BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TransUnion has refused to reflect all of my payments that I have made to XXXX XXXX car installment loan. On TransUnion reports dated XX/XX/2016, and XX/XX/2016, my XX/XX/XXXX payment was not included. Also, one of the officials stated that my low credit score would change after 3 months of payments on this car loan. It appears that TransUnion may have deliberately refused to reflect my timely payments. XXXX XXXX is sending me a letter stating that TransUnion was notified of my XX/XX/2016 payment in a timely manner. TransUnion without my request or permission chose to opt me out of promotional lists supplied by TransUnion without any expiration date. It is my position that for some reason unknown to me has maliciously sabotaged my credit report by these various uncalled for actions. This is a complaint totally different from the previous complaint with CFPB. These negative actions of TransUnion causing my credit score to be Grade XXXX even though I always make all payments in a timely manner and every account on my credit report states " paid as agreed ''. TransUnion is violating FCRA 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 2015-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After canceling my service With XXXX attempted to pad my bill with false charges. Bill went from $XXXX to almost $XXXX. I was told at XXXX I had to pay an early termination fee but I reminded them that I was not under contract for over XXXX years or more. After months they finally corrected my bill and I paid them in XX/XX/2011. They call themselves making a settlement after high jacking my bill for much more than it was suppose to be. Never could explain what the extra charges was for. Never sent a paper bill at all only a letter stating what they would settle for in a full payment, which was still more than my last bill should be.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit score dropped XXXX points ... AGAIN due to an inaccurate reporting on this agency 's behalf. I have also, yet again, not experienced the same issue with either of the XXXX other reporting agencies ( my account balance is correct on each on, reflected a closed account with a {$0.00} balance. ) I recently refinanced my auto loan with XXXX, and they added the new account to my report which is fine. What was not okay, is that TransUnion reported the new information, but is still reporting that I owe the total of my previous loan payment with XXXX XXXX XXXX XXXX. This error, again, has drastically dropped my score due to the agency not reporting my balance as closed with {$0.00} balance as opposed to closed with a XXXX balance.

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 2022-06-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
on my credit report for TransUnion, I do n't recognize one of the credit card with balance of {$600.00} I have XXXX other cards on the same financial institution but I do n't see this XXXX anywhere. plus i do n't see them in my other credit reports ( XXXX and XXXX ) please remove this XXXX from my report. 

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 2015-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The XXXX 's rents Inc.that are on my credit report on transition and XXXX is not mine.those were husband accts.they never put meme on accts. cause they said I was n't working.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transunion credit bureau, XXXX, chose to not temporary lift my security freeze, these transunion employees tried to get me to give them an additional {$5.00} from my credit card. The transaction number for the {$5.00} from XX/XX/2016, is XXXX. They understood I needed to get my credit report today for a loan. My phone number is XXXX. I spoke to XXXX today with your agency. Also, I explained to them, by law they are not supposed to even take {$5.00} to temporarily lift the security freeze because I have it placed there due to past identity and fraudulaunt activity on my credit report. Thank you for your expedited assistance in this matter. I strongly feel Transunion is extremely wrong in refusing to assist me and insisting on getting additional money from me. Sincerest, 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 2017-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This letter is formal notice that you have failed to respond to my online dispute submitted On XX/XX/2016 I submitted a dispute with Transunion to validate a debt showing on my credit file. They have not responded within the XXXX day limitation for disputes. The debt has not been validated in any form and I am demanding it be removed before I take further action with the Federal Trade Comission. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the 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 2015-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a collection account for {$1000.00} on my Transunion credit bureau from XXXX XXXX that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have always checked my credit report several times a year and it has been right. I just checked my credit report yesterday and found that now it shows that I worked for XXXX. I have never worked for XXXX. I believe this is the only error. 
It 's impossible to find the tool to correct it using XXXX XXXX or TransUnion or XXXX. I just keep going around in circles between the links. That 's why I am noting it here. There should be an easy, qhick place to correct something so simple. Instead Id am going around and around, getting more and more frustrated.

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 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a debt reporting on my credit for a payday loan. I am XXXX, and I am just now learning how to use the internet. I never applied for any loan, and I am disputing the validity of this debt.pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?

