BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I spent most of last year building my credit in preparation for a home purchase. In XXXX or XXXX I called Transunion to find out why they had not mailed my score to me yet. They told me my score on the phone, reported it as XXXX ( I later received written notice that the score was XXXX ). I called the bank and told the mortgage counselor my score and they advised me to have my credit run for a mortgage. The bank ran my score and told me it was a XXXX. I asked them to remove the inquiry because I relied on false information given to me by Transunion. The bank refused. Transunion refused to help me in that request.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The Health Insurance Portability and Accountability Act of 1996 governs health insurance ( HIPAA ). I retain the right to prevent any third party reporting agencies from accessing the privacy of my personal data and medical records. With this letter, I seek confirmation of the information provided, along with full documentation that includes all the data you allegedly obtained from the service provider of the debt. FCRA ( Fair Credit Reporting Act ) violations include continuing to disclose this medical debt without properly verifying it and giving me evidence that I have permission to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX  XXXX Balance {$140.00} XXXX XXXX  ( MEDICAL ) XXXX Balance {$140.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I am a victim of fraud as of XX/XX/XXXX. Needed to contact Transunion to 'freeze ' my credit and went to their website where they asked for my social security number. The page had https canceled out so the site was n't secure. Went back today and the url had https until I refreshed a few times and then it went back to http. Looks like they have a server that is insecure which is jokable since this is a site to report fraud. Once you are on the insecure server you can not get back onto a secure one. 

example : XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: DISCOVER BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX I made a purchase through XXXX for an item offered by XXXX XXXX The item arrived damaged. I discovered the item after it was delivered, noted and documented the damage. I contacted XXXX requesting a return shipping label. XXXX responded, saying they do not solve third party transactions, but forwarded my complaint to the seller. However, I received email confirmation of the delivery from XXXX. At the bottom of that email, is a discloser that says XXXX handles all disputes with orders through XXXX or XXXX XXXX transactions. XXXX said via email, that the seller would contact me. In the meantime, I contacted XXXX requesting a return shipping label for the damaged item. XXXX responded after a few days with tracking number XXXX, and a XXXX XXXX arrived and took the damaged original package containing the item. I received no further communication from XXXX, and no contact ever, from the seller, XXXX XXXX. In their response to Discover, XXXX alleges that I failed to contact XXXX. Their email correspondence with me, clearly makes that statement false. I disputed the transaction through Discover, who posted a temporary credit. I uploaded evidence of the item being return to the seller, with tracking number XXXX. The seller signed a receipt for the returned item on XXXX. Some XXXX months later, Discover notified me they had received information from the seller, who contested my dispute. Discover determined the charge to be valid, based upon the response from the seller and from XXXX. Disregarding that the item was received damaged and was returned. I have again disputed this transaction, complaining of the seller 's and XXXX 's false information in their response to Discover, and their fraudulent actions. Considering the item was damaged, the seller could collect for the damaged item, with a claim through XXXX. Instead the seller is attempting to fraudulently maintain a charge for a returned item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I got a copy of my credit report and i seen alot of inquiries i do not recognize, authorize or consent to. I don't know how they got there and i would like for them to be removed immediately please. 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 2017-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
As outlined in the letter I received XXXX XXXX, 2016, from the XXXX the negative trade lines were to have been removed as requested by the reporting agency. They have ignored the letter. 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 2022-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: LA
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 Crefit Reporting Act XXXX the accounts listed below 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Crefit Reporting Act Convergent the accounts listed below 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. 

XXXX XXXX XXXX Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : XXXX XXXX Balance on XXXX XXXX {$30000.00} Loan Amount : {$21000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : Utility Balance on XXXX XXXX, XXXX {$610.00} Loan Amount : {$610.00} Charge off XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX Collection Opened : XX/XX/XXXX Account Info : Disputed by consumer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXXccount # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX {$940.00} Balance Updated XXXX XXXX Collection Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : Dispute resolved-Consumer disagrees {$1300.00} Balance Updated XXXX XXXX Collection Opened : Feb 18,2020 150 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Account # XXXX NO BUSINESS INFORMATION IS ON CREDIT REPORT Account Type : Collection Account Balance : {$95.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from Transunion, XXXX and XXXX is that the accounts were verified and are correct. This is untrue as I have letters from the State of Maryland stating that the debts are satisfied and has been for over one year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my credit.

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 2016-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Creditor is reporting incorrect information, XXXX XXXX XXXX XXXX and incorrect information is showing on my transunion account. This is showing negative collection activity on my credit as well as my score. The car was paid off in full in XXXX, and i am no longer as well the holder of this vehicle. My account status is showing purchased by another lender, and their is no lender because the account is closed and paid in full, which is what should be reflected in the comments/status of this 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 2015-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting my XXXX XXXX XXXX Account ( XXXX ) 30 days late for cars purchased in XXXX ( XXXX XXXX ) and in XXXX ( XXXX XXXX ). 
In XXXX, the XXXX XXXX was paid in full by the credit union and the payment was not late. 
In XXXX, the XXXX XXXX was paid within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a safe checking account with Bank of America about three years ago. The reason I opened this account was so I could never over draw my checking account. 

I was living in a hotel for a few months last year. I was charged several times for charges that were not authorized and in fact were suppose to be credited to my account. Bank of America Allowed these charges to go through when I didnt have money in my checking account. When they never allowed charges to ever go through before. These charges were placed on 2 different occasions a and I submitted a claim with Bank of America. They paid 3 of out of the 6. 

This has caused so many problems for me I no longer have a checking account cause it was closed due to my account being over drawn XXXX dollars I feel like I was taken advantage of and Bank of America refuses to help 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 monetary relief
Consumer complaint received 2016-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 
i already fix the problem with the irs and i have the documents to prove it. 

Enclosure : Form XXXX A I TRY TO FIX THIS MISTAKE FROM 2013 TAKE THIS OUT OF MY CREDIT REPORT ( NOT MINE UNDERSTAND ) CHECK THE ATTACHMENT ( Enclosure : Form 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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Box 1 : XXXX XXXX Department : Remove fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2017-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion is at it again! Since my last complaint I just filed a short time ago they have now posted a totally false collection from some company I 've never heard of before! 
XXXX XXXX {$1000.00} {$0.00} XXXX account reported on XX/XX/2017 XXXX accounts reported on XX/XX/2017 Open Account # XXXX {$1000.00} Balance XXXX XXXX MIXED CC Original Creditor {$1000.00} High Balance XX/XX/2017 Opened Date XX/XX/2017 Last Reported Individual Responsibility Placed for collection Remarks Note This is fake! I feel TransUnion is deliberately trying to ruin my credit! They should be put out of business! This whole situation with TransUnion is getting very old.

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 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the XXXX. I attended the financial briefing in XXXX from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites. 

Additionally, I am experiencing difficulty obtaining my Free FICO score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been the victim of on going ID theft and have sent documents and a police report to Transunion asking for the following fraud info to be blocked and or removed. 
1.XXXX Credit Card XX/XX/2016 XXXX Credit Card XX/XX/2016 XXXX Credit Card XX/XX/2016 As to date Transunion has not corrected this problem .

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 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion deleted all of my inquiries off of my credit report and then replaced them a few days later without written notification as required by FRCA Section 611. I have diligently been trying to have this matter rectified but to no avail. This is drastically affecting my financial status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an auto loan with ally financial and I an 40 days passed due. Primarily spoke to them and we set up when I would pay.. days after that they have called me 30+ times in two days with no voice mail..

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 2015-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have previously disputed Bankruptcy and XXXX other judgement on credit report and it has always come back frivolous I am now filing an official complaint through FCRA act XXXX to have them permanently deleted!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Ive reached out to Bank of America at their only available email address XXXX and they direct me to Please call our customer service number at XXXX XXXX XXXX XXXX XXXX but when you call, after being left on hold, a recorded message plays saying, due to the high number of calls we cant take your call right now. Good bye. And hangs up on me. I have contacted XXXX as well and received no response whatsoever. Two payments have been posted already to which I have no access since I never received a XXXX bank of america debit card.

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