BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that were disputed. Since they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- They are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 
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 2015-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I currently have a judgment from Civil court that is reporting on Transunion and XXXX. I have XXXX situations with this judgment and have disputed this information for months and I desperately, need help. First this suit was brought against me for back rent by my rental management named XXXX XXXX XXXX. I had a court date for XXXX and was told by the management office not to go because I had paid my rent in full and there was a XXXX balance. However, a default judgment was made against me because I did not go to court. I would have gone to avoid this. Secondly, this judgment was included in Bankruptcy that was filed on XXXX/XXXX/15 and has since been discharged on XXXX/XXXX/15. I have explained these XXXX situations to the credit reporting agency and the information has not been deleted. This judgment will affect my future for many years to come and it is not my fault. Please help. As of XXXX XXXX 2015 i had already paid a partial rent payment for XXXX so there is no way I was behind to have a judgement against me. I have attached copies of canceled checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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:
Choose according to account type. These can be combined. My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the XXXX today with the citation nbr as # XXXX and asked them to set up an auto payment to take my money out every XXXX automatically. The XXXX did charge me for the ticket that was old, so old... for about {$XXXX} or {$XXXX}. Dont quite remmy the exact but it was way low. I asked them to send to arrange an XXXX XXXX XXXX  interpreter but they never did arrange XXXX. I called before the XXXX date and learned they did not get an interpreter. I told them to reschedule again and get an interpreter. They did not and instead ... they added more amount to the ticket. It is now {$XXXX}. After I left XXXX in XXXX. I moved out of XXXX to XXXX then XXXX then XXXX because of jobs. I ALSO was XXXX for a while in the past... had no money to pay. Now I earn {$XXXX} per XXXX but I have all other bills to pay like truck note, space rental, etc. So can not pay full amount. I asked them to set up an auto pay and take my {$XXXX}. They office staff wont accept it and will keep the warrant. I already OFFERED THEM the auto pay to take my $!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Twice someone tried to get auto credit through Bank of America. XX/XX/XXXX and XX/XX/XXXX. I called Bank of America and they said they showed no record of an account and could not see inquiries. I then called XXXX and they said that I had to call the bank and have them remove it. I now have 2 fraudulent attempts by someone to get credit through Bank of America and I also have two hard inquiries on my report that is affecting my score. 
I would like the inquiries taken off of my report and I would like Bank of America to screen applicants better to help prevent fraud.

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 2016-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX falsely reported a late payment on my mortgage after changing my billing in mid bill cycle during an escrow analysis. They increased by mortgage by XXXX in the middle the month and demanded a payment of that amount without my knowledge of the change until the night it was due. I called and they agreed it was a problem and that they would work on readjusting the payment and that this would not affect my credit, they also tried to get me to do loan modifications etc, and refinance while I waited. They adjusted the payment to a mere XXXX my previous payment, which I promptly paid. They then reported me for month that they changed my mortgage as being late even thought they told me they were changing the payment and that this would not happen several times on the phone. I was not interested in waiting around for a refinance, i just wanted to figure out a way to sell the house and get away from it and make my payments. They tried levying insurance on property that I did not need to add extra bills as well. They could never explain the escrow analysis and why they tried to destroy my credit and lied. TransUnion did not do a good job of looking at the facts and the evidence. They should immediately remove this. I am not alone, this is a practice that has affected XXXX XXXX customers. I never pay my mortgage late in 10 years. They are predators. Transition should practice better due diligence and look further into the documentation sent by consumers,

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 2021-11-23
Company: Checkr, Inc
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My company is transferring our service delivery to another company, and within this transfer I had to undergo another background check. This was the first time I have had the opportunity to review this information, and I have found incorrect information on my report related to an address of residence to include XXXX, Texas. This also appears on my credit reports and I have received phone calls from car insurance companies, as well as regarding medical bills for this address as well. It was shared with me by XXXX of these calls that this individual turns out to have the same name and birth date, however does show a different social security number. Somehow this person 's information continuously ends up on my credit and employment reports which is inaccurate and have been reported to the credit bureau in the past without resolution. Please research and help me resolve this issue for my consumer reports, credit checks and assure this is not potentially fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$2000.00}.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: PR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian received the complaint I submitted using the CFPB complaint process. I attached all the required documents need it for the complaint, including : IDT reports, Proof of Identification and Proof of residency. I received an email today from Experian asking for thos documents already submitted. This is a work avoidance issue that need to be fix rigth away or I will take legal actions. I'll will attach the same document in this complaint. Alsi, I'm attaching the original complaint and the email received from Experian.

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 2015-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX is reporting an account an account that I had filed bankruptcy on as a collection account. XXXX XXXX XXXX report this account to all the XXXX credit report companies. Please investigate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were in the process of a loan modification. It was a long frustrating road but we had finally gotten approved for a Partial Claim Modification. We have a trial period starting in XXXX with a payment of {$1400.00}. We were actually very relieved to receive this outcome. Two weeks go by and we receive a letter in the mail from BOA stating that our escrow account was revisited and our new payment would be {$1600.00}. I call my XXXX and ask what was happening. She tells me that something must have changed from last year, such as ; property taxes went up or my homeowners went up. I explain to her nothing went up. I know this because we receive copies of our tax documents and homeowners. She tells me she was going to have a customer service agent come on and explain it to me. The XXXX tells me all the scheduled payments being made to city taxes and homeowners. Everything she is explaining is also in the letter received. My new monthly escrow payment is {$570.00}. I ask the XXXX what was last years escrow payment. She tells me {$610.00}. I thank her and my XXXX comes back on the line. I tell her I am at a loss because my escrow payment actually went down from last year. She just keeps repeating herself, stating that they are not obligated to give me a lower payment. Basically we ended the call with NO explanation on how or why my mortgage payment went up {$250.00} before I even made the first payment. I feel that BOA is trying to take advantage of us in a desperate situation. I am already upside down in this mortgage. We owe over {$190000.00} and the last house that was on the market sold for {$75000.00}. We truly can not afford another {$250.00}. Someone please help us. How is this legal??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
I paid a credit card every month and have an automatic payment on it. I talked to the bank and explained it was their mistake since I set up auto payment. They marked me late and charged me fees and did not even offer to reverse or anything. I have had perfect credit for over a decade. The website did not work with the password until after when I was notified of the occurence. Bank of america ruined my credit where now I can not rent, or borrow funds and made my other cards lower my credit limit. I would love for you to investigate and shut down these unethical practices which I believe is their way to make more money in fees and charge more interest and hurting the consumer. If they look at my record, I always made a payment to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). Both reports contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from TransUnion. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... XXXX Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. It is now past 30 days and according to the FDCPA this account needs to be deleted. 

I have brought the fraud as well as this matter to TransUnion XXXX times, ( XXXX Tracking XXXX received XXXX/XXXX/15 ), ( XXXX Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the lack of validation by the collection agency and requesting to delete this account from my credit file. 

TransUnion repetitively delay the process by doing an investigation and responded on report number XXXX with NEW INFORMATION BELOW. If the collection agency can not validate the account within the require 30 days, following the FDCPA it needs to be deleted from my credit file. Upon escalating this to TransUnion, and the delaying of correcting the reporting of this account, this is now a violation of the FCRA and this account needs to be deleted. 

I have been a victim of identity theft which has caused a lot of harm to me and my family. I have been trying to clear up the damages with a lot of friction from TransUnion. 



Attached : copy of the debt validation lettercopy of the debt invoice by XXXX to TranUnionTransUnion reporttracking informationpolice case reportFederal Trade Commision case

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: IN
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hello, I have called XXXX XXXX XXXXk on numerous occasions in regards to my account. On my credit report, it is showing that my account is closed when in fact my account is open and accruing interest fees. I called many times, submitted disputes with each of the credit bureaus and to no avail. The disputes I open, are closed within a matter of days, and closed with the following " closed at consumers request '' I called in a couple of years ago to cancel my account due to how they were treating me when I wanted to dispute a charge that was on there incorrectly. I ended up speaking with a supervisor who convinced me that it kept my account open, the charge would be handled appropriately. 

Since then, it has been reported that my account has been closed when in fact it is still open. This is very inconvenient for the simple fact that I have a closed account on my credit report which affects my score in a negative way when my account is open and active.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have tried several times to get Transunion to remove the public record stating that I had XXXX delinquent state tax liens ( for which I do not have ), with no success. I was told that " the state has verified the information. '' However, when I contacted the XXXX of XXXX Department of Revenue, they stated that they do n't verify such information with the credit bureaus. To compound the issue, the liens that are be reported have a report date of XX/XX/XXXX, XX/XX/XXXX respectively. On my Transunion credit report it states that " liens may remain for XXXX years '', but further on my report it states that these XXXX particular liens " will not be removed until XX/XX/XXXX. '' I was directed by the XXXX Department XXXX XXXX to refer the credit bureau to the state website to verify the liens but the bureaus either refused to do so or stated that the information had been verified. Communicating with Transunion is difficult at best, but trying to get all parties involved on the same page is impossible. This seems like a simple fix but the credit bureau has made it complicated. As one can imagine this has caused considerable issues for me financially.

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 2023-03-30
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally Bank XX/XX/XXXX : submitted echeck deposit for {$1300.00} from the US Treasury. They lock my account the next day. I'm without access all weekend. 

XX/XX/XXXX : I call and speak with fraud dept. I answer all questions. I am told the check would be cleared I would have access to my account by Wednesday XX/XX/XXXX. 

XX/XX/XXXX : I am still locked out. I call and am told there is no timeframe at all for investigations and I just have to wait indefinitely. I called again 30 minutes later. This time I was told it always takes 10 business days.

So I still have no access to my money. This is my only bank account and no one can tell me anything. 

I can not log in to see a statement so I don't even know my account number.

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 2016-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Finally, received the corrected report from TransUnion dated XXXX/XXXX/16, file number XXXX, per the response from TransUnion, the authorized user accounts were supposedly removed. However, XXXX authorized user accounts exist still on the report that I am not contractually liable for- the following accounts should be removed : XXXX XXXX XXXX # XXXX authorized user- not liable for account. XXXX XXXX # XXXX authorized user- not liable for account. NXXXX # XXXX authorized user- not liable for account.

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 2016-12-06
Company: ALLY FINANCIAL INC.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the 1st bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2016 I recently check my credit report and notice that all my inquiry was back on my credit report when they was all deleted and it made my score drop tremendously

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