BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have filed numerous complaints and disputes with Transunion, and as a monthly subscriber to their credit services, I have to say that I 'm appalled by their level of paying-customer service, much less attention to the needs of the consumer. Once they open an investigation, it essentially FREEZES the entire credit report during the dispute process, which takes approx. 30 days for each dispute. This means, that even though I have daily access to view updated credit reports, they information is static. 
On 10+ occasions during the past month, I have contacted them concerning an account to which I was listed as an " authorized user ''. This account was supposed to be removed over XXXX days ago, but they have failed to remove it. This past occurrence, I was instructed on XXXX XXXX that I would need to dispute the information directly with the creditor and file a dispute with Transunion. I did just that, and now they are approximately 20+ days into that dispute and have not contacted the creditor once. I spent over 4 hours on the phone with several departments within the creditor, and they assured me that nobody from ANY credit agency has contacted them, much less Transunion. 
I 've attempted to upload files to their dispute process, but since my report/file is completely frozen, it is impossible to do so. I 've tried faxing in supporting documents to the number they provided, but the fax # has been busy for 10 straight days. I 've tried calling them to request an email address I can send supporting documents to, and they attempt to convince me that nobody in their company has an email address. 
To date, I have contacted XXXX XXXX XXXX XXXX Credit Card ( XXXX the same place ) and have removed myself as an authorized user for the account. My wife is the only person financially responsible for this account, and I have supporting documents to show this removal. I 've attempted to have this resolved quickly by Transunion, but they seem content to not do anything in terms of an actual investigation and are failing service expectations miserably.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within XXXX mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I do NOT have a Social Security Number, and i can prove it by a oficial document issued by the Social Security Agency, but Transunion INVENTED a fraudulent Social Security Number for my credit file! 
This is causing a Financial Hardship, since every time I try to get credit, Transunion sends a fraud alert to the financial institution, and they are denying credit to me due to this reason. 
I have have already disputed this information more than 5 times and Transunion does n't take action to correct this!

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 2016-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report as well as the corresponding inquiries : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX BANK Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX COLLECTION ACCOUNT XXXX IN Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX , XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Banking Creditor Name : XXXX ITS A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was trying to verify my identity in order to rent an apartment. However, I failed the identity verification XXXX via phone. Although, I have answered the questions correctly, I somehow managed to fail my own identity. 
I wrote down the questions and the answer choices given to me, and there were a few answer choices that came out on both phone calls -- I am assuming those are the " correct '' answers that they were looking for, although they were all false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never had a XXXX before, but for some reason there is XXXX showing on my credit report and it is past due. This is fraud and not mine. This has caused my score to go down a lot and has prevented me from getting a job. 
This needs to be removed ASAP and investigated. 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 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/XXXX we bought a new vehicle from a car dealership whom bought the previous vehicle financed by XXXX XXXX XXXX. The dealership sent the total payoff to XXXX XXXX XXXX before the 30 day mark. We noticed the inaccuracy immediately and informed this credit bureau. The creditor stated that they do not see where they reported it this way. XXXX instantly took it off after contacting the creditor. 

This CRA sent us investigation results stating that they verified the status. How is this possible? On my credit report ( which is attached ) under the STATUS it is reporting LATE and 30 days past due. This CRA is reporting inaccurate information and lying to consumers to save money by not fully doing their job to investigate inaccurate information for consumers. 

This inaccuracy is keeping us from getting approved for a new home and causing us financial damage and emotion duress. 

Please help us take action against this company, thank you for publishing tips on hiring legal counsel to help file a lawsuit. 

Thank you, 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 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Transunion is the only credit reporting agency that is requesting proof of my current mailing address in order to put a fraud alert on my account. They have historically had wildly incorrect information on my account ( that is different from the XXXX other agencies ) and I could never get them to respond appropriately or resolve after providing proof. Now they are mailing a notice to a mailing address I have been at for 15 years asking for me to prove it is my current address every 90 days when every other agency is renewing a fraud alert on my account that I requested. I refuse to send additional info to the only agency that ca n't keep proper records from the start like the other agencies do and this is irritating that they wo n't put a fraud alert on my account at my request when I had fraud activity on my verizon account that indicated my ssn was compromised. My address has n't changed in 15 years and they are n't sure what it is?? Please do something about credit reporting agencies that forces them to keep proper records, handle requests appropriately and take fraud alert requests seriously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
ACCOUNT RESOLUTION SERVICE # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ACCOUNT RESOLUTION SERVICE. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ACCOUNT RESOLUTION SERVICE purport I owe. I request that ACCOUNT RESOLUTION SERVICE. 
Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ACCOUNT RESOLUTION SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section 1317.031

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 2018-05-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Wells Fargo 's website has been down for a week. I have gotten this message every time I try to log in : We're sorry, our system is temporarily unavailable Our system is currently unavailable, and we apologize for any inconvenience. Please try again later or call us : For account questions, please use the phone directory to find the appropriate customer service number. 
To pay a bill : XXXX For assistance with brokerage accounts : XXXX To apply for an account : XXXX ( XXXX ) To find out more about Wells Fargo accounts and services, customer service options, and locations, please go to our homepage. 

