BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX didnt provide me with the agreed upon paper or electronic statement for two months. No paper statements ever got to me and then gave me a call on XXXX for the XXXX time. They explained I had a late payment for a bill of about {$12.00}. I explained back I never got a notice or any reminder of that in any possible way other than promotional emails and routine emails. I was promised that if I pay on the phone entire amount plus XXXX month ( not XXXX months! ) of late fees, there will be no problem with credit reporting or anything else. I paid all in full as agreed upon on this first call I got form XXXX. Same day I saw to my surprise and against all that was explained to me on the phone that my account was reported delinquent by XXXX. I called back several times to talk to the XXXX but they didnt want to help or explain why the reporting happened after my account was fully paid. In addition, they only send me a notice to dispute the status of the account only after it was in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about 3 days ago it showed up on my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never opened an account with XXXX. I would like to have this account removed from my report. It seems as if the account was closed and is causing harm to my account. I do n't shop at XXXX and Never opened this account with my ssn. I am extremely concerned that someone has my information and can use it again at their leisure. Please help me to remove this account! Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion fails to remove the XXXX XXXX accounts.. Transunion reports incorrectly that this a duplicate 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 non-monetary relief
Consumer complaint received 2017-05-01
Company: ERC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX  I moved into a new house in a different city and transferred my services to that address. A few months later I received bills in the mail for a different addr ess on the same street with my name on it. It appears that duplicate accounts were made with my name and social security. The company would call me couple times per day to the point I had to block their number. I contacted them twice and spoke to the collections department both times they stated that two acco unts were registered and my social security number. I never received any calls or mail about being sent to collections. Most recently  XXXX   XXXX  I received notice via my credit report that I had an account in collections with an agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed the accuracy and completeness of my credit report by Trans-Union. They have continued to state they can verify information and the pay history is not in chronological order on any of my student loan information XX/XX/XXXX and XX/XX/XXXX. 
They are not accurate. They are reporting according to the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX has inaccurately reported to XXXX and TransUnion Credit agencies that I had a late credit card payment in XXXX of 2016. This is not accurate. After speaking with XXXX XXXX on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted XXXX they have informed me they have sent multiple off-cycle updates to the Credit Reporting Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either XXXX XXXX is not responding to the disputes or the Credit Reporting Agencies are not truly investigating and providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and XXXX along with the Credit Agencies have been contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement.

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 2015-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax and XXXX are reporting a false Judgement lien from like New Jersey that is not in any way personaly related to me and I ca n't seem to get Equifax and XXXX to remove it from my reports. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, 2014, I disputed a number of accounts for my husband and myself against my Equifax credit report. I also provided documentation to support my request. I received a notice that the dispute was received form the bureau. However, the items remain on my and my spouses report with no change. 

Since XXXX, 2014, I have submitted online disputes to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In XXXX XXXX, fraudulent attempts were made to access my existing credit card accounts ( unsuccessfully ) and to open new accounts ( unsuccessfully ). At that time, I placed security freezes with all XXXX credit bureaus. In XXXX, XXXX, XXXX of the XXXX bureaus ( Transunion and XXXX ) temporarily released the freezes to a fraudulent person. That person subsequently fraudulently opened XXXX credit cards in my name and then attempted a change of address on both cards. There is no mechanism in place for the credit bureaus to confirm identity ( other than the previously issued PIN ). A phone call to a phone an existing phone number in my credit file would have prevented the freeze release. Transunion released the freeze even though a credit card that was not mine was used to release the freeze. That credit card used is not on my credit report and the phone number used to release the freeze is also not on report. Transunion DID provide me with a new PIN after the fraudulent release AND it will ( supposedly ) now require a fax of identifying information prior to releasing a security freeze as well. XXXX released the security freeze even though the call to release the freeze was disconnected prior to getting any credit card to secure the release. XXXX then refused to issue me a new PIN without creating a new security freeze for an additional fee! So with XXXX there is still no mechanism in place to prevent the fraudulent person from again releasing the security freeze.

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 2015-12-23
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Renton Collections is attempting to collect an " owed amount '' for XXXX care. 

I explained that my insurance company confirmed that the amount sent to collections inaccurately included discounts that the provider had agreed to, and was working to resolve. 

