BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-01
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
countiue to report fraud accounts disputed with creditor back in XXXX thru XXXX from XXXX # XXXX {$4500.00} and Civil judgement XXXX {$4500.00} from XXXX XXXX # XXXX this was result of fraud neglected by XXXX to resolve and these needs to removed from credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They took off the collection account because they discovered it was n't mine and now XXXX of them are added on of the same thing that was disputed and removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: ALLY FINANCIAL INC.
State: CO
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I set up a new bank account with Ally Bank on XX/XX/2016. On XX/XX/XXXX, they authorized my old bank account at XXXX to transfer all of my funds into my new account with Ally, and did so. On XX/XX/XXXX, I tried to log in and access my new account and was told that my account was locked, and that I should contact the fraud department. 

After calling Ally 's fraud department, I was told that my account would remain locked until I provided them with three more pieces of identification, including a Utility Bill with my name and current address, the front and back of my driver 's license, and the front and back of my Social Security card. I was not given a specific reason for this request, but was instead informed that this was a routine part of the process of setting up a new account. At no point during the process of setting up the account or transferring my life savings into it was I informed that this information would be required. 

I informed them that I do not currently have a copy of my Social Security card, and asked them what else they could do. They said that was necessary to set up my account, so I asked them to cancel it, at which point they asked me to just send the pictures of the utility bill and driver 's license, which I did later that day. 

It has now been a week and I still have not heard anything from Ally Bank, and my account is still locked, preventing me from accessing any of my money. I have called them twice, today and yesterday, and still have received no further information on why my account was locked, or what I can do to remedy the situation.

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 2022-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached and FTC report with an account and inquiries I did not authorize, Please update my personal information and delete the others

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Opened an account with XXXX in XX/XX/XXXX -- they back dated this account to my member service date of XX/XX/XXXX -- this account has been reporting an opening date of XX/XX/XXXX for the past XXXX years -- just recently for no explained reason trans union reported closing this account dated XX/XX/XXXX and opening a new account dated XX/XX/XXXX -- same account! This dropped my credit score XXXX points -- called XXXX and they said it should reflect an opening date of XX/XX/XXXX -- they said i needed to dispute with trans union.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address two issues that should be updated and corrected per the information contained in the XXXX letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off in XXXX of 2012. There should be no other charge off information noted to the account other than 2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( 2012 ). It would appear that this has had a direct impact on my reduced XXXX scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off in 2012 and not recently as well as {$0.00} balance owed ). Thanks

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 2016-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal TransUnion credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!

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 2016-08-31
Company: NELSON AND KENNARD
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle from XXXX XXXX company XX/XX/XXXX. The real estate market crashed XX/XX/XXXX and became increasely worse XX/XX/XXXX until present. I could no longer make payments and gave the truck to someone else in order for payments to continue to be made. Unfortunately that did n't work. 

XXXX did a charged off. An attorney Nelson & Kennard are collection attorneys. They put a lien against my house XX/XX/XXXX and are asking for {$32000.00}. 
The debt owed to XXXX according to Nelson & Kennard is XXXX. 
Can this debt be collected twice? first by charge off and ford 's insurance, then by a company who bought the debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: MI
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affi attatched. Im trying to build my financial stability up while providing during Covid

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 2016-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX Transunion shows XXXX flagged account " Unrated or Bankruptcy ''. 
Have {$0.00} Balance and No Account Records Available. 
Contacted XXXX/XXXX/2016 WHEN NOTIFIED BY MYIDcare. Called XXXX XXXX ( XXXX ) She could find no records and said " I would have to file a complaint with the Credit Bureau to have the submission removed ''. 
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 2016-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Trans union has closed my file before I am me and XXXX here we go again. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number 3 The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX XXXX XXXX this company is being reporting illegally on my credit and this company has been reported to the HHSS. GOV because of hippia violations and they are now involved in that 4 they are also reporting XXXX and they agreed to be removed through this web site

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 2016-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing incorrect information on my transunion credit report for months now. I just checked my credit score and it went down again. I keeping submitting substantial confirmed information from XXXX stating that my XXXX and XXXX are current and never late. These XXXX accounts are reporting with a degratory remark which was suppose to be removed. These XXXX accounts should be reporting as accounts in good standing. right now they are reporting as potentially negative. This information is incorrect and I am constantly calling transunion and sending in these letters from commenity bank that this information is to be corrected. Transunion keeps telling me it 's under investigation then I am told it is reporting correctly. This information is wrong. Again my XXXX and XXXX should be listed as accounts that are satisfactory. I am being pressed to seek legal action against transunion as this incorrect information is affecting me in obtaining credit. I have spent hours upon hours sending these letters calling transunion and nothing is changing but my score going down.