I can not log in to view my charges. They will not give me an idea of when it will be fixed. This is particularly troubling because I can not log in to pay my bill, and I have had fraudulent charges on my bill in the last two weeks and I can not log in to ensure these charges were 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 2017-04-28
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Previous CFPB Complaint #  XXXX . I have been requesting Fedloan Servicing provide me with itemized billing of how my payments are being applied to the  Public Service Loan Forgiveness  program since  XXXX . I have loans that were transferred to Fedloan Servicing since  XXXX , that I have made payments on every month except for  6-9  mths of possible deferments, that show I have only 2 years worth of payments on. This can not be possible! I realized a discrepancy with my PSLF payments in  XXXX  and have made countless requests with Fedloan Servicing since this time. My efforts to get a full accounting of my PSLF payments have been to no avail. I therefore submitted a complaint with CFPB in   XXXX   XXXX   to which the servicer stated they would be sending me a full accounting of my PSLF payments under separate cover. To date, I have received NOTHING! My frustration is compounded by the fact that Fedloan Servicing is the SOLE servicer of the PSLF program. So even if I transferred my loans to another servicer, I would still be forced to deal with Fedloan servicing for the accounting of my PSLF. Today, on  XX/XX/XXXX , I have spoken with  XXXX , a supervisor in Fedloan Servicing 's PSLF department who stated she was putting in an expedited request on my behalf and I would have a response in  3-5  bus. days. Although her tone seemed genuine,  XXXX  is now the  4th  rep who has told me that an expedited request was being put in the system on my behalf since my CFPB complaint in   XXXX   XXXX  . I have no faith in Fedloan Servicing 's ability to live up to its promises. They are by far, the worst servicer of student loans I have dealt with. Both  XXXX  and  XXXX  did far better jobs servicing my loans than this company. I would like the CFPB to do a serious inquiry into Fedloan Servicing and its  PSLF accounting prac tices. With this abysmal level of service, I can not imagine I am the only person having problems with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX Loan {$40000.00} Currently closed was forgiven by XXXX in response to the Government lawsuit investigation regarding Financial Fraud during the XX/XX/XXXX Housing crisis. I would like it cleared from my credit report since it improperly reports as a foreclosure. I am including the forgiveness letter that I received in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
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:
on XXXX/XXXX/16 i sent several letters to transunion reguarding inquires that contain inaccurte information abour two weeks later i received the same number of form letters from transunion saying thank you for your questions about inquires then went on to explain what inquires were i called transunion the person was in a foren country and had vary bad XXXX after about an hour i was able to understand that trans union dose not investigate inaccurt information regarding inquires the following are inquires that contain inaccurt information all inquires in question are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. trans unions 30 day investigation time limit is up a few days ago another phone call showed that nothing was done as to investigation or removal of the inquires in question

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
They never sent me any signed copy of original agreement between creditor or collection agency or send me any proof that they have a right to collect in my state. Also there and hard inquiries that do n't belong to me i have ask for them to be remove for over two weeks

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 2021-02-16
Company: LAND HOME FINANCIAL SERVICES
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I called for pay off amount. XX/XX/XXXX they said it was mailed out. XX/XX/XXXX I called never received in the mail. So they said they would email it. XX/XX/XXXX I called said never got the email. They said oh we can't email unless you have attorney. I don't so they said we will mail it to you again. XX/XX/XXXX called said it has not came in mail. They said well we will fax to you. Never came. XX/XX/XXXX I called they said I don't know why it has not came but you will need to contact our attorney. I asked why would they tell me all this bs. I asked to speak to a supervisor they refused to send me to one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was denied renewal of a credit card due to " an adverse account '' as reported by TransUnion. The unpaid account is an electric bill in XXXX. I have lived in XXXX all of my life and could not have incurred an electric bill in XXXX. I have disputed this info twice with TransUnion and they continue to send me this same report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I opened my accounts at Santander late last year, the manager of the XXXX branch told several lies during the process. XXXX key ones were 1 ) that I had to open XXXX accounts -- that was the current offering and 2 ) that he could give me the same overdraft credit that I had at my previous bank. He said very clearly that that was already approved. Several months later, I 'm not working and not making direct deposits. As a result, I 'm overdrawn and have been receiving phone calls from the bank, and am paying maintenance fees on XXXX accounts. While the current manager has been sympathetic, I do n't feel that Santander is fully responding to such a serious problem. 
In the short term, I would like all my account fees paid to date to be refunded and for an emergency line of credit to be extended. I was told that I had access to {$2000.00} in credit, and Santander should honor that even if the proper application was not taken. In the long term, I would like Santander to contact every customer who opened an account during that period at that branch and verify that they understand the products they purchased and that they have what they were told they have.

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
Consumer complaint received 2017-02-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2017, I received repeated and annoying phone calls from Nissan Motor Acceptance Corporation. There were four phone calls. The phone calls occurred at XXXX, XXXX, and two calls back to back at XXXX. This is in direct violation of the fair debt collection practices act. Considering this is the second time within a two month span that I have been a victim of a violation of this act from the same company, I am led to believe that something more egregious is happening. Therefore, it may be necessary for me to involve an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt from a debt collection company, that sent me a letter stating that I pay a certain amount to be taken off my credit report. The letter stated I pay 50 % of the bill, that will bring the account to a XXXX balance and it will be deleted off my credit report. I 've called several times after I made the payment because they subtracted the money I paid which made it balance that I would owed. I 've disputed with the credit bureau and submitted documentation to prove my case, but yet, still see this account on my credit report. However, they did bring the balance to a XXXX balance but have not removed it off my credit report. I 've called them since then about this situation and all they have done was give me the run-arounds - but the second time I called, I finally got someone by the name of, XXXX XXXX. She was the one that I told I made the payment but the account was not at a zero balance. She claimed I did n't make the payment on time - so I had to go to my bank statement and tell her what day I paid it on, which was before the date that was stated on the letter. I am filing a complaint today because this company is not a worthy company. They show poorly representation and false advertisement, per documents! I was to pay {$190.00} which include {$7.00} for a collection fee but ended up paying that collection fee twice. Just to clarify!

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