BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
CFPB report XXXX was filed on XXXX. I informed transunion that this was submitted by fraud and that they were suppose to have a block on my account. Transunion responded that they could not find the inquiry from one main in their records. attached is from the XXXX website showing that it is still in fact on my report, even after failing to put a lock on the account and stating it was not there. also, please note that there is a ftc id theft report ( # XXXX ) out there showing that this is a fraudulent inquiry that transunion did not prevent from happening as well as inquiry from clarity. rather then fixing these inquiries, the phone rep tried to upsell me into a different credit lock since they had not done theinitial one properly

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 2015-04-07
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This would be a complaint against XXXX, XXXX XXXX XXXX, and Equifax, who I use to monitor my credit activity. Below is the original complaint sent to the FCCXXXX has been trying to charge me for equipment that supposedly was not returned to them in XXXX. After much arguing, a manager found that I had shipped back the equipment, they were scanned in at the XXXX XXXX hub, and lost from that point. XXXX agreed to refund my account. But yesterday, the company filed a collection account against my credit via XXXX XXXX XXXX. I contacted the collection agency and they were able to see that I was in fact, owed a {$160.00}, which I have never received. I am also a current XXXX customer and my account is in good standing. I would like my {$160.00} refund and this removed from my credit immediatly. 

Equifax conducted their review and determined that the debt is mine. It absolutely is not. The representative at XXXX even advised that I was given a credit refund ( which I have never received ). I am a current XXXX customer in good standing. I paid that bill from XXXX in full and XXXX admitted that it was the carriers fault that they did not receive the equipment that they are charging me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is not reporting correctly to the Credit Bureaus. According to both TransUnion and XXXX my balance is {$2100.00} with the last reporting dates XXXX XXXX. That is inaccurate because according to XXXX XXXX XXXX XXXX website my balance is {$1000.00} with the last payment date as XXXX XXXX in the amount of 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 2015-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX account listed on my TransUnion credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. The other credit bureaus show the correct information and XXXX company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. I already submitted a CFPB complaint ( # XXXX ) and it was corrected by TransUnion ; then on XXXX/XXXX/15 it again shows as late. This account needs to be corrected again asap as I am trying to purchase a car and I ca n't get financing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I recently pulled a copy of my credit report and noticed that there were several unauthorized HARD inquiries that are damaging my credit score along with incorrect personal information. I reached out to the Bureaus via mail first. I sent them a letter stating that there is information being reported on my report that is false/inaccurate and that it needs to be removed immediately. I attached a copy of driver 's license and social security card to further prove my identity. After waiting several weeks, I received a vague response in the mail stating that they were not going to remove it. I then contacted the CB and had to deal with two reps before I had it escalated to a manager. From there, I explained to the supervisor that there were multiple discrepancies on my report on the personal information side as well as the hard inquiries. I had advised her that I have an XXXX Alert that is set in place so I was confused as to how and why this happened. She advised me that she would remove everything that we found to be wrong ( which was everything that I had wrote in the letter ) and that I should receive a letter in the mail with confirmation for everything we removed on that day. I have yet to receive that notice of deletion in the mail and seen where the CB has reinserted names I 've never been known by, as well as addresses, phone numbers and former employers in which I have never worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A revolving credit card account that I share with my wife was deleted from my credit reports. I am an authorized user on the account. I was told by TransUnion to contact XXXX XXXX to resolve the issue. XXXX XXXX assured and reassured me that it is a problem with the credit bureaus and that they have been reporting the account as they always have. However, after contacting the XXXX major bureaus ( XXXX, XXXX, and Transunion ) I was told that it is an issue with XXXX XXXX 's reporting because they only report information sent to them. I was also told a missing account is not technically a dispute, so filing one may not help at all. I just want the revolving account to be reported as it has always been reported so I can get a home loan! My credit worthiness is being misrepresented due to this lack of credit history showing on my reports. The bureaus blame the creditor, and the creditor is blaming the bureaus. I ca n't seem to get any of them to own up to being at fault for this error. I want the credit card account history to show on my credit reports as it always has - dating back to XX/XX/XXXX. I have attached copies of my free annual credit reports, accessed XX/XX/XXXX. I have also attached the merged report I received from my home loan lender showing the account is not on there as of XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I recently submitted a complaint against Ally Bank and this complaint has a lot to do with the first XXXX. 

In my previous complaint, I mentioned a conversation with a customer service representative named XXXX. Before that conversation with XXXX ended, I asked her if she could tell me the principle amount that was left on my auto loan. She could not find that information and transferred me to a customer service agent that could. Her name was XXXX and she refused to tell me what that principle amount that was left was! I explained to XXXX that it 's a simple interest loan which means that there is a finance charge that is tacked onto the principle amount. She said that the principle amount was {$14000.00}. I said that was the total amount left on the loan and again asked her what the principle amount was. She said that the {$14000.00} was the outstanding balance on the account as well. She would not answer my question and that was also very concerning for me. Ally wo n't tell me what the principle amount is, because if I pay that amount off first, they will lose out on the interest amount! XXXX said she would mail a letter explaining the loan ... it should be available on my online account but currently is not! 
I called Ally back, XXXX XXXX, 2016, at XXXX XXXX time XXXX I spoke to a representative by the name of XXXX. I asked him the same question regarding the principle amount remaining on my loan. He did n't have the answer and put me on hold and said that he would transfer me to someone who could answer that question. I was on hold for about 10 minutes before Ally disconnected the phone call. It appears that they do n't want me to know the principle amount owed because it is less than the {$14000.00} outstanding balance. And with a simple interest loan, if I pay the principle off first, Ally loses out on the interest. I know that there is a 6.74 % interest rate included in that outstanding balance. 
At that point, I was frustrated with Ally because here I am trying to work with them and it appears that they are trying to pull a fast XXXX on me. 
I need your help in resolving this issue. Ally was already found guilty of charging higher interest rates on minorities- which I happen to be- who applied for an auto loan and this is headed directly down that path. A simple breakdown on my loan is all that I 'm asking for. How much of the {$14000.00} is the principle amount? It can not be the principle and outstanding balance. The finance company for the last vehicle I bought, broke the loan down completely. The amount of the car, the interest rate, and the total dollar amount of the interest over the XXXX period. Surely Ally Bank can do this! Would you please assist me in finding out why Ally CAN NOT or WILL NOT provide me this information?

