BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
HI, The problem seems to be the fact that the reports do not show credit reports showing all payments have been made on time, there have been no late payments missed or late for as long as I can remember. 
There was reporting of my lease payments made every month for for the time i have lived here, for some reason that reporting stopped?, I have never been late or missed a payment ever, but the non reporting seems to have affected my score, in the credit report it shows that there were a few missed payments when i purchased my car, this is incorrect, I purchased the car in XXXX 2002 ( new ) car was paid in full in 5yrs, not one payment was missed or late. 
The other accounts in my credit life such as XXXX account, phone bills, all the normal everyday bills that do not get reported i have never missed or been late, but this system does not take any of that into consideration when reporting my score. 
I have taken pride in paying my debts on time, there have been no derogatory reports, no negative anything, but yet the transunion report, and the others continue to show a few missed payments in the car purchase, account is paid in full and closed years ago, no reporting on on time lease payments going on 4 years now, never late, never missed a payment, this reporting just suddenly stopped for some unknown reason. 
I guess you can see i am a bit upset with this reporting system, the errors that are there, have tried to get them corrected by contacting the reporting agency 's, the fact that my banking and savings accounts are above average, because i closed a credit card account because i was not using it, my score went down, and it seems the only way to get it back to where it was is to get another credit card and go into debt, just does not make any sense to me!. 
Thank you for the opportunity to lay this out, really would not have to go through all of this if there was a accurate and efficient way of reporting errors that need to be corrected. 

Sincerely, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
On XXXX/XXXX/16, I received a voice mail message at work from a XXXX XXXX saying she was a debt collector from Harris & Harris and to all XXXX x XXXX. The number recorded by the voice mail system was XXXX. I do not know what this call is about as I do not give out my work number for personal matters. Also, to be able to leave a voice mail message, you need to know the main number for my office and also my extension. 
In order for XXXX XXXX to leave a message she would actually have to ask for me by name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Ally financially made a billing error. This is a non-valid debt. We have been fighting with them for 3 years to get this corrected. My husband 's lease ended in 2013. We were over the miles and planned to purchase the vehicle, however the dealer talked him into re-leasing instead and the dealer bought the vehicle. He explained this would absolve any fees. Our buyout quoted price from Ally was {$16000.00}, XXXX XXXX ( dealership ) paid Ally {$16000.00} for the vehicle. The dealership assured us we would not be responsible for anything further ( as did Ally ). For some reason Ally still sent us a bill about a month later for over mileage ( even though this vehicle was purchased by the dealer and not returned to Ally ). We have been going rounds with them to get this corrected. I even filed a XXXX report with them in 2013 where a manager responded and assured me it would be removed. However it never was.

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 2016-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I called XXXX XXXX for billing XXXX because they are unfairly charging me for medical visits. I showed up at the office and they said the doctor could not see me and one of the charges they called me to come and when I arrived they said I did not have an appointment. The doctor has refused to give me XXXX even though the prescription XXXX XXXX prescribed has XXXX to it. XXXX. I came at their request they did not provide a service. XXXX XXXX, 2015 when I paid them is the only charge I should have. I always paid {$20.00} and had no balance owed. Every since I told them I had Medicare they have increased the amount. I have a deductive with Medicare which I did not know about until Medicare wrote me. Recently Medicare paid another bill at XXXX XXXX XXXX because I stopped taking the medicine that broke me out and started with the vinegar in a glass of water. I feel my rights have been violated by sending me this bill when they have not provided service. They have charged me {$170.00} 3 times. I am a XXXX and my rent is going up next month on their tier method. I do n't need this fraudulent charge on my credit. Please 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 2017-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Contacted Trans Union and I was instructed to fax to the fax number below to send a letter which I requested to not add any Fraud or OFAC alerts without my written consent, which I faxed on XXXX XXXX, 2017. Trans Union has willfully and negliently added a fraud Alert anyways to my account. I have provided the letter sent to Trans Union including the fax confirmation page and blocked my personal signature information from the notarized information for my privacy protection. 

Trans Union XXXX Fax : XXXX File number:XXXX Attn : Consumer Contact dept Reason for calling : Remove Fraud Alert

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 2015-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On all XXXX credit bureaus reports I have fair credit because they state I do not have a long enough credit history. They have left off one of my credit cards, XXXX XXXX, which I have had since 1993. Would definitely bring my average credit history up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Ceannate
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I entered into agreement with navient for student loans. Now I am being approached by a collection agency about a federally subsidized loan. The company approach is deceitful. Blatantly lying and baiting me. Will not allow me to discuss matter when I am not at work. Would not schedule a callback without trying to force me to answer questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Tried to get free credit report, was unknowingly signed up for their monthly service ; was charged {$1.00}, which they claim they can not refund in spite of the fact that I called them immediately ( no more than 5 mins ) after I created an account on their site. The charge is only {$1.00}, which is small enough that most people will ignore. However, thousands of people do this and thus the credit company makes a lot of money by cheating you out of a buck. They also offer no way to delete an account, I was told I can only " deactivate '' an account and they would not absolutely confirm that my account and associated information ( including credit card info ) would be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
When I went to the Free Annual Credit Report website and provided my information " TWICE '' it got to the downloading report message and just stayed there. Nothing was ever down loaded or shown on the screen. I attempted to contact the company but they have noting but a phone look and no way to talk to anyone to resolve the problem. I am afraid my information is out in cyber space somewhere for others to see and I am afraid my credit score has been negatively affected by trying to access my report twice. I believe there is some false information on my report and that is why I was trying to access it along with we are looking to buy a home and wanted the information for that purpose. A phone number is needed for customer service so people can contact and speak with a human to resolve a problem. I even tried obtaining a phone number from the Consumer Financial Protection Bureau to get a phone number for customer service from the Free annual credit report and they did n't have any other than what I had.

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 2023-01-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I created a coinbase account. 

I verified my identity, XXXX XXXX 

I did a XXXX currency recharge from my bank without problem. 

I made a change from XXXX XXXX XXXX without problem. 

Now they have my money withheld, they won't let me send the XXXX outside of Coinbase, they have restricted my sending, and they don't tell me why, they don't give me a solution, and they have my XXXX in their possession. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Harris & Harris, Ltd.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Harris and Harris, LTD send me a letter reference to Collected money from XXXX XXXX XXXX when I started made Money Order payment in XXXX, 2014. They do n't reflected on his Computer. Recenlty The XXXX XXXX XXXX send a Finacial Assistance Award Letter as said The State paid a 100 % per cent, but they do n't believe me because, When I contacted The Debt Collection Agency was recorded on the phone they do n't asked me for The Reference Number of The Award Letter to Confirm as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Lustig, Grayson and Wilson leaves a recorded message on my telephone twice a week saying to call them to discuss my account. I do not have any outstanding debt, I have seen all XXXX of my credit reports stating this. I have been advised by the Massachusetts Attorney General 's Office to not call these people. I would like them to stop calling and leaving their messages.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: NORTHERN OHIO INVESTMENT COMPANY
State: OH
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt is XXXX reverse mortgage. Debt not owed until both my wife and I die. Still we are receiving collection letters. Requests to stop are unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my request, Experian sent a notice tha t one of  my accounts,  XXXX   XXXX   XXXX   XXXX , had been updated on  XXXX   XXXX ,  XXXX . It is clear this was an automated update and not via human review. Any person of reasonable senses could see the payment history is incorrect. It is not possible for an account to show late payments once it has been charged off, then show charged off again. That is exactly what  XXXX  's payment reporting shows. No other credit reporting agency has this error.  XXXX  solely has caused me financial loss, including the loss of a home purchase last month for which my underwriter sited this specific issue as the reason for my not getting the home ... that is now sold to someone else.     Specifically, the account was originally charged off in  XXXX  of  XXXX . The updated reporting shows that event correctly BUT then shows the account 180 days late starting  XXXX   XXXX  through  XXXX   XXXX , THEN shows the account as charged-off AGAIN starting in  XXXX   XXXX . This is causing my underwriter to view the file as just charged off this last  XXXX  rather than the actual date of  XXXX   XXXX , almost 5 years ago. In addition, the account is not showing a  XXXX  balance which is required on a charged-off account.

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 2016-08-30
Company: Sentry Recovery and Collections, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sentry recover XXXX promised to remove collection account completely from my credit reports and it still shows on the transunion credit report. I have tried numerous times to contact the company as well as dispute it with the credit reporting agency to no avail.

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 2016-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have multiple hard pull inquiries well within the allotted 15 days. Multiple inquiries within 15 days of each other are to be treated as only XXXX inquiry [ for home mortgages and auto loans ] My inquiries were to get pre-approved for a home mortgage. XXXX and XXXX XXXX both pulled an hard inquiry on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX inquiries on the same day. 
Also XXXX pulled a hard inquiry on XXXX XXXX, XXXX and also on XXXX XXXX, XXXX. Only one day later. XXXX XXXX XXXX XXXX inquiries in two days. 
I want XXXX of these XXXX inquiries deleted, as per the credit bureau 's own rules. 

Also I want it known that I did not authorize The Pre-Check company to pull a hard inquiry on 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 explanation
Consumer complaint received 2016-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have service with info armor and Transunion has not accurately reported or corrected the information they have been providing XXXX. XXXX has stated they have been going back and forth with Transunion as well to no resolve. In XXXX 2016 credit score was XXXX and now its XXXX - I have no idea what the credit reporting agency has done behind the scenes within a month to in accurately reflect a score of XXXX. I am trying to purchase a car and this is effecting my loan qualifications.

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 2022-03-03
Company: EQUIFAX, INC.
State: MD
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:
So I called Equifax at XXXX XXXX on XX/XX/2022 I spoke to a young lady by the name of XXXX she stated to me that shes unable to remove any in accurate information thats on my credit report I have sent the letter XXXX letter I have uploaded and fax all the inquiries thats on my credit report are in accurate And I need them to remove it because its affecting Financially

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX XXXX accounts on credit report that is not mines and I have attached a letter from bank asking for them to be 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 non-monetary relief
Consumer complaint received 2017-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted this before and the Bank of Am erica Response ne ver address the issue.     Bank of America practiced " deceptive lending ''. They offered mortgage modification help to homeowners then kept asking for paper work like it was a numbers issue. They did turn is down in the beginning but then went on to say we could reapply. Then for the next 7 years asked us for more and more resubmissions, and paperwork. We updated bank statements, profit and loss statements, income. All the while we found out 6 years later they had no intention to modify.   They have never addressed this. I had to ask the rep face to face " were you ever going to modify? have you ever modified " she said " no ''.   This is not what the bank is they are there supposed to be there to help us.   Full disclosure and honesty.   we originally applied  XXXX   XXXX  . 1st d enial with the advice to reapply summer of  XXXX .   Bank of America put in foreclos ure  XX/XX/XXXX - XX/XX/XXXX . Ta ken out of foreclosure and more than 6 years later told no modification. They led us to believe that they were working on it. It was always at the desk of some being worked on. We showed up for meetings that no one was there for. It has been 7 years of deceit. We have tried HAMP but if you are more than 1 year behind in payments you are not qualified.

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 2016-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On or about XXXX XXXX, I received a phone call from XXXX Bank requesting payment on a credit card. Having never been a client of XXXX Bank I ran my credit report and, indeed, found a credit card, address, and phone number, that did not belong to me. I called XXXX Bank back to report the fraud, and they told me no accounts were open with my Social Security Number, but were able to close the fraudulent account. I have now began the notification process to repair my credit report.

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 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts in my name. I have received harassing and threatening telephone calls and death threats from various creditors representatives. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I went in search of a new vehicle. I went to 4 dealerships filled o out application, then after 30 days of research purchased a newwcv vehicle. All 3 credit bureaus are reporting 12-14 hard inquirys to my my credit. Did n't authorize. The length of credit acquired is not v valid. I have a mortgage with XXXX since 2005. All 3 bureaus need to reflect this.

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