BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-31
Company: ALLY FINANCIAL INC.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On or about XXXX XXXX, 2015. Ally Finance repossessed my truck at XXXX days late payment and charged me XXXX payments and tow fees prior to my loan being XXXX days late. They refused to give me any paper work pertaining to the repossession or explain their policy. The contract is not clear as to a time limit for bring late on payments that will push you in to default status. Ally then failed to see my property was returned to me once I payed the money owed and fees. The company they sent to recover the truck was overly aggressive and scared my family as my family felt they were more the victims of a home invasion. The recovery company pulled excessively hard on my front screen door and brutally beat on it. Then proceeded to yell at me in an obvious attempt to incite a negative response and incite may-ham. I had to tell XXXX the owner of the recovery company XXXX '' I can hear you stop yelling all over the neighborhood ''. 

After paying the requested amount of money to Ally. I was not able to recover my truck and was made to wait while the recovery company owner repeatedly lied about getting the release letter for my property. I was unable to recover my property from them until or about XXXX XXXX, 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion fails to remove the XXXX XXXX XXXX account.Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2015-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I applied for a car loan, there is now a judgement that is all of a sudden appearing on my credit report which does not belong to me the judgement was on my dad 's report clearly I was too young to have a judgement back in 2011. My dad and I have the same first and last name but not middle. I am not clear as to who would be able to place that judgement on my credit report after it 's already been placed under my dads 's name back in 2011. If so I would like to know if I can file a lawsuit for emotional distress to the person that is responsible for this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TransUnion LLC, is still reporting on my credit report a Public Record Information for a Civil Judgment against me from : XXXX. The Plantiff : XXXX ; of which, they say is still at the Recorder of Deeds in XXXX XXXX. This debt was 'paid in full ', through a lawyer I hired. My lawyer called the 'debt collection ' lawyer ( whom was hired by XXXX to collect ) ; and she said that she followed through on her end with filing a SOJ to the XXXX XXXX XXXX XXXX of Deeds- to have it removed from Public Record. TransUnion LLC credit reporting agency was ALSO sent the SOJ ; along with the other credit reporting agencies. I have a copy of the SOJ ( Settlement of Judgment ) that was sent to XXXX XXXX Court and all credit reporting agencies. 
I just applied for a refinancing of my home and this same Public Record showed in their credit check on me. So I am being REFUSED a new refinanced loan on my home!! I have a very short window to be able to lock into this great rate new home loan, and this is Civil Judgment is the only one thing stopping me from closing on the loan! 
I ALSO just applied for a new job and this showed up in their employment background investigation with TransUnion. 
I am trying so hard to clean up all my old debt from the recession time, and it 's Credit Reporting agencies that should be trying to help me by doing THEIR jobs and being on top of these things. I 've tried on my own to clear up these Credit Reporting Agencies mistakes, and they do n't seem to 'have the time ' to listen or even CARE to help me. I just get switched from person to person around and around ... ..to no end. I SHOULDN '' T have to hire a lawyer to have my Credit Report cleaned up. I found this link to CFPB and thought that maybe NOW there is someone out there that will listen and help us consumers with these large Credit Reporting Agencies, that do n't seem to care they are REALLY doing more damage to us consumers than any good!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Yesterday I received in the U.S. Mail a letter from " TransUnion '' credit bureau that still had under " Adverse Accounts '' a debt collection agency by the name of " Enhanced Recovery Company '' ; XXXX. XXXX XXXX ; XXXX, FL ; XXXX ; XXXX. Under the " Original Creditor '' space it states : " XXXX XXXX. for $ XXXX. '' I have always had " XXXX XXXX XXXX XXXX. '' for the last 22 years. So I am the victim of Identity Theft with this false " XXXX XXXX. '' debt. I called up " TransUnion '' and they still refused to " Delete '' this Identity Theft entry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX ( XXXX ) Debt collector did n't verify collections. No contract no signature

