BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-12
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:
Transunion failed to conduct an accurate investigation of my complaint. My credit report still list XXXX XXXX as an open collection account. There are a XXXX of things that are in correct here. This is NOT the first time I 'm disputing this woth Transunion. Generally I get a generic response that they investigated. Yet I get no details as to how it was done and who they spoke to. 

1. XXXX is trying to collect on a XXXX account that have been paid off. 
2. XXXX is a collection company. The status of the XXXX account should not be " open ''. An " open account '' that is in collection is a different from an account that has been sold to XXXX as a collection. 
Please see attachment for a visual as to how it 's currently shown on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my requests to investigate and remove accounts from my credit file that were opened fraudulently.

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 2016-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I submitted a complaint against TransUnion for listing a business-related debt on my personal credit report within the last two years. I submitted proof that the debt was a un-guaranteed business debt. In response, TransUnion removed the debt. In a report that I received today, the debt re-appears.

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 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently applied for a mortgage refinance with XXXX XXXX Loans. The credit score reported by Transunion to XXXX XXXX Loans was XXXX. The credit score reported by Equifax was XXXX. My credit scores reported by Transunion through XXXX XXXX was XXXX and XXXX by Equifax. I understand that fines were levied by your agency just last week for this practice of reporting XXXX different credit scores to lenders and consumers and I would like these companies to cease this practice immediately and provide an explanation as to their continued violation of this forbidden practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX regarding an account. The written letter offered the option of " 1 payment of {$640.00} '' after which my account would be considered " Satisfied in Full '' once the payment is successfully posted. ( Please see attached letter ) I paid the {$640.00} ( please see attached section bank statement noting payment to XXXX XXXX ). XXXX XXXX now reports my account as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', with a reported balance still owing of {$1100.00}. The original balance reported was {$1800.00} -- XXXX XXXX XXXX has simply reduced the balance by the payment of {$640.00}, rather than updating the account to " Settled in Full '', as promised in writing. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.

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 2016-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Transunion dispute letters and Fraud Affidavit informing them that I was a victim of identity them. Someone use my information without my knowledge. I have disputed this claim many times with Transunion. They have stated that XXXX XXXX XXXX has verified this information. Which is ironic because I ca n't get them to send me any information with regards to this account. This account is not mine so I will like for Transunion to remove this information from my credit 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 2015-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX inquiries on my credit report from XXXX that shows opened. They have been taking care of as of 2011 and need to be shown closed Thank you, 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 2021-03-12
Company: Southern Management Systems Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My account was sent to a collections agency who never contacted to dispute nor validate the debt which was alleged I owed. There was a mix-up in the apartment room in which I resided with a college roommate. I reached out to the original creditor to inform them that I am disputing the amount owed. Instead of the company trying to rectify it, they maliciously sent my account to Southern Management Systems collection agency who never notified me to validate the debt. I have provided a video and photos of the room in which I resided in the apartment - the statement provided does not reflect the room I resided in and therefore I am disputing these charges and asked that the account be removed from collections immediately. This is a shady unfair practice and a violation of my rights. My account was sent to a collection agency without any notification from the collection agency. I WANT THE ACCOUNT REMOVED FROM COLLECTION IMMEDIATELY AS THE ORIGINAL CREDITOR IS AWARE THIS ACCOUNT IS BEING DISPUTED - THE COLLECTION AGENCY, BY LAW, SHOULD I PROVIDED ME WITH WRITTEN NOTIFICATION OF THIS DEBT AND A CHANCE TO DISPUTE AND VALIDATE BUT THEY FAILED TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am forwarding this correspondence to request an independent investigation regarding the latest investigation I requested regarding my account with XXXX XXXX. There were numerous inaccuracies reported. 

First, the TransUnion reports that I had paid late consecutively from XX/XX/XXXX until XX/XX/XXXX. This is false. As this vehicle is a lease, paying late those many times would 've caused XXXX XXXX to repossess the vehicle. This did not happen. Furthermore, the payments reports for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as being late are also incorrect. The original payment date at the time of the origination of the lease was changed to a later date in the month during the course of the lease. 
Likewise, after this investigation was completed on XXXX/XXXX/XXXX, I watched my score plummet nearly XXXX points after the request of the investigation. It is unclear how this investigation would cause my score to change. Also, inaccurately reported is the status of this account. This account is NOT CLOSED. The lease is open and active, per the XXXX XXXX online site. The lease is not due for completion until XXXX/XXXX/XXXX. 
Subsequently, I have enclosed the payment history for this file as well as the status of the file from XXXX XXXX indicating that the file is STILL OPEN and CURRENT. I request that all inaccuracies be deleted from my credit report and history and that my score be restored the XXXX points that were decreased as a result of this investigation. An investigation into the accuracy of information on your report should not be penalized in the way my report and score has. My current standing with XXXX XXXX on this account is paid/open and in good standing.

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 2016-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed reported late payments from child support office to Transunion. The late payments were taken off my credit report by Transunion on XXXX XXXX, 2016 and told me their investigation was complete and items were removed from credit report. However, on XXXX XXXX, 2016 they added these late payments back to my credit report and are telling me these late payments are reporting correctly. I have called the Office of the attorney General and they told me that they have not reported anything to Transunion after the resolution date of XXXX XXXX 2016 removing late payments from credit. 
If The OAG did n't report anything after XXXX XXXX, 2016 how is Transunion saying this is reporting correctly and add it back to my credit.

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 2015-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My Ch. XXXX bankruptcy was supposed to be removed XX/XX/XXXX. In fact, both credit agencies ; Transunion, XXXX, and XXXX confirm my discharge date of XX/XX/XXXX and wrote stating this should be removed from my credit report XX/XX/XXXX yet neither have removed it. I 've also written your agency about this without to date remedy. I 'm unclear why this has n't been corrected by you. Again, I 'm attaching documentation as such and would very much like my full report reviewed and prompt action against Transunion and XXXX and XXXX. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There 's a XXXX collection on my account reporting for {$780.00}. I 've never done business with this agency and they can not give me a signed contract or proof that I owe this debt. I have disputed this many times over the years. I have sent a written request for the credit bureaus to prove the debt is mine as of XXXX 2017 ; no response or any removal of the account as of yet. This is causing issues with me obtaining credit due to the negative information being displayed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: ALLY FINANCIAL INC.
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I can not access my Ally savings account via online, mobile or via telephone. It 's been over 2 weeks since I 've been able to access my account or even verify what my balance is. I 've called Ally on numerous occasions and I 've been told that it is an IT issue. I am refused my balance and twice I 've requested a bank card to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a new Cadillac Escalade in XXXX of 2006 and took out a loan through GMAC. The loan was paid in full, see attached title and pink slip but Ally Financial,. who bought GMAC, is showing on my credit report an outstanding balance of {$4200.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I put a dispute countless times XXXX got the same results I am on XXXX XXXX all my expense are paid to in full Have part A B D XXXX have for years XXXX are medical bills on my account that should not be there XXXX they wo n't remove them the crediter is saying they find no accounts under my name with. Outstanding balance Need help

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 2015-06-19
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:
When I first file complaint against TransUnion about information regarding my credit report. My FICO score was about XXXX with reporting to XXXX XXXX company. After a period of time information was deleted from my credit report but my rating went down somewhat. TU ( XXXX ) FICO On the complaint filed with Consumer Financial Protection Bureau case # XXXX section Desire Resolution I stated that " I want information removed from their credit reporting companies and XXXX points put back on my credit report with good standing. TransUnion did response and delet the information but the FICO SCORE was still to low.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing a XXXX XXXX account displaying on all XXXX major credit bureau since XX/XX/2016. The XXXX XXXX account in question is XXXX. XXXX and XXXX conducted their investigation and deleted the negative information reflecting on my credit report. Unfortunately, Transunion is being very uncooperative and using delay tactics contrary to XXXX & XXXX to resolve this matter. I have been disputing the information on this account with Transunion since XXXX 2016. Documents can be provided upon request..

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 2015-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there is a XXXX XXXX account on my credit report that is not mine. I have never had a XXXX account nor did I ever authorize the opening of such an account. the account number being reported is XXXX. I have no such account. I have not had any XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I initiated a dispute with TRANSUNION last year to challenge some inaccurate and unverifiable information on my credit report. At the same time I contacted the creditors in question per my right under the FCRA. I have received no response from the creditors and the credit bureau has stated that they verified the accuracy. I have requested in XXXX separate letters the " verification of procedures '' on how they contacted and verified these accounts in question. They have failed to provide this to me in writing. The issue I 'm having is that if the creditor supposedly verified with the credit bureau then why did they not verify with me, the alleged debtor. 

TRANSUNION has failed to comply with the federal laws in place to protect consumers from inaccurate or false reporting. This lack of due process and disregard for the federal mandate has placed a burden on my credit report and my family 's future. 

Please assist because I have no other way to turn, my next option is to hire a civil attorney. 

Thank you, ** all documents sent are provided in the document upload section on this complaint **

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 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I NEED TRANSUNION TO REMOVE ALL DISPUTEST AND DISPUTE COMMENTS FROM MY CREDIT PROFILE. I AM TRYING TO GET A HOME LOAN AND THE DISPUTES SHOWING ARE PREVENTING THIS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit. The company responded with this We have already responded to this consumer XXXX dispute back in XXXX XXXX, XXXX, informing her that the payment was received and the account will be updated as paid in full. The account was received in our office on XXXX XXXX, XXXX and the payment was not made to the account until XXXX XXXX. This was also closed per XXXX on 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 2015-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX and I am writing to report an error on my report. I have never had a XXXX XXXX Credit Card. I would like assistance removing this information from my credit report, as this account belongs to my sister, XXXX XXXX, now XXXX XXXX. I also wanted this company to take preventative measures, from now on, to secure the separation of my information with any other consumer with similar identification, such as my sister, and my mother, XXXX XXXX, XXXX XXXX, while married. 

Thank you for your assistance in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX accounts that affecting my credit report ( XXXX- XXXX ) 1-XXXX and 2 ) XXXX both destroy my credit report without reason. 1 ) XXXX the account was n't mine and is already paid by the owner of the account. 2 ) XXXX XXXX XXXX reported my account as deleted and turn my credit report down XXXX more points. I was not aware of because my credit was excellent and I found out when trying to refinance my home and it was denied because information received from the XXXX credit bureaus. On XXXX I do n't owe them any money, it was paid off when I refinance previously and I 've contacted both the store and the bank for more than 7 months and nothing is done but destroy my credit without a reason. I 'm sendind copies of all documentation to this matter. Please help me to solve this problem because I need to refinance my home to pay all debts I have and start clean of debts. I take care of my sister who is suffering from XXXX and I 'm XXXX and this is the only source of survive besides our XXXX checks. COPIES OF ALL RECORDS ATTACHED. Tanking you in advance for you prompt attention to this matter and the help you can give. XXXX XXXX phone 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 2016-08-23
Company: ALLY FINANCIAL INC.
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I send extra money with my regular payment to cover a late fee but the company does n't apply the extra amount to the late fees. They apply it to principal and carry the late fees forward. I have called company three months-XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- been told I have to call and ASK them to apply extra payment to the late fees. I have tried in that in XX/XX/XXXX and XX/XX/XXXX but it does not work. I have been told they would correct the problem and even given references numbers but the next bill shows up and nothing was done. On XXXX XXXX, 2016 I called and was told part of the {$30.00} late fee would be adjusted and the other part would be waived. With that assurance I sent {$260.00} to cover the remaining {$260.00} on the statement. They are still showing late fees. No adjustment has been made. I can never get my account caught up. Late fees keep accruing. It 's a scam. Their customer service is the absolute worst I 've ever encountered. The rep sounds like someone in XXXX and they talk and talk and never make any sense. I have spent at least 1.5 hours on the phone trying to resolve this issue and told at least twice it would be corrected and nothing is done.

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