BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Regarding account XXXX, reported by XXXX XXXX as the listed creditor to TransUnion LLC XXXX 
I spoke with the reporting creditor employee # XXXX XXXX/XXXX/2015 XXXX, and specialist # XXXX XXXX/XXXX/2015 XXXX in recorded and saved phone calls requesting them to verify and send copies of the information they 're reporting to the CRA. XXXX XXXX XXXX representatives stated they have no records of this account and could not supply any information on what was being reported because it was created by a different lender that no longer services. XXXX XXXX has stated they are not the original creditor but is reporting as such. Account is missing in all variations on annual reports pulled XXXX and prior but is reporting an open date XX/XX/XXXX. The alleged debt buyer identified by XXXX XXXX has made no claims to the account, nor has it sent any records of validation to justify the reported balance. TransUnion verified all account information with the reporting creditor despite admitted missing records, and has not complied with dispute requests to remove or XXXX ( a ) ( XXXX ) requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA XXXX violations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do not have, nor have I ever, had an account with XXXX XXXX. We 've been with XXXX for over 10 years and currently only purchase high-speed internet through them. We do n't have cable TV or a landline telephone since our family members all have cell phones XXXX. 
I never opened this account which could be readily verified by XXXX XXXX checking the service address. When we still had a home phone, we told them repeatedly when they called to collect the debt that they had the wrong XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-12-30
Company: Synovus Bank
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On the XX/XX/2020 I reported Credit card fraud to First progress financial. At this time the company informed me that's the would put a hold on my account and if I paid in full all was even. Today when checking the status of my account I found a new charge unpaid acuring interested and unpaid balance on my account. I was informed I was responsible for the new charges interest rate, but not the charges. 

In short, I am being charged interest rate on a charge that should never have been on my credit card in the first place because I cancelled the number and was sent a new card. The website is so far behind they can't tell me why I shouldn't be paid up on full. I now have a carries interest rate on a first progress financial card that is already over paid. 

Missing final documents from XX/XX/2020. No statement available. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MI
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:
I am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file.When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} ;

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 2016-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX of XXXX XXXX changed from XXXX Bank to XXXX Bank. With this change there was a payment issue that I was unaware of which put my account into delinquency. 
In XXXX of XXXX, I moved. With the change over that happened within this window, the Address was not accurate or the phone number. Defaulted to old information somehow. On XXXX XXXX I spoke with XXXX in length. She was able to confirm the errors on XXXX Banks behalf. She also expressed this happened to many people. She waived all late fees, removed all interest charges, and confirmed my inaccurate contact info. 
She updated all reimbursed me for everything, and my account was brought to XXXX balance. She assured me they would send a letter to remove all three negative remarks on my credit. That never happened. I have called since then on XXXX XXXX as well as today, XXXX. All three times they are able to confirm the notes from XXXX, but are unable to confirm why the request to remove from credit was denied. Today, XXXX confirmed that it was do to several delinquencies. There were XXXX, XXXX from the initial switch, and XXXX in XXXX with the move and inaccurate info- rmation on their end. All of these were an error on the behalf of synchrony due to the switch. Once the error was caught it was immediately rectified on my end and account was brought to zero.

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 2020-12-30
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I visited a Mattress Firm store and ordered a new mattress and adjustable base. The sales associate submitted a financing request to Synchrony Home and he advised that I was approved for {$1300.00}. My purchased was for {$2400.00} and Id be paying the remaining difference out of pocket. The difference would be paid prior to my delivery date of XXXX/XXXX/20. My purchase was delivered ; no issues. 

Around XX/XX/XXXX I received my first billing statement from Synchrony which reflected a balance of {$1300.00}, a credit limit of {$1200.00}, and minimum payment of {$47.00}. To my dismay, the statement reflected an OVER THE LIMIT amount of {$120.00}. Today, XX/XX/XXXX I called Synchrony and the representative, after she spoke to her supervisor, advised me that they will allow the store to push through a total higher than the approved credit limit. The ONLY resolution she had was for me to request a credit line increase. Never did the store advise that I was actually approved for only {$1200.00} BUT NEVER should Synchrony have allowed a pushed amount over and beyond the credit limit. I now risk an adverse action such as loss of credit score points due to this UNACCEPTABLE AND DECEITFUL PRACTICE. Of note, I immediately called the store and was advised that they are allowed to submit a purchase amount 10 % higher than the approved financed total XXXX {$1200.00} + 10 % = {$1300.00} ). Never should a company make decisions on your behalf & should ALWAYS obtain the consent of the customer prior to.

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 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX and XXXX XXXX, as well as the bureaus to fix this however, I have not been successful.

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 2015-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Transunion, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: GA
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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS INCLUDING " XXXX XXXX XXXX  '' I HAVE NEVER DONE BUISNESS WITH THIS COMPANY! THE ACCOUNT WAS REMOVED AND THEN PUT BACK ON MY CREDIT FILE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS INCLUDING " XXXX XXXX XXXX  '' I HAVE NEVER DONE BUISNESS WITH THIS COMPANY! THE ACCOUNT WAS REMOVED AND THEN PUT BACK ON 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 2017-05-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use an account service called  XXXX  to help out with my funding - which is fine and great! Until  WellsFargo dec ides to hold on to my transactions instead of sending and updating them live as they happen and actually even putting them in orders other than they actually occurred ( which is a whole other complaint ). But whe n WellsFargo holds  on to the transactions, it does n't allow my account with  XXXX  to update - causing me financial burdens! So far it 's been on hold since the  XXXX  and I 've had to manually update my account with  XXXX  because of this delay of data fro m WellsFargo. It should be posted and updated as the transactions occur, not several days later.      The attached image shows the recent transaction that occurred on the  XXXX  that  XXXX  was unable to see 2 days later because of the lack of updating my info.

