BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I contacted XXXX and tried to make arrangements to settle account, as i was in process of purchasing a condo in Va. we verbally agreed on a {$500.00} settlement paid in full, of which i let them automatically had them take out of my checking acct. the amount of $ XXXX.The bal was to have been paid on the following month. During the time after the first payment i received a letter stating i had a bal. of {$710.00} I made a phone call to them and was told that the amount on the letter was standard, to which i replied this amount was not our agreement and where does it state my initial payment, and the settlement amount we agreed on. In my opinion they reneged on the agreement therefore i am of the impression they lied and pulled a scam.My Payment of {$45.00} to me is debt paid in full ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have written the Credit Agency multiple times over the past several months and have received responses that they have completed investigation without proving how they concluded the investigation. I have repeated requests and to no avail. I have contacted the creditors and credit bureaus and therefore need help validating these items. 1. Bankruptcy 2. XXXX, 2. XXXX 3. XXXX. Please help and advise. All of these agencies have not been helpful either by phone or mail. I need these items resolved and 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 2015-07-23
Company: ALLY FINANCIAL INC.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX Hyundai Santa Fe from XXXX XXXX XXXX in XXXX XXXX SC on XXXX XXXX 2015. After reviewing the contract and after the contract was already sent to the lien holder ( Ally bank ), I decided that I wanted the gap coverage of {$790.00} and the extended service warranty of {$1500.00} charges returned to me or my lien holder. After fighting with the dealership and being told lie after lie I finally got my money back. The amount of {$1500.00} was sent toAlly bank and applied to my account on XXXX/XXXX/2015. The amount of {$790.00} on XXXX/XXXX/2015 was also eventually sent after a complete run around of who should refund this money. I looked at my payment history with Ally and noticed that the amount of {$1500.00} was posted which made me very happy. Then when checking my history again I noticed that the amount had been reversed and never has been reposted. I called Ally, spoke with XXXX ( XXXX/XXXX/15 ) and was asking why this was done and I would like to know where my money was. They stated the reason it was reversed was due to that it was a service warranty and that they had taken interest on the amount so they needed to correct that mistake. It has been two months to correct that mistake. I called Ally again on XXXX/XXXX/2015 and spoke with XXXX she could not answer my questions so I asked for a supervisor. I then spoke with XXXX who told me that after checking with someone that he could not give me a date when my money would be reposted to my account. He did n't want to add to my frustration and would not give me a reason why it was taking so long or why I could not have a date for expecting my money to be there in my account. I addressed also that the {$790.00} gap coverage warranty was posted and that they had taken out interest on that so I wanted that reversed also and the interest taken off. Today is XX/XX/XXXX and in 3 days as you can see from my attachments that has been taken care of - even though they reposted as if they did it on XXXX/XXXX/15 when it was n't done until the last XXXX days. As you can see the amount of {$1500.00} has not reposted to my account. I do not know why you have to fight so hard for your money but if I owed them they would want their money now. I have my car payments in a timely manner, never late. I would just like the same respect and I wish there was someway I could get back all the time and frustration that I have spent on this commitment. Fighting with the dealership and now this bank. I have put in many hours talking to people, arguing and being lied to. I just want my money posted to my account and treated like they would want to be treated. They want me to pay them money toward the loan and I want them to post what is owed back to the loan. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is reporting information regarding XXXX BANK XXXX .... on my credit report, and their system refuses to let me re-dispute. No other CRA is reporting it, only Experian. Creditor 's statement : Account transferred to another lender, and Experian refuses to investigate the name of that lender. Moreover, I have no knowledge of the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX, previously XXXX owned our mortgage loan. In XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house in XX/XX/XXXX. Our bankruptcy was discharged in XX/XX/XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure in XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure in XX/XX/XXXX Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX Also the taxlien has been paid and its not being reported as such.

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 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The information submitted by XXXX XXXX and XXXX Bank as shown from captures of my credit report are incorrect. They incorrectly reported a delinquencies on my XXXX credit bureau reports. I have submitted my dispute with XXXX and TansUnion and am looking for an urgent timely response. The payment for the credit card was made on time, any delay and lack of accurate report is caused by XXXX XXXX. They asked that I get this resolved by contacting the credit reporting bureaus directly. XXXX Bank is unable to verify the delinquency. 

