BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I first requested my free credit report in XXXX thru the govt website. 2 weeks later I was notified to submit proof of identity because the data they got from your website was illegible and they could n't understand the nature of my request. Is my request the first time they 've gotten a request from the govt website? They made a request for XXXX different forms of id to accompany and complete duplicate of the information I had already submitted thru your supposed faulty site. I provided clear and legible copies of my social security card, medicare card, utility bill and a cancelled check none of which was good enough for trans union. They have now sent me a third request stating what I previously sent them was inaccurate and unacceptable because it was too old, illegible, not a qualifying document and that I did n't send qualifying documents. Again this is the third time they have turned down my id. I dop n't have anything else to send them. They did n't like what you sent them also. So perhaps you have created this problem for me? It 's clear that they are fishing for more free information about me that they can add to their files and sell, profiting from me while refusing to share with me what info they have and also refusing to remove the erroneous and derogatory information that they have been providing to others and therefore doing damage to me and my good reputation. Trans union realizes that I 'm a XXXX senior and unable to work. Furthermore I have been in their files for 45 years. I 'd sure like to see what they call illegible. It is illegal for trans union to receive the '' benefit of the bargain '' profiting from my information. Furthermore, credit bureaus can be sued and for big bucks. I demand correct copies of my credit report be sent to the address I have provided to them immediately and I demand that they remove each erroneous item listed. Their reporting of false information about me has prevented me from obtaining a place to live. Hope you can 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 2016-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In an ongoing effort to keep my credit report free of errors, I have been trying to log on to the TransUnion website to file an online dispute for several weeks now. Through lengthy conversations with their telephone customer service representatives I learned that someone else had logged on posing as me with a fraudulent email address, complete with fraudulent answers to security questions. I was asked to provide proof of my identity by sending them government photo ID from my email address. When I did this they sent a login reset link to the fraudulent email address, which I only know because they happened to have cc 'd my email address. If I did n't have a security breech before, I definitely have one now due to negligence on the part of TransUnion. 

After many customer service calls wherein I was not fully understood by the agent and/or I could barely understand them due to thick foreign accents, I asked to speak to an American call center. I was transferred to someone who spoke perfect English, but who would only record the details of my problem and could n't help me. This person promised I would be called back by someone in the US who could help me, but it never happened. I responded to the email sent out to the fraudulent address explaining what they had done and they claimed, " We have blacklisted email address and locked up the account with reference number XXXX. '' But whenever I call in I can not get a representative to confirm this. I am still unable to log in online, which is the easiest way to lodge a dispute. More importantly, without the ability to do so, I feel I am not in control of my personal information. Finally I asked them to put a security freeze on my report while this was worked out and after they did so they informed me that I would be charged {$10.00} to lift it unless I filed a police report, which is outrageous because they would be an accomplice in any identity theft charges. 

I have been very clear in what I want from TransUnion to settle this matter : 1 ) I want to know that my information is secure and available only to me and authorized financial institutions. 2 ) I want to be able to log in under my own email address and be able to access and dispute my credit file online. 3 ) I want them to admit their complicity in this security breech and refrain from charging any fees associated to the security freeze on my account, even if I need to lift it in future. 

It would also be nice if they took steps to make sure this kind of thing does n't happen to someone else.

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 2016-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
bank of america visa XXXX XXXX XXXX XXXX ripped off XXXX XXXX of {$6.00} on XXXX/XXXX/2016 charge of {$100.00} by charging {$6.00} for bottle deposit for nondeposit bottles. 
XXXX/XXXX/2016 XXXX XXXX NY Transaction date : XXXX/XXXX/2016 Card type : XXXX Transaction type : Purchases Merchant description : GROCERY STORES, SUPERMARKETS Merchant information : XXXX, NY Reference number : XXXX Dispute this transaction Type Purchases {$100.00}

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 monetary relief
Consumer complaint received 2016-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I contacted trans union about being a victim of their inquiry issue I contacted them about the issue it was n't resolved. I did not receive a 5 day reinsert letter or anything I want these inquiries removed off of my report. 
XXXX-XX/XX/2015, XXXX/XXXX/2015, XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/2015 , XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15