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 2016-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This letter is a formal complaint that Transunion you are continuing to report inaccurate, and invalidated credit information. 
I am very distressed that you have included the information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate invalidated information is a mistake on your part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
AS I HAVE PREVIOUSLY DISPUTED THE FOLLOWING INVALIDATED, INACCUARTE INFORMATION WITH TRANSUNION BEFORE, AND TRANSUNION HAS RESPONDED BACK TO ME VIA THE CONSUMER FINANCIL PROTECTION BUREAU PORTAL, THAT THE FOLLOWING INACCUARTE ACCOUNTS AND NAMES HAVE BEEEN COMPLETLY REMOVED FROM MY CREDIT REPORT! AS OF XX/XX/2016 WHEN I RECIEVED MY NEW CREDIT REPORT FROM TRANSUNION THE FOLLOWING DISPUTED INACCUARTE INFORMATION, THAT TRANSUNION WROTE BACK IN THIER RESPONSE TO ME VIA THE CONSUMER FINANCIAL PROTECTION BUREAU PORTAL THE INACCURATE INFORMATION IS STILL CONTINUING TO BE ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT! I WOULD LIKE TO ASK TRANSUNION WHY? THIS INACCUARTE INFORMATION IS STILL BE DISPLAYED ON MY PERSONAL CREDIT REPORT? 

THE FOLLOWING INVALIDATED ACCOUNTS INFORMATION SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT : INACCUARTE NAMES : XXXX WHO IS THIS? 
AND XXXX, XXXX WHO IS THIS PERSON? I HAVE NEVER USED THESE INACCUARTE NAMES, AND I WOULD LIKE TO KNOW WHY THEY ARE CONTINUING TO BE ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT? 

MY LEGAL NAME IN WHICH IS THE ONLY NAME THAT I USE SHOULD BE BEING DISPLAYED AS FOLLOWS ONLY : XXXX PLEASE MAKE SURE THAT MY NAME ONLY REFLECTS AS LISTED ABOVE. 

INACCUARTE DISPUTED ADDRESS CURRENTLY BEING ILLEGALY DISPLAYED ON MY TRANSUNION CREDIT REPORT : XXXX, CO XXXX I HAVE NEVER USED THIS INACCUARTE ADDRESS, AND I HAVE DISPUTED IT WITH TRANSUNION SEVERAL TIMES, THIS ADDRESS SHOULD NOT BE ASSOCIATED WITH MY PERSONAL CREDIT REPORT! THIS ADDRESS SHOULD BE COMPLETELY REMOVED AS PER TRANSUNION HAS WRIITEN BACK TO ME AND STATED THAT IT WAS! 

XXXX ACCORDING TO MY RECORDS I DO NOT HAVE AN ACCOUNT WITH XXXX, AND I WOULD LIKE TO KNOW WHY THEY ARE BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT? I HAVE REQUESTED THAT A LEGAL VALIDATION BE MADE IN REGARDS TO THIS ALLEGED DEBT, AS OF XX/XX/2016, A LEGAL VALIDATION OF THIS DEBT HAS NOT BEEN MADE, THIS ACCOUNT SHOULD BE COMPLETELY REMOVED FROM MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE.

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 2017-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX I put a fraud alert on my account in XXXX I requested by mail to have it removed .when I looked at my report it was still on there and it says it was updated again I sent the info again to get it removed equal just sent me a letter stating they updated it again did not take it off and with out my permission sent it to the XXXX other credit reporting agencies to up date their 's .I told them I wanted it removed not updated. I called equiafax they finally removed it but now since they passed it to the other agencies .transunion and experian say they ca n't remove it .I want it removed from all of my accounts thanku

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 2015-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11
Company: ALLY FINANCIAL INC.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Financial has been charging a fee for late payment when I have been paying the amount due as shown on the online summary. So instead of allowing me to pay for the amount due and also any additional fees on the account they only allow the amounts paid to apply to the principle and do not tell you or advise you that any overpayment is only applied to principle and will not be applied to fees. They then XXXX fees based on the original infraction without telling 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 explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I asked the credit reporting agency, Equifax, to correct this account- XXXX XXXX XXXX XXXX XXXX, because the balance is being reported inaccurately ( {$81000.00} ) even though the account is closed and paid in full. I verified this information with the lender. 

Equifax will not investigate. They have not provided me with any proof or reason why they continue to report a balance on this account, when there is none. Equifax sent me a letter stating that they modified the " closed date '' but they did not. ( see attached document from them ). 

They will not provide me with any proof for reporting a balance on this account, which is closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, This is not my account, I already disputed and they did not meet my requirements to verify ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent TransUnion letter after letter for over 4 months asking them to verify the information they are reporting or remove it if they cant. They have repeatedly ignored me and sent me back my credit report saying they did verify it and wont remove it yet they sent me NO paperwork or information backing it up.

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