BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have had my identity stolen and have spoke with alll XXXX bureaus and submitted paperwork and they have not complied with the law, they will nor remove the fraud items

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries 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 2016-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting this account as being paid late on XX/XX/2012. This account is being reported by XXXX which bought this account from XXXX XXXX long after XX/XX/2012. This account was never late. I contacted XXXX XXXX and the agree but they do not report this information to the credit agencies. They have supposedly contacted XXXX however this information is still not corrected. I am getting sent in circles.

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 2016-10-16
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern I would like to file a complaint regarding A mortgage modification from caliber home loans. I have been trying to get a home modification ever since XX/XX/XXXX when our mortgage was with XXXX. Since then my mortgage was transferred to XXXX then XXXX. In XX/XX/XXXX XXXX granted us a trial modification. We completed the trial modification on time and everything was fine. As we completed the trial modification our mortgage was sold to caliber home loans however they did not grant the modification. They kept telling us that they need more paperwork and more paperwork. However we kept sending them paperwork we then we 're given a date for foreclosure which we had to file for bankruptcy while we continue to wait for a modification. After years of trying to get a modification we seek help for funding from HEAMP and Pennsylvania house in the Authority assistance however we were told that we had an FHA mortgage so they denied us. They were only excepting conventional mortgages at the time. However recently within the past two weeks we found out when the mortgage was sold in the process to one of the different mortgage companies. We were switch from FHA to conventional mortgage. We are still trying to get a modification with caliber and we are now working with a third-party ( XXXX ) because of the back and forth with caliber. We again had to file bankruptcy because they keep asking for the same paper and foreclosed on us again. The third party as well as myself cooperated and sent everything in. They said we only need XXXX more documents. We sent those in. They said the need XXXX more documents those were sent in. We have been going through this too long. We were advised to file a complaint and this is what we are doing. Our hands are tied we have no where to go and we need help and assistance. I have proof of my situation that I will be sending in. The documents attached are recent letters of how they keep asking for the same information that they told me they received. They also let the third party know that they received these items. They were sent by myself and the third party. So they should have duplicate information. Also I will show how I was giving a trial modification from SPS. These will be on the attached documents. I have been going thru this since XXXX. For 2 years I have been trying for a modification and have been giving the run around. I am working with a third party and it 's still the same case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: General Motors Financial Company, Inc.
State: OR
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, XX/XX/XXXXXXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, AMERICREDIT add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have several companies that are showing bad credit for accounts that are over 10 years old. All the negative remarks are wrong except for the medical debts that were acquired in the past 3 years everything else is well over 7 years old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
this not my info. # XXXX please remove from all XXXX reports

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 2016-03-03
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 a security freez and i am a fraud victim and I have XXXX Showing on my transunion report and XXXX and XXXX and I dont do any of these companys and i do not own any one any money and they are contacting me and threating me to go to court and sue me and garnshise my wages from me. Please help me my email is XXXXXXXXXXXX how do i report these that are threathen me and cussing at me and telling me they are going to hurt 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 explanation
Consumer complaint received 2015-10-27
Company: ALLY FINANCIAL INC.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
My credit score is XXXX. Ally turned me down on a {$7500.00} loan on a {$47000.00} car. 
Dealer discount price was subject to a loan with Ally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I recently attempted to dispute inquiries on my credit report by phone and keep getting the run-arounds. After finally reaching someone they said they can be deleted since I am a victim of identity theft but said that I had to speak to the fraud/identity theft department ... After calling I was hung up on after waiting 20 minutes on hold. 