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 2017-01-18
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is several years old, but I saw there is action against Navient, so I thought I would share my complaint. I began repayments ( originally to XXXX XXXX and then Navient ) in XXXX after finished XXXX school. My original payment was {$340.00} on approximately {$60000.00} in loans. I always tried to pay extra, as the company was applying the bulk or all of my payment to interest. This ranged from payments of $ XXXX, depending on what I could afford. In XXXX, my payment moved up to {$390.00}. Again, still payments only going to interest for parts of the year. I paid this through XXXX, when I started paying $ XXXX/month ( not my actually payment due, but what I could afford to try to pay off faster ). In XXXX XXXX, I went back to XXXX school. I was working XXXX, so continued my payments ( or intended to ). At this time my " official '' payment was $ XXXX/month, but I had been paying {$500.00}. In XXXX, I received notice that my loans were in deferment. I immediately called the company, informing them I did not request deferment, and was able to continue to pay. I was in school but working XXXX. I spoke with multiple staff and managers, simply asking that my payments be reinstated to the {$400.00} I was paying. They refused, stating that because it went into deferment, my interest had capitalized, and they had to change my payment and repayment schedule. I repeatedly told them I had never requested the deferment and got nowhere. My payment was increased to {$450.00} per month, which I pay today. I did not take on additional loans for my second round of XXXX school. After 17 years of faithfully paying monthly what is now over {$80000.00}, I still owe {$35000.00} on loans that were originally {$60000.00} because of the way payments are applied so heavily to interest. I am XXXX years old with XXXX XXXX. I am the XXXX. If they are able to XXXX me over this way, I 'm sure others are getting it much worse. I will have the loans paid off the year my oldest child goes to college, and will have paid well over XXXX the original principle of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
Ally Financial refused to give me access to their Vehicle Inspection website to view the damages to the vehicle. It my legal right to be able to view these damages. I have disputed ALL CHARGES from day 1. But will not cooperate and provide access to the pictures. 

XXXX XXXXXXXXXXXXAcct : XXXXVehicle no : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed the incorrect on my credit report. Transunion has refused to research the dispute, the dispute is also involved with an Bank complaint with cfpb # XXXX & XXXX. I provided Transunion with the information but, the company refused to research the cfpb information and the letters from the company.

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 2015-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
received my on line credit report. disputed some of the accounts. some were removed but a few were on summery. called again to ask to have them removed and was told they could keep them on record for 10yrs. these accounts are in good standing but go back to XX/XX/XXXX,XX/XX/XXXX. i would like to get them removed, because they look active even if being closed fo so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We got behind on our mortgage, tried to do a loan modification, kept getting different information from the very many different people we had to talk to. Assigned a customer relations manager that we never got to talk to. Paperwork was mishandled until it got so close they did n't postpone the sale date. Even though underwriters got the paperwork and assigned a code saying it was all correct the day before the sale, they still did n't postpone the sale.

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 2015-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TransUnion has discriminated against me by listing items on my credit report that occurred because I was emitted in a VA XXXX as a XXXX XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX and there are items on my credit report that are do to this XXXX and XXXX. I have attempted to clean my credit report with this firm to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
When I enrolled with the XXXX XXXX XXXX XXXX XXXX, I was told by my several advisors that funding provided to me would go through XXXX XXXX, their primary FEDERAL lender. Turns out all my loans are private. Limiting my protecting against the fraud and closing of the XXXX campuses as well as refinancing. Now Navient, has made my payments impossible, with the high interest rates from my loans and no options of canceling or refinancing my life has ended at XXXX. Because of the fraud and the lies from XXXX and XXXX XXXX XXXX, I will no longer be able to buy a car or finance a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am submitting this dispute about transunion credit reporting agency. I have been disputing a few things on my credit report and they just keep updating the information I am disputing. This is completely incorrect. My first complaint is a XXXX account that is reporting with a XXXX balance but showing charged off to a bad debt. This is wrong. The balance is XXXX however the remarks " charged off to a bad debt is wrong ''. I contacted transunion quiet a few times to dispute this and the rep told me that the furnisher did not respond within the 30-45 days they had. I explained by the fcra laws then it is to be deleted. I was assured it would be deleted. However it 's still reporting and was never deleted. My second complaint is XXXX acct # XXXX is listing XXXX seperate loans. I NEVER had a loan with them in the amount of {$860.00}. This amount has been combined with my XXXX loan I had with them. I contacted the better business berauou in regards to this and received a response that the bank did not respond back to them. I tried to contact transunion again today XXXX/XXXX/2017 and again was given the run around. I ca n't seem to have this wrong information corrected. There are also negative remarks that are reporting on my transunion credit report which again I was told they would be removed. Still not removed. Having this incorrect wrong information reporting on my credit report is affecting me in obtaining credit. I wish to submit this complaint about transunion credit reporting company as they are causing me a hardship in obtaining credit. Plus I never received an updated credit report as I was promised last month.

