BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-25
Company: ALLY FINANCIAL INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I recently had half my savings, over {$1500.00} withdrawn from my account through a fraudulent debit card transaction in a different state. I have neither lost nor had my card stolen, so when I saw that large transaction, I was worried because no one had called to tell me or ask me whether or not I was the one who spent that large an amount in one day in XXXX purchase, in a different state. I called Ally bank, who I 've had little to no issues with up to this point, my current bank with my current debit card. 

Ally explained to me that the payment was used with my debit card information and that I would have to cancel my card, which I did, and request a new one. They also told me to contact the company that my debit card was used for with this large purchase to see if they could halt payment, as though that 's the consumer 's job, because they could n't stop payment themselves even though it 's pending. I do n't believe that. They also claimed they could not do anything unless the payment went through, and if it did, I 'd have to file some paperwork and wait UP TO 45 - 90 DAYS to get my money back. 

Frankly this is unacceptable. I have never spent more than {$300.00} - XXXX in XXXX purchase, and they are aware of this. I was XXXX in the hospital last week when the purchase was made, so I could not have flown across the country and used my card in California. No purchases have ever been made outside my state of residence. I do not know why that would not be a red flag to this company. I requested alerts of payment amounts over {$150.00} and I feel Ally bank has both failed me and " can not do much '' to get my money back. I explained to them that I am out of work for up to 90 days because of this XXXX, so I was depending on that money to pay my bills. Frankly, I worked hard to save my money. For them to take up to 90 days, make me do all the legwork, not contact me about this fraudulent purchase, and so on, is unacceptable for a company that calls themselves a bank. I will be changing banks today, but I want my money back from Ally. I hope it will not take 90 days, and I hope someone can help me escalate this issue. Frankly I have had my debit card stolen with a real bank, with the same issue - they stole the digits not the physical card. That bank promised the fraud dept would get me my money back 7 - 10 days after the purchase went through, etc. I know how a REAL bank works, and Ally is not a real bank. I am disappointed in this service and disappointed with this outcome.

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 2015-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed the address with TransUnion on the Public Record because it is not mine and they refuse to comply to my FCRA rights. The address for this case is not mine nor on my file yet they verified it as accurate. That is impossible because the address is n't the same as my addresses. How can they say they verified the address if it is different than any address I have? The rep tried to tell me they spoke with the court directly, which I know is not true. I asked the clerk and she said they are far too busy to be dealing with credit bureaus. She suggested I dispute the address because they wo n't be able to verify it and will have to delete it immediately. Well, I did everything she said and come to find out the XXXX party that trans union used verified this account regardless of the address not being verifiable. Is n't that subject to a fine or something for lying about verifying the address? I am on the verge of small claims court but I figure that 's XXXX way to upset them permanently! All XXXX bureaus are fighting me and I 'm to the point of suing every XXXX of them! Please remind them that when they ca n't verify something they need to delete it. Thank you very much! I attached the petition from the case # for purposes of verifying the address, which is highlighted. This is a case of them lying to prove themselves right yet they continue to violate my rights!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
A company called cashnet has provided me a credit of {$1000.00} and have been taking over {$200.00} every other week. Specifically : {$240.00} on XXXX/XXXX/XXXX ; {$250.00} on XXXX/XXXX/XXXX ; {$270.00} on XXXX/XXXX/XXXX ' My account # is XXXX. The credit still stands at about {$1000.00}. I should be grateful if the Bureau could investigate and resolve this matter. 
email : XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
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:
There is a company named XXXX XXXX XXXX on my Trans Union Credit bureau several times and have not received any results and remains on my credit report. I filed a complaint with CFPB on XXXX/XXXX/2016 case # XXXX and with XXXX on XXXX/XXXX/2016 case # XXXX, and XXXX states the company will not reply. XXXX Concepts is a scam company or not legitimate company. I have spent months investigating this company and it appears the FBI and FTC are as well. My problem is that I have submitted several documents to Trans Union asking for a detailed verification, and provided the company with information supporting my dispute and how this company is not legitimate and it remains on my credit report. I work for the IRS and part of there investigation is a background check with your credit report. This account remains on there and needs to be removed. I personally have exhausted my efforts so I am retaining a attorney that specializes in suing for FCRA credit reportings that are not valid. I am notify this organization so you will be aware that Trans Union is not following the laws that are in place to protect the consumer. The collection agency XXXX XXXX is still harassing me with calls and is still reporting on my credit bureau. Where is the justice? How can a company that is fraudulent report on peoples credit report and there is a investigation on trying to find this company and while this is happening this account is still reporting on my Trans Union credit report and nothing has been done to fix this error. Here is a list of what I have done so XXXX Mailed XXXX Trans Union XXXX XXXX dispute letter XXXX Filed compliant with CFPB XXXX Filed complaint with XXXX XXXX Certified mail XXXX and Trans Union ( letter included did not respond to compliant and supporting documents for collection agency XXXX concepts ) XX/XX/XXXX-Certified mail XXXX dispute XX/XX/XXXXCertified mail Trans Union and XXXX Concepts XXXX-Filed compliant XXXX, CFPB, FBI, Texas XXXX 
XXXX-Filed a compliant with XXXX on Trans Union not complying with FCRA XXXX Filed a compliant with CFPB on Trans Union not complying with FCRA