In addition to being rude and aggressive, the agents told me that " in their experience '' my dispute was invalid and that I was wasting my time and that they would put this on my credit report. they said that if I went ahead and paid all or part while it was being reviewed that would be the best approach. I think this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a complaint with XXXX XXXX XXXX XXXX and their researched found there to be no loan of any type in my name with their company. I then sent all XXXX reporting agencies that information they still are reporting XXXX accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car was repossessed in XXXX 2016. When I called Ally to find out how much it would cost to have the car returned to me, I was told that it would cost {$1500.00}, and specifically told that this included the XXXX payment, and applied as follows : XXXX thru XXXX payment - $ XXXX XXXX payment 377.81+ Late fee XXXX {$1500.00}. Ally now says that I 'm late on my XXXX payment because they applied {$400.00} to the Redemption Center. I 'm complaining because it was never disclosed to me about the Redemption Center fee, and because I did not follow the instructions to have the money wired to them, but rather mailed a cashier 's check instead to the usual payment location, instead of to the Redemption Center.

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 2016-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A collection company by the name of XXXX XXXX XXXX ( a XXXX Collection Agency ) appears on my credit reports. They have also sent a letter to me. I live in XXXX. Based on XXXX State Laws, a collection agency MUST be registered with the XXXX to perform ANY type of collections process UNLESS they are the ORIGINAL CREDITOR. They are reporting an account THEY OPENED with an account number THEY ISSUED, without my consent, or permission ... which gives an appearance it is a new/revolving credit account opened this year. The credit bureaus have an obligation to COMPLETELY REMOVE these XXXX XXXX XXXX entries because of the gross deceptiveness of their practices.

