BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed the XXXX account on my Trans Union Bureau as paid in full. I sent them a copy of the paid letter attached. They did not remove the balance.

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 2016-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My Trans Union Credit Report Shows A balance After My Chapter XXXX Bankruptcy Was Discharged. 
Reference Number XXXX Court Circuit Court Date XXXX XXXX, 2012 Status Discharged in Bankruptcy Amount {$13000.00} Classification Legal Item Type legal items

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 2016-02-10
Company: ALLY FINANCIAL INC.
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
When I log into my Ally Bank account, it used to always send me a one-time login code to my email address. I always check 'this is a public computer ' so they will always require the code, as I sometimes have guests and would rather not have reason to suspect a guest if somebody hacks into my account. I also occasionally access my account from the public library. Recently, the last few times I 've logged in, it has NOT sent me a one-time login code to my email address, thereby increasing the chance that a guest, or somebody at the library, could hack into my account. I have contacted Ally several times, asking that they re-set my default login to requiring the one-time login code for my security. " do not EVER allow anyone including me to access my account without sending a confirmation email to my XXXXXXXXXXXX email address. I am on a public computer and will hold Ally responsible if there is any misuse of my account. This is the second time I am contacting Ally about this. If it happens again I will file a complaint with the CFPB. '' They responded that " we can not comply with this email verification process ''. Which is XXXX. Ally has previously required such email verification, and other online banks require it. There is no reason that Ally - an exclusively online bank, which should be at the forefront of internet security - can not do this ; they 've been requiring an emailed one-time verification code for as long as I 've been a customer there except for the past month or XXXX. Please encourage Ally to be more proactive in internet security and more responsive to customer needs by requiring such a code to be entered when I log in. Thank you.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX is stating the account paid in full and consider closed but reporting late payment for the month of XXXX. I called several time to XXXX XXXX  XXXX and all 3 credit bureaus to fix this matter. No late payment at all. This is the second issue I have had with reporting from 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 non-monetary relief
Consumer complaint received 2016-08-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
One day My husband decided to check his credit report. He discovered that Carrington Mortgage LLc had reported late payment on our Mortgage loan on all credit Bureau 's. This caused of course a lower credit score and now months trying to clear this off our credit report. The month 's Carrington reported late payment were XXXX 2015 and XXXX 2015. I contacted Carrington to inquire about the late payment. Their answer was that it was late because the pay off was made on XXXX XXXX, 2015. Had it been on XXXX XXXX, 2015 then it would not be considered 30 days late. I submitted my XXXX dispute on all credit agencies for this to be removed for it was not accurate. They removed XXXX but not XXXX. I contacted the credit bureau 's to inquire why only XXXX was removed. They said I needed re dispute with more documents. I contacted Carrington, but the only form they provided us with was more like a statement of payments. So my only option was to contact XXXX our new Mortgage company in hopes off getting any documents showing when Carrington got paid. They provided me with the disbursement document. The document shows that XXXX paid off Carrington on XXXX XXXX, 2015 through a wire transfer. So I submitted a dispute once again. This time I attached the Disbursement document and the letter we had received from XXXX stating when they acquired our Mortgage loan which also stated it was in XXXX XXXX, 2015. In all this us as consumers have no control for there was a third party involved XXXX XXXX and it was during a refinancing period. In conclusion the documents submitted to the Credit Bureaus validates that is was never paid late. I do n't understand why Carrington insist otherwise. This has put a big scar on my husbands and my credit report. We have never been late payment on anything, ever! Not only does this affect my husbands and my credit score but most importantly career opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have submit a identity theft Affidavit to Trans union by certified mail they received it XXXX XXXX that the should block the fraudulent acc that on my credit. I called sever times to speak to supervisor the said they filled out a form for someone to call me back. they will not follow the laws.

