BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-30
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/15 a wire in the amount of {$60000.00} was wired to Specialized Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO in error. A second wire in the amount of {$16000.00} was also transferred to them, which was not in error, this wire paid off a valid account. SLS called on XXXX stating the wire was received by mistake and said they would return it. They did not. My bank recalled the wire on XXXX and XXXX. They have still not returned the money and refuse to speak with anyone about the account. An associate with XXXX Bank has authorization to speak with them but they are still refusing to acknowledge the situation. They are unlawfully holding {$69000.00} that does not belong to them. I need help getting this resolved ASAP. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Contact Transunion about a glitch that they had in XX/XX/XXXX they deleted my collections and inquiries and then 2 days later they were reinserted without proper notification representative was fully aware of glitch they had back n XXXX but he told me that he could n't help me about it that everything is back to normal I explained to customer care that they did not follow the proper procedures sending notifications in writing to customers about this issue that I was demanding for the items to be delete due to not receiving any notification from Transunion customer care replied sorry but he could n't do anything that it is not a Transunion issue. 
The following are the inquiries that were deleted XXXX XX/XX/XXXX,,, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXXXX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX , ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX ... 
XXXX Account # XXXX Account Type Collection services Balance {$270.00}

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 2015-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a student loan that went into default, I repaid it through the rehabilitation program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my fico score and this inaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Resurgent Capital Services L.P.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX  credit card way back in XXXX  card closed charge off paid that bill now resurgent bought a debt that was already solved and or someone else using it claiming to be me I'm not paying someone else who's claiming it my debt I wasn't even in the states during this time.i want that resurgent credit one card off my report credit limit was only XXXX XXXX this isn't my debt and this isn't right that wasn't me.wheres justice for me this isn't right.i want this removed...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hello, I recently disputed a lien on my credit file through the Direct Dispute portal via XXXX XXXX. 
Dispute was filed on XXXX XXXX 2016 and returned on XXXX XXXX 2016. With no investigation completed. This lien has been satisfied XXXX and has been removed from XXXX & XXXX I want this removed from my Transunion credit file asap. 

Thank you, 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 2015-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage if with XXXX. The servicer is XXXX. loan services. Our mortgage is in default but we have taken every step to rectify this mortgage. We no longer have any car payments, credit card balances or tuition payments. We only have our mortgage which we are trying to modify with SPS. They have to date given us no options even though our monthly gross income is over XXXX. Per the suit filed by the XXXX Treasury XXXX was to have programs available for homeowners such as us. They have never made the XXXX attempt to talk to us about our situation. 
We are asking for any assistance from you that would help us stay in our home. 

Thank you. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2014 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I previously disputed a creditors account with Transunion. I was first alerted to this delinquent account from " XXXX XXXX '' when I received an email from a credit monitoring service i subscribe to called XXXX XXXX, they alert you to any changes on your credit report. I immediately called on XXXX/XXXX/2016 the creditor " XXXX XXXX '' and asked for an explanation as to why this account was on my report, they could not give me any reason. I then asked for the information verifying the debt to be sent to me and to and to this date have received nothing. Below is an except I have copied directly from the CFPB website. 
" If the debt collector does n't provide that information in the first contact with you, it is required to send you a written notice including that information within five days after contacting you '' To reiterate I have not received any information from this company. Transunion states they verified the debt which I find highly impossible considering I was never sent information backing this claim. Please delete the account " XXXX '' from my credit report. Thank you

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 2017-01-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been charged extremely high capitalized interest to loans in times of hardship and I believe the interest rate is extremely high. Please help me. I owe nearly twice the amount I borrowed even though I have paid for years. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello. Someone is using my social security number and applying for credit in my name. I found this out because I received an alert from my credit monitoring agency showing that credit has been applied for in my name. The company is called XXXX and they are a debt collection company for a mattress company, XXXX. I have not applied for credit through this company. This company appears to be out of XXXX and/or XXXX and I live in XXXX. Furthermore, I have a mattress, I would never rent to own a mattress and I am a person with an outstanding payment history. I have reached out to XXXX XXXX at XXXX XXXX XXXX and she will not help me. I told her that I can send her whatever she needs to verify my identity and that the person who applied for credit is using the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as it too is listed on my credit report and that I have never lived in that state. However, she still will not remove the item. Can you please help me?

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 2016-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX account was removed however a collection agency placed themselves on my credit and the credit bureau nor the collection agency has failed to remove the fraudulent account from my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XXXX XXXX placed an inquiry on my XXXX credit bureau which needs to be removed It is lowering my credit 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 2016-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX collection according my is not mine identify theft also attached a copy of my police report number

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 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There was a problem, where Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I 've been affected gravely and my score is suffering as a result. No notice was given whatsoever, which is also a violation and I am requesting that the inquiries be removed : Please.. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Thanking you in Advance for your assistance.

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 2016-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently got my credit report which showed my credit scores. TransUnion and XXXX have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY XXXX. Apparently this is not happened according to XXXX. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to XXXX who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for Full Access Mtg XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX XXXX XXXX XXXX XXXX as well on XXXX/XXXX/XXXX all within 30 days ; XXXX Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from XXXX who is the XXXX that report the scores ; and I ca n't get help from the reporting agencies who feed the info to XXXX -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
paid " interest-saver '' payment to capital one, then still was charged interest. spoke to their customer service and they stated " you must pay this 2 months in a row to avoid interest ''. no where in their billing statements or website does it stipulate this additional requirement. customer service refused to remove my interest charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX is supposed to be deleted from my reports all 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 2015-07-13
Company: ALLY FINANCIAL INC.
State: RI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
When the lease on my Jeep Liberty expired I turned-in the vehicle to XXXX XXXX XXXX in XXXX, RI. The vehicle was inspected by the salesman, XXXX, and it was found to be undamaged. About five days later, the vehicle was moved to another location and inspected by an Ally Financial ( financiers of the lease ) representative who found scratches and gouges on the vehicle that were not there when I turned-in the vehicle to XXXX XXXX XXXX. The salesman, XXXX, called Ally and disputed their findings. Ally called me this morning and said that are not going to wave the {$350.00} they are demanding and are threatening me with adverse action to my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is written in reference to Transunion Credit Reporting Agency. I feel my federal rights have been violated in regards to credit reporting. I intend to file charges against this company. The lawsuit will be due to the utter lack of response from the company. When someone is a victim of wrong information being put on their credit file, it is simply a nightmare trying to get inaccurate/ misleading information removed from a credit file. I have contacted all the creditors in question listed on my credit file. I have challenged all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit, documents with my signature constituting obligations that I have entered into business with them etc. I asked for proof of the alleged debt from each creditor. So far none of them has been able to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any debt can be validated. Which leads me to wonder, how is Transunion stating accounts are " verified '' on my credit report. The letters I receive from Transunion states accounts " verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to XXXX up numbers in their database is no sufficient verification. Now I am prepared to sue Transunion for being such a pain in the posterior to me. I have provided more than enough evidence to support my claim.

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 2015-04-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
It is several accounts that are incorrect, XXXX XXXX XXXX XXXX ( XXXX XXXX online XXXX ), XXXX ( XXXX ) SERVICES, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX,, XXXX XXXX, ( 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 2016-07-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I think 90 days is a more than reasonable amount of time for the credit bureaus to do there research to determine that accounts are not valid. I have XXXX accounts XXXX of them are collections that have been merged to my file. Like I said I have waited 90 days and I hoping you can assist me before I take legal action. 
Please aid me in having the XXXX accounts below removed from my profile- so far I have never received a response from Experian XXXX 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 2016-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting XXXX student loans on my credit report that do not belong there and the other XXXX credit bureaus already removed them. 

XXXX - XXXX XXXX - XXXX 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