BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Medical collections that was removed by company has been re-inserted as a collection 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 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX address ex wife XXXX ex wife name the only information related to me is XXXX Mi XXXX all other are not mine and should be removed they are related to an ex wife

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 2016-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion has incorrect and outdated information on my credit report such as : past addresses, work history, credit accounts opened if my name fraudulently, and is allowing 3rd party lenders who view my report and send me offers even after I 've called the XXXX number and opted out.

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 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
According to the Fair Credit Reporting Act ( FCRA ) the consumer reporting companies role is to review the accuracy and completeness of any dispute by contacting the source XXXX creditor/s XXXX and to inform the creditor/s of all relevant information regarding consumer 's dispute. For over one year I have asked why the XXXX XXXX Account is being reported as an adverse account or an account that may be considered negative. The credit agencies have failed to address this very issue. The only responses received from the credit agencies are that the XXXX XXXX account is being reported accurately. 
I have written letters to XXXX XXXX asking why account is being reported as an adverse account or an account that may be considered negative. XXXX XXXX concluded that they have certified that account is reported accurately as open/current with no delinquencies. 
A letter from XXXX XXXX stated that their responsibility to their customers is to report accurate payment history and that they have no control over how the information is interpreted by the credit agencies. 
Why are the credit agencies insist on reporting XXXX XXXX Account as an adverse account or an account that may be considered negative? These credit agencies have yet to address why account is being reported in this manner. Reporting account as an adverse/account that may be considered negative is having a negative impact on credit scores. 
Items found under accounts that may be considered negative include late payments, charged off or sent to collections, bankruptcies, liens and judgments or account that are not necessarily negative, but that a potential creditor might want to review more closely. XXXX XXXX account does not fit any of these categories.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only XXXX account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just XXXX and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why TransUnion continues to report it twice and with a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX of the names listed on my account is spelt incorrectly

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 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address listed on my credit report that I never lived at. The address is:XXXX XXXX XXXX XXXX. XXXX, IN XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I checked my credit report and all of my inquiries were deleted. I login today and now they are back which are affecting my credit score.

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 2016-12-23
Company: ALLY FINANCIAL INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Financial is claiming my mother and I owe a debt with their company but I have requested in writing and verbally to them to send a debt validation, to be able to validate the debt.According to the Fair Debt Collection Practices Act, I am allowed as the consumer to ask for a audit certification of debt entry which they already have refused me. I have spoken to a lot of people in their company, and now they are giving me the run around and when I requested this information they illegally put the car into repossession. The car has not been repossessed at this time, but they are threaten to take the car without following the laws. I did do some research and saw that Ally did get in trouble before for violating the laws, they seem to not know the laws when I quote them. I also did record some of the workers letting them know I recorded and I also have the letter that I mailed to them almost a month ago. I called and tried to reason with them but they just gave me the round around so I need the federal government to step in again and enforce the Fair Debt Collection Practices Act, as well as IFRS and GAAP. I also requested to see their tax registration certificate, because I am now questioning the validity of the company. Attached on is the letter I sent to Ally, as well as the last letter they sent me. I also photographed the back of the sheet Ally sent me because a collections worker for Ally by the name of XXXX with employee ID number XXXX told me that there is back of the sheet that had a different address to send letters to. I checked and there was no back of the sheet which I photographed. The only address on the sheet is XXXX, MN XXXX. Please do not hesitate to contact me for further information, because they are trying to repossess our car and the other account holder is XXXX and I really need the car to take her to appointments.

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 2015-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Complaint : XXXX XXXX XXXX : After paying to get my XXXX credit Scores and account information:1. Why is Transunion showing my fico score of XXXX, when XXXX shows XXXX, and XXXX shows XXXX? 
2. Why on my credit report is the foreclosed property from XXXX stillon Transunion reporting and it has been completely removed from XXXXand XXXX? 
3. As the consumer financial protection bureau knowsA : The mortgage abuses from XXXX and all banks and wall streetcaused this foreclosure and short sale nightmare. It was not causedby the millions of consumers in USA, or the millions living in XXXX. 
and XXXX county. 

4. Is Transunion willfully, maliciously abusing me and millions of other consumers? 
A : What criteria is Transunion using to have my fico score at XXXX vs XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened a credit account with a jewelry company. The account reported for a month and then disappeared. The account is still active and in good standing and its sudden disappearance adversely affected my credit score by lowering my available credit and raising my credit utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Two tax liens are incorrect and reporting with Transunion. I have searched my name under Georgia Department of Revenue site under delienquent taxes and results list " no date found '' ( screen shot attached ), at the following Georgia State Department of Revenue website below XXXX/Search.aspx

