BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( TransUnion, XXXX, and XXXX ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX in XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against TransUnion since you told me to file separately against each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion 's credit report is filled with false information which has damaged my credit score. Per their instruction via telephone, on XXXX XXXX, 2016, I mailed them a letter stating the corrections that needed to be made and attached proof of my identity.They had told me that they would contact the creditors and have the problem fixed within 5 to 7 days. I continued to receive credit reports that carried the false information so I contacted them again by phone today, XXXX XXXX, 2016. A supervisor, XXXX, told me that they only contacted the creditors 9 days ago! Due to my false lousy credit score, my home insurance policy premium was raised. My husband and I applied for a small ( {$5000.00} ) line of equity and could not be approved due to my score. The other XXXX credit bureaus show none of the false information that is on my Transunion report. Unfortunately, this is the company everyone refers to and I ca n't get them to fix it.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I submitted a dispute to Transunion, XXXX, and XXXX  well over 30 days ago. I still have not received an update or had the fraudulent and unauthorized accounts removed.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I am very disappointed! REMOVE THIS FRAUD ACCOUNT ASAP!

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 2015-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A collection company has put an adverse account on my TransUnion Credit report. The collection agency would not help me to resolve this account ( as it was paid in full directly to the provider back in XXXX XX/XX/2011 ). I submitted all necessary information for TransUnion to directly contact the provider who can show full payment on this account. TransUnion will only contact the collection agency to verify accuracy of the adverse account ; which they continue to say is accurate. The other XXXX credit agencies have removed this account from my report. I am at an impasse on this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from McCarthy , Burgess & Wolff, their reference number is XXXX. They are representing XXXX. I have never done business with that company. McCarthy, a debt collection company, claims that I owe XXXX I called them and told them that I did not do business with this company and that I will not pay this bill as I have never done business with XXXX. I continue to receive letters From McCarthy , Burgess & Wolff. Whom ever incurred this debt in my name is a criminal and the victim, XXXX, should file a police report in the proper jurisdiction. I am not responsible for this charge. 
Respectfully, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For two years I have been trying to get Capital One and XXXX XXXX to leave me alone. Neither has shown proof that I owe the debt in question. I have complained to them, to the credit bureaus, and anyone else. Even CFPB. To no avail. I was being charged for internet services after I discontinued service because XXXX or whoever they were then, did not take account that I PERSONALLY returned the box on question. Literally. I was evicted. I did not live there and I had service with them, through my mom, at home. Why on earth would I keep a box, when I had a box and access to it already at home? Doesnt make sense does it. Now when I told them that, they told me they dont have a record. How am I to blame that they dont have a record of return? I havent had their service or that box since I moved out in 2018. They send the debt through a different company each time. It is categorically unfair they can continue to charge me, even though, they cant produce any evidence that I didnt return it. I asked them to check the cameras. I was there. I asked them to check my card the day I returned it. It was a restocking fee. They say it didnt happen. Regardless of what they are saying, I do not have anything of theirs anymore. I was in a promotional period allowing me to cancel. They are using this device as a means to get my to pay something I dont owe. I refuse to pay for their error. Now, capital one is ridiculous because they refuse to discuss the matter of the closed card over the phone. However, when I went in they gave me an internal document that SHOWED the account was paid in full. I went in physically to the Uptown location in XXXX. That same day, they were robbed at the counter. I say that only to say there is a recording of me there discussing this issue with them and they admitted it was paid in full internally but since it was already submitted to the debt collection agency, it is up to them to remove it. HOW!?!?! XXXX  and all the other investigator arms of credit bureaus dont investigate. They do not ask anything of the companies. They take their word and service account poorly just to make sure they have some money to be made themselves. My credit account has been frozen since 2018 because that was the only way to get them to see these occurrences are unusual. They removed one, of the two, separate companies asking for money for XXXX but if one didnt have a claim to the money, the other shouldnt either. As far as capital one, who knows, maybe they in bed together? Idk. I do know I dont owe them anything. I even mailed the document to XXXX  and the others in 2018. I was told there isnt a record of anything. Yet, they responded to all other mailed in dispute forms. The credit bureaus should be working to help people out of these times. Not be in cohorts with the companies attempting to put low income people lower on the totem pole. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputing several unauthorized inquires with Transunion since XXXX XXXX. As of this date they have intentionally failed to provide the evidence required by Federal Law to provide me PHYSICAL EVIDENCE that I gave consent for Transunion to perform the following Inquiries ... 
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch on XXXX, 2016 and due to this a total of XXXX inquires are now back on my credit and has lowered my score by XXXX points. I called to speak with the special handling department at XXXX to advise and I was told that yes there was a issue ; but they are not able to HELP., Are you serious? Come to find out, the outsource company did not transfer me, they put me on hold and got someone else from the same department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a dispute online with Transunion credit reporting agency. I stated that on XXXX/XXXX/2015, I paid an original creditor, XXXX, in full on an account listed under a collection agency, XXXX XXXX. I gave the confirmation number for XXXX, XXXX and the full amount paid off, XXXX. Transunion 's 'resolution ' is still showing the collection listing as " XXXX XXXX. '' I did NOT pay the collection agency, XXXX XXXX. I paid directly to the original creditor, XXXX. I also submitted a written dispute dated XXXX/XXXX/2015, with all the information and a copy of my California identification card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, I logged into my XXXX account to check my credit score which I do weekly and it reflected that TransUnion had removed XXXX inquiries from my credit report. It ultimately made my credit score go up. Now on XXXX XXXX, I went back to check my credit score because I had paid some credit cards down I knew my credit score would be going up but to my surprise my score had dropped XXXX points because those same XXXX inquires that were once removed were now back on my credit report. I do n't know if it is the error of TransUnion or XXXX XXXX but it made my score drastically go down. I am trying to purchase a home and now this is he derive me from doing so and I 'm just trying to understand why they were removed just to be put back and then affected my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
I OPENED A SYNCHRONY BANK CARE CREDIT ACCOUNT SOME YEARS BACK THEY NEVER SENT ME THE CARD BUT ALLOWED ME TO PAY FOR VET SERVICES THAT DAY I REQUESTED A CARD THE FOLLOWING YEAR AND THEY C CLAIMED THEY SENT IT AND DID NOT SUBSEQUENTLY THEY CLAIMED EACH CARD SENT WA S A NEW ACCOUNT AND ALTHOUGH I HADNT HAD A LATE PAYMENT IN YEARS THEY CLAIMED LATE ON 5 ACCOUNTS WHEN IT WAS ONLY A CARD CHANGE SINCE THEY REPEATEDLY NEVER SENT CARD THEY HAVE DAMAGED MY CREDIT I NEVER HAVE LATE PAYMENTS ON ANYTHING XXXX NY 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 2016-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Transunion. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. I have NEVER attended the University XXXX XXXX .... Fraudulent student admissions practices.

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 2017-01-22
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 is reporting incorrect facts regarding a Bankruptcy on my credit report. TransUnion maintains that they " verified that the Bankruptcy is accurate. '' I requested to see TransUnion 's method of verifying the Bankruptcy per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) to include : a ) The name of the Courthouse, ( b ) the person 's name they verified the dispute with ( c ) the address ( d ) the telephone number and ( e ) the documentation used to verify the dispute. 
Per FCRA, credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information, not third party sources such as XXXX of XXXX XXXX. 
The Bankruptcy listing must be reported accurately FCRA, Section 609 a ( 2 ).

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 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of Transunion credit inquiries issue ; I spoke with a Transunion representative multiple times, offered to send a copy of my XXXX credit report for the past 6 months. 
The following credit inquiries are not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2016-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The accounts listed below are reporting on my consumer credit report in error : Creditor : XXXX XXXX Referenced Account # XXXX Creditor : XXXX Referenced Account # XXXX Creditor : PUBLIC RECORD Referenced Account # 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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I took out 2 loans through XXXX XXXX  XXXX in MO in XXXX of XXXX and XX/XX/XXXX. Which the bank didn't report to the credit bureaus. We sent the payment schedule and complete payoffs, that the bank sent to me, requesting that my credit score be adjusted accordingly. 

XXXX  stated that the dispute over not adjusting my credit history and score, couldn't be done because they couldn't verify the information that the bank sent me, and I forwarded to all 3 bureaus. This information was sent to me by the bank and was on their letterhead. I haven't heard from the other 2 bureaus as of today. 

All I'm trying to do is get the information added to my account so that I can go forward in reestablishing my credit history. And as of now I have no credit scores.

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 2016-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Credit Reporting Agencies TransUnion is reporting a bankruptcy incorrectly. I have disputed it 3 times and they confimed that they verifed the information through the consumer. So I contacted the consumer which is the XXXX XXXX Clerk of Court and they indicated that they do NOT supply credit bureaus any information nor do they have any procedures for verifying information with the credit bureaus. I have attached a copy of the letter from the Clerk of Court below.

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 2016-12-02
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We began working with Quicken Loans on XX/XX/2016 on an offer to refinance our home with cash out, with an interest rate of 3.75 %. We paid a {$500.00} initial deposit to Quicken Loans on XX/XX/2016, based on the advice of the lending XXXX that we could receive a refund through the point of getting an appraisal. A conservative estimate of the home value used for the offer was {$240000.00}. Quicken Loans used their sister company XXXX to obtain an appraisal by XXXX of XXXX. The appraisal came back on XX/XX/XXXX with a home value of {$230000.00}. The loan offer went from {$190000.00} to {$180000.00}. The XXXX changed. We raised concerns about the significant errors in the appraisal. A revised appraisal was issued on XX/XX/XXXX correcting some of the errors but not all of them and not changing the appraised value of {$230000.00}. We continued to have conversations with XXXX XXXX representatives to request proper corrections to the appraisal. We submitted documentation of our concerns. The appraisal was revised again on XX/XX/XXXX, but again not accounting for all of the previous errors and not changing the appraised value of {$230000.00}. We requested a full refund of the {$500.00} for the appraisal or that Quicken Loans obtain another appraisal at its expense. Quicken Loans has refused both of our requests, and urged us to move forward with financing based on the {$230000.00} appraisal. We declined. Not only is Quicken Loans refusing to return our deposit, but we have now lost the opportunity for a lower interest rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXXI also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: NV
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:
Nothing they wont remove medical bills I keeping Didputing on 1 report they have been moved but not on other teports

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