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 2016-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX is in fact NOT complying with the FCRA. And the FTC just looks the other way. 
It is OBVIOUS that XXXX does not want to give you a free credit report. The web barriers are very difficult to surmount, so most people give up and pay money, as XXXX wants. They say I have already received a free report within a year, so I am not eligible. But I did not. They ask very picky and detailed questions, which are unnecessary and often impossible to answer. They say " unable to complete your request '' with no reason. Their XXXX character recognition system rejects most anything you enter. They reject you for any of the above and you have to start over or worse they say you are disqualified. They say you have to apply by mail. I got their form and filled it out and sent it back. They never replied. 

So in desperation I paid them for a report. Then I found in the fine print on the very last web option, that now I was a " member '' and they would charge me {$25.00} additional every month. I never signed up for that and it is a complete ripoff. I had to call them to complain, and then they offered me half price to remain a member if I agreed to stay on for 5 years. THIS IS ALL A COMPLETE SCAM!!! 

The best evidence I can give you is just try it yourself. Any reasonable person would conclude as I have that their web pages do NOT constitute de facto compliance with the FCRA. They are deliberately designed to just male money for themselves, and not serve the public.

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 2016-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is reporting on all XXXX credit bureaus. This is a repossession showing on my credit reports that is over 7 years old. This vehicle that was repossessed was never in my possession and belongs to another person that is not and has never been of relation to me. I believe the amount of said debt is around {$11000.00}. I recently discovered this on my credit report when applying for a loan through my local bank. I want this deleted/removed from my credit report as of its age and wrongful placement of responsibility.

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 2017-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion stands alone in verifying XXXX ACCT XXXX, A PAID COLLECTION.TRANSUNION VIOLATES FCRA IN ACCURACY OF THE AMOUNT PAID, $ XXXX.THEIR CLIENT, XXXX has violated the XXXX FDCPA of CALIFORNIA in misrepresentation in the course of collecting a debt to collect an illegal service fee of XXXX dollars.IN CALIFORNIA I AM ENTITLED TO DAMAGES from the bureau as well as the collector for XXXX.in addition the attorney general can prosecute criminally. 
I have enclosed the excerpts from the statute as well as the Bureau of Consumer Affairs summary of the CA statute.Transunion aids and abets XXXX with what could be a Rico Act violation in collection of debts changing the amount of legal damages that could be paid to me.

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 2015-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My old XXXX credit card account that was included with my bankruptcy that was discharged last XXXX of 2014, still appears on my credit report and indicates " Account Status Open - Derogatory ''. The account is not open and should be listed as closed. This is negatively impacting my credit report and I would like it removed. 

Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
this is not mine XXXX please remove from all XXXX reports

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 2017-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is illegally reporting XXXX ( Deposit Related Accounts ). XXXX Credit card illegally on my credit report. I have disputed all XXXX items with Transunion and they came back verified. I contacted both companies and XXXX refuses to talk to me. I wrote them a letter demanding them to send me any information on this debt they did n't respond. So I called them and they refused to talk to me and stated the only way I can talk to them is through the credit bureaus. XXXX I contacted Transunion and it came back verified. I wrote to XXXX asking for more info on this account and received a debt settlement letter. I contacted Transunion back to ask what method of validation was used and did n't receive a response. This is very illegal and goes against all of the federal 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 non-monetary relief
Consumer complaint received 2017-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I turned Transunion into the fraud department of my bank for removing money out of my account monthly for approximately a year that I became aware of by signing up with online banking. Consequently, between Friday ( when my bank filed the dispute and Tuesday, my score with transunion dropped about XXXX or more points with no change in information. What can I do?