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 2015-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX/XXXX/15 my credit score went from XXXX to XXXX due to my credit report showing " a derogatory public record or collection filed. '' I have not been sent anything legally certified in the mail nor have I ever received a judgment from any court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been identified as XXXX XXXX. I have never used this name. My name is 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 2016-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Original CFPB complaint filed under case number : XXXX. This original complaint was not investigated properly by the CRA, rather they decided to respond with a standard boiler plate response. The CRA mentioned in this complaint is not following the FCRA properly, in fact under a report from this agency dated XXXX XXXX, 2016, file number XXXX, the information that was disputed is listed on the report as " estimated month and year that this information will be removed : XXXX ''. It is now XXXX, so this information should have automatically purged. In fact, this has already automatically happened at XXXX. Rather, somehow TransUnion believes they need to confirm with the original furnisher of information. This would leave anyone to believe that TransUnion believes that the data that they furnish, might not be reliable and consistent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: ALLY FINANCIAL INC.
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/2016 the above documents, XXXX pages total, were mailed to Chief Financial Officer, XXXX XXXX XXXX to Ally Financial XXXX XXXX XXXX, XXXX XXXX. These documents. minus XXXX pages, were stamped Accept for Value, they were also endorsed with my XXXX File # XXXX XXXX Treasury Account #. These documents minus the XXXX stamped pages, XXXX pages total, were returned on XX/XX/2016 in the return letter sent by XXXX XXXX, XXXX XXXX Ally Financial. A XXXX of justice has taken place : 1. Full Disclosure ( I was not told that I was actually creating the credit with my signature ) 2. Equal Consideration ( they brought nothing of value to the table and so have nothing to lose ) 3. Lawful Terms and Conditions ( was actually based on fraud ), and 4. The signatures of both parties ( corporations ca n't sign because they have no Right or Mind to contract since they are soul-less legal fictions, and no third party can sign a contract on their behalf ) ***DULY NOTED : ITEMS XXXX-XXXX WERE NOT RETURNED BY XXXX XXXX , FRAUD INVESTIGATOR FOR ALLY FINANCIAL XXXX XXXX XXXX, XXXX XXXX IN A CORRESPONDENCE DATED XX/XX/2016 AND RECEIVED ON XX/XX/2016. THESE DOCUMENTS WERE MAILED TO ALLY FINANCIAL ON XXXX/XXXX/2016 TO CHIEF FINANCIAL OFFICER, ALLY FINANCIAL XXXX 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 2016-06-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Currently I have a first mortgage, with about XXXX dollars un paid. I have a home equity loan from Wells Fargo of XXXX dollars and used XXXX. It was an interest only loan ; and they also became the second holder of the mortgage. In XXXX of XXXX they matured the loan and demanded full payment. I could not pay. So after a running discussion with their staff, and my submission of documents supposedly for a modified loan, which came back in the amount of XXXX, but this on top of XXXX first mortgage clearly could not work. 
I wrote them a letter saying why, and that I was just digging a deeper hole, and would they consider an amount of approximately XXXX - XXXX dollars a month. They said flat out " no '' and based it on my gross income. Did not take into account that I am XXXX years old, and while I had a XXXX, which I no longer have. My net income is XXXX dollars, pension and social security. At first glance one says, well, he should be able to do it, but taking care of house, those expenses as well as medicines, family expenses, it would be choke tight, and after a period the loan at that amount would become delinquent and more charges would be added. I paid, without fail, the interest on this loan for over XXXX years. 
Second issue, the loan was in fact predatory, in the sense that as I remember they sought me out, and must have realized when they visited that a house I paid less than XXXX dollars, a HUD house that had been vacant for many years in a shaky neighborhood, could not have been worth the value they put on it of - {$120000.00}. They seemed to know what they were doing. Now they are threatening to foreclose. On XXXX/XXXX/XXXX, I received a notice that they were foreclosing if I could not cure the default by XXXX/XXXX/XXXX. This is not something I can do. 
In our last discussion on the XXXX of XXXX, when they were pushing me to sign the modification and insisting that I pay XXXX monthly payments of XXXX each. It was sign or not on that date! But strangely, as I talked about how I came to the home equity, and that the person who came out was looking at me incredulously. We were on a XXXX-way call, and the XXXX Wells Fargo people, each uttered, at different times, more a kind of, blurt, " write off '', it was noticed because it was not tied to any discussion that we were having out loud, meaning maybe they were having the discussion in their heads. The words were out there, and I did not ask, because I, only in recalling the discussion, thought that these utterances might be significant. 
More serious is the fact that I do not have a full sense of my legal property rights on 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 explanation
Consumer complaint received 2017-02-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I took out student loans with Wells Fargo to help pay for my XXXX degree. After I graduated from school, I " paid off '' both of these loans upfront in full, single payments. Months later I get a notification from Wells Fargo stating that I was delinquent on my student loans. How could I be delinquent on student loans that I just paid off?? Their student loan practices are unethical. They are making money by nickel-and-diming me by using these hidden, unfair payment tactics. I never received any " notifications '' either about the " status '' of my student loans -- Wells Fargo said that they emailed them to me each month ; this is FALSE. I have never received any such notifications from them. They know my current email address, and I have yet to see XXXX single notification from them about my " unpaid '' student loans. This is fraudulent, unethical, and greedy. I borrowed money from this institution and paid it back in full, upfront. No partial payments involved, only complete lump sums. Why is Wells Fargo doing this?? I feel violated and taken advantage of by Wells Fargo. They have completely breached their fiduciary duty as a bank. I will be terminating my account with them tomorrow.

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 2015-11-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo permitted un authentic ACH request documents to be submitted on my behalf that allowed ACH money to be transferred out of my savings account. ( {$70000.00} ) Wells Fargo did not verify with me the documents the received, did not verify my signature on the document or any standard verification for ACH set up. Wells lacked sending me the standard alerts which are typical for a " new '' bill payee and I did not get the normal account notices when money is transferred from my checking or savings. 

I personally tracked down all XXXX from the information I gathered on the bank statement the day the theft was discovered. I located a legitimate XXXX company in XXXX called XXXX XXXX XXXX where the money was sitting. I had the accounts frozen ( bogus accounts were set up in my name to accept the ACH transfers ). Wells Fargo has never called, its been 7 days. I complained to my local branch office on XXXX/XXXX/2015 and still today have received NO communication from the local branch employee. 
A stop payment of XXXX was successful for the last few transfers, that was verified Friday however Wells Fargo has not given me that money back yet. It is MY money. 
Today I verified that the remaining XXXX has been successfully wired back to my accounts. This was done by me. Wells still clueless.

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