BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-23
Company: ALLY FINANCIAL INC.
State: CT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
ALLY Financial assessed Excess Wear on XXXX Chevy MaIibu returned by XXXX XXXX to XXXX XXXX XXXX XXXX NY on XXXX XXXX 2014 in the amount of {$1000.00}. XXXX XXXX paid out on XXXX/XXXX/2014 an amount of {$650.00} for Policy Number XXXX, Claim XXXX. ALLY refuses to credit XXXX 's Account and continues to request payment of original {$1000.00}. ALLY in violation to federal Fair and Accurate Credit Transactions Act reported original balance as delinquent to credit bureaus. ALLY continues to investigate matter further and refers matter to Collection Agency who insist even if XXXX XXXX did make partial payment, XXXX still owes the original amount ( per XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My credit report was provided to XXXX XXXX XXXX without my approval. I 've asked the dealership several times to reverse the hard inquiry without success. I need the inquiry removed immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I had all my inquires that were removed with the TranUnion Data glitch a few weeks ago. Trans Union then told me that I was n't a victim of this glitch when I originally was notified that I was a victim. They then reinserted the originally deleted inquires. I would like these inquiries deleted per Sec XXXX which pretty much states that anything deleted and reinserted needs a 5 day reinsertion letter, which I never received. Therefore I am requesting that they remove the following inquires. 

XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX CARD XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX CARD XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX SAVINGS BANK XXXX/XXXX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I got notice of a judgement from a company called XXXX , XXXX about XXXX years ago for a bill that I had no idea what it was for but by the time I was served with any information they already had a judgement and garnished my wages for the full amount until the bill was at a XXXX balance. I did dispute the bill years ago but it remained on my credit report anyway but as of XXXX XXXX 2016 I just got a notice saying they were trying to sue me again for what i assume is the same bill but still with no explanation of wha the debt was. I paid the bill without knowing what it was for because my wages were garnished but now its come up again. I do not want this to affect my credit for another 10 years especially since they are billing me out of the blue, years later and again ... I have NO KNOWLEDGE what the bill was for.

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 2016-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Transunion, XXXX and XXXX have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why Transunion especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with Transunion was XXXX and contained ( XXXX ) hard inquiry. On XXXX XXXX, 2016, for whatever reason ( s ), Transunion lowered my score by ( XXXX ) points? and added ( XXXX ) hard inquiries to my file? XXXX and XXXX did the identical thing. In XXXX, 2016, I filed a complaint against Transunion for the identical conduct and they corrected my record. Sadly, Transunion did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.

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 2015-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have been separated from XXXX XXXX XXXX XXXX since the beginning of XXXX XX/XX/XXXX living with my grand farther in XXXX NC XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XXXX XX/XX/XXXX. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



XXXX # XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Date XXXX Balance : $ XXXX # XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX XXXX Received : $ XXXX Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I need to have a past car loan on my credit report changed from a degoratory status to not deregotory

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX and i am submitting this complaint myself and there is no 3rd party involved. I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report I will list the items below.

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 2016-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2016-10-27
Company: SIERRA PACIFIC MORTGAGE
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My former fianc, XXXX XXXX, and I applied for a mortgage from Sierra Pacific Mortgage Company XXXX XXXX a California corporation, XXXX ID XXXX. The loan estimate was issued on XX/XX/XXXX16. The loan number we were given was XXXX. The rate was locked and due to expire on XX/XX/XXXX16. I called the mortgage company today and they said that XXXX had asked them to do a different mortgage with just him and that is what they were doing. They refused to give me the appraisal that was part of the loan we were doing together. The loan officer, XXXX XXXX, XXXX XXXX XXXX, wont return my calls. The loan coordinator, XXXX XXXX, said she would call me back and did n't. We own the house together as joint tenants with rights of survivorship. My fianc has no right to put a mortgage on the house without my consent. This mortgage company appears to be doing just that, which is mortgage fraud, according to my attorney. My name is XXXX XXXX and my telephone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
hi Bank Santander reported " account risk '' for the XXXX accounts to " XXXX XXXX '' credit reporting company. Subsequently, other banks that I held bank personal accounts, credit cards, IRAs, XXXX accounts terminated my accounts. Now I have to open new accounts, but I have a hard time to do so, because XXXX keeps issuing " account risk '' for my ID. 
The problem is with bank Santander / Sovereign, I would like the information about " account risk '' to be removed from my file due to the following reasons : 1. I am a joint signor on the accounts, but I never performed any operations with this accounts. I did not receive any statement or information from the bank about these accounts, even though they have my correct address. 
2. I am not the owner of the company that owns these accounts and I have a limited liability for these accounts. 
3. The bank never gave me any information regarding any unpaid fees or any problems. 
4. The bank never gave me a chance to correct the situation and pay the fees or any other losses. 
5. The negligence of Santader bank causes me stress and I have troubles to open any other bank account. 
Contribution ref # XXXX & # XXXX that " XXXX XXXX '' received, for the accounts # XXXX and # XXXX. 

Regards 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
Consumer complaint received 2017-01-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The lenders are informing me through the phone and via email incorrect information about the money I did n't receive. Payday loan and Ace express cash. They have my SSN but they do not have the correct information. They have my address which over 9 years ago. They keep threatening to sue me if I do n't pay it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from CONSERVE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against CONSERVE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The credit company calls repeatedly. They will call as early as XXXX on Saturday and have even called me during church service on Sunday. They will call about 8 to 10 times a day. they send emails and other letters and I feel like this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Other fee

Complaint:
myself and discover credit services had an agreement that I would pay {$76.00} a month till my account was paid down. This amount was automatically withdrawn from my account each month excluding one error on Discover Banks side. I cancelled two payments with Discover for the {$76.00} because the amount had already been paid prior to the due date this last month/ end of XXXX. Early XXXX I paid off my account. I then go to check my account and I see that my statement this month I have {$76.00} in fees. I was charged a late payment fee and a returned check fee for a cancelled payment. that was never supposed to post. Both confusing to me I contacted Discover and they list no explanation. The worst part of this is I spoke with Discover last week when making payments and they told me I would have no issues. Now I get a {$37.00} fee for not making my full minimum due even though I paid above the agreed amount. In fact I was less than {$25.00} short of the minimum payment and no one ever mentioned I needed to pay the final amount or I would be charged a fee. In fact I stayed on the phone for an extended span of time so I would n't be charged a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a mortgage loan with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX informed me that my application was denied. One of the reasons given was " Excess Obligations in Relation to Income ''. A DISCOVER account was considered as an " obligation. '' DISCOVER confirmed to me by letter dated XX/XX/1996, that my name was removed from the account. They lied. The account continues to " impact '' my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit reports it is showing XXXX different company names XXXX and on the other XXXX. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XX/XX/2012 and the other is showing XX/XX/2012 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, TRANS UNION, XXXX, AND 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 2016-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all XXXX credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.

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 2016-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have XXXX of debt reporting on my credit for over 10 years ago and I had filed a complaint of identity theft years ago ....

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: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and Trans Union of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to one of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are : Inquiries : XXXX, XXXX, Account Numbers and Agency ( s ) : XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have multiple duplicate inquiries on my credit file. I received an notification a while back on XXXX they were removed and they have reappeared. I have alot of duplicates from the same day and that is incorrect.

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 2017-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
I wrote a letter on XXXX XXXX 2017 to all three credit report agencies. Then I did n't receive anything back from them. So I decide to check the status of my credit report still the same account is still say it delinquent when I paid thru XXXX cancelation of debt form I receive from Bank of America. I call Bank of America and they said that they are working on it since XX/XX/XXXXI have not received update from them it seem they are not listening to me. I am trying to purchase a home and the underwriter will not process the loan until this get resolve.

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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be 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 2018-12-01
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: Information belongs to someone else

Complaint:
On several attempts I have contacted all 3 credit bureau about the inaccuracies on my credit file.. The accounts are not my account and are considered inaccurate information. With reporting this accounts is a violation of my rights and hurting and destroying my character and lively hood. 
Theses are the accounts XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After Chapter XXXX bankruptcy discharged, TransUnion continues to report multiple judgments on my credit file. XXXX agency deleted these judgments but TransUnion and XXXX continue to report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
On XXXX/XXXX/2015 a hard inquiry was made on my credit report by XXXX XXXX XXXX. I went to the Car Dealership and spoke with a XXXX XXXX who admitted to pulling my credit report because he got my information from a third party source by the name of " XXXX XXXX ''. Regardless of whether or not how he got my information, I never consented or agreed for this car dealership to pull my credit report. He stated that he receive leads from these companies and use the information to run credit in order to see if companies pre-qualify for auto loans. This company never informed me or received my consent to run my credit report, which was a hard inquiry that causes my score to decrease. I am trying to rebuild my credit and these reckless inquiries damages my credit more.

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