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 2015-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I continue to dispute an invalid lien labeled under ID # XXXX with Transunion. My initial dispute was of XXXX invalid and prematurely placed liens in the public records section of my file and one was removed but not the other. These liens have been removed as they were joint liens with another indiviual who has since cleared and removed them from his reports as well. Yet, TransUnion keeps denying me a proper investigation and the proof of verification which I requested via certified mail, such as the descriptions and the procedures used to verify the liens that have since been removed from my file at the clerks office. They deny me any documentation and though they have deleted XXXX lien they refuse to remove the XXXX invalid one. XXXX has already deleted XXXX liens because they are unverifiable and no longer on record at the county clerks recorders office. So how does Transunion have the ability or the evidence to keep this lien on file when I have informed them many times that it needs to be deleted from my file and the public records section of my credit report with them. Please, can the government assist me in holding them accountable for denying me my right to an accurate credit report and a proper investigation? Transunion continues to ignore my correspondences and refuses to provide me proof and yet they deleted the other lien and XXXX deleted both. It is very hurtful and I have to spend so much money fighting them on this invalid and unverifiable lien on my record while the other bureaus remove them without hesitation. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
1-I was taken to the XXXX for a XXXX problem,2012, after testing I was ttold XXXX would have XXXX tomorrow and it never happened. I went home and contacted another Doctor. I was billed for this by XXXX Co. 
It now shows in collection.They did accepted my medicare and insurance. sent tocollections. 
2-XXXX first wrote off my account and now it shows new.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While checking my Equifax credit report, I noticed that unauthorized and fraudulent inquiries were made by XXXX of XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX, on XXXX/XXXX/2015. I did not authorize this inquiry by anyone employee of XXXX. This conduct is in serious violation of my Privacy Act and FRCA Section:16:1 b ( c ). This inquiry was unauthorized and is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I logged in directly at their website to dispute an account on the XX/XX/XXXX last month. The account in question is an XXXX credit card in which I am an AUTHORIZED USER. I requested them to remove that item from my credit file, I am not liable for repayment because, again, I am just an authorized user. But today, I reviewed the result of their investigation and they are saying that they " verified '' that this account belongs to me. How could that happen? They are essentially perjuring themselves for saying that because obviously the account is not mine. They are causing me stress and damaging my credit file. I want this deleted TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This policy was paid in full. I moved on to another company and they are overcharging me almost as a penalty for leaving them. I want this removed from my credit as this is not a valid balance due. They are trying to make me pay for insurance that I did not use and I consider this a false claim. I want it immediately removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My daughter attended XXXX. She was in her second year there. All of her student loan paperwork was already in before we arrived there to her school. We live in XXXX, XXXX. When we got there, they said they did not receive it, and asked me to submit my information on a new form. I had been in bankruptcy during that time, so I was surprised that all off sudden my credit was approved which means she had to get a parent loan instead of a student loan directed to her. All of this was within a week of hurricane XXXX. She was able to attend one week of class before XXXX hit, but she lost everything because she was not staying on campus. She came home to XXXX within days of that experience and never returned to school. I am now strapped to pay for her parent loan to XXXX. I have three questions. I had heard that some of the XXXX were not reporting their funding received accurately. I 'm interested in knowing if the schools received the money from the federal student loans for students that did not return to the school due to that traumatic event. Also, in 2005, was XXXX one of the XXXX reporting their funding incorrectly, And are there any special circumstances/ reprieve for students going through XXXX XXXX I also can not repay this loan. I am overwhelmed in debt behind my own student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Everytime I make extra payments ( in addition to my auto-scheduled payments ) I can not make them simply to the principle. That is not an option. The only option available is to " make a payment '' and it is always applied to interest as well as principle. The further I make a payment from XX/XX/XXXX ( my auto scheduled payment ), the more interest I have to pay. I believe that if I am making additional payments that those should go strictly to principle, just like a mortgage or car payment is allowed to go to principle. 

Additionally, ever since Navient took over the student loan, I no longer see the " pay in full '' option that I used to see. I used to be able to see my total repayment option if I 'Paid today '' and, if I selected that, that price would be honored for up to 10 days while payment was processing. With Navient, that is not the case, so should and when Ihave the money to pay something in full, is that going to be an option? or will I be penalized by having to pay principle as well ( which is n't defined ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: SUNTRUST BANKS, INC.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Multiple times now ( XXXX of which documented below ) I have been charged an overdraft item fee for an item that did not overdraw my account. After I contacted Suntrust Banks the first time I was told that I did not understand their policies and what had occurred. I was told that if the person helping me could simply show me what they saw that I would understand but since they couldnt they would refund me XXXX of the XXXX overdraft fees that had occurred ( the first of which was unwarranted and the subsequent ones were a byproduct of the {$36.00} fee I had been charged )

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 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 I disputed. Being that they have gone past the 30 day mark and can not 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 manner 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