BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Transunion has fail to provide accurate and timely response of negative unverifiable information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed a collection account with Transunion, the account is from XXXX, XXXX, XXXX XXXX XXXX XXXX. Transunion verified the information, but has failed to respond to my request for their method of verification as the information is not correct. In addition, the account is being reported as open with a balance, but the attached screenshot shows it was closed in XXXX 2013. In addition, it states the original creditor is " XXXX XXXX XXXX XXXX '', but I contacted them and they said I do n't have a balance with them. I do n't see how they could have verified this information was correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No clue what this is and suddenly started getting dings from all the credit monitoring companies I pay for. This is not mine. I looked in my old emails and have not had a loan from this company in over 8 years. Not my debt Deb Recovery Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I recently got laid off from my job. 
I went online to get information to file for my unemployment benefits with California XXXX. 
On XXXX the first link had the California edd.gov so I clicked on what I thought was the right link. It had the XXXX screen so I began going through the process when a window popped up requesting I fill out a form for my credit report. I thought it a bit strange but that maybe this was a new process for unemployment! As I continued filling this information out and providing my bank information I realized that this was most certainly NOT correct so I closed out the screen and found the right link. 
Unbeknownst to me I signed up for a Transunion monthly report!! When I saw the fee debited against my bank account I called Transunion. They cancelled my subscription but refused to refund my {$19.00}. I want this company to refund me my money. They are preying on people by putting up a phony link to the XXXX! 
The date that I mistakenly signed up was XXXX/XXXX/2016 and the charge was taken out on XXXX/XXXX/2016, I do hope you can recover this for me as being unemployed every penny counts plus this is a consumer fraud. The link was intentionally put there to look like the official California XXXX link. Buyers beware ... ... .Very upsetting

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 2017-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX names that are not mine on 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have noticed many incorrect and unauthorized items appeared in my 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 2015-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I previously disputed and they removed, then listed again on XXXX and Trans-union a tax lien that was paid in full and forward proof of supporting documentation from the state of Georgia, that indicates i letter any credit company that haves this debt, listed on credit report must remove it. They refuse and give you a hard time even with over XXXX reports filed in two years. Also i have filed Chapter XXXX bankruptcy, the continue to add the debts listed in bankruptcy for discharged that they are open and listed in collections, and no included in my chapter XXXX bankruptcy. The creditors are listed in my court documentation, and some where foward over to collections agency but that debt is still listed for amount, and creditor. They ask for proof of Chapter XXXX Bankruptcy, I filed, and I forward this my email, and certified letter, they said that even though my creditors are listed, as for disharged that is not proof and that they can keep listing incorrect debt as in collections even though they are listed in my Chapter XXXX bankruptcy is should state on my credit report as ( included in XXXX. ) I tired of trying to get my credit file disputed, call forward the forms they want and they still refuse to update credit report. They even refuse to update my job I have been on for over 8 yrs.They say I do n't work there and I forward a XXXX, and pay stub with address. By me working for the government I must keep abreast and make sure the credit report have the correct information. But Trans-union and XXXX refuse to update their records

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Complete Credit Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not know I had this alleged debt. I was never notified or given a chance to dispute and request verification of this alleged debt. I contacted complete credit solution over 30 days ago and still have not received correspondence or verification of debt. I just have the information from my credit report. Please have them remove the debt from all credit report agencies and please send letter in reference to the removal please. 

Thank you 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 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transition is reporting a balance due to XXXX of {$4200.00} while no balance is due. I spoke with XXXX on XXXX/XXXX/16 and was told that they have reported to all credit agencies that no balance is due and recommended I file a complaint against Transunion as it is their error. Both XXXX are reporting no balance due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
My complaint is against the credit bureau Transunion. Several attempts have been made to all XXXX credit bureaus in an attempt to have a negative item removed. Transunion has failed to sign the receipt for certified mail, my letter has been returned to me by my local post office. I have sent them my request for Transunion to investigate my dispute by regular mail and have received no response. 
They have repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove my claim is true and accurate. Had Transunion seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX 's ( XXXX XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX XXXX XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
Transunion is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Transunion is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My vehicle was paid in full with Ally. I have been trying to remove Ally as a lien holder in the state of CA. CA has been unable to remove Ally as a lienholder because Ally has not provided a lien release. I made several requests for this document and even contacted the Executive 's department. I have been trying to make contact with someone for over 3 months. The latest person was an XXXX. I have called multiple customer service lines, spoke to several managers, and no one is sending my lien release. They even stated I needed to have XXXX make request for lien release. I had XXXX call to make request and I still did not receive a lien release. I can not register my vehicle in CA with a clean title, I can not sell my vehicle, I can not do anything with my vehicle because Ally refuses to provide a copy of lien release.

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 2016-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TRANSUNION HAS REPORTED A DEBT, XXXX, XXXX AND XXXX. THIS DEBT WAS RESOLVED BY MYSELF WITH THE GOV AGENCY XXXX DUE TO THE DAYCARE BEING OUT OF COMPLIANCE WITH BILLING PRACTICES. THIS DEBT WAS ALSO INCLUDED ON MY BANKRUPTCY AS IT WAS RESOLVED BUT HAS NOT BEEN REMOVED 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 explanation
Consumer complaint received 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
BofA mortgage officer XXXX XXXX ( XXXX XXXXXXXX ) requested permission to run a hard inquiry on my credit. I did not get my consent for this pull. They ran my credit anyways. This is a flagrant disregard for FCRA.

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

Complaint:
To whom it may concern, I had my credit account enrolled in automatic scheduled payments. The account was to be debited every month in the form of an ACH payment of {$100.00} from my financial intuition that I enrolled to pay the credit card bill. Both my financial institution and credit card that I was making payments towards were effected at the same time with fraud. I had XXXX accounts closed and then opened new accounts with each party. Because of this fraud on both accounts my auto pay program was then terminated from both sides. The company I pay my credit card bill to did not notify me of any changes in any manner, email, call, text, letter, etc.of this occurrence and to update my billing information. A few months later I 'm now left with a late payment on my credit card report and that is affecting me when I 'm currently trying to get a loan to buy my family our very first home. I 'm asking this manner be looked into and me be relieved of the XXXX late payments i now have on my account due to this fraudulent activity.

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 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This in a complaint against the credit bureau TRANSUNION, XXXX who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the XXXX that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired XXXX this situation 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 2015-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX PHONE NUMBER XXXX XXXX I IN XXXX SENT BACK THERE CELL PHONE TO XXXX, INDIANA THEY CHARGED ME WITH A 2 YEAR CONTRACTAND NO ONE HAS MY LAST EMPLOYER GENERAL DEVICES COMPANY FROM XXXX TO XXXX MY INCOME SOURCE IS XXXX XXXX SINCE XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed a dispute with Transunion disputing XXXX, XXXX, XXXX XXXX and XXXX XXXX and the information came back from Transunion as new information below. I sent a letter to XXXX and they stated that they no longer have the debt and Transunion continues to report that it is being verified. I sent letters asking how was it verified they were unable to provide with information pertaining how it was verified. XXXX does not belong to me but yet and still they continue to report inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I saw incorrect info on my credit report about two years ago and filed a complaint. I stated that the time I was supposed to have applied for a credit card, I was living XXXX, but if I had been sleepwalking ( or flying ) they should show me where I signed. They did not answer or take the info from my report. I filed another report after many months and again they did n't react, So, here I am again. I recently applied for dental financing and was turned down. They sent me Trans Union address to complain. I tried to call, but only recorded instructions. Please help me. Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Your options do not include the problem in this issue. This XXXX procedure was in mid XX/XX/XXXX. It became past due no later than XX/XX/XXXX. It was submitted to Account Resolution Services in XX/XX/XXXX. 

Federal law requires that this item can not remain on my credit files after XXXX years from the first delinquency prior to Charge off. That means the date of obsolescence on this debt would have been XX/XX/XXXX. 

I disputed this with XXXX, XXXX and XXXX XXXX accordingly. This means they sent this to the Account Resolution Services and they returned the dispute leaving it on my files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally The amount saying to be owed is {$3400.00} They are saying it is verified but where's my proof? What methods are you using to verify?

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 2023-03-29
Company: Lacy Katzen LLP
State: NY
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:
On behalf of my account please challenge the follow incorrect reporting tradeline I am requesting a full validation letter and prof of the original signed loan and reporting delinquent months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Other

Complaint:
My BBVA Compass XXXX XXXX has been frozen/blocked since XXXX XXXX. I have contacted their fraud dept. and was told it would take 24 to 48 hrs ( business days ) for someone to contact me so the account can be unblocked ; it is now XXXX XXXX and this has yet to occur. I am starting to believe this is a classic bait and switch because they are doing a promotion specifically for the XXXX Finals with the use of this card. I have contacted the security dept. XXXX times with all information clearly showing I am who I am and have been the only person using this card by confirming all of the purchases on this card to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a VA home loan that is in default with Carrington Mortgage Service. We applied for a deed in lieu of foreclosure. We are at the point of getting an appraisal but the mortgage company does not have an agent assigned as a single point of contact managing our case. We have not gotten anything in writing about the deed in lieu process. We do n't know our rights and responsibilities as customers. Carrington has not offered clear communication about our rights and responsibilities as customers participating in their deed in lieu of foreclosure option. There seems to be no accountability in mortgage companies and this seems to be our only recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
15 U.S. Code 1605 - Determination of finance charge It has come to my attention that before I purchase my car I was charged a fee XXXX dollars and which time I was told that this would be needed to purchase my car I have been looking up laws and was determine that this a violation of the consumer law that I just stated This XXXX dollars was not applied to my loan amount and was in direct violation of the above consumer law please have someone contact me immediately or I will hold enterprise civilly liable My down payment was paid threw a online portal XXXX  days before I received my car I Have the original contract and the total cost of vehicle is not accurately displayed I was told that I had to pay XXXX dollars to receive my car which is a violation of truth and lending act

Company response to consumer: Closed with explanation