BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I just seen that someone tryed to open a credit card at XXXX in my maiden name and married name.I do have a alert i think on my credit report i am trying to rebuild my credit.I had lost my purse about 7 mos ago with all my pesonal info in my wallet.Hope you can help becouse this is brong my credit score down every time this happens Thank You very much XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TRANSUNION IS REPORTING A VACATED JUDGEMENT ON MY CREDIT REPORT PLEASE REMOVE THIS ASAP.ENCLOSED IS THE COURT RECORD SIGNED BY THE JUDGE TO VACATE IT.

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 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Transunion is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late XXXX 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Transunion did not update and correct the report. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Transunion delete the XXXX XXXX payment information, altogether, in a written requested dated today, 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 non-monetary relief
Consumer complaint received 2016-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Upon reviewing my Transunion credit report ( XXXX ), I discovered an obsolete account ( creditor name, Navient, account numbers XXXX, dates opened, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX XXXX, XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.

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 2016-03-11
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I called my branch bank in, XXXX, NC XXXX, to make a stop payment on the business called XXXX and the amount of {$330.00}. I was charged {$36.00} for the stop payment and the the business still removed {$330.00}. Now I am being charged {$36.00} for over draft! I had to give the information three times and still she did n't stop the withdrawal. 
.

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 2015-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion Credit Reporting Agency has received from XXXX XXXX XXXX XXXX on my XXXX XXXX XXXX was submitted paid-off XXXX of 2015, my account number for this Vehicle Loan, loan number XXXX .... XXXX XXXX XXXX XXXX has reported this Vehicle loan paid off for several months, but Transunion 's efforts of attempting to compromise and prejudice my CREDIT SCORE as an XXXX XXXX XXXX Consumer, Retiree, Author, Activist, Advocate, XXXX Veteran, " Fighter for Justice for XXXX XXXX ''! As an Federal Agency, would CFPB instruct Transunion in showing my loan number XXXX .... with XXXX XXXX XXXX XXXX as PAID-OFF. Also inform Transunion of my goal of making them pay for continuous Races and Discriminatory Practices against my XXXX credit file in Federal District court in XXXX , GA as soon as the VA release my Retroactive entitlements citing nearly a XXXX dollars. Lastly, Transunion if you want to play, let 's play, but at the end, liabilities will be resolve, {$10000000.00} for XXXX with my Credit Report, DO YOU GET IT! Again the balance of {$26000.00} auto loan with XXXX XXXX XXXX XXXX was PAID-OFF XXXX of XXXX 2015 and reported by XXXX XXXX XXXX XXXX as Transunion is very much aware. I spoke with XXXX, and XXXX with XXXX XXXX XXXX XXXX in their reporting department statement is that they 've reported this vehicle as XXXX being paid off in there XXXX 's transmission to the XXXX bureaus. TRANSUNION I 'M GOING TO SUE YOU XXXX. Stop with the RACISM! Leave my credit file along, I 'll show you folks, ( TRANSUNION ) in Federal court, I see what you XXXX folks are attempting, and notice I said attempting. CFPB, thanks for going after these crooks TRANSUNION. I WILL KEEP FIGHTING FOR JUSTICE FOR XXXX XXXX AS CONSUMERS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was sued for XXXX and appealed it. We went before another Judge and she set the plaintiff 's award at XXXX which was paid at the clerk of court in XXXX county N. C. on the date that it was to be paid. I called the clerk of court after seeing that there is no record of me paying it and she told me they did not report the judgements in any way. I am confused and would like to know who did and why they have not shown that it was paid. I want it removed. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The accounts XXXX and XXXX ( ANY AND ALL BANK XXXX XXXX ACCOUNTS ON THE CREDIT PROFILE ) are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Bank XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit XXXX Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Bank XXXX XXXX is gaming the system to punish me for beating them in the courts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I wrote to AD ASTRA RECOVERY SERVICE about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation that this was my account I never owed them. They sent me paperwork stating that I was the borrower of. However, they violated the Fair Credit Reporting Act, Section623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I then sent a second letter stating the following above I have not received a response, but they have marked this account as disputed on my credit report after the required 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have sent a letter to Transunion for them to take the bankruptcy off my credit report. I have sent them a letter from the bankruptcy office stating that they do not report to the credit bureau and its has not been validated. They are putting false information on my credit report. I also need the inquiry XXXX off my report this is false.

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 2016-10-10
Company: ALLY FINANCIAL INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX, I bought a XXXX Toyota Camry with VIN XXXX FROM XXXX XXXX that Ally financed. Initially, I made a {$3500.00} down payment and the balance was {$13000.00}. 
My payment records show that I have paid a total of {$5400.00} between XX/XX/XXXX and XX/XX/XXXX. This will bring my balance ( before interest deductions ) to {$7600.00} ; however, my actual account balance at Ally ( excluding interest ) stands at {$9700.00}. What this goes to show is that I have paid a total of {$2000.00} in interest ( according to Ally my APR is 10.75 ), charges and hidden fees. 
I believe that Ally has either charged me excessive interest or levied hidden fees on my account. This is evident in the consistent late charges that Ally imposed on me even though I have paid my monthly payments ( with the exception of 3 occasions when I defaulted ) on the due date or within the 7-day grace period. 
I have documentary evidence to show that all the bank payments posted within XXXX business days, yet Ally charged me late fees. Below are some of the late fees and dates : XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$32.00} XX/XX/XXXX XXXX XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$40.00} Earlier this year and in the last two months, I have disputed these charges in letters I wrote to Ally. In my letters, I also requested a full explanation or clarifications of all my charges or a full refund ; even before I received a letter from Ally that I am eligible to " receive a credit ( {$200.00} ) as part of their legal settlement for discriminating in auto financing. 
I am not satisfied with the explanations that XXXX XXXX, the bank 's Executive Customer Relations provided ; hence my complaint.

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 2017-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
It stated I took out a credit card I did n't and a car loan I do n't have a driving license

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 2017-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, My name is XXXX. My address is : XXXX, RI XXXX.My date of birth is : XXXX.My social security number is : XXXX 0n XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX '. I told them if their financial institution which is " XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which were not authorized ( TransUnion ) are 1.XXXX - XX/XX/XXXX 2.XXXX -XX/XX/XXXX 3.XXXX -XX/XX/XXXX 4.XXXX -XX/XX/XXXX 5.XXXX -XX/XX/XXXX ) I did not give permission to run my credit from all those instititions and banks except " XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your 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 2023-02-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I attempted to withdraw {$18000.00} from my Wells Fargo checking account to purchase my vehicle. Brach info : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, Telephone number XXXX, Fax : XXXX. To sum the story up, I waited over 2 hours for the the service XXXX XXXX XXXX to tell me that she was unable to release the funds because she could not reach the employer who issued the check that I deposited. I asked her when would I be able to withdraw the funds. Her response was, " I don't know. '' I contacted Wells Fargo customer service. I explained the issue to the representative and she was not sure why I couldn't withdraw the funds. She stated that every branch has their own rules. The representative advised trying another Wells Fargo branch. I then went to Wells Fargo, branch # XXXX XXXX. I was able to withdraw the {$18000.00} to purchase my vehicle in less thank 15 minutes. The service manager as this locating did not understand why the other branch would not issue the funds.

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 2016-04-06
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from CHOICE RECOVERY Account # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Sortis Financial, Inc.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a Home Equity loan serviced by Clear Spring Loan Services. I filed a complaint with the Alabama Dept of Banking because the Loan Servicing company was not accurately applying my payments to the loan nor accurately accounting for my funds. I also filed a complaint with the Consumer Financial Protection Bureau and was assigned case number XXXX in XXXX, 2014. I was advised that the Servicing Company, Clear Spring Loan Services had responded to my complaint ; but I never received the response. 
I have had XXXX several times and was restricted by physicians from pursuing this matter until now due to the health issues that were being caused by XXXX from this matter. 
As a result of my complaints, Clear Spring Loan Services transferred my mortgage to another company without refunding any of my funds that were never applied to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Solomon and Solomon, P.C.
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 is not mine

Complaint:
In XXXX of 2012 me and my husband moved to XXXX. We vacated our house in XXXX which was in foreclosure and still is. The banks were informed we were leaving and they took over care of the property. Now a law firm in XXXX has placed derogatory information on all credit reports for a utility bill after we left. It is possible that a squatter is there but I have no knowledge. I sent them an initial letter requesting verification of this debt. They sent me a copy of a bill after I left XXXX. Additionally they are not licensed to do credit collections in XXXX even though they claimed they are. I also could not find them in the XXXX Bar site. I have also sent out a second certified letter with proof of residency in 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 2016-05-11
Company: 2288984 Ontario Inc.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am experiencing a hardship after being a victim of fraud in XX/XX/XXXX. In efforts to protect myself I made a police report in XX/XX/XXXX as soon as I found out about the fraud. I also contacted my creditors about the fraud committed against me and would no longer be able to pay my debts. I wrote them Hardship letters explaining my situation and asked please not to contact me. I am currently living off my Social Security benefits and it is the only source of income I have. Currently the phone calls have not stopped. I received anywhere from 15-20 calls a day and also they leave voicemails. I have explained to them over the phone I do not have money left over after my expenses are paid off. I am reaching out to you concerning the debt collectors practices. I am currently working with a financial counselor assisting me in getting my finances in order, however it is taking me some time to get back on my feet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-24
Company: Central States Recovery, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am XXXX every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-23
Company: Young America Holdings, LLC
State: NV
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
A company by the name of Young America, a facilitator of rewards cards for XXXX has refused to honor the {$100.00} reward card owed me since XXXX XXXX. After numerous calls, they refuse to activate and give me the {$100.00} gift card that was part of my XXXX 12-month contract deal. Young America 's address is XXXX, MN XXXX. PHONE : XXXX Managers : XXXX, and XXXX. My XXXX account number is XXXX. My name and address is XXXX XXXX, XXXX, NV XXXX. XXXX, XXXX ( CELL ). 

I believe that Young America is committing fraud. They refuse to activate the card for 4 months and they keep giving me the runaround. At one point, 2 weeks ago they asked me to wait 5 weeks which is a total of 5 months for a card that had to be send in 4-6 weeks.

Company response to consumer: Closed with explanation