BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested validation of bankruptcy reference # XXXX on my credit report from Transunion and Transunion sent me a letter stating that they verified the bankruptcy record through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Transunion Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore XXXX has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to 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 2023-09-07
Company: TITLE MIDWEST INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I recently purchased a new home. The title company that I utilized had their server compromised during the transaction. In turn, a hacker intercepted my closing disclosure and wiring instructions. They spoofed the email and sent fraudulent wiring instructions. When this occurred I wired my cash to close to a fraudulent bank account. I immediately initiated a wire recall but it was unsuccessful.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There should only be one name and one address on my credit report : XXXX, XXXX Wisconsin XXXX. This is the only name and address that should be used on 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 non-monetary relief
Consumer complaint received 2017-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
When my husband and I leased a car recently, the dealer said I did not have a credit score. I got my credit report from Trans Union showing the hard inquiry by XXXX XXXX. I also went to the XXXX XXXX free credit score site and got my score from them through XXXX. I called Trans Union but could not make the representative understand my dilemma. He kept telling me the problem was with XXXX XXXX 's calculations, even though the problem was n't their calculation but the fact that I had no score at all. I have written Trans Union three times but have received only form letters that do not address the issue. There was a slight discrepancy with my address which I have tried to correct, but again all I get in response are form letters. My husband and I have been married for 45 years and have essentially the same credit report. His score and the one I received through XXXX XXXX are well above XXXX. He had a near fatal illness last fall and if he had passed, I would be financially paralyzed. Can you help me find out why I do not exist in the eyes of Trans Union.

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 2016-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY

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 2015-07-21
Company: National Commercial Services, Inc
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
National Commercial Services has been harassing me with phone calls and letters claiming they represent XXXX XXXX XXXX XXXX XXXX, and that I have an outstanding balance of {$2000.00} as of XXXX XXXX, 2015. They claim this money is due to an auto accident that happened on XXXX/XXXX/15. I have explained to them that they should contact the insurance company because it was a company vehicle. They insist that they have the right to continue with their tactics, and hang up the phone when I say they are harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Payment was made to XXXX XXXX XXXX XXXX have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at one time, XXXX gave me a credit of 5 % on the total bill. XXXX from XXXX to XXXX XXXX Received notice from collection services XXXX weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary XXXX no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Paid Vendors of all the credit bureau Agency 's have reported negative information without proper verification. I have disputed accounts listed and requested to have the verification/affidavit of the person who has verified as accurate and I have been denied the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion removed XXXX district court Case or id # XXXX from my credit report in XXXX 2015 however put it back on my credit report XXXX 2015. The public record information was not confirmed to belong to me but Transunion chose to put it back on my credit report because the creditor asked them too. This is unfair and violates FCRA. Fraudulent information should not be placed on my credit report. Also XXXX removed the same public record but placed back on my credit report without verifying the information belongs to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
on XXXX/XXXX/2016 credit report report for XXXX. first collum under Remarks the XXXX XXXX is om every monthly reported entry. I called XXXX @ XXXX and inquired about my account and specificaly the reporting. the supervisor XXXX XXXX said my credit history was good and i should contact Transunion. I would like the XXXX XXXX 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 2023-03-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is the loan company for XXXX This was never a loan as the car my son received was not working and they are picking it up. XXXX paid for the two months that they left it sit in the driveway. They insist on having it delinquent on my account and still showing late fees, it was never an active loan. I want it off my credit report completely.

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 2016-05-12
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had XXXX time share loans with XXXX XXXX. I deeded these time shares back to the corporation thus absolving my obligation. I have attached a copy of my credit file showing the narrative " Deed in lieu of foreclosure ''. These XXXX loans should NOT have a balance on them. I disputed this with the bureaus but Experian left the balance and item remaining. This is a violation of my right under the Fair Credit Reporting Act.

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 2016-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Transunion is not doing a thorough job in verifying inaccurate information on my credit report. When calling by phone, the reps are rude, do not understand English, and just do a canned dispute. XXXX XXXX ( XXXX ) has been playing games with my Transunion credit report for about six months. First this company knowingly placed a bogus 30-day late on my credit report because consumer researched Alabama usury law and filed a complaint with a state agency. Consumer had to file a complaint with CFPB to get Transunion to act and follow FCRA. Transunion then apologized for its error, and the 30-day late was removed, but XXXX placed a bogus balance with a satisfactory account. Consumer disputed this because the account has been PAID IN FULL since XXXX XXXX, XXXX, and then Elevate placed a delinquent balance that is different from the previous balance on the credit report. Again, Transuion, by phone dispute, stated the item had been verified as accurate. Then, another complaint with CFPB where XXXX placed back that bogus balance with a satisfactory account -- trickery. Consumer placed another dispute with Transunion stating that the account is PAID IN FULL. Then XXXX placed a delinquent account with a different balance, and Transunion verified as being accurate. Consumer placed another dispute with Transuion because account is PAID IN FULL. Then XXXX, again, placed a bogus satisfactory account with a different balance, and Transunion verified as accurate. Consumer placed another dispute with Transuion because XXXX, again, placed a delinquent account with a different balance, and Transuion verified as being accurate. Enough of the game playing from XXXX. Consumer is not sure why Transunion can not figure this out and just keep claiming they verified this back and forth, switch and bait, reporting. The integrity of this credit reporting agency should come into question. This is not fair to the consumer to let this back and forth go on. XXXX is willy nilly placing inaccurate information on my credit report to force me to pay something I do not owe!

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

Complaint:
I filed bankruptcy Chapter XXXX and most f the items on my credit report has fallen off and states that it was resolved in Bankruptcy but there are XXXX items that is still showing thaat it is in collection and its XXXX car repos. I 'm trying to build my credit back up and its hurting it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling four times a day EVERY DAY after I told them not to and that it was excessive. I have spoken to them more than once about 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 2016-12-04
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 credit card # XXXX so please remove from all XXXX reports. 
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 2016-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are XXXX addresses that I have never resided. How do we get them 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 2023-03-29
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-07-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I am XXXX. I recently obtained a program for my phone which makes it possible for me to see my XXXX bank statements. When I checked them I saw that my balance was lower than it should have been and I went to XXXX XXXX to ask them to investigate. I found out that Experian has been deducting fees from my account since XXXX 2011 every month, but I never signed up for any service with Experian. The bank found the charges were unauthorized and refunded three months of the charges, but said they could not go back further. I contacted Experian and they claim that I signed up for a free trial and never cancelled, but I never signed up for any trial. They are refusing to refund me the charges. I did not discover the fraud earlier because I was unable to review my bank statements because I am XXXX. Since I did not receive any statements or services from Experian, I had no idea someone opened an account in my name.

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 monetary relief
Consumer complaint received 2021-10-02
Company: Genesis FS Card Services, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter to this company about missed payments during covid and they sent me back an inaccurate letter. I also disputed it on XX/XX/2021. Then I sent out a response certified mail and had it notarized Monday XX/XX/2021. I also included an invoice with all the violations that this company committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX, XXXX I sent a " Request for Investigation '' form to Transunion to have 2 companies removed from my report. The first was XXXX XXXX whom was the subject of a lawsuit in which the were found at fault. 
The second was a collection company who had bought a debt from a company I had never had any dealing or knowledge of. 
Transunion did not do any investigation into either account and just sent me a reply on XX/XX/2021 that both accounts were verified and updated. So both accounts are still on 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 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023, I paid off the full balance on my Capital One Quicksilver card, ending in XXXX. Three days later, on XX/XX/2023, they charged {$43.00} in interest to the prior balance that had been paid off. It is important to note that when I paid off the balance, there was no indication that interest would be charged after the fact, or any notice of what that interest was so that I could have chosen to pay off the interest at the same time. 

I had an identical issue with XXXX, and when I spoke with their representative, they removed the interest charges. Today, XX/XX/2023, i called and spoke with a rep at Capital One and explained what had happened. I was placed on hold and ultimately told there was nothing they could do. I advised that there should have been an option to pay off the balance plus any accrued interest at the time i had made the payment and that there was no indication that any additional payment would be needed. 

I have several cards with Capital One, all of which were paid off on the same date and this is the only card that had interest applied thereafter. 

I am simply asking that they remove the interest charge, applied to a {$0.00} balance, of {$43.00}, regardless of when that interest accrued. If the policy is that this interest be paid, then the system should offer the option of including any accrued interest when you pay off your balance. The screen clearly stated that I was paying off my full balance when I made my payment of {$1900.00} on XX/XX/2023, and that was clearly inaccurate information and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went on line filled out all the correct information to receive my free credit report. XXXX gave me my report the other XXXX bureaus would not. Without all XXXX reports I can not use this information to take to my bank. I answered all the questions correctly. It seems to be a scam that if I can identify myself correctly with XXXX the others should comply. There should be XXXX portal. Now that I have used up my 'once a year ' with XXXX and I do n't have the other XXXX reports I am stuck to wait XXXX year. They offered to give me a report in 30 days ... what good does that do? This is just a complicated way of not providing consumers what they legally have the right to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Synovus Bank
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a First Progress credit card I deposited XXXX dollars but because I thought it didnt go through I did it again when I noticed I sent 2 amounts of XXXX dollars I called immediately to get my XXXX back they said I had to wait until it stopped pending which on XXXX the XXXX it was paid out of my bank I called customer service for my refund they said I needed to send a fax copy of my bank statement showing that the 2 amounts were sent and than they can refund me my money back. I called today and now theyre saying they didnt receive two payments even looking at the statement showing that they did. Im going to get a lawyer now because somebody stole my money and now theyre acting like they never received it. I just looked on the XXXX  website and they have done this in the past to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX company has reported 3 late payments on my account to the credit bureaus ( 30,60,90 days ). For the months of XXXX, XXXX and XXXX of 2022. This information has completely ruined my credit and made me miss on the opportunity to get credit to buy a house, I have never been delinquent on this account, my payments have been made on a timely manner, however XXXX XXXX  still wrongfully reporting my account as past due.

Company response to consumer: Closed with explanation