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 2017-01-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My private loans were issued through XXXX/Navient. Six months after I graduated I called them to see what payment plans I would be able to sign up for. They said that there are n't any for private loans and that I would have to do a forbearance but that it would increase the monthly cost after the three months. When I asked how much it would increase it by they could n't give me an answer. But since I could n't pay the $ XXXX+ a month i did n't have a choice. I am now paying {$800.00} a month. In addition to that, during my time at college they had my mother pay {$25.00} a month to keep the interest down at 8 % instead of 8 1/4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My wife XXXX XXXX went to apply for credit at XXXX XXXX XXXX XXXX, XX/XX/XXXX. We usually get 's a text message letting us know that we applied for credit. However, the inquiry went to my text message, and credit and not my wife 's credit. I do n't understand how my wife 's information with her social security number is going to my credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it and they told me that it 's legal to merge our credit reports and I disagree with this. My wife is her own person, and I am my own person, our credit reports should not be merged at all. I want them to fix them immediately. This is affecting me and my husband 's credit report and obtaining credit. When I put my SSN in for credit it should not be reporting to my wife 's credit and her should not be reporting to my credit report. XXXX just recently changed my name to my wife 's name on my credit report, I do n't understand that. This is affecting both of us really bad. This is illegal, we never gave them authorization, to change my name to my wife 's name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. I have so many inquiries that are not mines, and she has so many inquiries that are not hers. Please help us, someone must be accountable for this.

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 2015-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/XXXX I noticed that erroneous data was placed on my account that did not belong to me. I called the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX admitted that the data was entered in error. He suggested that I talk to the Collection Agency ( XXXX ) ( file # XXXX XXXX and XXXX. XXXX. She indicated that she was not able to remove the erroneous data from my record. I then contacted TransUnion and XXXX and disputed the erroneous data. XXXX sent me a copy of my credit account and indicate that the account is scheduled to continue on record until XX/XX/XXXX. They have not, as of this date, removed the erroneous data. Each individual I talked with I begged that they remove the erroneous data as I am a XXXX student and I have been offered a XXXX position XXXX. However, this erroneous information has the potential to cause my employer to withdraw the offer. I stressed that this information may ruin my career XXXX before I even get started. I know that the credit reporting agencies ( transunion, XXXX, XXXX ) did not check the complete name, date of birth, and social security number before they entered this erroneous data on my record. I have never been treated in an emergency room in the United States in my life. I beg you to advocate and file this complaint on my behalf against all of the aforementioned credit reporting agencies as I am convinced that they do not care that they have entered erroneous data on my record. In addition, I feel that the aforementioned agencies do not care how this erroneous data will affect my life, including future employment. 
I graduate in XX/XX/XXXX and I do n't have money for an attorney, but I will be forced to ask my XXXX surviving parent to hire an attorney if this agency can not help me. You are my last hope to resolve this injustice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has violated the National Mortgage Settlement ( NMS ) and is liable under the California Homeowners Bill of Rights ( HBOR ) 2924.12 ( g ). 
While Bank of America concedes the submission and receipt of a complete Request for Mortgage Assistance ( RMA ) application package as evidenced by the Bank of America initial review of the received as complete RMA resulting with the XXXX XXXX, XXXX incorrect MHA HAMP denial that was later GRANTED upon the Bank of America Appeals Department reviews of XXXX XXXX and XXXX XXXX, Bank of America has not provided the required five day notice to the borrower in accordance with HBOR 2924.10 ( a ). Also and in accordance with HBOR, there is no deadline for servicer 's to complete the modification process. 
Additionally, Bank of America can not record an Notice of Default ( NOD ), a Notice of Trustee Sale ( NTS ), or conduct a sale while the modification process is pending per California Civil Code 2923.6 ( c ). No deadline for borrower 's application. No deadline for servicer 's RMS evaluation. 
Therefore, the NOD recorded on XXXX XXXX, XXXX must be withdrawn by the recording of a Rescission with the XXXX XXXX County Recorders Office.

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 2016-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transition reporting inaccurate ifo on my credit report and wo n't give me a credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: ALLY FINANCIAL INC.
State: CO
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I answered the phone call and when I explained that the car is actually my sisters and she 'd be the XXXX to contact for payments. The collector yelled at me in an extremely aggressive manner that he 'd be calling me again and hung up before I could finish explainin I 'd call her to see what was going on. I feel extremely attacked for aggressive tone of the phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I settled a deb with XXXX XXXX XXXX XXXX XXXX in XXXX 2014. They reported this to the credit reporting agencies. Both Transunion and XXXX do not have updated information on this debt, which should be noted as " legally paid for less than the full amount, settled '' to be fully FCRA compliant, and this should be dated from the time the debt was settled : XXXX 2014. Instead, this shows 'charged off ' and this is showing up as a charge off on successive months 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 non-monetary relief