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 2015-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have sent transunion proof of my name change and they have not changed it in their records. My name is XXXX XXXX XXXX and they still have me as XXXX XXXX. The XXXX purchased what I thought was supposed to be a membership for {$21.00} and instead they claim I only purchased a 1 time credit report and score when the membership is only XXXX per month. So after buying this one time credit report and score and seeing my name is not correct, I called them and told them my name was different as I have several times before. The representative did not help me with changing my name so I asked him why my credit score changed and he gave me several invalid reasons that did not pertain to anything on my credit history or with my credit situation. My credit score went from a XXXX last month to a XXXX this month with changes to my report or loan payments and no explanation. Transunion representative behave as though they do not care about the consumer and make decisions towards consumers without reason and it affects them negatively. I 'm not understanding how a company that consist of what seems like all foreign people are allowed to make decisions about consumers in a different country.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My Name is XXXX XXXX ... I am reaching out because Transunion has Failed to remove multiple accounts that are in Litigation due to Identity Theft.. These accounts are not only fraud related but they have multiple reporting violations, and based on laws stated in the FCRA I AM ABLE TO SUE AND BE AWARDED COMPENSATION FOR THEM DAMAGING MY CHARACTER AND MY ABILITY TO BORROW. THESE FALSE ACCOUNTS HAVE HURT ME AND MY FAMILY IN OUR TIME OF NEED DUE TO THE ON GOING PANDEMIC

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 2016-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries 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 2016-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX has an authorized inquiry for XX/XX/2016. There was already an inquiry on XX/XX/2016 from XXXX. This a duplicate unauthorized inquiry.

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 2016-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a state tax lien from Georgia that was paid and withdrawn in 2008 but XXXX and Transunion WILL NOT remove it from my credit file and it is showing as a derogatory public information. I have sent them court evidence from Georgia stating that the lien was withdrawn. It has impacted my financial security and stability for the past 3 years and I am of limited means and this is very frustrating. I am asking XXXX and TransUnion to please remove this incorrect information from my credit file.

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 2015-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX BANK WAS PAIN IN FULL NEVER LATE CLOSED BY USER. I CALLED BOU THIS AD WAS TOLD IT WOULD BE UPDATED- IT NEVER WAS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2022 submitted a dispute letter to Experian by way of priority mail. Acceptance Cutoff XX/XX/2022 XXXX XXXX  Acceptance Time No Data Expected Date XX/XX/2022 XXXX XXXX  Delivery Status Delivered, Left with Individual<br/> Details Account Number XXXX Return Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Delivery Address EXPERIAN XXXX DISPUTES XXXX XXXX XXXX XXXX, TX XXXX XXXX Ship Date : XX/XX/2022 From : XXXX Service Type Priority Mail Flat Rate Envelope Experian has never acknowledged my dispute or investigated within the 30 days are required by law. It has been almost 2 months now with no response. I also sent an email and telephoned and a representative would not help me with unauthorized inquiries. My personal information is also wrong. It shows it was delivered to them Tracking Number : XXXX Copy Add to Informed Delivery Latest Update Your item was delivered to an individual at the address at XXXX XXXX  on XX/XX/2022 in XXXX, TX XXXX. 

Get More Out of USPS Tracking : USPS Tracking Plus Delivered Delivered, Left with Individual XXXX, TX XXXX XX/XX/2022, XXXX XXXX  I want the requested information removed immediately. This is stopping me from getting necessary credit needed. I got an email from XXXX XXXX on XX/XX/2022 but he said I needed to call again? Why should I have to keep calling to get resolution. I want this resolved immediately and the incorrect items removed according to my letter and those fraud inquires removed. 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 2016-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to* promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2016-07-01
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:
THE REASON FOR MY COMPLAINT AGAINST TRAN UNION STEMS FROM TRANS UNION FAILURE XXXX INVESTIGATE XXXX FRAUDULENT INFO THEY PLACED ON MY CREDIT REPORT.XXXX HAS FALSIFIED MY CREDIT REPORT BY CLAIMING MY XXXX IS IN COLLECTION XXXX HAS NO DEBT COLLECTION LICENSE FROM DCA SO THEY ARE BREAKING THE LAW.IN ORDER 2 DEBT COLLECT IN XXXX YOU MUST HAS A 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 2016-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX has reported to the credit bureaus I was late 120-180 days mortgage payments for each month in XXXX XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact TransUnion, XXXX, and XXXX to mitigate the negative situation. Numerous attempts with XXXX failed to achieve any resolution. Will never do business with them again.

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