BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX  violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion and is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion and is a violation of my right to privacy because I didnt give them permission to report it publicly.

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 2015-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GU
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had lived in California for about three years and had opened a Checking account with XXXX XXXX XXXX. I had NO outstanding balance owed to this credit union and they have unlawfully affected my credit score by claiming that I owe a balance to their banking establishment. I refuse to have this petty claim affect the credit records I have been tracking.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I requested a block on some reports based on identity theft, request was denied. i never received or gained any goods or services as a result of the credit. 
I dispute these items on my credit report by the reporting agencies and request they be removed because i have reported an identity theft case.

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 2016-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
TRANSUNION XXXX AND XXXX HAVE LISTED THE FOLLOWING COMPANIES ON MY CREDIT FILE I NEVER FILLED OUT FOR THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROMOTIONAL XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX BANK HAS NO ADDRESS LISTED ON CREDIT FILE XXXX XXXX XXXX HAS 4 TIMES ON CREDIT FILE ONLY FILLED OUT ONCE FOR A CARD -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX WAS ALLREADY REMOVED TWICE FROM MY REPORTS NOW IT IS BACK ON FROM SOME NEW COMPANY THAT BOUGHT IT FAKE COLLECTIONS MUST OF SOLD IT TO THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX WOULD LIKE TO SUE THEM FOR THIS DUE TO ALL THE FALSE REPORTING I CAN NOT APPLY FOR A HOUSE LOAN FOR MY FAMILY JUST HAD A NEW BABY THANK YOU FOR HELPING 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 2015-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian continues to report an illegally obtained/fraudulent account from XXXX XXXX XXXXThe original account, XXXX, was paid in full and closed on XX/XX/2009. This account is currently reporting positively to all XXXX bureaus on my file. XXXX XXXX XXXX, without any prior warning, opens a NEW collections account from this old paid and closed account- and begins reporting it as an open, past due collections account. 

FIRST, I do not owe this money. This account was settled and paid in full in 2009 directly with XXXX. 

SECOND, this account is LONG past the statute of limitations in TX ( 4 years ). It is absolutely 100 % illegal for them to continue to report this. I just purchased a new vehicle in the last month, and because this illegal debt collector has added this account to my report, i was not only DECLINED for credit, but it SEVERELY and ADVERSELY affected my interest rate. 

Now, I have incurred damages as a result of this fraudulent collections account and will need to refinance my new vehicle loan as a result, once this is deleted. 

I *will* be pursuing additional legal action after this complaint has been addressed with CFPB, if necessary.

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

Complaint:
I sent a letter to Trans Union over 30 days ago about an account that is showing on my credit report that is n't mine. I have attached proof that the account is n't mine but I have not gotten a response back from Trans Union and they still report the fraudulent account on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I believe Patient Accounts Bureau is attempting to extort money from me. In XX/XX/2022, I received the attached bill for {$35.00}. I attempted to pay online through my bank but Patient Accounts bureau waited weeks to deposit this check against my account so by the time funds were depleted. Therefore, I was charged a returned check fee by Patient Accounts Bureau. I was told my bill had escalated to over {$110.00}. I do not understand how a {$35.00} bill escalated to this amount, even with the returned check fee included, but nevertheless, I paid {$110.00} on XX/XX/2022 on their online pay portal of their website. This payment was successfully processed by Patient Accounts Bureau but they failed to record a payment history on their website ( see attached ). There is no payment history on their website to give the customer an idea of the payment history. Since there is no payment history, they failed to record my payment of {$110.00} which I paid on XX/XX/2022. 

It appears that the {$110.00} payment was never applied to my balance because there is still an outstanding balance of {$70.00} ( see attachments ) showing on my balance at Patient Accounts Bureau. 

Patient Accounts Bureau never applied my payment, they do not have a payment history ( see attachment ) recorded on their payment history and I think they have overcharged me by escalating and adding fees to my original balance of {$35.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: ALLY FINANCIAL INC.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This issue I have may be completely legal, bit if it is something has to change- the consumer is getting XXXX and probably not realizing it!! 
I have an auto loan with Ally Financial. I lost my job in XXXX and could n't make my car pmt on time, so I called them and asked what they could do to help me so I would n't get a late history on file along with the fees. They had an immediate offer to assist me. It involved making a partial payment which amounted to the interest portion of my car pmt, and I would then pay the remainder at the time my next pmt was due. They would then move the next o mt due to the end of the loan. I specifically asked was there any charge for this help, and they said absolutely not- and my credit would not be impacted. So, I get to the balance of XXXX pmt due date and go onlune to make that portion of my payment ... .where I find whilet looking at payment history that my principal balance barely changed even tho I just paid them {$490.00}. My normal amout of a given payment is approx {$340.00} principal and {$140.00} interest, but For this month it is showing {$51.00} going to principal and {$440.00} for interest!!!!! 
I called for an explanation and for nothing more than " that is a result of the arrangement you made last month. The reas in for the additional interest is simply the extra time involved in receiving your payment. 
Had they explained this scenaruo to me when I asked them for clarification last month about what additional cost would be involved I would never in a million years agreed to do what I did. 
I have an XXXX, and the difference between a normal intwrest portion of my car payment of {$140.00} and the {$440.00} charge for processing it based on delaying them getting dull payment for 30 days boggles my mind!!! 
If this is legal they should have told me about the additional interest cost when I asked them last month to clarify any additional cost other than moving one payment to the back of the loan- which in itself I relied would cost me additional interest on that money until th e account was paid in full. I 'm sure I 'm not the first person to ask for a banks help on making a loan payment, but maybe the first to actually see what affect it had on my principal balance of my car loan. How on earth can this be legal?? 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX PS..here are the exact numbers from my loan account with Ally : Payment on XXXX/XXXX/XXXX .... {$140.00} interest charge .... {$140.00} Payment made on XXXX/XXXX/XXXX ... {$340.00} intere as t charge ... {$260.00}, so total interest charge for the month was {$310.00}!!!!!! 

The previous month shows my normal payment of {$490.00} - interest of $ XXXX principal pmt was {$310.00} Do I need an attorney, or can someone in your organization help explain how this is possible?

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 2016-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I filed a dispute with Transunion concerning an account from XXXX that was on my credit report that did not belong to me. The account I disputed is listed as : XXXX XXXX XXXX XXXX # XXXX It has been over 30 days since I originally initiated the dispute online. Transunion sent me an email stating the investigation was complete and I was allowed to look at my updated credit report online. When I pulled my Transunion credit report, the XXXX account was still reporting, only this time there was a statement that read : " The following item is suppressed pending credit grantor update '' pertaining to the XXXX account. I called a Transunion representative and inquired about this, in other words, what does this mean? The Transunion representative stated that this meant I was the only one that could see the XXXX account, no other creditors would be able to see this. I asked him if my investigation was complete and he said " yes. '' I asked him to please remove the account and he said he could not, that it has to stay on my credit report for 7 years. This is unacceptable. XXXX needs to either verify that this account does indeed belong to me or simply delete the account. That 's what is stated in the FCRA. No where does it state in the FCRA that an account can be suppressed pending credit grantor update after the 30 days has taken place to complete an investigation. Transunion has had more that 30 days to complete my investigation. Please advise them to delete this account from my credit report since XXXX did not verify this account within the 30 day time frame allowed by law.

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 2016-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Approximately two weeks ago, I filed an online dispute with TransUnion about an account that had been paid in XXXX XXXX, but was showing as unpaid collections in my TransUnion credit report as recently as XXXX XXXX. I contacted the creditor to confirm my records and they informed me that the account had indeed been paid in XXXX of XXXX and that the account had a {$0.00} balance. The creditor informed me they would contact the credit agencies to have the item removed. Last week I received confirmation from TransUnion that my dispute had been completed and the item was removed from my TransUnion credit report. While that was the outcome I wanted, TransUnion consequently LOWERED my score by XXXX points, while my scores with XXXX and XXXX were simultaneously INCREASED by XXXX points and XXXX points, respectively. I contacted TransUnion by phone and was provided no satisfactory answer as to why upon completing my dispute with them ( where a negative item that had been shown in collections had been removed ) they lowered my score even as the other XXXX agencies increased them. TransUnion should have INCREASED my score, but has apparently chosen to penalize me for appropriately correcting a negative misreported error. TransUnion can not explain their reason for lowering my score in this matter. This is not as complicated as quantum physics - it is a simple matter of right/wrong and them refusing to do the right thing. XXXX increased my score - TransUnion kept reporting the error for two years and has chosen to dock me XXXX points for correcting it.

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 2015-04-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
- called Ally Auto to have a deferred payment on XXXX XXXX. 
- called Ally Auto to pair the partial payment as requested for the deferred payment. Ally instructed me to make the payment over their internet application. Payment was made on XXXX XXXX online at approx XXXX per ally instructions. 
- ally informed me this would post in 2 business days and that the deferral would not effect any credit reporting agency. 
- ally reported me 30 days past due for the payment- I 've contacted Ally XXXX to request investigation and removal of 30 day late payment. However have been unable to resolve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
In XXXX of 2016, I discovered a public record of bankruptcy on my Trans Union credit report. Using the address TransUnion provided, I attempted to contact XXXX XXXX Bankruptcy court using the address provided by TransUnion and the letter was returned as undeliverable. TransUnion is responsible for providing accurate contact information so that consumers may verify accounts. I contacted TransUnion via certified mail requesting that the item be removed due to inaccurate reporting and included copies of the returned mail as well as the timestamped report showing the inaccurate creditor address, and they replied via mail stating the item was verified and did not remove it from my report. They did not provide any documentation bearing my signature or mark the item disputed. An employee finding my name in a third party data mining database does not constitute verification. 

I am aware that federal courts do not report to credit bureaus and that they did not provide signature verification to any of the reporting agencies.

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 2022-02-28
Company: Manhattan Beach Venture, LLC
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with DEPTEDXXXX with account number XXXX. I have always made my payments on time. For some reason, I realized that the records reflect a 120 without preceding 30, 60 or 90 days. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Untimely response
Consumer complaint received 2015-12-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
As a longtime card holder who responsibly pays off his balance every month, I received a promotional email from American Express telling me " do n't forget '' that the card could " allow you the flexibility to pay over time '' during the holiday season and reminded me that I am " permitted '' to carry a balance on the card. The email did not mention that such behavior amounts to taking on personal debt, or that American Express would collect interest on this debt - though, of course, it would.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Recently, I received copies of my consumer report and noticed many discrepancies with my personal information. I attempted at least twice ( XX/XX/XXXX, XX/XX/XXXX ) to address this matter with each credit reporting agency, but to no avail. My report continues to show incorrect outdated addressees, outdated telephone numbers no longer in use, inaccurate outdated employment history. It is imperative that my personal information be correct and updated to reflect my current address, telephone number and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My credit was used for someone in a country where I do not live to obtain a cell phone and service contract. I received an email today welcoming me to XXXX which prompted me to contact the company with the phone number, account number and billing date to find out why I received the email. After three phone calls, XXXX service reps and about 2.5 hours of waiting and talking, I learned someone walked into a XXXX store and opened an account using my maiden name. The company claims that XXXX forms of identification, matching signature and a credit check are required to open an account. One agent claimed the account must be opened in person, while one said the account could be opened over the phone and no one could confirm how the account was actually opened. I am awaiting a return call from the fraud dispute center at XXXX within the next two days, but in the meantime the rep stated they would not provide any further information to me regarding the account because I could not pass the security identification for access to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Debt Collector has placed a charge off onto my credit file and I have made several phone calls and message to this company and this company has not returned any of my phone calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Late fee

Complaint:
My Capital One bill was due XXXX XXXX, 2015. I noticed it was due XXXX XXXX in the morning and when I logged on to pay I was already charged a {$19.00} late fee.. It had n't even been XXXX hours. They do this to me all the time and I do n't think it is fair.

Company response to consumer: Closed with monetary relief