BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-07
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Privacy

Complaint:
American Express, listing itself with XXXX different addresses, has repeatedly run my credit report illegally. These inquiries are 'soft ' inquiries, however, it is illegal! I have not been a cardholder or done business with American Express in over 12 years. I also have a LIFETIME ban with all credit reporting agencies for promotional inquiries. I do not know why this company feels that they need my credit report but they will be sued if they run my credit report again. They have done this several times a years for the last several years. American Express is to not contact me or run my credit again for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint against Trans Union because Trans Union has ignored my request for them to provide me with the documents that their company has on file that was used to verify the account I disputed. 
Being that they have gone past the 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA, Trans Union is required to " ... promptly delete all information that can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you for your help.

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 2015-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
XX/XX/XXXX-XX/XX/XXXX I found and got XXXX items off of my report that was fraud so after that I put an alert on the account to prevent anything else form happening. Well I am wanting to buy a hime but with all the inquires on my account that was not done by me, I put a freeze and am going to file a police report. I work and go to school full time. Well I did speak with all XXXX creditors but does n't seem like I am getting anywhere. I would like for all the items that I did not do to be removed when I asked and called them months ago and it still seems that there are inquires and things on my report that are getting on my report with out me even knowing on what is going on. My credit score has dropped over XXXX points. Now I ca n't get a loan and even when I pay all of my accounts on how it 's supose to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
approx 6 mos. ago my mother had a XXXX XXXX. The ensuing months were difficult as she had a business and many financial obligations that I was unfamiliar with, but we 've gotten through it. About 4 mos ago, her business acct at XXXX bank cashed a {$2000.00} forged check resulting in delayed payroll. We decided to wire XXXX $ into her XXXX acct from her Capital one 360 savings acct. to cover payroll. Capital one called the next day inquiring into the transfer and my mother told them she did n't know about it and handed the phone over to me and I explained the situation indicating that I was helping my mom who at the time had been aware of the transfer but was having XXXX XXXX. Checking on her acct the next day I found that her accounts had been frozen with a number to call. She had been calling that number for about 2 1/2 months, having to wait upwards to an hour and XXXX before being disconnected. A week ago she finally got through to security who informed her that she would need to obtain a POA for me, her son, before they would release any of her funds, even though she is almost fully recovered from her XXXX and has resumed the running of her financial business, although I am still here assisting her, she is able to make her own decisions. There is no Capital one 360 banks in California, ( formerly ING ), so determining that a POA is the only way to obtain these funds we have gone ahead and gotten XXXX but are having difficulty getting it to them as this needs to be expedited due to the fact that there is an XXXX $ check delayed and payroll is due soon so normal mail would take to long. Am going to pursue this but this situation has caused my mother much aggravation and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from TransUnion. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$3100.00} Reference number : XXXX {$1700.00}

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$460.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : 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 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2015-09-17
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received numerous harassing calls from Ad Astra on behalf of XXXX many of which have been from unknown numbers. I was receiving calls from XXXX, XXXX, XXXX as well as Unknown numbers from various representatives from Ad Astra stating that my " File was in there office ''. I inquired as to what file and what they meant when they said it was in their " Office ''. I believe these representatives were misrepresenting themselves in an effort to scare me. In general this company has been predatory from the start of the loan from APR to their collections tactics. In keeping with CFPB 's disparate Impact rulings as it relates to the Payday loan industry I can attest that Ad Astra/XXXX is in violation of predatory lending practices. Their practices and policies are discriminatory and disproportionately have " adverse impact '' against minorities including race, national origin, color, religion, sex, familial status, and XXXX. I believe there is no legitimate, non-discriminatory business need for Ad Astra/ XXXX to practice these policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Mortgage Research Center, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I received a call from XXXX XXXX, our loan officer we were given when starting the process with Veterans United. She informed me because of the type of loan we were going to be getting she was transferring us over to XXXX XXXX. Thats where the issues began. He rushed me off the phone that day ( Friday afternoon ) when trying to ask questions. On the Monday I emailed him concerns and asked if we could speak on Tuesday to answer questions my husband and I had. He emailed me back mid morning saying he had a meeting and would call me back that afternoon. He did answer some of my questions on the email. The call never came. Here we are a week later and still no call, no email, no form of communication!! It was my understanding after 3 days of you didnt sign the forms the loan would be null and void. I did not want to sign something without the loan officer answering my concerns! We have since found another lender whom has been wonderful to deal with. Veterans Uniteds professionalism and lack of concern is distasteful!