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 2016-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
there was no any suspicious activity on the account. All activity on the account were absolutely legal by CapitalOne 's credit card agreement. I demand CapitalOne provides concrete wording in their agreement where it states and proves that my account was in violation. In this case CapitalOne agreement was violated by the Bank itself and requires civil legal action that I will seek to bring on behalf of others affected. CapitalOne answer is broad and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit bureaus XXXX, XXXX and Transunion are missing some or all of my XXXX credit card accounts and payment histories. They are also missing car loan and mortgage histories. They 've claimed these accounts are not reporting to them or that they are up to date which they are not. It 's not possible that these XXXX Visa 's, Discover, and American Express accounts do n't report to some or all of the XXXX credit bureaus. In fact I 've confirmed that most report to all XXXX. Apparently when credit history is missing they do n't consider that an error like I do. This has damaged my credit. Where my credit should be excellent, according to them it does n't exist or I have no payment history. I will try to include these supporting documents : 1. Credit cards and ID 's pictures sent to all XXXX bureaus, 2. XXXX XXXX XXXX XXXX mortgage is paid in full but does n't appear on any credit report, 3. Utility bill showing current address, 4. XXXX, XXXX, and Transunion Credit Reports, Dispute Forms and Dispute Results, 4. XXXX previous letters from credit card companies stating that they are reporting to all XXXX bureaus which I sent to them and they ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed some late payment information on my credit report, the results came back as valid. I then requested an investigation into these late payments and again the report states new information listed, but the same deliquent payments are being reported. I want to know how the information was investigated and what is the new information being reported when the same disputed information is being listed. If the investigation was conducted I want to know who they spoke to, what time and department. I want the deliquent payments removed because I have never been late

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX, the credit reporting agency Transunion, from what I have been advised, experienced a glitch in their system in which some credit inquiries fell off of reports. Around this same time I noticed some of my credit inquiries were removed from my report. Shortly thereafter, I heard of this glitch but did not make the connection that my credit report may have been impacted. I was under the impression at the time that these inquiries had run their course and fell off after the allotted timeframe until I checked my report a few weeks later and the same inquiries were added back. From what I also understand, the inquiries should not have been added back without advising me of the glitch and that the inquiries were being added back. I never received any written notices of these inquiries being added back to my report from Transunion and would like these inquiries permanently removed from my report due to Transunion 's lack of oversight in this matter.

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 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TRANSUNION REPORTS XXXX, XXXX XXXX XXXX, ACCT. XXXX ON MY CREDIT REPORT.ON XXXX/XXXX/2016 THE ACCT WAS SETTLED FOR MORE THAN THE XXXX REPORTING ( SEE BANK STATEMENT ATTATCHED ) .SO A FEE WAS ADDED BY XXXX.THE AMT. AND DATE PAID ARE NOT LISTED ON THE CREDIT REPORT.IN CALIFORNIA ANY FEE IN EXCESS OF THE COLLECTION AMOUNT MUST HAVE BEEN LISTED ON THE ORIGINAL CONTRACT ; OTHERWISE IN CALIFORNIA, AS IN THE CASE HERE, THE FEE CHARGED ON XXXX/XXXX/2016 WAS ILLEGAL.IF THE CREDITOR THINKS ITS LEGAL PUT THE TOTAL AMT PAID AND DATE PD ON THE 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 2017-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Requested an investigation with trans Union about some credit accounts and credit inquiries The credit inquiries were not authorized by me in any way The credit inquiries were not investigated and were not verified Therefore trans Union did not remove credit inquiries from my file as requested Negative information that is not accurate still remains on my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management keeps calling my cell phone using an unknown number 3-5 times a day. I do not have any accounts associated with them and they keep asking for personal information from myself and for a family member which I will not give them. A XXXX man that can barely speak XXXX was very rude cause I would not confirm my name or my family members phone number or address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived at XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed inaccurate information being reported on my Transunion Credit Report. The investigation came back as verified. The credit bureau recommended I take it up with the creditor. I sent a letter for Verification of Debt to Applied Bank at the address listed on my credit report. The address listed for Applied Bank on the Transunion Report was : XXXX XXXX, XXXX XXXX, FL XXXX. I sent a Certified Letter, Return Receipt Requested to Applied Bank and the Post Office replied back with " Undeliverable ''. According to the FCRA, if there is inaccurate information on my report and unverifiable, the item must be deleted from my report. I submitted the information to Transunion by certified mail and they opened a new dispute. When I called them, I explained that if the information on my consumer report is inaccurate, it must be removed. They declined and insisted the Creditor has the right to " correct their error '' and update the information. I believe my rights under the FCRA and FDCPA have been violated causing me embarrassment, lost credit opportunities due to both Applied Banks inaccurate information on my right and Transunion 's reluctance to follow the law. I would like this investigated and enforced. I am filing a law suit against Transunion and Applied Bank for Violations of the FCRA and FDCPA. Thank you. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
about XXXX weeks ago, I filed a dispute with Transunion about an item on my report. it was reported XX/XX/XXXX as delinquent. it was paid in full in XX/XX/XXXX but still remains on my report. I called them today and they told me the law say 's it can stay 10 years. this was a bank loan that has been paid in full since XX/XX/XXXX that is 8 years ago. could you please have them remove. bank in report is XXXX XXXX Bank XXXX, in XXXX XXXX, AR. the way I understand the law, is that only bankruptcy 's remain for 10 years. thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, Transunion continues to provide false and inaccurate consumer information in regards to my accounts as listed below : 1. XXXX XXXX XXXX. The account balance and payment history are incorrect as previously disputed. Account is current. This item must be updated or removed. 

