BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-13
Company: ALLY FINANCIAL INC.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I paid off my account in full on XXXX/XXXX/XXXX and Ally Financial sent me the title to my vehicle 5 days later. On XXXX/XXXX/XXXX I received an alert from my credit monitoring agency that Ally has reported they are in the process of repossessing my vehicle. I called Ally and they confirm the vehicle is paid in full and there report was sent to the credit bureau in error. While on the phone with the rep. he says he submitted a dispute with the XXXX credit reporting agencies. Dispute confirmation # XXXX and that it will be resolved and I should get a response within 7 business days. 
On XXXX/XXXX/XXXX - Check checked my credit monitoring profile and discovered that Ally Financial reported on XXXX/XXXX/XXXX to XXXX ( and perhaps the other agency ) that they repossessed my vehicle on XXXX/XXXX/XXXX. 

I called filed a complaint against the credit bureau with CFPB straightaway as I could not get anyone their to discuss this issue with. 

Immediately after, I called Ally Financial and explained the situation to the american rep. She checked my file and discovered the dispute # XXXX filed with the credit bureau ( s ) last week by their rep. was filed incorrectly as they did not received a confirmation. She offered to resubmit it today. I requested to speak with a manager as it is quite clear to me at this point that the employees at Ally Financial are incompetent. I was told a mgr. is not available and that one will call me back within 24 hours. First they send erroneous information to the credit bureau, then they were not efficient in disputing the information with the credit bureau. I will contact my local T.V. station ( XXXX ) and my local newspaper and notify them of this issue including the fact that I have submitted a complaint with you the CFPB on XXXX/XXXX/XXXX at XXXX XXXX pacific time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Arcadia Holdings, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a call on my answering machine announcing that I needed to call back a number about a debt issue. XXXX day later I received a collection notice for {$78.00} for date of service XXXX/XXXX/2015 from Arcadia Recovery Bureau for a doctor charge from XXXX of 2015. 
Checked my EOB/Medical file to find that I never received a bill from the provider. 
I contacted the provider University XXXX XXXX XXXX XXXX. They told me that they had sent a bill on XXXX/XXXX/2015 that was returned from the PO stating " temporary out of town and can not deliver ''. At that point they told me their policy was to flag the account for that invoice and future invoices for collection. 
1. I do not understand how that policy can be legal. The creditor must do due diligence to make an attempt to collect the debt before turning it over to a collection agency. Automatically flagging an account does not constitute due diligence. 
2. XXXX further told me that they have so many patients that is the only way they can handle the billing process. Just because they do not have the proper man power does not mean they have the right to put a persons credit record in jeopardy. They have my home number, my cell phone number, my email address and a messaging system from XXXX XXXX XXXX in place to contact me. 
3. Flagging an account because of a temporary mail delivery issue is not the patient 's fault. On the hospital side I still receive bills and process them for payment. They have access to all those records and should be able to determine if the mailing address is correct. 
4. The message left by the collection agency disclosed debt collection information and my name on an answering machine that is available to other individuals. That can not be legal. 
5. I believe XXXX 's billing system is flawed, prejudicial and illegal and I need help to shut it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I fell for TransUnion Interactive 's Credit Report and Monitoring offer of a {$1.00} trial, only to discover that there was no usable information included ( like my credit report ). For that, I had to sign up for another $ XXXX, which I did, naturally with the understanding that I would have full access to all three bureaus ' reports for 30 days. Not only were these SIGNIFICANTLY limited versions of my credit reports ( compared to the free reports from all three agencies I obtained a month ago ), making comparison all but impossible, I learned today that you ca n't actually access them for 30 days if you do n't pay an additional {$17.00} within 7 days to continue the initial " membership. '' And of course, there is no refund for this bait and switch ... all I could do was cancel both the membership and the credit report access before I got automatically charged for renewal, and as a result I immediately lost all access to even this limited information. This is a SCAM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX lives at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I have sent you my Drivers License. Her social security is XXXX. 
She does not do business with XXXX, XXXX, XXXX, and XXXX of the XXXX Bank XXXX are not hers. PLEASE DELETE THESE INQUIRIES.

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 2015-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
In the last few months I have sent to TransUnion the documentation they requested to provide me a copy of my credit report. In each instance TransUnion mails a notice back that the documentation provided was not a qualifying document, or did not meet their requirements in some other way. 

TransUnion also will not allow me to access my credit report on their website, and will no longer supply my credit information to XXXX. TransUnion does not allow me to dispute errors on my credit report online with my online login XXXXXXXXXXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I simply requested the reason why my score dropped from XXXX to XXXX. I was informed this information was not available.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was convicted of XXXX in XXXX in XXXX XXXX, XXXX and was in a collections status on XXXX XXXX. The collections company and the XXXX XXXX XXXX did not have the correct address for me on a collections notice for the XXXX fines dated XXXX XXXX, XXXX. My address at that time was at XXXX XXXX XXXX XXXX, XXXX, XXXX and the address the collections company sent the attached collections notice to was an old address of XXXX XXXX XXXX, XXXX XXXX XXXX in XXXXXXXX. I actually received the collections notice XXXX XXXX, XXXX and paid the {$2400.00} on XXXX XXXX, XXXX within 30 days. I had provided the court the proper address before XXXX XXXX, XXXX but they sent it to the wrong address anyway, resulting in the almost 3 month time delay as a result of their mistake. Because I paid the outstanding balance within a reasonable period of time, 30 days, I feel that the court caused the late collections activity because of their incorrect address error. I contacted the court and they even admit that they made a mistake and had the correct address on XXXX XXXX, XXXX but are refusing to remove the Collections Account marker on the Trans Union report. They originally showed the collections account not being paid in XXXX XXXX but then revised it after it was paid. However I maintain that the collections account would have been paid several months sooner had the collections agency and court had my correct address. 

Additionally, the fines were not assessed until I was convicted, which was not on XXXX/XXXX/XXXX as indicated in the Trans Union report, but rather on XXXX XXXX, XXXX, which is the date shown on my XXXX conviction papers. Therefore the item should be removed since it is inaccurate as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I contacted them to dispute items that I did not recall or recognize on my credit report. I requested that documentation ( i.e contracts or agreements to pay ) with my signature be provided to me to validate that the accounts were mine. I received a summary of disputes, bot not one piece of information validating that any of these accounts belong to me. It is my belief that these accounts can not be validated and that is why the information I requested was not sent to me. It has been over 30 days since I requested 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 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
TransUnion has refused to stop allowing an collection agency to report incorrect information on my credit report. XXXX receivedan email from the reporting student loan company that they had the wrong person. TransUnion was made aware of the email and the fact that the student loan told XXXX that they had the wrong person in writing. TransUnion has denied me the right to good credit with this incorrect information. This is affecting my life and my kids life. I 'm a homeless mother trying to buy a house. I ca n't with the fact that TransUnion is ruining my life and any chance of financial help due to misleading information that is placed on my credit report. I 've filed a lawsuit against TransUnion because of how I was treated by them and the lack of concern that was givven to my identity theft case and proof that the company admitted that they had the wrong person. They said they did n't care do what I had to do so that 's exactly what I did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I paid Transunion Credit Reporting fees for services and when I attempt to do anything in the amount of total of {$49.00} in last two weeks and we I attempt to use the services it continues to take me to page to pay another {$29.00} for all XXXX companies and debt analysis and they already recieved it and I email attached showing transaction # XXXX the payment was made. I con firmed payment made via card. 
They have incorrect information, they have incomplete information and they want more to correct.

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 2015-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company 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: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have judgements on my transunion credit report that have been paid off and should never have been reported. The sums were paid in full. I am still a resident of the apartment complex. I would like for these items to 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 2015-06-02
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 am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the account 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 matter 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 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XX/XX/2016. Despite this fraud alert an individual, XXXX, the finance manager at XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX, IL XXXX # XXXX ). repeatedly attempted to secure a loan through XXXX banks XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX for a brand new Chevy Corvette. I became aware of this on XX/XX/2016 when I received a phone call from the dealership and the XXXX loan officers. As is not standard when authorizing a hard pull XXXX accepted an inbound, not outbound, call and spoke to the criminal using my identity to secure information to make an inquiry on my credit. The individual ( s ) at XXXX XXXX should have notified the XXXX Police Department immediately as they could have potentially apprehended the criminal using my identity fraudulently - instead XXXX and the unknown salesperson continued to try and gain access to my credit and get the loan financed. This violates the fraud alert and compromises my identity and safety even further. XXXX needs to immediately work with TransUnion and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement.

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 2015-12-05
Company: Credit Karma, LLC
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I want to start building credit and tried checking my info on credit karma, ive put my name down with every address i lived on and it tells me the info i put is false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: ALLY FINANCIAL INC.
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have been adding extra money to my auto monthly payment and it is not being applied to the principle. Instead, they send me my next statement with a lower payment.

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 2016-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Listed below under XXXX, highlighted there is XXXX account that has been removed- but that is that is still being reported incorrectly as of XXXX XXXX 2016 by Transunion . 
I have disputed this and they have yet to resolve.

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 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XXXX 2015 I paid several outstanding medical bills. These were removed from my credit report only to be re-added again. I contacted both Trans Union ( I have heard nothing ) and the collection service. They promised to have these items removed 3 weeks ago. That was supposed to happen within 7 days. Its has not. 

My credit rating rose to XXXX XXXX XXXX and and 2 days later dropped to XXXX. This was direct result of the paid items being re-added. I was about to refinance my home and am now unable to secure a better rate. 

Thank-you for your assistance in this matter.

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 2015-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I was married in 2012 and changed my name. I notified TransUnion and they failed to update my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have just co-signed the financing of a vehicle from XXXX of NY today ( XX/XX/2018 ) and have noticed that in addition to the bank and autocompany credit inquiries, there is a third that I do not recognize : XXXX XXXX, XXXX Inquiry : XX/XX/2018 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I did not approve this and do not approve this. I am worried as to where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: ARS National Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from ARS. They were notified that the debt does not belong to me. I requested validation within 30 days, which I received 3 months later a statement for an address I have n't lived for at least 7 years. I asked for proof of whom and when the fraudulent account was opened and never received that. My mother faxed over documents to them and they sent a letter for me to my mothers job. I want them to STOP sending collection noticies to my mother 's job ... ( XXXX XXXX XXXX XXXX ). I gave them my PO Box address to send any communication ( XXXX XXXX, XXXX, NY XXXX ). I want to receive proof of whomever and when this account was opened and I want to stop the harassment collection actions and also to have them remove the fraudulent information off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have repeatedly disputed the derogatory items with Transunion. XXXX and XXXX have removed the fraudulent items that I disputed upon verifying that they were fraudulent debts and not mine. however Transunion refuses to assist and help me in removing these items, leaving me no choice but to write a complaint. Transunion needs to remove the items from my credit report because they have been proven to not belong to me.

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