I have attached the inquiries that I am disputing as a result of identity theft. I have also attached a copy of my police 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 2015-07-30
Company: Home Point Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Hello I brought a home XXXX 2014 a XXXX time buyer XXXX XXXX woman and I was sold a house a complete lemon. Structural damage to my home that is so costly I will be unable to live in the home. I spent {$110000.00} for garbage. This was FHA loan but I really think the realtor was in on the scam. This house is not any good the seller moved to XXXX he hid so much with this house its unbelievable but the bugling wall with horizontal crack was right in the inspector face. I want justice in some way

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Pinnacle Credit Services, LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed this Debt XXXX times already. I have contacted the company. This collection agency has NEVER contacted me about this debt, they just slapped it on my credit report. The XXXX times I called them I was told they could not give me any information on this debt, had no bill and could not show me what they claim I owe this debt for. They could not provide me with that. This is a cell phone bill. It was with a different collection agency before and I went through this same thing with them. I have not had XXXX XXXX ( original debtor ) since 2009. I canceled the month-to-month service I had with them. ( I was no longer under contract, it had expired already ). My monthly bill was {$150.00} for cellular service and wireless internet, together. I canceled this XX/XX/2009. I was told when I canceled they would pro-rate that bill. I did not hear from XXXX or receive a final bill from them. Then here it is 8 years later and I am now having to dispute this because XXXX is stating I owe {$700.00}? for what? They canceled my service when I asked them to so its not for service. My phone was already paid for, I bought it outright before going to XXXX. So why cant they tell me what this bill is for? I did speak to a previous collection agency several years ago and I told them this very thing I am telling you and that I owed for the pro-rated XX/XX/XXXX but nothing more. I even offered to pay for the full month at {$150.00} and they refused to accept the payment. I know what I owed and I was willing to pay for the entire month but since they refused the money, I do not owe this debt. Please remove this from my credit report. You have never tried to contact me about this, have never been able to provide any proof ( or an actual bill ), you then refused a payment and those things alone tells me you do n't really want to collect on this, just want to keep me angry by keeping it on my credit report. I want this off my credit reports with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted TransUnion in 2014 regarding a student loan reports of 90-days late - although it says US Dept of Education/Direct Loan Service System on XXXX late reports, the DOE stated that it was not from them, rather another entity ( some prior loan servicer XXXX, out of NY state ), that they no longer use. Presently and when reported, XXXX/XXXX was/is handling my loan servicing. I asked them for help and they were not able to provide any further assistance either. 
The credit bureaus will NOT remove, even though there is no evidence regarding this report or incident. I was never served with any notes about late payments either ( which I never had, as my loans were under forbearance or in-school deferment, per the DOEs policies. ) Also, these loans are marked as closed, which they are n't and were n't. I never had my loans serviced by this entity either. Again, there are XXXX ( XXXX ) reports that are inaccurate. 
XXXX had this same dispute with them, and have removed it - confirmation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Access Capital Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I 've been trying to get this collection of my name or get it paid! I tried to dispute it but it know shows that this company sold it to a third party and its showing on my credit report as a recent collection of 90 days with a balance of XXXX my original creditor was city of XXXX with original balance of {$350.00}. when they decided to sell it to this XXXX company they decided to put it as a new collection that just open XX/XX/2016. I 'm trying to fight this collection because its not a recent one and the information is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification for over 2 years from my lender BSI Financial. They routinely turn me down for a loan modification for reasons that are false, ( this last time they said that I only make XXXX a month and that is not enough, but in reality I make over XXXX a month ). They never return my phone calls and I had to file chapter XXXX a year ago to keep them from selling my house out from underneath me. Until XXXX I was paying the Chapter XXXX trustee over XXXX a month and my loan payment of XXXX to BSI. But I have not paid them since XXXX but have stayed current on my payments to the Trustee. I have found thousands of consumer complaints about them and they have done everything possible to get me out of my house. Please help me keep my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
there is a collection account on my credit report from XX/XX/XXXX it was open from the XXXX account nubmber # XXXX there have not been no activity on this account and 30 years into i dispute it in XX/XX/XXXX the account is to old to stay on report you can call me at XXXX i can talk to you more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: FIRST HERITAGE CREDIT LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Fair Debt Collection Practices Act, 15 USC 1692 ( e ), violation. On XXXX XXXX, 2015 my spouse received a call from an unknown number. There was no message left. She then, received a text that said, " Hey girl, how are you? '' This content of this text leads my spouse to believe it 's from someone she has a personal relationship with ( a friend/acquaintance ). Since she was in a meeting she was unable to answer the phone but did respond to the text asking who the caller was. She receive no response and then sent another text asking the caller to call back and leave a message or to respond back with who it is. She received a response back asking her to just call when she was out. My spouse called the number after she got out of her meeting and it was a representative with First Heritage Credit of TN, LLC attempting to collect on the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18
Company: A.I.T. Credit Services Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
the debt collector calls my employer XXXX times a day and then he calls all my neighbors and defaming me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are several inaccurate address listed under personal information. 
The following addresses actually belong to my daughter who has a very similar name to mine : XXXX separate addresses on XXXX XXXX XXXX in XXXX, WI. I believe this occured when she submitted a change of address form in 2011 through the USPS. We were aware that there were issues with the automatic changing of addresses but were unaware that this was included on the credit report. 
The address on XXXX is also incorrect. My son lived at this address while in graduate school and this error most probably occurred with a USPS forwarding of mail at that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion and XXXX are reporting XXXX as an open collection item. I have clearly settled this, and this should be removed immediately. XXXX, the item is from an OLD debt.

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 2023-01-31
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I asked ALLY Bank close 4 No-Penalty CDs on XX/XX/2023. They did not close the accounts in 1-2 business days as promised. Some of the CDs took 6 days to close and one is still not closed as of today ( three weeks later ). I asked that the money from the closed CDs be transferred into a savings account at ALLY bank that paid a higher interest rate. Because the CD closures were delayed, I was paid a lower rate of interest on that money than I should have. I called many times asking them to rectify the situation and as of today, it still has not been resolved- despite the ALLY Bank agent saying that the Bank will correct the situation. I suspect that I am not the only customer who ALLY Bank underpaid interest. Most people don't notice or are too busy to chase them down. I have spent several hours on the phone and emailing them. 

If the CFPB investigates ALLY Bank, they XXXX find that ALLY Bank has a pattern of keeping money that is owed its customers. The ALLY Bank agent I spoke to said ALLY BANK has been understaffed. To rectify the situation, perhaps the CFPB can prevent ALLY from accepting new customers until it shows it has adequate staffing and can maintain proper internal controls. Or, perhaps ALLY Bank should be broken up into smaller banks that would be easier to manage. If there were more smaller banks wouldn't competition increase, so the quality of service in the industry would improve?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I requested that the XXXX credit reporting companys take off the reporting bankruptcy. I first filed on XXXX XXXX XXXX, but did not go on with it.It was dismissed But they keep reporting it like it still has happened. Also the same thing happened on XXXX XXXX. XXXX has reported XXXX different bankruptcy when none of them should be reporting at all. 
I have sent the XXXX companys copys of the dismissal letters but they seem to just keep reporting the same. I have been looking to get a home for my family, but cant because this is on my report.I also have multiple inquiries on my report that I would like to be removed, because of the bad reporting. please make them take this of my report. 
thank you for your support XXXX XXXX XXXX vet.

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 2015-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX XXXX, 2015 I disputed a tax lien that is invalid and inaccurately reported to my account and Transunion has failed to answer me, respond or send me any descriptions and procedures which I have requested and I have run out of patience as this has caused me tremendous stress and loss. I have sent them many request by mail to correct this and they have refused to cooperate. They are illegally reporting a tax lien under # XXXX. I have spoken to the agents who were very aggressive and rude to me, they have denied me any information on how they keep verifying this inaccuracy which was pulled off of my credit report by the State and has since been refunded to me. They are not properly doing their job in secrecy verified or investigating this item, which has left me unable to obtain credit and explain to my mortgage lender attempting to refinance my home. I begged and pleaded on the phone and by mail for them to discuss with me why they have not responded and who had verified this and they failed to provide me with an answer and the agent transferred me to their supervisors who hung up the phone one me while i was speaking to him last week. I have no options left. I have called the state department of recordings an they have informed me that there has not been any attempts made on my name to verify anything, nor are those liens on file with their offices, What is going on with this company? They have to understand what a nuisance this has been to me, and I fear that they do not want to admit any mistakes or take responsibility for the disputes I am raising against them. I will file a complaint with the XXXX as well to inform individuals who are suffering like me to fight this and contact attorney if they are able to. I can not believe how much they have ignored me and blindly verified fake listings with providing me any descriptions and procedures to go along with their results.

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