BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed the following account on my TransUnion credit report, since I had no knowledge of it : XXXX XXXX. 
TransUnion " verified ''. 
On XX/XX/2016, I requested a reinvestigation, asking for specific information about this account. This request was received by TranUnion, and signed for on XX/XX/2016. 
TransUnion once again " verified ''. 
I contacted XXXX on XX/XX/2016 asking for verification of this account. The letter was received and signed for on XX/XX/2016. 
As of today, XXXX XXXX, XXXX has not replied. This exceeds the 30 day limit. 
TransUnion obviously " verified '' without contacting XXXX, and then " verified '' AGAIN when I asked for a reinvestigation. 
Since TransUnion obviously did not contact XXXX and can not give me any evidence proving this is my account, it must be deleted from my credit report. TransUnion refuses to do this. TransUnion also refuses to respond to my CFPB complaint without my authorization, so I am giving TransUnion my consent ( authorization ) to investigate the CFPB complaint and to communicate to the CFPB regarding my credit report and the complaint.

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 2016-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion fail to delete wrong information 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 explanation
Consumer complaint received 2017-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit score dropped XXXX points from XXXX to XXXX virtually overnight. The only possible issue was closing my XXXX credit card as I previously reported under a separate complaint. There was also an address for XXXX, Nevada which I told them I never lived there. I have lived in Nebraska all my life. When I asked what other bad information they had about me which may have caused the drop in score they refused to answer. When I asked to have them resolve the errors on my acocunt and look into the fraud they refused. I just got off the phone with Trans Union at XXXX CDT XX/XX/2017.

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 2015-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX # XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX /XXXX XXXX / XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was a victim of the inquiry fiasco and i would like my inquiries deleted ASAP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 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 2016-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a dispute on my report XX/XX/2016 and sent in proof that the account was released. This judgement was entered in error and is now preventing me from getting a loan. It has been greater than 14 days and I simply do not have time to continue to send letters when proof has already been sent over.

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 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Trans union is reporting a bankruptcy on my report, I called the court, the court does not report this information, not now not ever, trans-union received this information from a 3-party reporting agency, I request it be DELETED, ASAP.