Please refer to the captures uploaded as images for information.

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 2016-10-26
Company: Nevada Credico, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collection agency has failed to provide debt verification notice as it was required by FDCPA for me to dispute the debt. I also called to the agency and mailed them to validate the debt.

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 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
THIS COMPANY WAS PRETENDING THAT THEY ARE ONE OF THE XXXX CREDIT BUREAU IF IM NOT MISTAKEN, THIS WAS HAPPEND TODAY XX/XX/2016 AT AROUND XXXX, THEIR WED SITE IS ; XXXX IT TAKES TOO LONG TO LOGIN, THEY ALWAYS ASKED ME A LOT OF PERSONAL QUESTION, REPEATEDLY, THEY OFFER ME TO FEE {$1.00} TO INCRESED MY CREDIT SCORE, AFTER I PAY THE {$1.00} USING MY DEBIT CARD, MY PHONE RECIEVED A MSG REPORT FROM THE BANK COMPANY THAT " TU*transunion Plus 8 " CHARGE $ XXXX..AFTER A FEW MINUTE, I CHECKED AND REVIEWED THEIR WEBSITE POLICY, TERM & CONDITION & THE PRIVACY ITS LIKE ILLEGAL XXXX SO I CALL MY BANK TO DISPUTE THE TRANSACTION, AND I CALL THE TRANSUNION PLUS, BEFORE XXXX WITH THIS # XXXX BUT IT WAS THE ANSWERING. AND I CALL AGAIN AT XXXX, AND A LADY ANSWER ME, TELLING SHE IS A SUPERVISOR ( IN A NICE VOICE ) FROM TRANSUNION CREDIT BUREAU, I TOLD HER I NEED TO DISPUTE THE TRANSACTION THAT U CHARGE ME {$29.00} INSTEAD {$1.00}. AND SHE SAY WHY, THIS IS IMPT, WHATS THE REASON? AND SHE SAY MAYBE YOU NEED THE {$9.00} PLAN/MONTH. I SAID I DONT NEED IT, I WANT MY {$29.00}, AND HER VOICE STARTED TO WAVED. I TOLD HER THAT I REVIEWED YOUR PRIVACY POLICY IN YOUR WEDSITE AND YOU ARE NOT AFFLIATE IN THE XXXX CREDIT BUREAU. AND THE LADY SAYS AH OK BYE.. AND WHEN I TRIED TO OPEN OR LOGIN TO THEIR WEBSITE BECAUSE I WANT TO DELETE MY INFORMATION BUT MY ACCOUNT WAS SUSPENEDED ALREADY.. I NEED SOME HELP TO REMOVE MY PERSONAL INFO IN THEIR WEBSITE.. 
THANK YOU..I HAVE A PRINT IN MY CREDIT REPORT FROM THEIR WEBSITE I PRIENT IT..I CAN NOT DOWNLOAD THE FILES, I TRY LATER TO DOWNLOAD

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 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've disputed items on my credit report with TranUnion and XXXX, a few months ago, I have n't seen any progress on my report. I called both Credit Bureaus twice just to check on the progress and they responded with no updates. I recently called TransUnion because I noticed there were inquiry 's on my report that has nothing to do with my accounts and would like them removed NOW. A representative then told me that the inquiry 's that was n't associate with my accounts is would be removed waited XXXX weeks and nothing has changed for inquiry 's nor disputes. Going to the third month soon.

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: 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 is not mine

Complaint:
I 'm Filling a complaint stating this account is not mine I pulled my credit fill back in XX/XX/2016 disputing file # XXXX XXXX is the company this is not mine and I requesting that it be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Fraudulent inquiries that is not mine. Reported to business.

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 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Filed for Bankruptcy in XX/XX/XXXX because of a divorce, received moneyfrom the divorce in XX/XX/XXXX, I paid all bills I had filed on and withdrewthe Bankruptcy. Had not been a month till I withdrew the BK. Today is XXXX XXXX,XXXXand I still have not been able to get this taken off my credit report. It is showing aBankruptcy dismissal. I did not go through with this yet it is still on my report. I have been denied a Home Loan, a small personal loan, a credit card, an apartment, and even have to pay higher prices for utilities to be turned on. I am a XXXX senior citizen living on a fixed income. I feel I have been treated unfairly because of this BK.I would like for this to be taken off, since I did not go through with this. It is effecting my credit score XXXX pts. 
I try very hard to keep my credit score up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have Public records listed on my credit reports that are inaccurate and incomplete such as a Bankruptcy, that the XXXX major credit reporting agencies Transunion, XXXX and XXXX are reporting. The federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Transunion, XXXX and XXXX numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE these Bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from the Federal Bankruptcy Courts stating that they DO NOT report to the consumer reporting agencies, but yet the consumer reporting agencies are saying that they have verified it through Federal Bankruptcy Courts and I know they do n't because the information they are reporting is inaccurate and incomplete.

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 2016-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had opened a XXXX credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all XXXX credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what XXXX has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done 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 2016-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX regarding an account with XXXX CO. The written letter offered the option to log into XXXX XXXX XXXX which would allow me to pay my account in full. I made the payment in full of {$840.00} which was withdrawn from my bank account on XXXX XXXX, 2016 ( please see attached payment receipt and bank statement ) and as of XXXX XXXX, 2016 XXXX XXXX XXXX is still reporting my account as OPEN and " Placed for Collection '' ( please see attached Credit Report excerpt ).

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 2015-07-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Again, Chase Bank deducted NSF fees very late in the next morning!! My check from XXXX ( pension ) was recorded on XXXX/XXXX/2015 and when I checked at XXXX ( XXXX/XXXX/2015 ) everything was o.k. XXXX no deductions from my account ). However, when I checked again this morning ( XXXX/XXXX/2015 ) they had delayed deducting some of my checks until XXXX/XXXX/2015 and yet said that the checks were from XXXX/XXXX/XXXX, causing a NSF fee. This is, again, a rip off of customers that Chase uses as a tactic to receive millions of dollars a day unfairly from their customers! This is the 4th time that this has happened to me and the 2nd time this week. They had said a couple of weeks ago, that this illegal tactic would be rectified, but they have not either rectified ORr they are delaying rectifying this until they continue to collect millions upon millions more or they are not going to change this dirty, money grabbing tactic like they told CFPB or in a letter to me! There should be a class action suit for hundreds of millions of dollars in regards to the continuance of this dirty tactic!!! I coluld see why Chase has one of the worst records when it comes to complaints. I was originally ripped off about {$700.00} a few years ago, but I complained to an assistant manager and he proclaimed he was going to help me, but I went back several times to talk to him, but nothing ever happend and I was unfairly out of over {$700.00}. The Chase assistant manager was a big phony and did n't do a thing for me like he said he was doing!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Ditech Financial LLC
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
They sent letter saying I can get my assistants takin away So I called they wanted me to pay {$100.00} I said I can pay {$10.00} a month he said I want to see if u will be honest so I will take it someone said if I was going to get the house I said no he said why u pay it I said to be honest he said they done repo it I said yes he said u live on fixed income u ca n't afford to buy home if ur not going to live there I was scared they take my XXXX I do n't know the law like the guy on phone now I guess because I sent {$10.00} I can get sued if I do n't keep paying the guy said he was n't going to make me pay but wanted a {$100.00} I have XXXX I believe letter take my money away

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX is not being reported correctly again. The date the account allegedly was opened is confusing and looks to be in error. The application was signed XXXX/XXXX/XXXX however they are alleging the account was opened XXXX/XXXX/XXXX. The full payment history including all of the credit card statements were not submitted as per XXXX XXXX. The billing practices are in question now, due to not giving full disclosure on the biling and the payment history which was also requested with Case XXXX.Where is the proof that they confirmed the open date of the account. There all sorts of inaccuracies and incomplete items regarding the reporting. The credit bureau indicates the account was opened on XXXX/XXXX/XXXX. For all of XXXX up to XXXX XXXX how can I assume the reporting was done properly and correctly. 
Experian is not PROPERLY reporting the date the account was opened

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 2023-01-31
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I reached out to XXXX, Equifax, and XXXX on XX/XX/XXXX asking them to verify these debts by contracts and signatures of mine I also sent them police reports they still haven't removed anything ( XXXXXXXX XXXX XXXX XXXX  ) {$1800.00} XX/XX/XXXX, bankruptcy XXXX XXXXXXXX XX/XX/XXXX, bankruptcy XXXX XXXX  XX/XX/XXXX, bankruptcy XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation