BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This account has been reporting on my credit for the past 7 years, and it should be deleted based on the time, has been reporting. At the time I am trying to buy a house for my little son and my wife, and this makes it hard since it should be deleted based on the law.

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 2017-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I made the payment via the internet but creditor ( XXXX XXXX ) does not want to recognized that payment was made on time. If they do not receive the money on time I should not be punished for bank transfer delays.

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 2016-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
In XXXX 2009, a fax lien was filed on my Equifax , XXXX and XXXX credit repots. XXXX and XXXX removed the lien ( it has been 7 years since it was placed ). I contacted Equifax last month and I was assured that it would be removed this month. I contacted Equifax this morning and am now being told it wo n't be removed for another three years. Does Equifax has a different set of rules that it follows?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: CORELOGIC INC
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I applied for a car loan with XXXX XXXX on XX/XX/2015. Which they did a hard inquiry. Checking my credit report after that, because I changed my mind to trade my Jeep in. I saw Credco did another HARD INQUIRY! On XXXX XXXX, 2015 for XXXX used Cars XXXX XXXX XXXX ( XXXX ) XXXX. I DID NOT AUTHORIZED THE SECOND INQUIRY ON XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, XXXX & Experian are reporting a new account for XXXX with my report it has dropped my score and reporting like it 's my account - when called company they have my old address but not my Id or social I told them not my account that said my info did n't match there 's so I 'm requesting it be removed. XXXX has alswuas never helped me with issues on my report but just slaps a self generated we added fraud alert to your report- I do n't even know what that is - they said they investigated but never provide proof -

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax transaction code XXXX # XXXX I was not able to view this report because when I went to the icon to create an account for 30 days and came back to the first page, I was kicked out. Thus as the law requires I only got to view the first page of the equifax credit report. Now it is telling me that I already got to review my free report when I did not had any time to review anything. I do not not want to write because I needed this report yesterday. 
Fix my account on equifax so that I can go back on line tomorrow or where do I report this problem ... XXXXXXXXXXXX XXXX F

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to initiate this short sale with Seterus since XXXX XXXXI have submitted all docs to XXXX as well and XXXX and myselfhave been trying to get ahold of Seterus to get an update and we have had no luckI re-submitted all docs on XXXX XXXX and I keep calling for an updates and they keeptelling me they have received my third party but it has not been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a letter to Equifax asking them to investigate errors on my credit report on XXXX XXXX. I requested that they mail me the response once the investigations were completed. Over two months have passed, and I have not received the first response back from Equifax, and I 've even sent two follow-up letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: ALLY FINANCIAL INC.
State: OR
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I called ALLY BANK on XX/XX/2016 on behalf of my mother who has two cd accounts and a money market checking account there. She XXXX the XX/XX/2016 and the retirement home raised her monthly rent to {$5500.00} from {$3200.00} as her care level increased. My mother went thru the verification process and had Ally talk to me. One of the cds was maturing on XX/XX/2016 and I told them I needed to have {$55000.00} transfered into the money market account so I could have her write a check to herself and deposit it in to her XXXX checking. I waited until XXXX to deposit that check in to XXXX and shortly thereafter I started receiving e-mails from XXXX about negative balance and fraud on her account. All three accounts are in a revocable living trust and my mother is the trustee. After receiving the e-mails from XXXX, I went back to mom 's rest home and called Ally Bank and they said they rolled the entire CD over and did not put the {$55000.00} in to her money market checking. This conversation took place on XX/XX/2016. They assured me that they would take {$55000.00} out of the CD and put it into her checking account there. I was going to deposit the Ally money market check in to her XXXX account and thought I better call them first to make sure the transfer was done. I went to mom 's and went through the verification process again and then was told the transfer was not done and it will not be done until I send them trust documents because my father had passed four years ago. I told them to close the accounts and send the check to the same P.O. box that the statements go to. The women agreed to send the {$260000.00} that was at their bank. She put me on hold and when she came back on the line, she said they were not going to send any money or do any transfers without the new trust documents. I had to loan my mother {$6000.00} so she could make her XX/XX/XXXX rent payment. This bank totally lied to me at all steps and took a toll on me as my mother is XXXX, XXXX. They should have their license yanked and be put out on the street. I think everyone should be aware of this banks shady business practices and warned to stay away.