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 2017-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX. This is the first opportunity I have had to examine my credit scores. I have a dispute with a lien listed as XXXX. I came to an agreement with XXXX XX/XX/2016 and this account is almost paid in full. My understanding from their attorney is that this lien would be removed from my report immediately. I will pursue legally with them but would like to know what documentation you need to remove this from my credit reports. 
Thank you in advance for your assistance. 
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 2015-05-17
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ally/ National are calling me 4 times or more a day even on Sunday and Saturday from the moment I am 1 day behind and continue even after i make a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I received a letter from American Express in late XXXX ( I believe ) more or less stating that my interest rate on my credit card was being adjusted to nearly TRIPLE the rate I have had for almost 23 years. The reason was not one wherein I did anything to default on my card terms and conditions or anything of the like. I called in XXXX to address the matter and was told that American Express needed to align its card product to be in better alignment with market standards. It was due to a subjective business decision in other words. I was told that in order to contest the interest rate change, I was REQUIRED to go though an appeal process. Required. The supervisor with whom I spoke said she would submit one for me stating she understood and was in agreement that I had a stellar relationship with them for a long time and never paid late as I stated etc ... Within three days I received a letter in the mail stating that my FICO score which was very good. But AMEX still has chosen to raise my interest rate without material reason. The letter provided a number to further discuss and what proceeded was a sham. I spent nearly an hour on the phone being passed around to various persons because the number provided was misleading in that I could get further information. I have a record of all of the dates that I called and with whom I spoke. I suspected they were running a game hoping I would go away. AMEX is imposing usury level interest charges to suit their greed. If you provide a line of credit based on credit worthiness and the consumer has not breached any of the terms, it is beyond unreasonable to just decide to triple the interest rate because my guess is AMEX did not like the fact that I had recently let me balance run higher than normal. I have that right because it is in line with what I was approved for and I even paid off the entire balance. One time I was even connected to a group called Responsible Lending and spoke with a very reasonable rep who demonstrated the patience to hear out all details and he even said he did not understand why my interest rate would be raised so high. Yet he could not help me ultimately because I had been improperly transferred for the 3rd time that day. That aside, in terms of quality of customer service, in all of my nearly 23 years with this company, AMEX gets an F+ for making a decision to communicate such an egregious unfounded change to my interest rate after being an EXCELLENT customer so long. There is a deficiency in the internal processes to handle these sorts of matters which leads me to believe it is intentional. I am not going to just swallow a usury application of a charge. I made many efforts to identify the proper party to speak with re : what would become a SFP complaint and some were just ignorant and others just did not seem to care. Very unfortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion continues to report inaccurate information on my credit file. For one, they fail to remove several address that I have asked to be removed from my report. My current address is XXXX XXXX XXXX XXXX GA XXXX and no other address should be on my report. 

They are reporting several public records that have not been verified to include, a Chapter XXXX Bankruptcy and XXXX released tax liens as well as credit account with XXXX. Once I disputed, they updated the information and/or records but failed to verify the information. 

Chapter XXXX Bankruptcy : If a proper verification was completed, Transunion would have known that the public records should be deleted due to verification purposes alone. The Bankruptcy has never been verified as they stated. This is due to the fact that my consumer file with XXXX, whom they claim they verified through, is frozen and thus could not have been. They falsely reported they did, closing my dispute in 10 days and not taking the entire 30 to complete as they should have. 

In regards to the tax liens, according to their own website " A satisfied tax lien remains on your file for up to 7 years ''. One lien was released XX/XX/XXXX ( showing to be deleted XX/XX/XXXX ) and the other was XX/XX/XXXX ( showing to be deleted XX/XX/XXXX ) these accounts should not be on my records for 10 years and should be deleted. 

Transunion continues to violate my rights by falsely reporting they have verified public record information when they in fact have not. I would like these deleted immediately as they are negatively affecting me as a consumer.

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 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a XXXX XXXX account for XXXX XXXX XXXX dated XXXX/XXXX/2011 in the amount of {$160.00}, for what? I have no knowledge of this account, charge nor did I recieve a bill for this service. I have insurance with deductible which was met this year so what is this charge and for who, what was done? This is more false, inaccurate credit reporting. I was never notified of any bill. I want this removed from my credit report immediately.

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 2017-10-11
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid Barclays Bank back on XXXX/16 I tried to get an unsecured loan for a home and was denied not because of credit but because this item is still showing up on my report as not having been paid and that is not true. I have paid this item I owe a XXXX bal

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 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been disputing specifics on my credit report for months now and they keeps sending the same generic letters back - As a consumer I am entitled to proof of how the specific account was verified and who was spoken to and the documents sent to me directly.

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 2016-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Recently pulled my credit report and there were several fruadulent account on my report that dont belong to me and nor did I authorize. 
1. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Also the following are fraudulent names, addresses and telephone numbers XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX Ct, XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, MD 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 non-monetary relief
Consumer complaint received 2015-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion has an old charged off XXXX credit card on my credit report. The account was last reported in XXXX/XXXX/2007 with a balance of {$790.00} which makes it over the 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX/XXXX/2013 wrongfully without my verbal or written authorization account with XXXX XXXX XXXX has been open under my name. 
I never received any service / benefits from XXXX XXXX Trident Asset Management reported this account as a collections without verifying this account, without providing me notice with right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX XXXX XXXX with a {$8400.00} balance in XXXX. So far, XXXX XXXX XXXX has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted XXXX XXXX XXXX and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked AAFES and XXXX numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.

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