2. XXXX Bank Account # XXXX. This account is current and the account balance is inaccurate. This must be updated or removed. 

Thank you for your assistance in getting these matters resolved.

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 2016-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is in reference to TransUnion , LLC continuing to report an account from XXXX XXXX XXXX on my report that includes inaccurate information, specifically the date the account was opened and the original amount owed. I disputed this information and currently have submitted a re-investigation. The original creditor was XXXX XXXX XXXX , XXXX and the debt was incurred in 2011 for {$510.00}. This inaccurate information is causing adverse actions in terms of credit and employment.

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 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 've just reviewed my credit score and noticed a significant decrease. After reviewing my report on XXXX, I 've had about 12 hard inquiries removed and then reinserted. This is against the law as I received no written notification of changes. I spoke with a rep from transunion by the name of XXXX and she states she 's unable to delete it because it 's a glitch on credit karma. I 'm assuming this same glitch has affected the other credit bureaus because my score has decreased between XXXX points in about a month. I do n't care who 's at fault, I just want all inquiries removed because it violates my rights as a consumer.

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 2015-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Credit bureau continues to allow XXXX accts to remain on my acct without providing proof of requested validation. I deny XXXX accts that continue to be shown and stated sold to diff companies with each complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: ALLY FINANCIAL INC.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have paid my car loan every month on time and my car loan company has reported me 30 days late for the past 3 months. On my credit report it stated I was 30 days late for XX/XX/XXXX on XX/XX/XXXX. I am in the process of purchasing a home. I am unable to proceed because my credit score and report have been negatively affected by the false reporting. I have contacted the loan company and was on the phone for an hour and a half with no resolution. I was told it takes at least 20 days to research the problem. This is causing myself and my family major problems in getting a mortgage for a property that we want to buy. We risk loosing the opportunity to purchase what we want because of the negative reporting in error. 
As you can see in the attachment of my payments there is only XXXX late fee assessed and it is in XX/XX/XXXX. This was not late as you can see it was paid on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The XXXX cadillac was wrecked XXXX/XXXX/XXXX. Ally was notified on XXXX/XXXX/XXXX that the car was total loss by XXXX insurance. At that time the insurance company requested the necessary documentation for the title. I completed my POA and returned to XXXX before XXXX/XXXX/XXXX. On XXXX, I received a call from Ally 's collections department. I advised the rep of situation and stated the check should be sent to pay off the debt. I called XXXX on XXXX, they stated all the documents had not been received and that Ally is known to send half of the information however the rep stated would request again. I received another call from collections and advised them again that this was to be taken care ... long story short - I have been on the phone with Ally and XXXX for several hours each week to get resolution. Finally on XXXX a check was over night to Ally. I get collection call on XXXX from Ally, I ask why are you calling a check was sent and signed by XXXX XXXX on XXXX at XXXX. Of course no body knows! Then I am finally told it takes 2 to 3 business to post payment. Ally 's customer service is horrible and this should not reflect by credit history negatively. I should not have to spend hours on the phone regarding paper needed to pay off a loan. This type of procedure should be common procedure that loan companies and insurances deal with all the time, but ever one just wants to point the finger at the other.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ad Astra is a collection agency that has taken over a debt that was discharged in my bankruptcy. I provided the document to XXXX XXXX months ago and now these people continually call me at work, on my cell and at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
When requesting the government mandated annual free credit report via Transunion 's toll-free number XXXX, 4 attempts are made to sell services to unsuspecting callers. First attempt is to sell you a credit score ( 1 for yes, 2 for decline ), then they follow up to ask if you 're sure ( 1 for yes, 2 for decline ), and then two attempts to sell credit monitoring servicing. As someone who works in finance, this is fine, but for many consumers this can be very confusing and lead to payment of unwanted services.

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