BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have written a few times and the bureaus just are n't doing anything for me and I am pretty certain that they are violating the FCRA by not correcting the items that I am disputing. They are reporting a bankruptcy on my file, and yet the accounts that are part of that bankruptcy still have " included in bankruptcy '' which is not supposed to be there. I have repeatedly notified them of this and they failed to remove it. They also did not provide any documentation whatsoever verifying anything.

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 2015-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transunion intentionally and knowingly reports different credit scores to lenders than consumers. 
Transunion has reported to me on XXXX different credit monitoring services credit scores that are XXXX point HIGHER than they reported to merchants when I recent applied for credit. 
This DUAL reporting system Transunion & other credit companies use causes consumers more money due to high rate loans and refuses for credit. I have been harm by several refusals for credit over the past XXXX days AND HIGHER interest rates for loans due to this FALSE reporting by Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had an account with XXXX that I paid a settlement amount for. The agreement was that the status on my credit report would be updated to be deleted or updated to paid so it 's no longer derogatory on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was fraudulently open using my information with XXXX & XXXX years ago. Police reports was filed and eventually got XXXX XXXX XXXX and the collection company they hired to removed the collection. Now I see again another collection company has attached this debt to my credit report. This is like the 3rd time Im having to fight to get this collection removed. How many times must I provided documentations and file complaints against XXXX XXXX XXXX to removed this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received notice that discover closed my credit card account due to inactivity. I have a XXXX balance on this credit card account and have since XX/XX/XXXX. On XX/XX/XXXX I called discover requesting that my account not be closed as it would be very detrimental to my credit report. The denied me this option and requested that I open a new account. I believe I have 30 days from the date of closure to request it stay open, especially considering I have no balance on that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
still waiting for experian to fix credit report and also put my XXXX score back over XXXX where it was before case # XXXX was started all XXXX scores want back to over XXXX where they were before this all started

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 2016-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the XXXX Court ( but no documentation to support that ) and if I had questions to contact the XXXX Court at the address listed on my Credit Report. I sent a letter to the XXXX Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am disturbed that you continue to list the voluntary dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the FCRA ( Fair Credit Reporting Act ) mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. In the case of the voluntary dismissed bankruptcy in my file, it was never adjudicated or relieved and therefore must be removed.

Company public response: Company 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: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX/XXXX/2015 XXXX / XXXX Hard Inquiry not has been deleted my credit file 60 days already passed

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 2017-01-26
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have tried numerous times at the request of my co-signers asking Navient release my co-signers from my loans. I have never missed a payment, even though some of my loans are disqualified from an interest rate reduction for no reason. I did not finish my course of completion, but I was told in the beginning as long as I had a consistent payment history I would qualify, but that again was misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2016-10-04
Company: ALLY FINANCIAL INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Reference Account Number : XXXX XXXX XXXX I got behind on my car payment ; Ally Customer Service Agent XXXX XXXX ( ex XXXX ) told me the amount to be paid {$880.00} to stop the repossession. XXXX XXXX told me to make the following payments via XXXX XXXX : XXXX XXXX, XXXX {$800.00} paid via XXXX XXXX XXXX XXXX, XXXX {$340.00} ACH from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$88.00} ACH from XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I was leaving for work a man in a XXXX car was outside my house taking pictures of my car. I thought that was strange so I checked Ally 's app, it indicated I still owed the {$800.00} and the additional payments were canceled but withdrawn from my account. This is not the first time Ally has misapplied payment and/or told me I owed but had already made payments. From the start of this car loan I 've made bi-weekly payments of {$170.00}, Ally continues to call multiple times a day prior to the second payment being made. I 've asked them to put notes on my file indicating the by-weekly payment, but to date they have not done so. Now they are saying that I owe {$920.00}.

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 explanation
Consumer complaint received 2016-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
had requested Transunion to investigate a credit inquiry for XXXX card dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX card. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should 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 explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Monthly payments of {$100.00} do not get posted every time. Maybe 3 of 6 are not posted. 
And, when the payment is posted as the XXXX it is shown as {$11.00} to principal and {$88.00} to interest. Other months the principal and interest amounts are all over the place. 
HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am having difficulty trying to file for a credit card or to receive a credit card due to that I have a XXXX brother with the same last name and same first but our middle names are different. our social security numbers are different by XXXX digit cause we were born XXXX as XXXX. XXXX are XXXX individual people, not XXXX person. When trying to file for a credit card, the credit bureau 's see XXXX different social security numbers but when they see the same first and last name, everything is refered back to XXXX person and only being XXXX person since having the same names but the system ca n't detect a XXXX digit difference in social security numbers. The United States XXXX can Identify XXXX separate human beings with XXXX different social security numbers and see the complete name, first, middle and last, they do n't see only first and last name. This problem has been going on for the last 7 years and yet to this day credit bureau 's have not identified or tried to prevent these kind of situations believing that XXXX people with the same fist and last name but XXXX digit difference in social security is still only XXXX person. Were both veterans, we have XXXX different XXXX discharge papers, both identifying both of us as XXXX different people. I hope that the system is n't discriminating towards Hispanics that have identical names but yet XXXX different social security numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've disputed 5 times already with TransUnion and 5 times I have received nothing but a piece of paper telling me that these types of accounts stay on for 7-10 years. I have proven each time that this information is not correct and I do n't understand how they can keep this inaccurate information on here. I have not hired a lawyer and have also gotten the attorney general of CA involved. I have the actual petition in front of me why states the accurate information which does NOT reflect the information on my credit report. 

