BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-28
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a car loan with Ally bank. My loan was paid off by  XXXX  in relation to closing of a home loan. The payoff amount was more than my balance and now Ally Bank claims not to show any overpayment on my account. And they say that if there is an overpayment, they can hold it for 18 days before refunding me the amount. this is outrageous.     I paid of  XXXX  other loans with VA  XXXX   XXXX  and I was refunded the overpayments immediately.     Ally still wo n't admit there was an overpayment on my account and I have no idea when I will see my money.

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 2016-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Again, as per complaints # XXXX, # XXXX and # XXXX Trans Union is not reporting proper scores even after 2 weeks : my score has increased only by XXXX points to XXXX as of XXXX/XXXX/2016 ( as opposed to the XXXX they sent to me 2 weeks ago ) even though nothing has changed with my credit accounts or credit utilization. Supporting documents attached.

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 2015-03-27
Company: National Commercial Services, Inc
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX. I do not believe my XXXX. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Police report and supporting documentation were sent to all XXXX credit reporting bureaus regarding identity theft and fraud that has lead to derogatory information on my credit reports. I have since received a response from only Experian and Equifax credit reporting agencies notating refusal to cooperate. My attorney sent a letter demanding the cooperation of the XXXX credit reporting bureaus under Fair Credit Reporting Act ( FCRA ). I have also sent a notarized statement with color certified true copies of my Social Security card and drivers license, along with a copy of the letter from the attorney. All XXXX credit bureaus still continued to refuse to correct my information. However, after another FCRA complaint regarding XXXX violations of FCRA, XXXX finally corrected all the information. On the other hand, Trans-Union just now finally responded for the first time in many months explaining that, despite all my documentation, my correct information is either an error, a misrepresentation, or fraud. Under FCRA, identity theft victims have additional rights, and I may seek damages from violators. I am already suffering damages in the form of increased rent, increased insurance costs, and denial from continuing my college program ( financial aid ) until the inaccurate derogatory information is removed. This has already been going on for six months, and I have already made repeated requests from TransUnion to remove the inaccurate information. Given my small XXXX insurance income, these delays from TransUnion pose undue hardship to me. Further, regarding my expenses to resolve this issue, I may seek damages from the credit reporting bureaus in federal court in the form of punitive damages resulting from the undue hardship. I request assistance in removing the incorrect information and seeking punitive triple damages from the credit reporting bureaus.

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 2015-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
law enforcement systems did not send me a bill for the use of a bridge ( XXXX XXXX bridge ) I have payed once I seen it on my credit report nowthey will not remove it from my credit report what can I do to get this removedXXXX bridge did not have proof that they sent me a invoice they just sendit out with the u s mail and law enforcement systems never sent me a invoiceas well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a delinquent loan with Navy Federal Credit union. I was repeatedly called and threatened with legal action, and notification to my XXXX XXXX. I was also locked out of my accounts, so making payments was not possible. I did not know this illegal debt collection processes until the recent case by the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is reporting XXXX open accounts that are discharged through a bankruptcy i have been trying to resolve this but XXXX XXXX insists that this is the information they are receiving from trans union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX account was placed on debt management program XX/XX/2016. Account has XXXX parts : pay in full and pay over time. Only pay over time was allowed to be on debt management. I was unable to pay the balance of the pay in full portion after entering the debt management program - had no extra money. The payments from the debt management program were applied to the pay in full portion of the balance until the balance was XXXX out. However, the credit report shows that this account was 'closed derogatory ' - which is incorrect. XXXX sent a letter saying the account was closed because it was put on a debt management program. Also, the 'latest status ' on the credit report shows 'collection/charge-off '. There are additional comments " charged off as bad debt. Managed by credit counseling ''. The implication is that the balance of this account has been unpaid and was turned over to collections. This is incorrect. I was NEVER contacted by a collections agency. The payments from the debt management program have been made every month, starting XX/XX/2016. The terms of the payment plan were set out by XXXX. The unpaid balance for pay in full balance has been paid in full. For every month that the pay in full balance was n't paid, XXXX applied the agency remittance to that balance, but reported the account as late to the credit reporting agencies. 
Once that balance was paid, the pay over time balance began to get paid down, and is what is being paid now. 
When I contacted XXXX about the status as 'charged off ', I was told that it was because of the late payments reported for pay in full, the account would remain as 'charged off ' until the balance was paid off. 
I have attached some documents : XXXX letter about how they do the debt management program. It states that the account in the debt management plan would not be given a derogatory status if the payments came on time - which they have. The part of the account that was not allowed to be in the program should n't affect the status of the account that IS enrolled in the program. ; there is the letter from XXXX stating that my account was closed because I was enrolled in the debt management program - not due to late payments, as shows up in the credit reports ; there also are statements from XX/XX/2016 that show that every dollar paid for the debt management program was applied to the balance that was NOT allowed to be in the program, until it was paid off ; there is a copy of the pages of the Trans Union credit report about this card. 
The inaccuracies in how this account has been reported gives a very negative assessment on an account that in fact has been getting paid every month on time since XX/XX/2016 when the debt management plan began.

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 2016-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been disputing incorrect information on my transunion credit report for some time now. There is incorrect information on my credit report and I just keep receivng a response within 2 weeks that the information is reporting correctly. This is completely wrong. My credit score is very low due to all these wrong accounts reporting incorrectly. I have 2 public records reporting this is wrong. I have settled this wrong information with the creditor and it was corrected and removed from another credit reporting agency so this informaiton was verified and corrected why transunion did not receive the right information and delete it as they were suppose to do is beyond me probably because they did not do a proper investigation or it would have been corrected. I DID NOT have 2 tax liens. They were removed from XXXX and XXXX so it should be removed from transunion. Another account is XXXX acct # XXXX reporting for {$860.00} charge off collection. This informaiton is wrong as well as I did not have a charge off in this amount with this bank. Another account is XXXX motor fianance reporting as open in the amount of {$4900.00}. This debt was PAID in full. I have been calling transunion to dispute this information and just keep receiving responses that the information has been verified. I have submitted substantial documentation to transunion and upon verifing they received it they tell me they did not receive it. Transunion is a horrible credit reporting agency as they do not fix wrong information which in turn is affecting my score and affecting me in obtatining substantial credit. I am being denied credit due to the wrong information reporting that should be deleted.

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: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have fraudulent accounts listed on my credit report that do not belong to me. The following accounts do not belong to me : XXXX BANK XXXX, Account Number : # XXXX Collection XXXX Account Number : # XXXX XXXX XXXX, Account Number : # XXXX Of North Dakota, Account Number : # XXXX XXXX Bank XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX XXXX, Account Number : # XXXX XXXX, Account Number : # XXXX Bank, Account Number : # XXXX XXXX : # XXXX XXXX. XXXX : # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For at least six years I have had XXXX collection agency after another call me about a debt with someone with the same first and last name but a different middle initial and born in a different decade. How can I *PREEMPTIVILY* STOP ALL current, new and re-named collection agencies from calling me?!!!!!! They now have my very private cell number. I am retired with ZERO debt with ANYONE!!! This is unacceptable and I am XXXX tired of this XXXX. HOW CAN I STOP ALL -- ALL -- DEBT COLLECTION AGENCIES FROM CALLING? I am on ALL NO-Call lists. Is there no NO-Call list for people who owe NO-one ANYTHING???!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report has erroneous information about a civil judgment from the XXXX XXXX Court small claims court. The apartment complex where my son previously lived sued him for {$1600.00} and were awarded the judgment. My son and I have both the same first name, but different middle initials. I have lived at my private home address for almost XXXX years and have never co-signed for any of his credit. I believe this information was placed on my report in an effort for me to pay for his debts. The credit reporting agency has not investigated this issue thoroughly even though I have filed XXXX disputes. Each time they replied within XXXX days to reaffirm that the report remains uncorrected. A cursory investigation would easily reveal that all the personal information on file at the court and the apartment complex differs from mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I HAVE TRIED UNSUCCESSFULLY FOR XXXX YEARS TO GET MY TRANS UNION REPORT ; IT TELLS ME TO COME BACK LATER, THEN SYSTEM SAYS CONGRATULATIONS YOU RECEIVED ALL OF THE REPORTS, BUT I ONLY GOT EXPERIAN & EQUIFAX & CAN NOT GET THE TRANS UNION REPORT. I NEED THE TRANSUNION REPORT TOO.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
THERE ARE ABOUT XXXX INQUIRIES ON MY TRANSUNION REPORT. i HAVE WROTE IN AND CALL THESE GUYS NUMEROUS TIMES DISPUTING ABOUT XXXX OF THE INQUIRIES. THEY KEEP TELLING ME THAT THEY ARE VALID. i DID NOT APPLY FOR XXXX DIFFERENT ACCOUNTS.

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 2015-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I did not borrow money from them and do not know who they are or how they got themselves on my credit report. I talked to a lawyer about this problem and the lawyer said that I do not owe them any money and what they are doing is illegal because they do n't have any proof of me owing them anything, when they called me I contested the bill and asked for an itemized bill and they could not produce XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Arcadia Holdings, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The debt collector contacted me. When I asked the name of the company and of the person contacting me and what is the name of the company I owe money to they did not provide any of these informations. 
They simply asked for my date of birth and address without allowing me to verify that this was not a scam pishing call. 
To the best of my knowledge I do not have any debt and this call is most likely a case of scam. 
I feel harassed, worried and anxious as a consequence of this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Account information incorrect

Complaint:
ACCOUNT NUMBER XXXX ON CREDIT REPORT # XXXX SHOWS A BALANCE OF {$34.00} WHEN IT SHOULD SHOW A XXXX BALANCE, PAID AS AGREED

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 2015-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX and TransUnion refuse to remove adverse accounts that have been " closed '' from my credit report. XXXX has verified that these reported adverse account are no longer valid. Accordingly, these adverse accounts were removed from the XXXX Credit Report. However, the collection agencies and the aforementioned Credit Bureaus refuse to accept the XXXX investigation hard copy dispute results as proof of their findings. I have written and spoken with the reporting collection agency, XXXX and TransUnion and they were all very critical about XXXX i.e., " We do n't recognize or go by what XXXX reports, we use our own methods of disputes ''. Note : How is it that the XXXX investigated results received from the same reporting debt collection agency handling all the same accounts in question, not be accepted by XXXX and TransUnion???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went through XXXX to receive my credit report. No problem at all with XXXX. TransUnion is another story! Once I was redirected to the TransUnion website and pulled up my credit report the website directed me to a password site ( within just a few seconds ). I was not aware of any password for TransUnion. I contacted customer service and was given a temporary to get into my account. Ahh all good, right? Not so fast! When I tried to get in to see my credit report and it gave me the message that you have accessed your XXXX free report and are not allowed more than XXXX but, I could purchase XXXX. Problem, I would n't let me access my free report. I contacted customer service XXXX more times trying to get to my report. Basically, I was told that once the page was moved away from I no longer had access to my report. Funny, their site removed me in less than 30 seconds from being in my report. When I ask if they could reset so I could get in since it was the same day. I was told to every question " No, you will have to buy XXXX ''. What a scam! Kick you out of your report so you have to pay to get XXXX. 
Note : The other agencies sent me emails with reference numbers so I could pull up my free report at anytime. 
I work in XXXX side of things, so I know what can and ca n't be done from a application standpoint. I work for a company XXXX and I know the business. When I asked to talk to someone XXXX to help get the flag reset - I was told they did n't have an XXXX department - WHAT!! Anything I requested was denied, saying you can buy a report ( get the picture? ). 
Bottom line I believe TransUnion is pulling a scam to make you have to buy a report. 
XXXX last note. The main reason I was pulling my report from TU in the first place was to get them to close a XXXX account that had been reported to the them as paid and closed in XX/XX/XXXX 2015 but, they failed to do so. I have proof XXXX they were sent the information but, never updated the account. This is affecting my credit score. When I ask the CS person if I could get help with closing this account - Ummm, yes but, you have to have your Report ID and that means I have to buy XXXX because I ca n't access my free XXXX to get that ID. Just another pointer towards a scam. I bet I heard you will have to purchase a report more that 10 times in the course of trying to get my free one.. PLEASE HELP! Why are these companies under more stringent regulations and control - they basically control our lives!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX had contacted me prior to adding a collection account to my credit report. At that time I advised them that the account did not belong to me and was most likely due to losing my wallet some time ago. Since that conversation the debt that isnt mine has been added to my credit report and is reflecting negatively bringing my score down and making it impossible to obtain a mortgage for a house for my family. If I had the money to pay the balance off I would do so but dont believe it is fair since it doesnt belong to me and due to my own medical issues isnt feasible. I ask that XXXX XXXX please stop trying to collect on something that doesnt belong to me and stop making my life more difficult.

Company response to consumer: Closed with non-monetary relief