BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation. I need to get this handled because I have goals in the future for my credit. attached is the letter XXXX XXXX sent me along with the check image thanks XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
the only thing I want to correct on my first dispute # XXXX. Is that I typed in the wrong year I first recieved my loan with XXXX in XXXX of XXXX. Not XXXX like I typed in.

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 2015-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX Services is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it has now exceeded the 7 year statute of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid my auto loan off in full via the lenders website by submitting an online payment which processed via ACH out of my checking account. Two days later I inquired as to when I would get the title and Ally XXXX informed me that it is " company policy '' that there is a holding period of ten days before they would release the title and then it would take 3-5 days to mail. That is a TWO week waiting period on my title when I paid in full. I would understand if I had written a personal check that there would be a clearing timeframe, but an ACH is an immediate payment. How is it legal for them to hold the title for 10 days? Reg CC has rules against holds being placed on funds via check, but there has to be some sort of ruling on release of title. If they have my funds, I should be able to demand my title.

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 2015-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is a billing for {$1600.00} for the month of XXXX 2011, however I did n't live there during that time. I moved out of that residence XXXX 2011!! This bill does n't belong to me but to the owner of the condo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is XXXX XXXX XXXX, up until XX/XX/XXXX my XXXX credit reports where reflecting XXXX. I have been gone since XX/XX/XXXX thru XX/XX/XXXX, somhow transunion has let a creditor change to XXXX, I have submitted proof of my name to transunion. Drivers license, social security card, utility bills and divorce decree stating I get my maiden name back. As a creditor I feel I have rights that is not the case with transunion they told me that the creditor has to electronically file my name but they will not tell me who reported the XXXX name, but I have not had credit in that name since XX/XX/XXXX and transunion is in XXXX. I feel that consumers should have rights

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My condo lost XXXX of its value after 2008 and I now owe more than it is worth. 
I was happy to hear about HARP, only to learn that because my mortgage did not involve XXXX or XXXX XXXX I could not qualify. 
Is this right, and is it fair?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Navient Solutions, LLC.
State: CA
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:
I have outstanding student loans through Navient in the amount of $ XXXX My husband and I are attempting to pay down the amount, our monthly payment is XXXX and we have been paying an extra {$400.00} each month to help lower the principle. We follow the payment instructions given by Navient by including a separate payment instruction telling them to not advance our payment date and that {$200.00}. go to each of the XXXX loans principles. Instead Navient pays extra to the interest and advances our loan date. We have contacted them several times by phone and they have fixed it several times but continue with the problem. 
We feel like we are spinning our wheels ' we have read on how many student loans are being defaulted on and we are trying our best to do right. How can we get help with this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After going through a two week process to clear my name with Bank of America, I decided to bring my other company over as well. After opening XXXX accounts, I went to fund them only for them to be shutdown due to the internal issue which I thought was resolved. They put all XXXX on pending close. When I called I found out the tax ID for my LLC has been attached to the internal file to be blocked. The same internal file that was overridden for my personal accounts and my corporate account which is currently in good standing. I have a merchant account and XXXX business checking accounts for my corporation and this issue should not be happening.

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 2015-04-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out a loan with XXXX who then sold to Navient so I can pay going to school in XXXX University XXXX, NY. I tried asking Navient to help as I am not working right now and lower monthly payment to where someone else can help me pay for it and they said no. There is nothing they can go and I have to pay 480.00 a month and thats it. Combined income for XXXX people is XXXX how am I suppose to pay for student loans. They say federal government are the ones that help out with the loans if you make lower than a certain about not private loans but yet you ca n't file bankruptcy with private loans if they are considered to be like taking out a private loan from the bank. Bank loans you can claim in bankruptcy then why not private student loans. XXXX and Navient are the worse companies to deal with they provide no help with private loans what so ever!!! I guess thats why americans have horrible credit scores wo n't even give people a chance to advance with the means they have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX XXXX I checked my credit file and I had no inquirys to date. I checked today and there wefe XXXX new inquirys that i did not authorize. Except for 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 2015-09-19
Company: SUNTRUST BANKS, INC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
SUN TRUST Bank refuses to grant my loan request ( Reference ID XXXX ) because " After reviewing your application, we regret that we are unable to approve your request based on the following reason : Unable to obtain credit report from consumer reporting agency XXXX. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I WAS CHARGED XXXX IN 3 MINUTES ON XXXX/XXXX/2016 AND NEVER RECEIVED THE XXXX CREDIT REPORTS BY TRUE CREDIT/ TRANSUNION . ATTACHED YOU WILL FIND A SCREENSHOT OF THE {$29.00} THAT WAS DEDUCTED FROM MY ACCOUNT. THIS COMPANY HAS ILLEGALLY TAKEN MONEY FROM ME AND DID NOT PRODUCE THE PRODUCT THAT WAS SUPPOSED TO BE FURNISHED.

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 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Had a account with XXXX over XXXX years ago ... have not had XXXX since XX/XX/XXXX-XX/XX/XXXX lost job request cancellation of service ... .went away than reappeared stating account was open XX/XX/XXXX which is untrue and collection agency XXXX XXXX is try to treat this like a new debt not one that is past the time limit ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card
Issue: Billing disputes

Complaint:
BOA, Bank of America, deducted money from my checking account in XXXX XXXX and in XXXX XXXX for a credit card that was not in my name, without my ss number, without any application from me, without my signature, and with no charges authorized or made by me. BOA simply had access to my BOA checking account and deducted {$300.00} in XXXX, then {$2300.00} on XXXX XXXX. 
My husband and I bought a XXXX in XXXX, called XXXX XXXX XXXX. The business ended and the corporate name was XXXX XXXX. XX/XX/XXXX, I began to receive calls about a credit card for XXXX XXXX XXXX ; it was the first time I knew about that card. I gave the company my address so that person could forward any information showing where and when I authorized the card. At that time, BOA did not have anything except my name and telephone number. I never received any information I requested. However, on XXXX XXXX, I noticed a debit from my checking account of {$300.00}, with the explanation- '' bankcard debit business/commercial card-right to set off. Those dollars were part of my SSI. And, when I asked the next person I spoke to, he told me the bank would not make that debit. 
Upon the advice of an attorney, I stopped using that account, except for a few online bill pays. ( Again I wish to note that several requests then and later in the year, for any documentation of my card application, my signature on the application, were never fulfilled. I have never even had an actual credit card or made any charges on the card. ) Then in XXXX of this year, my husband transferred some of his SSI ( he 's XXXX ) via check into my personal BOA checking acct and I too transferred $ $ $ from my SSI into the BOA checking account for XXXX expenses. Within one week, on XXXX XXXX, when I checked my checking account, BOA, had deducted {$2300.00} from my account. The explanation was " debit for charges on account ''. So, I am initiating a complaint ... .never any documentation for this Credit Card, which is not in my name.

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 2017-01-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was called and harrassed about my student loans. I wad not given alternative repayment options. My loans were XXXX then placed with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I filed a complaint on XXXX number XXXX I since received the following letter from BOA I want to know how I " benefited '' from someone stealing my identity and making unauthorized charges to my account? How can the CFPB help me? BOA rep 's have been the rudest, most uncooperative people I have ever dealt with. Now this letter is just a continuation of their mishandling of this entire matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, collection Agencies has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is ignoring my numerous requests to investigate and remove accounts from my credit file that do not belong to me.

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 2017-02-10
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a student loan that is currently with Navient, They have forced me into forebearance and told me on several occasions there was nothing that could be done to lower my payments, despite knowing other people with Navient have been able to be on income based payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am asking for you to look into this account with Bank of America that has stayed on XXXX XXXX. I have kept an account open with BOA, opened an account and had difficulty depositing money in my account. I work to keep the account open, which is {$12.00} a month. I had a client deposit money and it was very hard to do.