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 2015-10-01
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have filed for Chapter XXXX and was granted a discharge of all debts, including an Auto loan from Ally Financial. They are still reporting this loan as delinquent to a number of credit reporting agencies. Did send them a letter to stop reporting on this debt, but they will not comply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company XXXX, GA XXXX. 
for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency XXXX. claimed that XXXX violated the FCRA by the company XXXX allegedly erroneous reporting of XXXX XXXX XXXX on 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 2017-02-03
Company: NCC Business Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have referred a complaint to the Department XXXX ( XXXX MD ) and XXXX Services for resolution. The defendant sent my account to NCC Business Services for collections. This entity failed to send me a notice of debt - for more than a week. I called the CEO and he cut off my call. I continue receiving calls, the company is still refusing to send me the letter of debt, nor acknowledge that the matter is still under review between me and my previous landlord. 

The landlord in question is XXXX XXXX. This company opted to threaten us with an adverse incident on our credit record, rather than trying to resolve the underlying complaint. Their verbal statement was, " We did not feel the need to respond to your email, because we knew we would XXXX up your credit if you do n't pay us. '' Consequently, we filed the necessary complaint with our county. They continued to pass on the debt to NCC, who started their campaign of abuse. During the latest call this morning I was told that I was not going to receive the notice of debt at all. I was just to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a bill in collections from XXXX and it is because my initial bill was on a payment plan which was agreed to by the original creditor as they set me up on the plan. I received a letter on XXXX/XXXX/XXXX stating as of XXXX/XXXX/XXXX that I was being placed in collections. I called the original creditor the bill was with and they stated it was an error on behalf of the XXXX party and they were just supposed to be handling the bill. They looked and confirmed the bill was up to date and never late and my final payment was to be paid XXXX/XXXX/XXXX. I received a confirmation email that I paid the bill in full once the final installment was paid. Suddenly in XXXX XXXX I received a notice on my credit report that I was turned into collections. I then called the original creditor XXXX/XXXX/XXXX and asked them why they did this. They called the debt collector and said it was straightened out but they said there was no guarantee it could be taken off my credit report. In essence I was turned into a collection agency in a fraudulent manner. I then disputed the ding on my credit with Transunion and XXXX, with Transunion showing as it being open and outstanding and XXXX showing that the bill was paid and closed but still in collections. XXXX went ahead and deleted the blemish from my credit report but transition changed their status to paid and closed but in collections. They also resported the information in an inconsistent manner. I have emails about the payment plan and proof through my bank statements that the payment was taken out each month for several months on the agreed dates. I truly feel that I was wronged in this matter and I am extremely dissatisfied with the initial creditor, the collections company, as well as transunion. I am in the process of eliminating my debts and trying to purchase a house and now I have a collection listed on my credit and I will go to any length to have this removed from my Transunion report and have the correct information reflecting on my credit report. If I would have known this blunder would have occurred I would have just suffered a bit more and paid the bill in full. I want my credit report to go back to the way it was. If I am not able to get a proper resolution I will likely see about taking the original medical creditor and the debt collector to small claims court, or possibly even seek a lawyer to take legal action against them. The original creditor was XXXX and the collection company is XXXX The date of service was in the XXXX of XXXX XXXX a hospital in XXXX, colorado.

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 2017-02-09
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted LoanCare in XX/XX/XXXX and advised them not to pay property tax bill until revised statement was received as my residency had changed and my property tax bill was going down significantly. I received revised statement and forwarded them a copy. On XX/XX/XXXX they paid the incorrect amount ( {$5000.00} vs. {$1800.00} due ). I immediately contacted them and they stated they would open a case to investigate. They stated that they had to pay the initial bill since it was due. The original bill was not due until XX/XX/XXXX I made several attempts to follow up, but to date ( XX/XX/XXXX ) they have not credited the difference to my escrow or issued a refund. I contacted my county tax office and they stated they issued a refund check for the difference on XX/XX/XXXX. I called LoanCare again and they state they have no record of receiving this payment. I asked to have a manager call me back and they have not. I have since paid the loan off in full and I would like the difference refunded ( in addition to my current escrow balance ) immediately.

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 2016-06-10
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:
Transunion has placed false and misleading information on my credit report that led to me being turned down for credit ( {$130.00} to XXXX XXXX XXXX of Virginia and {$51.00} to XXXX XXXX XXXX of Virginia was reported.

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 2022-08-04
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
s/items which do not belong to me or were opened without my permission. 
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 response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I TRIED TO ACCESS THE ANNUAL ONLINE CREDIT REPORT AND THE SECURITY QUESTIONS THEY ASKED DO NOT PERTAIN TO ME AND I DONT RECOGNIZE ANY OF THE QUESTIONS AT ALL.I ALSO TRIED TO GET REPORTS FROM EXPERIAN AND XXXX AND THE SECURITY QUESTIONS ARE ALSO UNRECOGNIZABLE TO ME.HOW CAN I FIX THIS?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a new number. When I downloaded Cash App on my new phone to access my account it kept giving me an error message stating my info was incorrect. I do business using my cash app account, so this is completely an inconvenience and poor customer service. I tried reaching out to the company numerous times, emails, calling the number online in which your unable to speak with any representatives. It has been a complete nightmare. Not only do I have funds in my cash app account I also have provided my personal bank account information with a company that I can not even speak to. Please assist me in speaking with someone from this business. Once this issue is resolved, I will NEVER use Cash App again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX, Experian, and XXXX. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have many things on my credit report that do n't belong to me. Their are addresses that I have never lived at and my name is spelled wrong as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: TRUSTMARK CORPORATION
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My checking accounts at Trustmark Bank have been compromised. A great deal of money has been stolen from each account. There are multiple debit card transactions that are inconsistent. There are also internet banking accounts that I did not authorize. I never use internet banking. In addition, I strongly believe there are several debit cards that were issued to others without my authorization. I am a victim of Identity Theft. I have a claim/case with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EXPERIAN HAS NOT PROPERLY REQUESTED PROPER DOCUMENTATION WHICH PROVES XXXX IS RE-AGING XXXX DEBT/CREDIT TRADE LINES IN VIOLATION OF FCRA GUIDELINES AND FTC MANDATES : PLEASE READ MY COMPLAINT AS FOLLOWS : I XXXX XXXX am filing a complaint against my former mortgage servicer. The original servicer has long been eliminated from my credit report, simply because my first late payments were registered in fiscal year XXXX. XXXX XXXX took over servicing in XXXX, and they have cut off over five ( 5 ) years of my payment history simply to re-age the debts, and these debts have been satisfied in full. The seven year applies as mandated by federal guidelines, both under Federal Trade Commission federal lawsuit decisions and by the Fair Credit Reporting Act. The original servicer was XXXX XXXX XXXX, long out of business. XXXX is simply re-aging a debt ( s ) trade lines they have no legal right to. In general, XXXX of these accounts need to be deleted permanently and that my file information be purged with prejudice.

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 2015-07-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX/XXXX/2015, I sent a letter to Experian informing them that I had paid a debt listing on my credit report under a collection item. I paid the original creditor, XXXX, on XXXX/XXXX/2015, in full in the amount of XXXX, confirmation number of that payment is XXXX. I stated in my letter that the collection listing under XXXX XXXX XXXX needed to be removed. Experian notified me that the debt was actually mine and have not removed it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/2015, I took a cash advance from a XXXX ATM for {$200.00}. But the ATM did not dispense the money. For TWO HOURS NOW, I have repeatedly called US BANK to put the amount in dispute. This is a simple dispute! I kept getting transfered, claiming they did know how to dispute it or it is against bank 's policy to dispute cash advances! I know this is a LIElThese are the following LOW BELL CRAWLERS who gave me a hard time! 
XXXX/I have to transfer you to my supervisorXXXX/ XXXX XXXX / XXXX XXXX/transfered to the fraud dept., where another XXXX answered and then disconnected meXXXX/I have to transfer you to another dept. 
XXXX/It is against bank policy to credit cash advabcesXXXX/I have transfer you to my supervisorTHESE ARE DELIBERATE STALL TACTICS TO KEEP ME FROM GETTING MY MONEY BACK! 
I want all of them fired, BECAUSE THEY LIED ANDI WANT US BANK HELD ACCOUNTABLE FOR THESE XXXX, XXXX, XXXX, BECAUSE THEY ARE UNAPOLOGETIC THIEVES! 
I want my money back plus all fees!

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