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 2020-08-18
Company: EQUIFAX, INC.
State: OH
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:
Found a collection account from child support when I dont owe any money or even have a active case they fraudulently put it on my Equifax credit report and its wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: Credit Karma, LLC
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have only lived in XXXX there is a third address listed that is NOT mine Please take off my report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: National Enterprise Systems, Inc.
State: ME
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have asked the company XXXX to not call me at work and to communicate with me In writing and they 're still calling me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A fraudulent marketing firm asked me to be a mystery shopper. They gave me a check to deposit in my account to cover my activities on their behalf. I deposited the check and waited for the check to clear. I checked with Suntrust on whether the check had cleared on the XXXX of XXXX in person. At that time they up sold me on a credit card and did not recommend any action on my part. Then I called a week later, the marketing firm was asking me to complete the store evaluation, suntrust 's person on the phone told me my account was being closed. At the time I had {$1300.00} in the account. I did not understand. I recieved a form letter that said the check was being held pending investigation and my account was frozen because the amount of the check was greater than the amount in the account. I tried accessing my account online and it did not exist according to the Web site. On the XXXX they sent the check back and charged me a retuned check fee and an overdraft fee. I had not removed any money from the account. XXXX XXXX I received a check in the mail for $ XXXX {$48.00} I went into the branch to find out what was happening and they cut up my debit card and said they were severing their relationship with me. This is while I have a credit card with them and an unreleased mortgage. They foreclosed on my house after refusing to refinance and refusing to modify after I paid the mortgage for a year and a half while unemployed and under employed and maintainted the mortgage on another home. I was homeless and living in my car while paying them. I was working and earning {$3300.00} per month while the mortgage was {$2600.00} and condo fee {$460.00}. that is a whole other story. It is just to say that my relationship with suntrust has been too long and they have made my life more difficult and I just feel like they messed with me again and stole {$36.00} dollars from me. They sold my house out from under me and have not released the debt because the worth of the house was more than my remaining mortgage and $ XXXX more than they sold it for. I have no idea how to get rid of this albatross. I would like to sever my relationship with them but I do not know how to do it. Really from this interaction all I want is my overdraft fee back and the credit card request off of my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-17
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 I XXXX XXXX XXXX opened up a CHECKING and SAVINGS ACNT AT SUN TRUST BANK BRANCH XXXX nc XXXX, CSR XXXX XXXX XXXX XXXX. She did not give me all my bank opening ACNT PAPERS nor MY beneficiary page in WHICH SHE DEMANDED MY CHILDRENS SS #, DOB AND NCDL #, JUST FOR THEM BEING THE BENEFICIARIES ON MY ACNTS, SO I WENT BACK THE XXXX, withdrew {$350.00} from each ACNT CHECKING and SAVINGS WITH NO PROBLEMS THEN ON XXXX XXXX, 2015 SUNTRUST BLOCKED ME OUT OF MY ACNTS AND PLACED " A NO DEBIT STATUS '' ON MY ACNTS AND TOLD ME THEY WERE CLOSING MY ACNTS BUT I HAVE {$50.00} in each ACNT AND WAS TOLD THEY CANT GIVE ME A TIME FRAME ON HOW LONG IT WILL TAKE FORM THWM TO MAIL ME CHECKS FOR MY TOTAL OF {$100.00} combined money in my aunts that was CASH DEPOSITED IN THE FIRST PLACE ON XXXX XXXX, 2015. HOW IS THAT NOT STEALING, BANK MONEY LAUNDERING, FRAUD ON THE BANKS PART BY XXXX XXXX XXXX CSR XXXX BRANCH!!! 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Even though Navient set, mandatory monthly interest payments have been paid, my total repayment amount has increased due to massive interest increases. My repayment went from {$45000.00} to {$52000.00} in a year. How can this happen? I 'll never be able to have a life. Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
on or around 2012. I noticed account on my XXXX and XXXX credit report that did n't belong to Bank of America account with a foreclosure status. Date open XXXX mortgage term of two years. I immediately disputed account as not mine. Credit report agency along with Bank of America refuse to remove this item from my credit report. I had never had to an bank of America mortgage. I 'm requesting and complaining that this account be removed from my credit report. I never signed any mortgage loan Bank of America has refused to send me documentation, because frankly there is n't any documentation showing that I a mortgage with Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My truck payment is due the XXXX of every month. Every month beginning on the XXXX ( if payment has not been received ) phone calls begin. Sometimes multiple calls back to back with as many as XXXX5 calls a day. Late fee is not incorporated till the XXXX. No voicemail, no call identification and no way to know who is calling. 

Finally, I answered and collector stated, " the bill is due on the XXXX and we start calling the XXXX day it is late. ". I responded, " so you guys just blow-up my phone all day everyday? ". She responded, by asking, " did you want to make a payment? ". At this point I had already submitted payment but has not cleared though the bank. I responded, " I already have. '' And she stated that she would make note on my acct. Not once was there a apology, a thank you, or even a degree of empathy in her voice. This woman could not have been more apathetic and rude. I am as of now seeking information on my rights. 

Sincerely, Extremely aggrevated client of Bank of America

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: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My son has several student loans thru Navient ( formerly XXXX XXXX ) which I am a co-signer on several of his loans. I have paid on these loans for years b/c I always wanted to be able to pay for my kids education and in previous years he could n't afford to pay. We have been in a rate reduction plan the past couple of years with them and we have never missed a payment. This plan has to be approved each year. Since last year my sons salary has increased slightly by about {$10000.00}, but so has his expenses with a mortgage, car payment, and XXXX child XXXX XXXX ). My payments were {$520.00} per month. In renewing for this year Navient is asking him to pay {$980.00} month. His income did not double, his family is larger, his wife 's hours have been reduced. And they will not come off this rate per month or try to work with us. I feel like they do n't want you to pay them back sometimes. We have always paid and I 'm trying to pay them now and they do n't care. Seems odd that it would be this difficult to make payment arrangements when more student loans are being defaulted on everyday, more than ever before. Wish I had other options. We are a struggling XXXX family trying to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Navient Solutions, LLC.
State: OH
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 obtained loans through XXXX XXXX ( Navient ) for a total of XXXX. To date I have paid back XXXX. I currently owe {$40000.00} over XXXX more than I originally borrowed. I accrue interest at a {$210.00} a month. Even at the suggested payment of XXXX I 'm only paying {$200.00} to principle and it will take me 17 years to pay off and I will have paid nearly {$110000.00} on a {$32000.00} loan. I find this disturbing. I have paid nearly $ XXXX and nearly $ XXXX of that has been interest only. There should be limits on the amount of money that a lender can charge. Being unable to afford {$410.00} per month only means that I 'm going to end up paying even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Ocwen Financial Corporation
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Per XXXX of this company said they are owned instructed by Ocwen to foreclose on said property.

Ocwen is in the middle of a loan modification to save our home.

The first time XXXX XXXX left documents they were placed on the front porch and flew all over the neighborhood.

Display for the neighbors This time taped on the front door

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed my navient student loan for a Balance of {$37000.00} with Experian and it was updated incorrectly as all of my navient student loans were just included in a direct consolidation loan from XXXX. This account has been paid in full and closed and by it continuing to report is affecting my debet to income ration by 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 2015-05-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wrote to Experian informing them that a Tax lien that they are showing on my credit report in the amount of {$18000.00} was an error and that it should not be showing on my credit report. They ignored my request. I wrote them more than XXXX. I went to apply for employment with XXXX and received a letter stating that Experian recently issued, for employment purposes, a consumer credit report about me to XXXX/Employment. It states the credit report contained the following public record information : Court/Plaintiff : XXXX XXXX XXXX XXXX Tax Lien XX/XX/XXXX in the amount of {$18000.00}. Attached you will see the Release of the Federal Tax Lien dated XX/XX/XXXX showing I did n't owe the Tax Lien Received from the Department of the Treasury Internal Revenue Service showing that the amount owed is None. ( See attached documentation ). I wrote to Experian prior to applying for employment and informed them that this was an error and they flat out ignored my request and documentation. I 'm including the documentation via fax to the XXXX XXXX XXXX XXXX which is the number giving by your chat representative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/21 XX/XX/21 XX/XX/21 re : XXXX XXXX  credit card. I entered a restructure program to get my account current and to have them report current on my credit report. I made 4 payments in 3 months ( more payments than required ). XXXX XXXX  was to report my account current to the credit bureau for XXXX XXXX and XXXX. They currently have me delinquent in XXXX XXXX and account closed in XXXX. Part of the restructure was to close the account, but they were to accurately report my account as current. I have disputed in writing their reporting and have asked for a written copy of our agreement on the restructure. I employed a credit counseling company to dispute and I have disputed with the credit bureau. I've called and written for a copy of the restructure agreement, it has been more than 30 days and I do not have the written agreement and they have not reported accurately. I've talked to Experian  and I am told that they contacted XXXX, XXXX said they were reporting accurately and they closed their dispute. I argued with Experian and asked what the purpose of my dispute was if they were going to believe the cc company. I was told they are not a reporting center and not for the use of the consumer.

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 2016-10-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
After checkichecking my credit report i have several hard inquires that i did not make ... .there was XXXX that i authorized ... ... .all others were not authorized by me ... ... .what can i do to have these inquires removed and what can i do to find out why these hard inquires were pulled on my credit ... ... .who authorized these????

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 2016-05-28
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian sells access to me to see MY OWN credit report. They were charging {$19.00} a month ( a MASSIVE PRICE FOR THIS SERVICE, should be more like a XXXX or XXXX, not XXXX dollars a month ) and when I complained about the price, they lowered it by XXXX %. {$20.00} a month is a LOT of money to pay to access MY information which can and is regularly used against me to scam more money. While on the phone, she said I could get access to all XXXX bureaus for 6 months for {$26.00}. Since I am in process with multiple construction loans, I said yes. Today, I went in to check the XXXX reports and low and behold, they only pulled the report for THAT day and I DO NOT HAVE ACCESS TO ALL XXXX BUREAUS FOR 6 MONTHS. I called and got the same " you have access for 6 months '' razzmatazz lies, but I do n't. I only can read the same report they pulled the first day, available online for 6 months. It is now VERY standard for banking industry to give YEARS of data visibility for free, so their saying that I " have access for 6 months '' is a direct attempt to lie, distort and scam me out of the {$26.00} for XXXX report. I specifically clarified when I called what I would be getting and they clearly have a carefully worded script to scam the public. They are purposefully lying about what they are offering to get people to pay the {$26.00}. They refused a refund because they said I " Have access for 6 months ''. I do NOT have access to the XXXX credit bureaus for 6 months. I only have the report I ran the very first day. They are lying to cheat consumers out of {$26.00} a pop. I can not imagine how much money they are making off of this consumer scam. More XXXX from the banking industry, cheating consumers out of money to get our XXXX 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 monetary relief