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 2015-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Trans Union is reporting a bad address that I never lived at. The bad address that I never lived at is being reported on my credit file as the following information:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXXPlease Delete as I have never lived there and it is being reported since XX/XX/XXXX and my year born is XX/XX/XXXX which would have made me XXXX years old at the time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
the balance was XXXX $ and XXXX $ latte fee total shood be XXXX $ and be send to me to pay it off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is a wrong address on the Transunion credit report. I never lived at:XXXX XXXX XXXX XXXX XXXX XXXX NYXXXXPlease correct this information. 

Thanks. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for Chapter XXXX bankruptcy in 2009. The bankruptcy was dismissed. I desperately need a new roof, but I can not get approved for a loan due to the above. I believe it should be removed from my credit report since it was dismissed.

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

Complaint:
Transunion had a glitch in their system when I was in the process of buying a home. When I was going through the approval process, my credit report from Transunion did not have any inquiries. When my approval was in it 's final stages, there were XXXX inquiries that showed up on my credit report and now my pre-approval is in jeopardy. I have tried to contact them however, they have kept me on hold for at least a hour on both instances. I just want them removed so that i can have my loan approved.

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 2017-04-28
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
M y Fidelity Rewards Visa c ard was abruptly closed without any notice on  XXXX / XXXX /  XXXX  . After calling and waiting on hold and being transferred around their system, I was told that my spending poses a risk and that my account can not be reinstated. Worse, I have 65,013 rewards points in my account, which are worth {$650.00} if transferred to my brokerage account, that are frozen and not accessible.     I spoke with  XXXX  at Fidelity ( ph #  XXXX   ), as  she was the analyst that decided to close my account. She was extremely unprofessional and offered no explanation for what I had done wrong. After insisting on being transferred to her supervisor, I was transferred to  XXXX  's voicemail ( she refused to give me his direct line ), and I have not heard back from him.

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 2015-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all XXXX agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on XXXX, transunion,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XX/XX/XXXX and they have verification wrong so i can not check on status. XXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a Citibank XXXX XXXX account on XX/XX/2020. I spoke on a Live Chat with a representative named XXXX who told me the interest rate would not be any lower than .90 %. When I tried to fund the account on XX/XX/2020, I saw the interest rate had changed to .70 %. I spoke Citibank 's " Dedicated Account Management Team '' and I was told the interest had changed and the would not honor the guaranteed rate of .90 %. I have screenshots of my Live Chat with XXXX, the representative I spoke with on XX/XX/2020. I feel I was baited into opening an account with Citibank.

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 2016-10-04
Company: ALLY FINANCIAL INC.
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have sent Ally Financial letters stating that I dispute information they are sending to the credit bureaus. They failed to mark my account as disputed within 30 days of my contact with them on all XXXX of my credit reports which is in clear violation of FDCPA 807 ( 8 ). I have time stamped copies of all XXXX credit reports and a certified mail reciept showing when Ally Financial recieved my letter proving they failed to mark it as disputed.

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: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
In XXXX, I terminated my agreement with XXXX, after switching to XXXX XXXX, and returned the converter box. XXXX claimed I never returned it, and demanded payment, which I refused to make. XXXX then reported me to a collection agency, XXXX, which reported me to all XXXX credit bureaus. I had a house fire which destroyed my receipt for returning the converter box, so I decided to wait 7 years for it to fall off my report instead of paying what I did not owe. In XX/XX/XXXX, Stellar Recovery re-aged the information, and it is still on my credit report. I filed disputes with all XXXX credit reporting agencies about 2 months ago. XXXX and XXXX removed the item from my credit report. Transunion, however, kept it on my report, noting that I am disputing the information, but that it meets FCRA requirements. What I am looking for here is twofold. 1 ) To have this information, which has been falsified, removed from my report, and 2 ) For whoever is responsible for falsifying the information to face sanctions, including criminal penalties, if applicable.

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 2016-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a discharged Chapter XXXX Bankruptcy that is on my Transunion Credit Reports that does not belong to me. I have disputed several times with the credit Transunion and XXXX and they both verify. I have inquired to both for the verification information and they both have failed to supply this to me. After looking up the Bankruptcy that is reporting on my file, it looks like it is someone with a similar name. I have never lived, nor do I know anything about the address that is associated to the Bankruptcy. If they are using other means to verify, I need to be informed so I can show proof that this public record does not belong 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 2017-01-10
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 disputed several accounts in XXXX with Transunion and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX XXXX- Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.

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