BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I closed a credit card account I had with XXXX ( XXXX ) in XXXX XXXX. The amount due was paid in full on XXXX/XXXX/XXXX. More than XXXX days after the account was paid off I received a postcard from XXXX indicating that a balance of {$5.00} was more than XXXX days past due on the account. While I did not agree with this, I went to XXXX to see about just paying the amount since it was so small. The employees at XXXX indicated that the account had a XXXX balance and even if I gave them the money they did not know how or where to apply it. I was told " not to worry '' and that there was nothing due. 

XX/XX/XXXX I obtained a copy of my TransUnion credit report and was shocked to see that the account had been reported as an adverse account with the {$5.00} reported as more than XXXX days past due. I again went to XXXX and showed them the item on my credit report. I was again told that it would be taken care and the past due status would be removed. 

Several months went by and the past due status remained on my credit report. I then filed a complaint with Consumer Financial Protection Bureau ( CFPB ) in the XX/XX/XXXX as I was led to believe that it was TransUnion that was not cooperating with XXXX in removing the adverse account status item. The complaint I filed with CFPB resulted in the adverse account status item being removed from my TransUnion report. At this time I thought the matter was closed. However, it is not! 

XX/XX/XXXX I obtained another copy of my TransUnion report. The report shows that someone from XXXX requested a copy of my credit report on XXXX XXXX, XXXX ( without my consent and for no legal reason as I owe them no debt ) AND the closed account is again being reported as an adverse account. Additionally, XXXX changed the alleged late payment date from XXXX XXXX to a new date of XXXX XXXX. 

I have attached copies of my XXXX XXXX and XXXX XXXX credit card statements as they may also be helpful in the matter. 

I am once again seeking to have the adverse account item removed again, from all XXXX of my credit reports. I have never had a late payment with XXXX in all the years I banked with them and am finding it hard to believe that they are doing this to me, which is starting to look like harassment. The adverse item status they are reporting has also caused my car insurance rate to go up ( along with my XXXX XXXX! ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The accounts showed in my credit report are not mine. The accounts belong to a family member with a similar name. Therefore the score calculated is someone elses. I also saw XXXX account in collections which does not belong to me. Again issue of incorrect ownership, belongs to a relative and not myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I recently applied for a job and was not told my credit would be ran. I also did not sign anything saying it could be ran. They ended up running my credit without my authorization.

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 2016-10-13
Company: ALLY FINANCIAL INC.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
My husband and I went to XXXX XXXX XXXX, in XXXX XXXX, South Carolina on XX/XX/XXXX. At the time, we discussed the price with the representative who said that he had to discuss the cost with his finance representative and with his manager. We held on to all paperwork that had our personal information as we asked not to have our credit run, until we agreed on costs. He said he made some notes on the back about what we desired for a trade in cost and what we were paying for the vehicle and that he just needed to take a photo of that. He took the photo. Unbeknown to us, that photo also included our personal information. When he returned, he came in with multiple finance offers using me as the applicant and my husband as the co-applicant vice-versa. Once, he brought back the paperwork, we shared our frustrations and asked that he not run our credit and we left taking the form with us. Little did we know, the finance manager had copied our information and began running our credit more than 10 times. I have taken this issue up the dealership to no avail.

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 2016-04-22
Company: Delbert Services
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX I took out a loan from Western Sky that I saw advertised on television to fund a move to XXXX to take a XXXX job. After applying I was contacted by a company named XXXX XXXX and they stated they worked with Western Sky. XXXX XXXX I noticed a company named Delbert on my credit report and that I opened an account in XXXX XXXX. After some investigation I found out Delbert is a collection company owned by the same person that owns XXXX XXXX. The loan was never late and I was never informed of the transfer. Apparently XXXX XXXX got in trouble in several states for illegal loans. They apparently were posing as an XXXX tribe company but they are not. This was the way they were trying to charge 89 percent interest. I talked to the XXXX Attorney General and they stated Delbert is not licensed in the state of XXXX. The Attorney General 's office suggested I stop making payments and contact the CFPB. I stopped the payments and Delbert is now showing the loan amount charged off. In XXXX the usury law caps interest at 29 % and the loan is in violation of XXXX law. Several states have ruled these loans illegal and the loans do not have to be paid.

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 2015-10-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I tried for over six months to modify my loan and in the end it was denied for excessive debt. I have an adjustable rate loan which is 2 % above current rates. They refused to even lower it to todays market rate which would have made the loan a lot more affordable. In addition, it is still an adjustable rate loan which can change every year. They did nothing to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent in several disputes to Transunion in XX/XX/XXXX and received a new copy of my credit report with each one having been " verified '' I requested further information/reinvestigation even after 2 additional requests for reinvestigation and method of verification and received nothing. Then today I received a XXXX page letter with a definition of investigation. Not a definition of an investigation into my specific request but a definition of the word investigation. I have attached a copy of the letter along with the copy of my " verified '' report from XX/XX/XXXX. Matching report numbers but again no verification. It has been well into 75+ days and they have shown no reinvestigation. 
Transunion needs to delete the disputed lines that they say they " verified ''

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 2016-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I called Transunion to dispute a hard inquiry on my credit report due to fraud and they refused to dispute it referring me to the company. XXXX..I called this bank already and they told me there is no application for me. There is only an Rooms to go account that I have been an authorized user on since XXXX. That is no reason for them to check my credit in XXXX. This is fraud. No one seems to care when I call XXXX or Transunion. They are so unhelpful. Neither company cares that someone has attempted to get credit in my name or pulled my credit without my permission.

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: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries that dates back from XXXX, that i didnt authorize. No one seems to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Solar Mosaic LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am a XXXX XXXX  veteran. Mosaic 's partner ( XXXX XXXX XXXX XXXX closed their doors and disappeared before the solar installation on my home was completed. according to Mosaics email ( attached ) dated XXXX XX/XX/XXXX they were responsible to verify installation so that we can forward payment to the installer for their work. If Mosaic  had actually completed step # XXXX, like they stated, I wouldnt be on the hook for {$67000.00}. I believe that Mosaic should have confirmed the work being completed before they paid out the full sum of the loan. Example : no one pays a homebuilder the full sum, up front. The disbursement is paid to the contractor based on work completion and material costs. I understood that Mosaic was to make loan disbursements to XXXX XXXX based upon completion or status of the work that has been completed. Instead, Mosaic disbursed the full {$67000.00} to the installer prematurely before the installation was complete. As well, this money being disbursed prior to completion triggered my monthly installment to Mosaic to begin. These payments should not have begun until after my solar system was up and operational. I made my XXXX  payment on XX/XX/XXXX on a system that is not working. In the loan agreement, page XXXX, reads : " in order for us to make disbursements on your behalf, we may require you to confirm that installation contractor has satisfied certain conditions in the installation process. '' I did receive a message from Mosaic asking if the installation was complete and I noted it was not complete. XXXX scammed a lot of folks out of a lot of money but Mosaic 's failures are clear and cost me a lot of money. I have filed XXXX complaints with Mosaic and none of them got resolved. Mosaic has not delivered on their portion of the contract and I requestion XXXX of the following : XXXX. Fix my solar. I have attached a bid from a reputable, local solar installer. Costs to get my system up and running is {$17000.00}. 
XXXX. Cancel my loan and come get your equipment. 
I refuse to fill the pockets of the rich while I serve ramen to my family just to pay the bills. Mosaic should be ashamed of their immoral business practices and their inability to admit when they have made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXXXXXX XXXX account # XXXX and XXXX XXXX account # XXXX 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 15 U.S. Code 1681s2 - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2015-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
please help me my mortgage company approved for a loan modification however i noticed that my original loan balance was {$390000.00}. Now as of today i received the final modification agreement stating that my loan amount is {$390000.00} and they also adding {$280000.00}. for no reason. 
Bank of America is trying to take advantage of me and my family. We called Bank of America seeking help due to our hardship and it is not fair that because our hardship Bank of America is taking advantage. 


PLEASE HELP!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
For the past 5 years, since XXXX 2011, I have made payments faithfully every month as much as I can to Navient or XXXX XXXX. I continue to get 6-8 phone calls daily from them. A female from Navient called me at my work today. I have never given them permission to contact me at work. When I asked her how she got my number, she responded, " I found it. '' I told her I never gave them permission to call me at work. She began telling me that I am 880+ days delinquent. I told her that technically I am not, as I paid {$30.00}, which is all I can pay, on XXXX XXXX. She said technically I am delinquent because I have not paid the amount required. I told her that I can not afford to pay any more than {$30.00} a month. She said that she found that hard to believe. She went on to tell me that I choose to not pay any more, that I am unwilling to pay any more. I told her that I owe bills to other people. I told her my rent was {$1100.00} a month. She said, " well, you need to find a cheaper place to live. '' She accused me of not wanting to pay. She even laughed at me when I told her that I could n't pay {$70.00} a month. She made me feel worthless. I said, " Shame on you for judging me. You do n't know my financial situation ''. She said, " Well then you need to stop refusing to pay what you owe ''. I told her that I am paying, but she argued that it was n't enough. At one point, she said, " you do know what will happen to you if you dont pay do n't you? '' I said, " yes, I 've been threatened before. And when and if that day comes, I 'll have an attorney. '' She started laughing and said, " An attorney? If you can get an attorney to represent you, you can pay your loans like you 're supposed to. '' I have gotten to the point that I no longer answer my phone. They call from all different numbers in different states to try and throw me off : XXXX, XXXX, XXXX, XXXX, XXXX. And now they 're calling my work. I do n't know how they got my work number. I have never given them my work phone number. They are bullies. And now they 're stalking me by searching to get my work info. The total amount for the loans is less than {$20000.00}, and that includes 10 % interest for each loan. I am being harassed and threatened over {$20000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I couldn't afford to pay my car insurance because I was laid off so I was charged a month in advance for an auto policy. I had switched to a more affordable company but XXXX had already sold the debt to Caine and Weiner who I never had a contract with. Now they are reporting on my credit false information that has dropped my score XXXX points. It is also showing up as an open account. I haven't received any notice except the ones that are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When I took out the loans with my co-signer from XXXX, what the terms of repayment would be, including but not limited to the interest rate, were very unclear. I went through college with the understanding that student loans were a great way to pay for college with fair and favorable repayment terms. Since then at several different points I have felt like a bait and switch. The terms include what seem to me to be an extremely high interest wait on XXXX of the XXXX loans which is at 9.75 %, which accrued annually while I was in school. Then I went back to school after paying on my loans for about 18 months, and they went into in school deferment, but at no time was it really made clear to me that the maximum they would allow would be 4 years. I am currently enrolled in a XXXX and now have to start making payments again. Due to the High interest rate and being in school the accrual amount of interest added to the unpaid principle balance has nearly doubled the amount I owe to pay off the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Currently I am trying to obtain my credit score from the 3 credit service providers and it seems that they all have different scores due to my lack of credit history. I know that my past in XXXX I had fallen into hardships and my credit score was not at its best. I was able to repair and clean off my debts. 

Its been 12 plus years and my credit should of have resolved that matter and I should be able to have a clean slate. I recently in XXXX of XXXX tried to establish a credit card with XXXX and they provided a score XXXX and was denied to lack of credit. I also tried to get line of credit with my current Bank of America which was also denied. I would like to request to have my credit score and report be provided during this time. I have done all that I can to try to establish more credit but I am unable too cause XXXX, XXXX and XXXX XXXX all have different scores but I am not able to get a report. I just would like to be given a chance to have accuracy of my credit score so I can rent during this pandemic. Its been extremely hard during this time and I understand that their is relief and help during this time that I can request to help my score and give me a chance to rebuild my score or be provided an accurate credit score.

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: Team Recovery Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation