BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Received TRANSUNION credit file # XXXX dated XXXX/XXXX/2016. Continues to remark " BANKRUPTCY DISMISSED '' on XXXX XXXX XXXX account # XXXX and XXXX XXXX account XXXX TRANSUNION has removed these bankruptcy comments from other accounts

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 2016-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Today, XXXX XXXX, I noticed XXXX reduced my credit limit after Transunion reported to them that my credit score is much lower than it was six months ago -- XXXX points lower. And I have never been late on payments this year. Or last year. This is a travesty, and I will get a lawyer to sue XXXX, and Transunion for doing this repeatedly over the years. I have hired an attorney previously who managed to get my credit score increased across the board to almost XXXX. Now XXXX score is listed as : XXXX. Absolutely mind-boggling. I 've had it! Gon na take legal action now. But CFPB should intervene here.

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 2017-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is reporting a public record as a tax lien and not a tax judgement. I was told by New York that that it was a XXXX then a judgement. It is being incorrectly reported.

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 2015-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a 30 and 60 day late notice on my credit that was reported by XXXX. I disputed with XXXX and Transunion but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX could have provided a coutesy removal of late notices but did not contact them in time ... XXXX is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX but XXXX XXXX was unwilling to proect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently submitted a request for investigation of the following Accounts : XXXX # XXXX XXXX # XXXX. 
XXXX. # XXXX these accounts where disputed and never deleted. 
FCRA Act 609 ( a1 ) ( e2 ), 623 ( a1 ) violation please all accounts delete. 
This account is in dispute with the original creditor error please delete accounts. 


This which you DECLINED. I sent info for TransUnion or agent of TransUnion to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

If you had investigated properly, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' 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 explanation
Consumer complaint received 2016-04-01
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Rewards

Complaint:
I opened a credit card account with BBVA Compass on XXXX XXXX, XXXX. I was offered a promotion to open the account, which was XXXX bonus points for net purchases of {$1000.00} over the first 90 days. The promotion was for opening a BBVA Compass XXXX XXXX XXXX card. I went over the {$1000.00} mark in spending on XXXX XXXX, XXXX, according to my records and confirmed by a BBVA Compass customer support representative. I was told that it might take 30-45 days to post these bonus points to my account. I have worked with BBVA Compass to resolve this matter on several occasions, including four attempts in XXXX XXXX, two of them by phone and twice by secure message at their website. I called one more time on XXXX XXXX, XXXX to request the points be posted as it had been more than 45 days. However, as of today my account still has not had the points credited. These points are equal to {$200.00} in a statement credit and this promotion was a significant factor in my decision to open the account. I would like BBVA Compass to honor our agreement. BBVA Compass has acknowledged that these points are due to me but has not been able to post them to my account.

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

Complaint:
I am current on my account with XXXX and have receipts to prove it and the company is showing my account is late and I 've missed a payment. I have spoken to the company but they have n't corrected their mistake

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The XXXX address is 18 yrs old. My address of record for the last 18 yrs is XXXX XXXX XXXX XXXX ny XXXX. Also my employer is The XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ny 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 2015-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have some unauthorized inquiries on my credit report from companies trying to run my credit without my consent and it has drastically hurt my credit scores. I would like these inquiries removed immediately. I should n't have any inquiries on my file at all. I filed a fraud Identity theft report in XXXX 2014 and sent all my documentation to the credit bureaus and they still have allowed this to happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed a Bankruptcy Item on my credit report with TransUnion twice. However, they continue to report this item as belonging to me. And the tell me to contact the Bankruptcy Court about the item. Yet, when I call the XXXX Bankruptcy Court XXXX tell me that they are not reporting this information to TransUnion. Also, TransUnion has not provided me with any evidence that the XXXX Bankruptcy Court for XXXX is furnishing them with this information. TransUnion also told me that they hire private venders to gather this information from the Court. Therefore, TransUnion is furnishing this information as hearsay because the Court is not furnishing them with a Bankruptcy item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Hello I filed Chapter XXXX Bankruptcy and was discharged. I requested several times Transunions report and reason why inquires have not been removed from my credit report bringing my score down. I went from a XXXX to XXXX???? why????? I am tired of the credit reporting agencies reporting incorrectly and not helping me as a consumer rebuilding my life! They have not responded and its been over 60 days. I am unsure why they ahve not fixed this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX WAS PAID THROUGHA JUDGEMENT ON MY HUSBANDS PAYCHECK LAST YEAR. IT SHOULD BE MARKED AS JUDGEMENT PAID IN FULL OR SATISFIED OR REMOVED. TRANSUNION HAS INGNORED MY REQUEST TO CHANGE THIS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
all XXXX credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at XXXX XXXX XXXX and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card

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 2016-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Not reported to Transunion because prompts do not give you option to leave complaint. Called Transunion at XXXX, gave all information as requested by prompts,. After properly entering information requested such as SS #, DOB, numeric street address, zip code, IVR declines providing report because " they can not find a report based on information given ". Tried 3 times, made SURE correct info given as requested, only to end with same IVR decline and advised to submit " written request ". Credt was declined on XX/XX/2016 based on information that doe not belong to me, I was a victim of ID theft twice in the last 3 months. I have never had any business relations with sources they claim were included as part of their evaluation.

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 2016-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For nearly a month, TransUnion has been reporting a collection from " XXXX '' a/k/a XXXX XXXX XXXX on my credit report, tarnishing my name and making me unqualified to obtain an auto loan with XXXX due to this collection. 

I 've disputed this collection with reporting agency and TransUnion but TransUnion reported that the reporting meets requirements of the FCRA. IT DOES NOT. 

On XXXX XXXX, 2016, I called the original creditor of the debt, after investigating, XXXX XXXX discovered that the payment I made before my account was turned over to XXXX was credited improperly. XXXX pulled my account out of collections. 

The debt collector, XXXX companies, says that TransUnion is reporting the information on this collection account and they 've already requested to have it removed from my credit file. 

TransUnion is tarnishing my credit file and making me ineligible for auto financing. I demand they stop reporting this collection. XXXX and XXXX have n't reported on this debt in over 3 weeks and TransUnion says it meets FCRA requirements. 

I am willing to speak to the media about TU if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are inquiries on my credit report that I 've never actually applied for and some I 've never even heard of.

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 2015-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion and XXXXhave n't updated myincome for years I receive100 % VA, XXXX pay, and social security. It 's killingme financially

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: ALLY FINANCIAL INC.
State: RI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have XXXX issues with Ally financial. First, I turned a a XXXX vehicle XX/XX/2015 and they finally sold the vehicle XX/XX/2015. They are now looking to me for a shortfall that they helped create by letting the car sit in their possession without any activity. I am told be several XXXX salesmen that the company makes a practice of this - letting cars sit, allowing for further depreciation and creating a larger shortfall than necessary - then they go after the lessees for the self-created shortfall. Additionally, Ally is calling my cellphone XXXX times a day without leaving a message. I think that is harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
It is unfortunate that this will now be the third complaint against this CRA with the CFPB. Basically, per the CRA credit report several accounts were supposed to have been PURGED as of XXXX 2016. This has already been completed by XXXX, however, TransUnion is confused and naively believes that they have to " verify with the data furnisher ''. Per CFPB complaint XXXX the CRA was supposed to delete XXXX accounts and XXXX collection account per the FCRA- SEVEN YEAR REPORTING EXPIRATION.

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 2016-05-18
Company: SIERRA PACIFIC MORTGAGE
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made payments on this loan in the amounts shown on the payment coupons and statements. Sierra Pacific has not applied the funds to the loan and are now charging me interest and penalties and are threatening foreclosure. They have done this in the past and I am always wondering how many innocent people they actually cheat and steal from. How can they still be in business. They have done this to me 2 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-01
Company: Vengroff Williams, Inc
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company threatened to suspend my drivers license on an account that I have been paying monthly on for the last 2 years. I made XXXX payments via check in XX/XX/XXXX and XX/XX/XXXX. Unfortunately the company did n't receive the payments. I told them I would go online and pay the first payment, but my bank told me the other check had been cashed. I was waiting for the copy of the check and I was in constant communication with the company. I left several messages and told them that I would go online and make they payment. Every time I talked to them they threatened they were going to petition the court to suspend my license. I am a law abiding citizen and understand that this debt was my fault and I have been making restitution. To decided to take someone 's license away because they did n't receive a payment or XXXX is ridiculous. I have been doing the right thing and should n't be threatened when I was making payments. The debt was {$2400.00} when we started and it 's now under {$1000.00}. I have certainly been doing my part. This is n't the first time I have had issues with the collection tactics of XXXX. Furthermore this company never notified me in writing that they would have the power to suspend my license if I was behind in anyway in my payments and when I told them they could n't take my license away because they were a debt collection company, XXXX said they were a subrogation company and that was different. On all forms/statements it says they are a collection company trying to collect a debt. So what are they??? I have attached a copy of a statement showing how much I have left to pay on this account. Please help me!!!! This company should not be allowed to do business this way. Especially when someone is communicating with them in regards to the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX submitted the claim without going undergoing the prerequisite legal procedure. I have since obtained a release for the garnishment on this case the case is in trial stage. Attached is a copy of the 'release of garnishment or attachment '

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 2015-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been in conversation with both XXXX Bank and Transunion and have requested my mortgage accounts with XXXX Bank be reported. XXXX Bank has been working for almost 2 years trying to correct this and Transunion refuses to add my two accounts with XXXX Bank to my credit report. They continue to tell me to contact XXXX Bank which I have done many times. I would like assistance from you to have Transunion correctly report my two accounts with XXXX Bank to my Transunion Credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This company serviced my student loan collection thru XXXX XXXX. At which time the servicing was transferred ( per the XXXX ) to XXXX. I paid this load off on XXXX XXXX, XXXX and XXXX XXXX is still reporting this loan as open and late. Last update was XXXX XXXX, XXXX. I disputed with Transunion because XXXX is reporting this correctly so why is Transunion Not? I have aletter from the XXXX showing this payment in full. This issue has cause substantial hardships to me is showing as Mortgage ready. On XXXX XXXX XXXX the mortgage broker I have been working with made the following comment to me. " Looks like the only issue you have is that Student Loan '.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief