BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of Identity Theft. I submitted a Victims FTC Affidavit ( XXXX ) along with a Police Report ( XXXX Police Dept - Report Number ( XXXX, Officer XXXX - Badge # XXXX ) and spoke with Supervisor XXXX XXXX with TransUnion who stated that he could not accept my information because there was payment history made on fraudulent accounts. I stated that some of the accounts that were being investigated had large balances : For instance there are XXXX child support cases with balances of XXXX, XXXX and XXXX equaling {$190000.00} so how in the world does this show positive payment history. I also explained that my son and father also share the same name. In closing per the FTC if a victim of identity theft submits and affidavit and police report that the Credit Reporting agency must comply and block those accounts within 4 days. Transunion is refusing to follow the laws put in place to protect consumer rights.

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 2016-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run 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 explanation
Consumer complaint received 2016-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I made a dispute on XXXX accounts from XXXX XXXX XXXX through Transunion. The XXXXaccounts were generated on the same day, XX/XX/2013. These accounts were completely paid off ; XXXX account was removed and the other XXXX remains on my credit report. I have written several letters to XXXX XXXX XXXX and Transunion, requesting the other XXXX accounts to be removed also. I have been unsuccessful at getting a legitimate answer for my requests.

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 2015-03-25
Company: Delbert Services
State: MT
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$10000.00} on XXXX XXXX, 2013 from Western Sky Financial. They then charged a {$75.00} doc fee out of the loan amount. Then I made payments of {$740.00} for 15 months and borrowed money from my mother to payoff the loan, the payoff was {$10000.00}. I made XXXX payments and the payoff was still more than the original loan. The interest was 89.68 % if the loan had been paid in full the total amount would have been {$62000.00}. I was just informed that Western Sky has been sued for this exact type of loan in multiple states claiming the interest rates far exceed many state and federal interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX continues to report that I owe them money. I have called, and emailed them to no avail. They took the money years ago on a treasury off set, deducted from my tax return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am unable to change my address and phone number on credit report, nor will TransUnion provide access. 
My address is wrong as well as my number. I have been denied auto loan and rental application due to this. 

XXXX Texas XXXX XXXX home phone XXXX Work

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 2015-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account that should be closed, but is reported as open in my XXXX report, in error : XXXX XXXX. 
StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXAccounts that are current, but are reported as missing payments in my Equifax report XXXX although they are current and receiving {$330.00} dollars a month : XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXDP of Educatoin XXXX Due $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXAll these loans above are part of the DEPT OF ED/XXXX loan and need to be closed, as they are now part of the XXXX total sum, which is {$45000.00} dollars. These loans have all been consolidated into XXXX loan serviced by XXXX shown below : DEPT OF ED/XXXX StudentXX/XX/XXXXOpen - CurrentNo Missed Payments {$45000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a 60 day late notice on my credit score from ally financial. I had arranged for a payment to be pushed to the back end of my car loan while starting a new job. I made payments as scheduled in respect to this arrangement. 
This debt was moved- it not late. It should be removed from collections as it dropped my credit score over XXXX points.

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 2017-10-11
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Violation of the contract per the HUD XXXX statement was noted on XXXX/XXXX/XXXX with a incorrect interest rate adjustment being imposed via XXXX mail. XXXX ( employee # XXXX XXXX in Special XXXX Department assured us it was corrected from 2.625 % to 3.25 % XXXX the correct interest rate adjustment ) and did not know why someone was going into our account at this point of the year and adjusting our rate incorrectly. Today XXXX/XXXX/XXXX XXXX employee # XXXX in a recorded conversation by me was not able to explain why the interest rate was adjusted again and why XXXX payment due was calculated wrong again. There is gross mishandling of accounts and poor customer relations ( ie calls dropped or transferred.

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 2015-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested a credit report do to identity theft and they said they could not prove my identity from the address iam currently I moved in XX/XX/XXXX to XXXX XXXX XXXX XXXX va XXXX I used to live at XXXX XXXX XXXX XXXX va XXXX for about a 1y1/2 year in XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I wrote Transunion on XXXX XXXX. I reviewed their investigation results and let them clearly know I did NOT dispute their findings ( letter attached ). I received a response from them date XXXX XXXX. They did not take anything I asked out of that dispute status. Because of this my mortgage person can not get me approved for a mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Disputed mulitple entry on credit report with trans union on several occasions. Trans Union will verify the account is at XXXX balance but refuses to remove the duplicate entry.

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 2016-10-01
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:
On or about XXXX XXXX, 2016 I contacted the Transunion CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.

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 2016-05-24
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 had a lot of medical bills in the last few years, so decided to apply for for a loan to pay down some high interest credit cards. I have n't bought anything expensive in years, so had never checked my credit report. The first item on my TransUnion report was for a XXXX XXXX account that was n't mine! Someone opened an account in XXXX and had paid well until three months in XX/XX/XXXX. I have NEVER had a XXXX XXXX card nor have I ever applied for one. I have always paid my billsand have never gone over my credit limit. I submitted a Dispute Resolution to TransssU Union ( it is still in the works ), so they immediately hit my credit score for XXXX points! This is not right! I think credit reporting companies have way too much power to ruin people 's credit. I love the way they offer {$20.00} per month credit monitoring services! Can we say c conflict of interest? Why should applying for loans negatively affect your score? I put my middle name on the Dispute document so I suppose I got docked XXXX points for that? That is absurd!

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 2016-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a XXXX Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XX/XX/XXXX to XX/XX/XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX XXXX. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as Transunion , LLC, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion had a glitch and violated the rights of the consumers such as myself 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 a violation and I am requesting that all inquires 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 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XX/XX/XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then 7 years which would have been no later then XX/XX/XXXX. 
The judgment was paid and released on XX/XX/XXXX, this XX/XX/XXXX is ( 9 years ) I feel that all XXXX Transunion, XXXX and XXXX bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all three bureaus REMOVE this immediately from both my name and spouses. It was paid and released over 9 years ago and taken off and on our credit, most recently placed on again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
YOUR COMPLAINT To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I mailed the credit bureau in XXXX. It is now XXXX and they have not responded.

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 2016-08-25
Company: Paypal Holdings, Inc
State: WA
Product: Credit card
Issue: Other

Complaint:
According to the terms of my paypal credit and the most recent statement my payment should be {$25.00} however paypal claims it is {$120.00} after 7 hours on the phone they refuse to correct this obvious mistake. The minimum payment is {$25.00} not {$120.00}. They also refused to allow my to dispute a charge of {$390.00}. Many calls were placed to paypal and paypal credit in regards to an item that was delivered broken and useless. First the claimed that the time limit was 45 days when the written invoice stated 180 days. After many calls disputing this fact finally they agreed to a refund, but that was not true and many months later now state that it is past the 180 days so nothing can be done but every effort was made to dispute the charges immediately upon arrival of the product in bad condition. They state that it is not possible to communicate with anyone beyond customer service and that there is nothing customer service can do. It is very troubling when a company and take XXXX of dollars from you in fractions of a second but any effort to correct a mistake or protect the consumer from fraud can only be done slowly over many months and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: TOWNE MORTGAGE COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We got a construction loan from an out of state lender. It is over a year past construction completion date and the house is unfinished and exposed to elements. We continue to pay the mortgage in its entirety, even though the bank has only release a fraction of the approved funds. The bank and its CEO are all aware of the situation but continue to ignore the situation and have not done anything to protect the house or rectify the situation. We are not allowed to access the borrowed money. We continue to bare the financial burden of paying for a mortgage on a house which is unfinished and is in perpetual worsening condition and is rendered uninhabitable. The bank is the ultimate arbitrator within the mortgage agreement yet has acted irresponsibly and negligently within respect to the house and its condition to the elements and in respect to not mending the mortgage payment monthly to reflect what amount of money has been released to offer some kind of financial relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-14
Company: I.C. System, Inc.
State: WV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My current credit report has a collection item from IC Systems XXXX XXXX XXXX XXXX XXXX MN XXXX Account XXXX Original creditor XXXX XXXX this account has been on my credit report as far back as a copy I have from XX/XX/XXXX. The date listed is XX/XX/XXXX as collection date. I disputed this item and won, this item was removed However it keeps reappearing on all XXXX credit reports. I would like to have this item removed permanently. I am trying to repair my credit is there is no need for this company to keep adding a false item to 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