BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-22
Company: ASSOCIATED BANC-CORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Associated Bank who I have been a customer with for over 10 years is continuing to add fees to an account that is already overdrawn. I am constantly getting conflicting information, I was told by the customer service toll free number that I could cash checks on my savings account since it had a positive balance, I was told at the branch that I would have to deposit my work check in the negative account even though I am not in the position to do that. I was at the bank on Saturday cashing a {$4.00} check and I heard the teller yell that my account was overdrawn which a few people overheard. The teller should have just given me the negative balance on a receipt and not yell it where other people could hear it. It was very unprofessional but the bank states they will close this account if the balance is not bought to a positive balance, the account will be closed on XXXX/XXXX/16. I have spoken to my other bank XXXX XXXX about not honoring my check but they are investigating this and I was advised it could take about XXXX days which means this will be resolved until XXXX/XXXX/16 per their calendar. I want all of the fees after XXXX/XXXX/16 to be credited back to the account because the account is already negative so need to add unnecessary fees to the account. I had Associated Bank collection calls and they claim my address is incorrect even though my address has been the same for over 12 years. They continued to call me even though they claim the information is not correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have ben gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed : 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 Bank XXXX/XXXX/XXXX XXXX XXXX Bank 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 explanation
Consumer complaint received 2015-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
This is XXXX complaint : today I found out the Bank of America received a property tax refund on XXXX XXXX XXXX in the amount of {$1000.00} for XXXX tax pre fund. We also have at least XXXX other refund for the year XXXX - XXXX due to my husband XXXX Veteran XXXX and other qualification. The B of America representative told me that this process can take up to 3 months to refund the money. I have been working on this since XXXX XXXX. My husband has a XXXX in XXXX XXXX & we are in a financial hardship ; Bank of America know this. They have charge us XXXX of dollars in excess overdraft fees and if we would of received the money on a timely basis this would not of occurred. They are earning millions of dollars in earnings credits. Hoe can a refund take 3 months? In addition theses refunds will lower my mortgage payment & apparently they do not want to do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: ALLY FINANCIAL INC.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I rec 'd a letter from Ally XXXX for a debt that is NOT ours. I verified this with my husband 's SS #. I told them XXXX to not contact us again via phone or letter or I would file a complaint with CFPB. I even wrote that on their letter and sent it back the next day. They even asked if I knew the person they were trying to reach. There are several people with the same name ... .I googled it. How would I know WHICH one they were looking for? Besides even if I did know ... ... it 's NONE OF MY BUSINESS!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
One of my addresses is listed at XXXX XXXX XXXX, XXXX XXXX XXXX. Year it is listred for I was XXXX at XXXX XXXX XXXX in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would like to place a complaint regarding TransUnion and the practice of reflecting duplicate collections for XXXX alleged item that is below {$600.00}. There were duplicated collections reflected on my TransUnion Credit Report in XX/XX/XXXX. The debt collector was posting duplicate items for XXXX account. I had to file XXXX disputes with the XXXX agencies ( XXXX, XXXX and TransUnion ) since the debt collector reported duplicate collections. XXXX and XXXX deleted XXXX of the XXXX the collections. However, TransUnion only deleted XXXX out of the XXXX. As of XXXX XXXX, there is another duplicated collection. This practice of filing multiple or duplicate collections drives my credit report extremely low. I was also never provided evidence of the collectible item for any of the items on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was trying to get my credit report from transunion and it did n't let me print it on my computer. so when it turned to a different page I went back to try to print it but it said error and I was n't able to print my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Scott Fetzer Financial Group Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
From XXXX to XXXX payments were not paid to company. Product had broke and I called company and was instructed to not pay until returned phone call. Was never told it would begin being put on my credit as missed payments and not ever called back. Has correct income but was instructed incorrectly by a member. Also, they have been reporting differently to different credit bureaus.

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 2015-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In addition to complaint ending XXXX, I have XXXX other accounts that are with XXXX XXXX XXXX XXXX that I am current on that are showing XXXX60 days late. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have notice over and over again my accoutn being minus and find myself paying well over {$200.00} of over draft fees. And thing that I pay via debit should automatically show as being cleared the smae day. Bank of America shows everything as processing even the things I have debited. They could not answer my question when I asked. Long story short they had to refund me {$320.00} because they were wrong. This has been going on for a while and I am sick and tired of wasting my time EVERYTIME this happens. For all I know they may owe me alot more money. Can someone please investigate this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an account on my credit report 10 years old. the company stated there was some activity on the account in XXXX. They keep trying to say account is unpaid and they sent me a letter in XXXX stating it was paid in full.

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 2016-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 consumer under Section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given, which is also a violation. I am requesting that ALL inquiries 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 2016-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I see XXXX hard Inquires on my report that I didnt file for some are from states ive never lived in and or even visted

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 2016-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After several low quotes for car financing, I decided to research my credit ( freeannualcreditreport.com or something like that ) and saw that my information has been merged with that of my father. He is XXXX XXXX XXXX, I am XXXX XXXX XXXX, same current address but obviously different date of birth and SS #. On the website I was able to see this and dispute it with XXXX reporter ( XXXX ) and not the other XXXX ( Transunion and XXXX ) due to failing the initial security questions which all used my father 's banking history. At present I have recieved some confirmation from Experian that negative information has been removed and have yet to make positive contact with Transunion & XXXX. Do I have to do this with every info provider? Will it update the other XXXX once I have done it on XXXX? Young married couple in desperate need of financing. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint because TRANSUNION has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 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 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 2015-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm not sure where this debt came from. I was an XXXX customer in 2010 I payed all my bills and returned the devices when my account ended. I checked on my credit report and saw that I had a claim from XXXX for {$320.00}. I do n't know where this collection came from.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion has not responded to any of my documentation and disputes XXXX to old files medical collections that are not mine

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 2016-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
( 1 ) There are XXXX separate collection charges for {$780.00} from different agencies. This is only XXXX unpaid bill. It is an ambulance charge. I have been told no medical charges are to be included in credit reports. 
( 2 ) The unpaid XXXX XXXX bill is likewise a medical charge from the same situation. As it is medical, should it be included? The actual emergency occurred 7 years ago when I was in a minimum wage job with no insurance. 
( 3 ) The XXXX account is the result of a neighbor getting my code, then getting into our home computers and again somehow getting the code when we changed it. XXXX was uncooperative in helping to resolve this matter. The unpaid charges are from the neighbor running up my bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was working with XXXX to repair my credit. I got in writing a log note from Allied stating if I came in and signed they would remove from credit. They forced me to sign a confession of judgment to go on a payment plan to repay the amount owed to Allied. Against my better judgment they told me they would not remove from credit unless I complied. I did so by signing the documents. Now, they are refusing to remove from my credit stating it wo n't be removed until it 's paid in full. This was not the agreement. This is causing my score to be in jeopardy through the credit bureaus and it 's causing me to be declined for a home loan. I have all the documents to back up what I am stating. This has been going on for three months now, with no progress.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account # XXXX for Department of XXXX was official discharged on XX/XX/XXXX and TransUnion continues to state that the creditor has reported to them that the account status as of XX/XX/XXXX is XXXX days past due. When I contacted XXXX they indicated that they have not reported on that account since XX/XX/XXXX, so they did not indicated that to any credit bureaus. I have disputed this inaccurate information about XXXX times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit. I have submitted supporting documents proving this account was discharged, so how can it be XXXX days past due as of XX/XX/XXXX if I no longer owe on that account?

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 2015-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have spoken to XXXX and reinstated my account with them and paid them current. They said if I did that the collection would be removed and it has not been. I need this corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Credit Karma, LLC
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have reason to believe my identity has been compromised through Credit Karma 's website. I have attempted to contact them requesting alternative ways to log into my account and they have neglected to respond or at the least even address my concerns. The profile is registered under an email account I have no knowledge of but I have a good idea of who the culprit could be. I intend on filing a police report report but it is rather distasteful a corporation can extend access to my identity in seconds but ca n't help me in attempts to protect my privacy ... if emails are being sent by Credit Karma they are being sent to the erroneous emails since they have n't bothered to respond with appropriate steps for me to access MY account.

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 2023-02-04
Company: EQUIFAX, INC.
State: NC
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:
To Whom it May Concern, I am sure you are well aware of the legal actions taken against XXXX XXXX XXXX in regards to their poor financing and reporting practices. I have obtained a copy of the Final Consent of Judgement against XXXX from the State of Pennsylvania ( where I purchased this vehicle ) and have had it reviewed and provided a copy for your records. 
My prior car loan with XXXX XXXX XXXX XXXX ( XXXX ) was opened XXXX XXXX  and there for falls into the dates included in the judgement which are XXXX XXXX XXXX XXXX XXXX XXXX. All orders of this judgement are dated effective as of XXXX XXXX XXXX 
Section XXXX of the judgement states " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement and it is to be removed from my credit file immediately. I have submitted multiple disputes to the ALL XXXX major credit bureaus ( Equifax, XXXX, and XXXX ) regarding removing this account from my credit report and each time it comes back as the information is validated as accurate, however that is 100 % incorrect as it should been removed because of this judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I reached out to Jefferson Capital Systems on XXXX/XXXX/2016 after finding a Collection account on my credit report on XXXX/XXXX/2016. I spoke with a male representative on the phone. After the gentleman was able to locate the account we verified some information and found that they had an incorrect address and the account was not verified. I explained to him my concern which was the credit collection report and improper notification & verification of this account. I told him I wanted to pay the account for the full balance due and have this removed because I was not properly notified. He furthered explained to me that the account was still owned by Jefferson Capital Systems, however, it was sent off to a 4th party collection agency and I would have to pay them. I then go into further detail about the issue now and explained that I did not feel comfortable paying another agency for collection owed to them. The gentleman told me, " I 'm sorry but there is nothing I can do. '' I advised him that I would be reaching out to several different agencies over this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a complaint in XXXX against my mortgage company Ocwen because they failed to update my credit reports. To date there is NOTHING on my XXXX report as if this loan does not exist and my XXXX XXXX report has NOT been updated since XXXX. This is the worst company I have ever had to deal with! I am filing this complaint again because dealing with Ocwen directly is useless.

Company response to consumer: Closed