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 2015-12-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX private student loans managed by Navient and I have made student loan repayments to them for over 3 years. Recently, they enrolled me in a special repayment program started from XXXX 2015. Navient & I both mutually agreed $ XXXX monthly payment at 3 % interest to cover the XXXX private student loans mentioned above in order to bring my XXXX student loans into current. I set up auto debit with Navient and they have withdrawn XXXX payments with total of {$1200.00} from my checking account. After withdrawing the first payment on XXXX XXXX, 2015, their staff called me and told me that the previous staff & supervisor did not set up the program correctly, then she cancelled the program and re-enrolled me into another one. A month later, Navient took out another {$630.00} from my checking account on XXXX XXXX, 2015. A few weeks later after second payments withdrawn from my checking account, their another staff called me and told me that the XXXX previous staff did not enroll me into the program correctly, then she cancelled this program and re-enrolled me into another XXXX again. Today XXXX XXXX, 2015, XXXX from Navient called me and told me that the XXXX previous staff ( again ) did not enroll me into this program accurately and the total of {$1200.00} that Navient took out from my checking account did not apply to my qualifying XXXX student loan accounts as initially agreed, resulting the XXXX accounts in delinquent / past due. XXXX told me that she will re-enroll me into another program again... I 'm really frustrated that Navient & their employees have keep calling and telling me that their unqualified staff keep making mistake on my accounts. May I request further investigations on their operations as I believe they are systematically commiting fraud. After over 3 years of making student loan payments to XXXX / Navient, my current balance is almost double original amounts that I got loans from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Total Card, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Collection agency has repeatedly contacted me and third parties regarding an alleged debt after being asked to cease and desist contact. 

Agency also failed to verify the debt and prove the debt is not time-barred, including refusal to provide Date of Last Payment and/or Date of Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The Information listed on Transunion 's for both me and my husband 's credit report, list an address that is not, nor has ever been mine or my husband 's address. The address reported on Transunion 's Report is XXXX CO XXXX. 

Please correct our report by deleting the above address from XXXX our reports. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: Wilber and Associates, P.C.
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Wilber & Associates received this case from XXXX, whom I had already provided documentation from WA State of title transfer for the vehicle involved in this case on a date well-prior to the claim date. This correspondence in its very existence is harassment since XXXX should have not passed my information on to an additional collection agency. Additionally, the language in the letter is threatening in that Wilber & Associates alleges that they " are attempting to resolve this matter in an amicable fashion '' however the options listed for responding only include 1. payment and 2. providing insurance coverage information and do not include an option for disputing that I am responsible for the debt being collected.

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 2017-01-25
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On XX/XX/XXXX, I sent a letter to Navient in the hopes of having a 90 day late payment removed from the account ( dated XX/XX/XXXX according to the various CRA ). After speaking with XXXX XXXX, I was assured that she would get down to the issue, but that " Navient is not in the habit of removing late payments from the CRA. '' On XX/XX/XXXX, I received email correspondence from Navient via XXXX XXXX confirming exactly what she had said. The letter, which is attached, stated that " I received Administrative Forebearance on XX/XX/XXXX that was applied to my account retroactively from XXXX XXXX, XXXX to XXXX XXXX, XXXX. Our records indicate that your loans were reported delinquent to the credit bureaus XX/XX/XXXX. Although the forbearance did resolve your past-due status, the delinquency reporting that you 're requesting to be removed occurred prior to your request for forbearance and was accurately reported. '' If my forbearance was from XX/XX/XXXX to XX/XX/XXXX, is XX/XX/XXXX also not covered in this forbearance period? I have several accounts with Navient, totaling more than {$75000.00} ; some of which were transferred to them from XXXX XXXX. I am now very weary that any of the information is correct or being reported correctly. Not to mention the fact that they are great at not providing timely information when it was time to renew my Income-Based Repayment Plan.

Company response to consumer: Closed with explanation