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Inquiries on my TransUnion report were removed and re added to my report without notice or explanation. 
NAME OF COMPANY : INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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 2015-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TransUnion Credit Reporting has consistently failed to report on my credit report the existence of my XXXX XXXX XXXX credit card. Both XXXX and XXXX report the existence of this credit card, but not TransUnion. When I phoned TransUnion in XXXX XXXX about this material omission, I was told by TransUnion that they never heard of my credit union, and that the only way TransUnion would report my credit card is if XXXX were to contact the TransUnion Sales Department ( and become a client of TransUnion ). However, when I then spoke with XXXX XXXX XXXX, they told me they already report to TransUnion, and other XXXX credit card members do have their XXXX Credit Card information being reported by TransUnion. XXXX told me to go back to TransUnion to file a complaint, but again, TransUnion already told me to tell XXXX XXXX XXXX to contact a sales rep from TransUnion. Below is the last email I received from XXXX XXXX XXXX about this matter : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On Fri, XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX wrote : XXXX XXXX, I had reached out to Trans Union on more than one occasion after speaking with you informing them of this specific issue. 
I confirmed XXXX does report its data to TU ; in addition, we tested other member accounts from XXXX to XXXX and they are reporting accurately. 
Both XXXX and XXXX are reporting your credit card correctly. 
My recommendation would be for you to contact them directly ; the following information was received from their web site : CREDIT DISPUTES Dispute an item on your TransUnion Credit Report or check the status of an existing dispute XXXX XXXX XXXX XXXX | VP Collections Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ma XXXX XXXX XXXX XXXX | Tel XXXX XXXX XXXX| Fax XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This suggestion by XXXX XXXX does not actually help me, because I had already contacted TransUnion and TransUnion already told me they never head XXXX XXXX XXXX Union, and the only solution is for XXXX XXXX XXXX to contact a sales rep from Trans Union to open an account with Trans Union. 

Clearly, someone here is not telling me the truth, but there is nothing more I can do about this situation. 

I would like TransUnion to report the existence of my XXXX XXXX XXXX Credit Card which is an account I have had for several years now and already appears on my other XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My ex husband opened an XXXX XXXX account 12-15 years ago. While married I was on the account as a authorized user. We have been divorced for 12 years. Shortly after the divorce he took me off as a user. I have asked him for years to make sure I was taken off because still to this day his balance on that credit card shows on as my debt on my credit report. I have attempted to call the company and its very difficult to speak to a person because obviously I have no account information because we have been divorced for 12 years and live in different states. I finally spoke to a person and they said I had to submit in writing, which I did. After a few months of not hearing a response I called back and was told I was not any where on the account but if my concern was the reporting to my credit report than the account would have to be paid off in full and my ex husband would have to open another account. This {$10000.00} debt has hindered my credit score and my ability to buy a house for years and I am feeling like I am out of options for getting anything done through XXXX XXXX. Any help on this matter would be appreciated.

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 2016-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I resided at Edge XXXX XXXX OH for XXXX month and left after my contact expired paying all my bills in full. However the management sent my account to collection agency and reported me to credit bureau stating there are an outstanding balance of {$960.00}. I reached out to XXXX which is the management and i was told i have to pay a sub leasing fee of {$960.00} although, there is no agreement made between me and XXXX and my contract was maintained until i left and there were no violation whats so ever. I left after XXXX month residing at XXXX because i was relocated to Michigan for work and i supplied them with a documentation stating my situation and I brought in a new tenant my self to take over the remaining XXXX month rent without any cost to XXXX or any damage to property. 
Despite all my effort to leave the property in a good term XXXX decided to billed me {$960.00} which i strongly disagreed. 
As a result I have a derogatory marks in my credit history hence XXXX reporting. I would like the bureau to remove this derogatory marks based on inaccurate information.

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 2016-11-21
Company: ALLY FINANCIAL INC.
State: NJ
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I was informed XXXX certificates of deposits were closed as being dormant, even though they were rolled over just this year. The funds were sent to the State of New Jersey, though the state has no record of the transfer. Not only did I not think the accounts were dormant, I received emails from the bank ( Ally Bank ) when they were rolled over saying, " The loyalty reward at renewal is automatic, you do n't have to do a thing. '' XXXX CDs had a rollover within the last calendar year, which belies the bank 's claim that the accounts were dormant for 18 months.

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 2017-02-08
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:
I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) i would like them removed 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 non-monetary relief
Consumer complaint received 2016-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have lived at the same address for 19 years. There are XXXX more addresses listed which i have never seen before. I have never lived in the XXXX area or suburbs. Someone seems to be using my name and/or soc to open XXXX and XXXX accounts again. I went through this same thing about 5 years back and it seems to have resurfaced somehow. I need to clear this up and need some guidance.

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 2016-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, This company is continuing to request payment for accounts that I do not owe on. {$140.00} from XXXX on behalf of XXXX 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to TransUniion. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against TransUnion and in their respective state and both of these companies if this is not resolved NOW! 
I 've never had this type of trouble before with TransUnion. My report with them has always been clean. I 'm suprised TU! 
ALL references regarding this account must be deleted from ALL reporting agencies. -- Thank you, 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 2015-12-13
Company: MIDCOUNTRY FINANCIAL CORP
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The creditor calls my workplace on several occassions knowing that it would be difficult in my work setting and my employer does not allow phone calls at work. The creditor also sent a letter to me stating that they will notify my employer of the debt in order to get payment in 5 days if i dont set up payment arrangements even after wage assignment had been withdrawn by me.

Company response to consumer: Closed with explanation