BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent attempt to apply for a credit card using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with XXXX, Transunion, and XXXX. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!

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 2015-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX COURT XXXX FL. XXXX REFERENCE XXXX XXXX INFORMATION FOR LONG TIME I CALL THE COURT ABOUT A YEAR THEY THEY AGREED THAT IS NOT ME BUT NEVER CAME OF MY RECORDS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Account Discovery Systems, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was called by a collection agency ( Account Discover Systems ) regarding someone else 's debt. I instructed them not to call my number and the representative I spoke with got rude with me. I asked for her to stop calling my number with regards to the person 's debt, and she still insisted on getting smart with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because I have been ignored by the Transunion. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.

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 2016-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been trying to prove that XXXX XXXX XXXX is trying to collect on a debt that is uncollectable. Because the debt is Unverifiable accordingly to the FCRA. If a debt is unverifiable and the original credit is not trying to collect the debt and has not hired a collection company to collect the debt. Then it can not be collected in my case I use to stay at the XXXX XXXX XXXX XXXX XXXX. I moved out of the complex and the owners XXXX XXXX XXXX sold the property and handed all old account over to the new owners. So, they had no obligation after the sell of the property to collect the debt. The new owners which is XXXX XXXX XXXX has not hired any debt collectors to collect on this debt. So, therefore XXXX XXXX XXXX has not right to try and collect on a debt that they have not been hired for by XXXX XXXX XXXX. Nor should they be able to collect on a debt in which XXXX XXXX XXXX is not trying to collect after the sale of the commercial property. I have a audio recording with me XXXX XXXX, XXXX XXXX my personal consultant, and XXXX XXXX XXXX employee talking about the collection efforts on this debt. Also, I have a letter from XXXX XXXX XXXX stating they are not trying to collect on this debut. I have a case file already on XXXX XXXX XXXX but they know their company is in violation of my rights so they want talk with my personal consultant about this debt anymore. They will not answer back to the CFPB case I file on them already. So, I want to deal directly with the Credit Bureau 's myself in removing this debt off my credit 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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX and credit reporting agency are refusing to adhere to FCRA and the FTC guidelines and regulations. My personal information that was used to establish unauthorized accounts by my alleged ex is the same information that is being used to verify accounts not opened by myself. 

Please refer to FTC Theft Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I discovered an XXXX unknown medical accounts on my TransUnion credit report back in XXXX 2015. They are both from XXXX. I sent a letter to XXXX XXXX XXXX via certified mail on XXXX XXXX, 2015 and it was received on XXXX XXXX,2015, requesting validation and have n't received a valid response. I sent a dispute to TransUnion XXXX XXXX, 2015. TransUnion responded in a letter dated XXXX/XXXX/2015 that they Verified, no change to both accounts. TransUnions refusal to properly investigate is a violation of the FCRA and FACTA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-05-19
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX on XX/XX/XXXX for services i did not have insurance at the time and i was unable to pay the bill. I kept my billing information to eventually pay off the bill. i started to make payments toward the XX/XX/XXXX and i paid off the bill in XX/XX/XXXX. in XX/XX/XXXX i recieved a bill from a collection agency that says i owe XXXX dollars in which i do not owe. i continue to be mislead about my account and what is being done to fix this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09
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:
At the time of the lease agreement, I was under legal age to sign lease agreement. I was still in XXXX school and on the lease we agreed he was head of house hold. I had no job just school That was also written on the lease XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a dispute with Transunion Credit Bureau for an account with creditor XXXX on behalf of XXXX on XXXX and it was suppose to be resolved on XXXX. The account is incorrect because I have never opened an account with XXXX or did business with them. I sent XXXX a certified letter disputing this and asking for proof on how this was opened and never received a response back. So I called Transunion to find out why it was still open and on my report and they stated it was verified. I asked them how they verified and I was not able to get an answer. This account does not belong to me and it was removed from the other credit Bureaus except Transunion. In addition I have attached a copy of the receipt of the certified letter I sent.

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 2015-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been sending letters to the bureaus since XXXX 2015. I am not sure if the bureaus are doing proper investigations but the XXXX on my report keeps a new date of last activity even though I settled this a long time ago. This date being updated is illegal and hindering me from moving on with my life and crushing my scores. Please intervene and make them remove it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: ALLY FINANCIAL INC.
State: CT
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I have CDs with Ally Bank which were expiring on XXXX XXXX. Ally Bank automatically renewed those CDs into a 5 year term and when I called in to complain and move the money out they want to charge an {$80.00} fee per CD. This seems grossly unfair to 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 monetary relief
Consumer complaint received 2016-08-24
Company: Partners Financial Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This company called my employer to a contact # that is not mine directly. Left a voice mail message with an unknown party in an executive office " Investor relations '' stating on the voice mail that this is regarding collection of a charged off loan lone of credit even checking account balances. This VM was forwarded to me " transcribed '' from this executive officer of our company. Humiliating, and I do not even know what this debt is regarding. But they disclosed collection information on the VM they left, and it was NOT my direct voice mail box.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been greatly 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 inquires 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 2016-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my credit back towards the end of XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to TranUnion and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2017-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2017    Bank of America Complaint with CFPB I talked with  2 re presentitives with bank of america on the date shown above. I have a credit card with the company. I am currently going through an economic hardship. I informed the representitive initially that at points in time i was having trouble with basic living expenses. I was informed that Bank of America was not able to do anything for me. I asked to speak with a supervisor named  XXXX  at BOFA. He asked about my income and asked me if i was able to afford basic living expenses. Isnt it embarrassing enough having to tell a complete stranger your struggling putting food on the table. He informed me he was unable to set up a payment program with me and informed me that I should miss my payment on my credit card so I could buy food. You would think, logically, that if a person was struggling so bad and had a hard time paying for basic living expenses that BOFA could have helped in anyway. You know what the answer was? NO. They told me to skip my payment, get a late fee, and  XXXX  up my credit so i could buy food. They didnt do a  XXXX  thing for me. They dont give a  XXXX  about their customers. They dont care about their customers well-being. They dont understand what struggle is. All they know is how to literally  XXXX  people with interest and fees. They didnt help me at all. The policy they have at BOFA is horrible. Once I pay off this credit card with them i am never doing business with them again. I wanted to inform the CFPB of this matter because if someone is going through a struggle and BOFA knows you are having trouble paying for living expenses, they wont help with any payment options. They will literally tell you, *sorry there 's nothing I can do f or you. * T hanks a lot Bank of America for nothing.

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 2015-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Continuous fraudulent charges have been on my XXXX credit card for a total of {$570.00} ( See attachment XXXX ). The charges have been happening since XXXX 2013 and have been carried out by XXXX companies, XXXX XXXX and XXXX XXXX, which are associated with the XXXX XXXX XXXX XXXX XXXX conglomerate. Bank of America desestimated my claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am doing mortgage shopping. I applied for pre-approval at XXXX different places within 13 days and got hit hard by it. My score when down XXXX points. It was my understanding that they show as XXXX inquiry and does n't affect much but XXXX points?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a dispute with Equifax , saying that a XXXX XXXX account was reporting as a charge-off, when it should be reported as included in bankruptcy. I uploaded documents showing concrete proof that the XXXX XXXX account was included in bankruptcy, yet Equifax refused to correct the error. 

I 've attached the documents : one showing that in XXXX the XXXX XXXX account was included in my bankruptcy. The second is my Chapter XXXX discharge form in XXXX, showing that my bankruptcy case had been discharged. I do not understand why Equifax dismissed these documents, when they CLEARLY prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
They have n't removed XXXX address where I have never lived and it has caused me problems when I apply for credit. The addresses are XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I have lived in only XXXX states in the past 45 years and that 's XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Numerous times I have submitted a request to have information blocked from my credit report as a result of identity theft. I have included the police report, identity theft affidavit and all other requested information. The credit bureau still refuses to block the information. I do n't know where to go now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has consistently refused a direct request by XXXX XXXX XXXX to remove negative reporting of their loan # XXXX XXXX XXXX XXXX XXXX California.This is in violation and has also been reported to The California Department of Justice.Equifax does not or has not looked at the word rescind which is used in XXXX XXXX XXXX language,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There is no way to dispute this on the online equifax reporting method and I could not obtain a phone number to call. There are numerous accounts on my credit report that are no longer considered in my average account age

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: EQUIFAX, INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was denied a loan by the XXXX XXXX XXXX. The denial stated it was based upon information provided by Equifax, XXXX XXXX XXXX, XXXX GA XXXX. The denial stated that I was eligible for a free copy of this report and stated that it was my legal right to obtain this information. On XXXX XXXX, 2015, I requested a copy of the report with a letter to Equifax. Equifax has not responded and I am requesting your agency help in requiring Equifax to meet it 's legal obligation to send the credit report they maintain on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are behind on our mortgage with carrington mortgage service because of following what  XXXX  told us to do when we were doing  s  modification with  XXXX  (  XXXX  had told us not to make a payment while they were doing the modification ) during that time our home was hit by a major hail storm.   Insurance put carrington & is on the insurance check.   Carrington has our funds that we need to fix our home & will not release them.   We have done everything that they want us to do, but every time when we 've done that they change the rules.   Currently we are trying to get our home painted. Did everything they asked but now carrington is telling us that we have to hire a licensed contractor to paint it.   No painting company is licensed! & by telling us to hire a contractor that is licensed the painter will be a sub & it will add thousands to the cost, that carrington say we will have to pay!   I believe what they 're doing is no different than what  XXXX  did!   By forcing us to pay thousands extra we ca n't catch up on our mortgage!   They are doing this to hundreds possibly thousands of people! Forcing them to go into foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Ex ( XXXX XXXX XXXX, Date of Birth XXXX/XXXX/XXXX ) seems to have had XXXX credit card ending with XXXX issued under my name, and not made payments since XXXX XXXX, thus going to collection agenciesI contacted XXXX fraud investigationThey are investigating it along with local investigators in XXXX, IL police departmentPlease make sure My crdedit score is readjustedThe lady investigating this credit card fraud from XXXX XXXX XXXX who can be reached at XXXX XXXX XXXX would appreciate if this credit card fraud is reported to other XXXX credit bureausMy name XXXX XXXX XXXX of birth XXXX/XXXX/XXXX and can be reached at XXXX

Company response to consumer: Closed with non-monetary relief