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: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I applied for XXXX and was discouraged by staff that I could not be able to get a chance for a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is reporting incorrectly, payments have been on time, the vehicle was turned in on time to the dealership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
paid off loan to car with XXXX checks. They cashed a XXXX check and a XXXX check almost 2 months ago. 
they said XXXX check was sent back ( however, no check received and bank statement shows they cashed check ) they kept XXXX check. 
they are now saying I own 3 months car payments and will repo vehicle despite them having almost XXXX they cashed to buy out vehicale and can not account for the money. 
I 've called 30 times, promised a call back and never given one. Told different story every time.

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

Complaint:
I had a property in XXXX, Oregon with a mortgage with XXXX XXXX Bank XXXX Indiana. An XXXX Deed was filed on XXXX XXXX, XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX Indiana sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX FIVE YEARS to finally finished the foreclosure of a property they already owned in XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint against TransUnion because they ignored my request to provide me with the documentations that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA, they are " required to promptly delete all information which can not be verified '', that I have disputed. Please resolve this problem as soon as possible. Thank You!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I spoke with the US Dept of Education in XXXX today regarding my $ XXXX student loan. They stated that they reported to the credit agencies way back at the end of XXXX, 2015, that my account was paid in full and that all remarks and negative history should have been removed. They said that it is the obligation of the Credit report agencies ( all XXXX ) to remove all information off my account permanently so it does not stay on my report for XXXX years. All this derogatory information is still on my credit report and it is now almost XXXX!! I have to move and this credit score is disrupting my life and unjustified!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: ALLY FINANCIAL INC.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX or XXXX there was an unauthorized payment taken from our Ally bank account. We called and closed the account. We have not used the account since. We transferred all our auto withdrawals to the new Ally account. 
XXXX they close ALL of our accounts with them and report use to consumerdebit.com When I asked them why they said that we had an overdraw on XXXX account from XXXX. I explained that the account was closed in XXXX and they needed to research their records. They refused to help me further and referred me to XXXX. I am paid a decent amount every two weeks and there is no reason an overdraw would go unpaid. They did not close that account and are now destroying my finances and refusing to review their mistake. They said they contacted us but my wife works at home and never received a call or email.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
yes i was able too get a defred car payment XXXX month from ally bank/my regular payment was XXXX a month??? they told me i could pay late fee which was half my car payment????? thry exstented my contract from XXXX 2018 too XXXX 2018???? i dont feel they gave me much of a break??? deffred mean skip the whole payment?????? they charged me late fee??? which is half my car payment?????? im hoping too get late feee credit too my account on next months payment??? XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
While monitoring my account of XXXX XXXX, I witnessed TransUnion Reinserted previously deleted information to my TransUnion report less that two weeks after receiving it. TransUnion deleted Hard Credit Inquiries on XXXX XXXX from my Credit, then for no apparant reason added them back to my credit report two weeks later. My husband had the same problem happen to him. This has caused a serious amount of stress to my husband and I who have been desperately trying to buy a house for the past 6 months. If it is true that the Credit Reporting agencies can not remove Credit Inquiries from your Credit Report within recieving notification from a creditor, I would like to know understand the likelihood of all XXXX creditors deleted the inquiries on the same day, then all XXXX creditors re-added the inquiry on the same day. My husband works in XXXX. We have the screenshots to prove it, the proof is also on our credit reports. This is not fair. They are messing with peoples lives because most people are not as observant. If it was n't bad enough that we had to fix a combined XXXX errors on our credit reports, this setback is heartbreaking.

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 2015-12-07
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a leased vehicle. When I turned it back to XXXX I was billed {$600.00}. I am XXXX yrs old, get food stamps and can not make ends meet. The lease had been paid by a relative who can no longer help. It was financed through Ally. I have been sending a {$10.00} check faithfully every month. However Multiple phone calls continue to come although I have contacted them both by phone and mail. Although I have blocked the calls they continue to leave messages which use up my meager allotment of minutes on my cell, my only phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. Also attempted to contact XXXX, XXXX etc. per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can 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 2015-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
first I never ever lived in XXXX, ,Mississipppi . Next I never apply for credit with XXXX Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The credit report for Trans Union states that I used XXXX % of my XXXX XXXX account. ..which is incorrect? I 'm guess that this mistake caused the credit score to decrease by XXXX. Why would XXXX XXXX let me put more on a card than the limit? Did n't happen!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I had around XXXX inquiries on my credit report because of XXXX XXXX XXXX XXXX, the dealership submitted my information to multiple lenders without my permission and around XXXX lenders pulled my credit report lending to an abundant amount of inquiries. I reached out to Transunion and was told that I needed to contact all creditors in order to get the inquiries removed. I received a letter from XXXX XXXX admitting they made a mistake in error but trying to contact XXXX lenders and having to explain the nature of the situation over and over again is ridiculous, I have had some luck with some lenders and no luck with others, I would like the credit union help me find a less strenuous way to get all these inquiries removed from 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 2015-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX has reported to trans union incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation