this matter to no avil, The money matter is between Paypal and my renter XXXX XXXX 's bank which I have no idea who that is, and I can't talk to her bank. So I desperately need your help to solve this problem, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
noticed that my credit scores continue to drop. See attached documents from XXXX. Nothing received from credit agencies on why scores continue to drop. 
Continues to have a devastating impact on credit worthiness. 
Attached documents submitted to support case numbers XXXX ; XXXX ; XXXX. 
These scores could prove negative, when decisions are to be made on a recent request to refinancing VA loan. Continues to have a devastation impact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: ALLY FINANCIAL INC.
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I HAVE A ALLY BANK ACCOUNT DID A DEPOSIT IN THE SAVING ACCOUNT .I HAVE A CHECHING ACCOUNT TO. THEY PUT THE MONEY IN THE ACCOUNT NEXT DAY BUT PUT A HOLD ONTHE FUNDS TO MONDAY I WAITING UP TO TRANSFER THE XXXX TO CHECKING AT XXXX DID NOT HAPPEN LIKE IT SHOULD THEY ARE IN PA SO IT WOULD HAVE BEEN XXXX AZ TIME .THEN INSTEAD OF PULLING THE XXXX FROM THE SAVING THEY PAIDED AND GAVE ME A XXXX OVERDRAFT FEE. I CALL IN TO GET THE FEE REMOVED AND PAY THE XXXX THEY TURNED IT DOWN. I WAS GOING TO CLOSE THE ACCOUNT. SO I DONT HAVE ALLY BANK PROBEMS THEY PUT HOLDS ON FUNDS TO MAKE MONEY OFF IT SO I CANT GET MY MONEY. I CALLED ALLY WAS TOLD BY CUSTMER SERVICE AS LONG AS I DONT HAVE XXXX TRANS ON SAVING I WOULD NOT BE CHARGED FOR COVING THE XXXX DOLLLARS FROM THE SAVING. MONDAY THE XXXX WAS THIER SO I PULLED IT TO MY ORTHER ACCOUNT KNOW TUESDAY THEY PUT A BLOCK ON THE ACCOUNT SO I CANT GET THE MONEY.AD THE TRAS I PUT THOUGHT WITH MY ORTHER BANK WILL OVER DRALL THE ACCOUNTAGAIN AND GET A NEW XXXX FEE. I REPORTED TO OCC CASE # XXXX AND THEY SENT TO FDIC CASE # XXXX THEY SAID TO REPORT THIS TO YOU THEY DONT KNOW WHAT OFFICE CONTROLLS ALLY BANK!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name in the credits report is wrong in the trans union report my correct name is XXXX XXXX and in the report say XXXX isnt XXXX its XXXX XXXX XXXX may fix the problem please because this has cause that i cant see my credit scores thanks

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 2017-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Account not reporting correctly. Account is reporting past the terms allow. Account is updated with new information & dates to justify longer terms. Reporting inaccuracies and not making correction instead it states verified.

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 2015-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? 
It was n't there in XX/XX/XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I used the annual credit report site, entered all required data, XXXX and TransUnion both said they could not confirm identity, did not even offer an chance to access XXXX, and there were no options to find out why they could not confirm identity, the only option was to back out and then wait a year to try again. I used the phone to request the reports and they needed less info than online, but said it would take 3 weeks before I got it when I needed it for a legal matter right now. All I can say is that this site is about as useful as your other one, the 'Do Not Call Registry ', and that is sarcasm, not praise.

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 2015-03-31
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I filed a chapter XXXX in 2012 its been discharged since XXXX 2012 and I have a mortgage with Wells Fargo I never late in my payment from the day XXXX purchased my home until this time and also when I filled BK I never included my home. Since the BK my mortgage is not reporting on my credit which when I called to inquire why is not reporting Wells Fargo is keep telling me its protected by BK and also I did n't reaffirmed it. When I talk to legal advisors would tell me the I cant reaffirmed a mortgage which secured by deed. called back wells fargo they are not welling to help me since 2012 my mortgage is not reporting on my credit i need this to resolve, there is no judge will rule a reaffirmed in Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a plumber? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was rong illed and XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track XXXX.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted .. the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via XXXX, was defuncted and took new capital investors to maked good, but only ater lost of service.. we bought ddition protection thru nh mall XXXX store ... this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX XXXX in XXXX XXXX XXXX for XXXX knew and promised corrective action ... we got bill saying it was pas due on exac same day to our po box a collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou XXXX 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 2015-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX account # XXXX I have insurance, I paid my Deductible/co-pay at the hospital and even recieved a refund for overpayment of the deductible. I never recieved a bill after XXXX. I have no idea why this is in collections they should bill the insurance ; So far as I know I am not responsible for this bill ; neither have they provided me a copy of the bill so that I could present it to my insurance carrier. They have no right to place this on my credit report without notification of a bill being due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wellsfargo delayed processing of smaller transactions in order to allow a larger XXXX to post and cause XXXX additional overdraft fees instead of XXXX. This means I 'm getting billed {$140.00} in fees instead of {$35.00}. The XXXX other transactions were all under {$10.00} each.

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 2016-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX this account is old and still reporting way further back than it needs. As well creditor agreed same stating deliquincies listed though i dispute are from well over 5 years ago. 

XXXX bureau still reporting another old delinquincy, grantor states should not go back this far XXXX XXXX fraud account XXXX fraudulent inquiries XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a computer breach in their system that violated the rights of their consumers under section FCRA 611 5 ( b ). I have been gravely affected and my credit score is suffering as a results. The computer glitch that caused all of the inquiries on my credit report to be deleted and my credit score increased. The very next week all of the inquiries were re-inserted to my credit report without prior written authorization and are in direct violation of section 611 of the fair credit reporting act. I have spoken with a rep at Trans Union who acknowledged that the security breach happened but they refuse to fix the error on my credit report. I am requesting that the following reinserted inquires be removed immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX Inquiry XX/XX/XXXX XXXX CARD Inquiry 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 2017-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a letters to TRANSUNION disputing the credit reporting on the following items on XX/XX/XXXX which they received on XXXX ( XXXX XXXX : XXXX, XXXX, XXXX ) : XXXX - XXXX XXXX XXXX PAYMENT STATUSES IN XX/XX/XXXX AND XX/XX/XXXX on all XXXX accounts with XXXX. 
CREDIT XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XX/XX/XXXX AND XX/XX/XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XX/XX/XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. I sent them letters again on XX/XX/XXXX ( This time all in XXXX envelope, tracking number XXXX XXXX XXXX XXXX XXXX ) and still have not received anything back from them. It has been more than XXXX days since my original letters sent. 

When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.

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 2015-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a delinquency on my credit report which is not mine and this needs to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Pacific Union Financial, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had an approval letter for this file but the buyer walked away. I sent a new contract on XX/XX/XXXX but I am getting no response. We would like to transfer this so we can get this closed asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Creditor Contact Details XXXX, TX, XXXX Direct Dispute Account was included in Chapter # XXXX Bankruptcy XXXX XXXX, 2015, Account should Reflect closed.

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 2016-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I originally had XXXX inquiries on my transunion report. I added XXXX more within the last two months for a total of XXXX within the last year. 
Every week, the entire XXXX inquiries are deleted for no reason. A week later, the XXXX inquiries are re added lowering my score. These same inquiries have been removed and re added several times. I am trying to rebuild my credit and this has dramatically lowered my score. This needs to stop. They need to stay on or stay off. It 's ruining 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 non-monetary relief
Consumer complaint received 2017-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XX/XX/XXXX I sent a certified letter to Transunion regarding incorrect personal information and unauthorized hard inquiries showing on my file. I have written and spoken to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. XXXX and XXXX ( XXXX ) even were not able to find an inquiry with my SNN in their system and told me to resolve directly with Transunion. 
On XX/XX/XXXX I received my annual credit report from Transunion with a general letter explaining what was the inquiry. No results of the investigation were provided. 
I was in contact with Transunion XX/XX/XXXX and XX/XX/XXXX ( if I am not wrong ), in an attempt to dispute hard inquiries currently showing on my credit file. 
I spoke to Customer Service Representative and Supervisors. They stated that I could not dispute inquiries, because they were factual. I needed to contact the company instead of disputing with Transunion. I explained them that some creditors were unable to even find those inquiries in their system and told me to call back to Transunion. The supervisor said that they would not investigate and I had to contact creditors if creditors would not investigate I had to leave it as it was. I asked her to provide everything she said in writing and she refused. I then informed her that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. Nothing happened. 
In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I currently have the following inquiries to be disputed : XXXX Date- XXXX XXXX Date XX/XX/XXXX XXXX Date- XX/XX/XXXX XXXX Date- XX/XX/XXXX and XX/XX/XXXX XXXX Date- XX/XX/XXXX and XX/XX/XXXX I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation. I want all fraudulent and unauthorized information to be deleted from my credit report. 

I also sent them a letter that I have received fro XXXX directly ( not XXXX ) telling that these inquiries were not authorized but should be removed but Transunion did n't remove them.

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