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 monetary relief
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX/XXXX/2015 ... I called Equifax and explained that XXXX XXXX XXXX is illegally re-aging the debt on my credit report. I explained that I am a subscriber to their " Equifax Complete Premier Plan ''. So, I am able to review my credit report as often as needed. I explained that on my Equifax report dated XX/XX/XXXX XXXX XXXX XXXX reported the date of XXXX delinquency as XXXX ( report # XXXX ). The item had been removed off my report. On XX/XX/XXXX I pulled my Equifax report and discovered that XXXX XXXX XXXX was put back on my report. They were now reporting the date of XXXX delinquency as XXXX ( report # XXXX XXXX. I explained to a rep and then Supervisor " XXXX '' ( Agent # XXXX ) that I wanted to dispute this because it was an illegal act. XXXX STATED that collection agencies can legally do this. She stated collection agencies can re-accounts in perpetuity. This statement is false. Re-aging debt is called zombie debt and it is illegal. The " supervisors '' and representatives need to be cautioned against giving bogus imformation. I would really like to have this investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX failed to honor their settlement agreement terms after sending me a settlement letter and my paying them based on their agreementMy account is still shown as STATUS : Charge OFF - Paid for less than full amount, lateThe attached letter from XXXX clearly states that if I pay the offered settlement, my account would be Settled with {$0.00} Balance. Nowhere in the settlement letter does it say " Charge Off, Paid Late or Paid for less than full amount '' It simply states if I make the payments which I did, my account with be Settled in FullThat is how my Credit files should be shown under STATUS. but they are not. 

I have intiated investigations by all XXXX bureaus only to be told they checked with XXXX and XXXX tells them " charge Off '' is the correct status. 

I was either fraudulently lied to by XXXX to pay a debt under the pretense of getting my credit files improved to fix my damaged credit after XXXX years of unemployment from the recession ; or Someone XXXX XXXX that interacts XXXX Credit Bureaus is lazy and does not read the settlement letters. 

Bait and switch, which is offering one thing and then giving the person something else is fraud. I was offered one thing, I paid, they reported something else. 

Please have them change my files with the three bureaus

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
For the past three years I have pleaded with the top XXXX CRA to correct the record. Derogortory Information on my credit report is both FALSE and/or dated 15 to 20 years ago. I have not been able to obtain a credit card for over 15 years because of this. What 's worst, credit collection agencies are now filing judgements XX/XX/XXXX and XX/XX/XXXX for disputed items dating back 16 years. People who work as public and or government agencies are being targeted as easy targets. Many times it 's easier to simply give in to the false XXXX dollar judgement than fight and retain an attorney at a much higher cost. This happened numerous times. The new weapon by collection agencies in XXXX is the XXXX XXXX. They strong arm public employees and abuse their office. The CFPB needs to step in and sanction the reporting agencies and heavy fine the abusive collection agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 disputing with the Credit Reporting Agencies to remove the fraudulent information completely from my Credit report. The letter I sent on XX/XX/2022 was already my 3rd letter requesting that the Credir Bureaus remove the items as they resulted from the theft of my identity. It has been a battle going through this and I am suibmitting this complaint to delete the following fraudulent information in my file. The dispute items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Reporting Agencies immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed XXXX {$0.00} DPT ED/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$290.00} XXXX XXXX  Bankruptcy XXXX XXXX : XXXX U.S. Bankruptcy Court

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 2016-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I notice that my credit score decrease once I logged into my creditkarma account I observed an inquiry by XXXX reported as an oil company. I have not apply for any credit cards or loan for the past couple of months. I would really appreciated it if this inquiry could be deleted off my credit. 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 explanation
Consumer complaint received 2015-12-15
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Last XXXX 2015, I was refinancing my home but because my credit file was freeze with Equifax and the process to remove my security was not as smooth as it should be. I lost the opportunity of a great offer. I tried to unfreeze my credit to the website but although i received an automatic message that it was unfreeze it was n't. On XXXX, I sent a letter with all the information required to unfreeze my credit and I received confirmation letter dated XXXX XXXX, 2015 that reads " the security freeze was permanently removed from your Equifax Credit file ''. Last week, I requested an educational loan, as a cosigner an Educational true XXXX XXXX Educational Financial Services. To my surprise, I received a letter from XXXX XXXX stating that my credit report was unverifiable. When I called them I was told that my credit has a freeze. I tried to contact Equifax but it impossible to talk to a Human Being or get past all the different telephones numbers and electronic phone prompts. My son needs this loan to paid for his tuition on his last college semester ( He is a XXXX on XXXX ). 
I fell hostage of Equifax. It 's my credit, I followed all their requirements to unfreeze it, I have written confirmation, and still I 'm not able to use my credit when I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Additional documents attached to support complaints XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Disparity in credit scores still continues. Key factors that adversely affected my credit scores. Serious delinquency, number of accounts with delinquencies, time on delinquency is too recent or unknown. A review of credits reports does not support these adverse comments. There no delinquencies. If there are no delinquencies time on delinquencies are null and void. Several accounts continue to be reported as and adverse accounts or accounts that may be negative. Information creditors are reporting to bureaus does not support adverse/accounts that may be considered negative. Several accounts have inserting bankruptcy comments, which I believe is the reason for reporting as adverse. Public record was a chapter XXXX bankruptcy which was dismissed in 2009. There were never any liens /liabilities against this file. These accounts were never included in bankruptcy. Information received from a creditor reveal that they throw out the high credit score and the low credit score, using the middle score. Based on their processing, I missed the cut off by XXXX points. Why do credits continue to use credit bureaus information as gospel?. Believe the creditor should communicate with customer before making any decision on an application. Creditor questioned why is there such disparity in my scores. scores. This question has been asked with responses from the credit bureaus. Why do the credit bureaus have such power to dictate who is credit worth or not. In response to my disputes, the end results are that information is accurate and will no longer investigate. Their re investigative results are verbatim Like they copied and pasted their results from previous investigative results. XXXX account show that records were updated based my dispute submitted over one year ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion is choosing to ignore a Federal Document I was told I was told by TransUnion to send this document in after over a week of them having the document they let my existing dispute close. Then their next problem was choosing not to accept the document. I feel like this company is XXXX XXXX against me. The document that I provided proved a clear case of fraud against 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 non-monetary relief
Consumer complaint received 2017-01-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For years my credit report has been merged with someone who has the same name as mine. I tried several years ago to clear up this issue ; I wrote to all three credit bureaus and sent in utility bills only to be told that my utility bills were too old. I have XXXX and the process was overwhelming. My credit report is merged with another person with my name, XXXX XXXX. She has the middle initial of XXXX and I have no middle name. I was born XX/XX/XXXX and she was born, I believe XX/XX/XXXX. I need this cleared up ASAP, as I am trying to save my house. I am trying to get a hardship/forbearance and I ca n't because there is a mortgage on my credit report that is not mine and is stopping me from getting the help need. The main item is a XXXX mortgage account number # XXXX. This mortgage is not mine. There is another account that my mortgage company needs gone, a XXXX XXXX account number # XXXX. This XXXX XXXX account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am trying to refinance my house and I have learned that credit score information provided to consumers is not the same information used by mortgage companies. One mortgage company told me that it is " the fact of life '' and difference is usually at least XXXX points. While it appears to be a small number it does impact the rates available. In my case, I checked my credit score through the credit card companies which indicated that I had score in excess of XXXX. When I applied for mortgage, I was told that my credit scores came back as XXXX, XXXX, XXXX. There is obviously different ways of calculating credit scores which are supplied to mortgage companies vs those provided to consumers. It is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax continues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i want them removed from my credit report. I 've asked Equifax to remove the payments from my credit report but all they do is tell me that the information is correct and they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

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