This is my dispute from my letter and you will also find the public records page from my credit report and my letter attached : Us bankruptcy XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct US BANKRUPTCY COURT is not listed completely : you MUST list the city and the state for this to be accurate which means that you do n't even know where this is out of! 
There 's no liability amount listed You have no liability amount You have no plaintiff listed

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 2015-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have items on my credit report that exceed the 7 year mark and need to be removed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I live on XXXX, XXXX ( XXXX County ) and have banked with Wells Fargo Bank. I resolved a lawsuit in XXXX County, XXXX involving attorney fees ( involving a dispute over real estate in XXXX ) by agreeing to a Consent Judgment. It was my understanding that the creditor/attorney would have a lien on my interest in the realty that would be sold down there in several months. Nonetheless, the creditor/attorney immediately obtained a Writ of Garnishment from the XXXX court and levied my bank account with Wells Fargo Bank even though I live and work in XXXX. I was under the impression that the foreign judgment had to be " domesticated '' or transferred to XXXX before Wells Fargo could freeze my account. In any event, I believe Wells Fargo Bank is violating my rights by honoring the foreign levy of my bank account that has approximately {$3700.00} and affording me my exemption rights under XXXX law. As of this writing, I have not yet received any legal papers regarding the garnishment.

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 2021-09-01
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have several consumer loans I am making payments on that Equifax refuses to report. According to the FCRA, if a consumer report is inaccurate or incomplete, it must be corrected and made complete. I have reached out to Equifax on several occasions, to no avail. My inaccurate consumer report is credit score is tarnishing my personal reputation and causing me mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle from XXXX XXXX in XXXX. The dealership facilitating the financing with Wells Fargo Dealer Services. I have made several requests for the Credit Score Disclosure to be provided to me, to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
the creditor is reporting the account delinquent since 2009 which would have already get the account deleted however experian keeps it on the record by deleting the original delinquency dates.

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 2016-11-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage serviced by Wells Fargo Home Mortgage after being forced out of my home by an XXXX. I moved back into my home last year only to be very surprised my partner had not paid the mortgage. In order to correct this issue, I hired an attorney to help me apply for a loan modification. I was approved by Wells Fargo Home Mortgage in XXXX 2016 for a trial and new payment of {$520.00}. I was then asked by Wells Fargo Home Mortgage to supply information to clear my title of " recorded liens '' on or about XXXX 2016. Wells Fargo Home Mortgage provided my attorney with a preliminary title report from XXXX XXXX XXXX XXXX. My attorney has a very experienced staff that recognized the liens that Wells Fargo Home Mortgage were asking to be cleared from the title were NOT recorded and were only showing up on the preliminary title report as a possible lien. My attorney obtained lien releases directly from the XXXX County Office of the District Attorney showing the liens on my preliminary title report were in fact released and/or not the correct individual. My attorney forwarded these " lien releases '' to Wells Fargo Home Mortgage and Wells Fargo Home Mortgage has refused to accept them. My attorney then contacted XXXX XXXX XXXX to find out why the lien releases were not accepted and XXXX XXXX XXXX said Wells Fargo Home Mortgage has NEVER forwarded those lien release letters to them. Per my attorney who spoke with XXXX XXXX at XXXX XXXX XXXX, XXXX says the liens in question are NOT recorded and might be able to be released with just a lien release letter. However, Wells Fargo Home Mortgage has to be the one to forward the letters ( Attached ) to XXXX XXXX XXXX XXXX in order for them to consider removing the liens from the report. My attorney explained to me that their office has been trying to explain the situation to WFHM now for two months and we believe the problem comes from WFHM inability to accept anything except what was originally " Wrongfully '' requested by their underwriting. Which is a " recorded lien release ''. This is all part of Wells Fargo 's FRAUD they commit when dealing with people. They manipulate, block and evade correcting a situation that they can solely to impede and prevent people from getting assistance. I am told this is illegal and fraudulent to evade assisting a home owner who has requested assistance. Wells Fargo 's blatant disregard to even look at the situation is evidence of their MASSIVE FRAUD they keep doing to their account holders.

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 2016-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
to whom it may concern : I got a line of credit loan from Wells Fargo. I was paying prime plus XXXX for several years. All of a sudden the jumped up to prime plus 8 % for no reason. I need help with this. I do not feel this is fair. I called to see if they disclosed to me the min and max amount. They said they do not provide anything in writing. They only do this verbally. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief