BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-13
Company: United Collection Bureau, Inc.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call XXXX or XXXX times a day let it ring once and stop. It is getting annoying. Has been going on for months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Trans Union is debitting {$17.00} from my account monthly and I can not stop it. I have called several times, account confirmed cancelled, and they keep taking the money. They refuse to provide documentation of this monthly debit being authorized. I demanded documents, they refuse. The Escalation Department resists service to me. Even my Bank is not responding to my disputes of the debit. There is no evidence of this obligation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed with the original vehicle loan, XXXX, and with the consumer credit reporting agency, Trans Union. I finally had to file complaint with CFPB against XXXX and their reply was that they were sorry and will correct the data on mine an my wife credit reports for all XXXX bureaus. They changed it, but not to correct data. Trans Union needs to stop incorrectly reporting our data on the credit reports for the XXXX account and just remove it.

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 2015-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
In XXXX XX/XX/2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from XXXX last week. I sent several emails but have not received credit reports from Tranunion and XXXX. 
XXXX continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all XXXX bureaus but still experiencing the same problems today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed with transunion about accounts that did not belong to me and asked for an investigation. The investigation took over 30 days to complete and the results were the same which suggests that the investigation was incomplete.

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 2015-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As I am reviewing my credit report I see some items that are not mine. I 've never lived in XXXX and notice some credit information which I have created a police report in XXXX around XX/XX/2005. I also see some items involving XXXX and XXXX which are not mine as well. I will.like this matter investigated and cleared from my credit report. 
My contact is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I contacted the following agencies regarding inquires especially for a purchase of cars by phone. It states to contact the companies who are inqiring. The company 's are stating to go through the credit bureaus. There should be no inquiries on my credit report from the following companies 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. Most of the information is regarding a vehicle so my information must be viral online since I have n't been shopping for a car. When I called the company based on what the credit report states to follow up with companies on discrepancies. I received a very negative feedback as if I am not entitled to request it be removed. I want them to be removed based on me not requesting to have a credit check for a vehicle. Please assist me in the matter it looks like Trans union is allowing it but, I reported a fraud alert and to contact me on any inquiries to make sure that it is me. I just want them removed especially when I never gave permission there just using my information in there companies and I do not vehicle shopping. Thank you

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 2016-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I am filing this complaint against Transunion because they are not removing unauthorized inquires that do not have a permissible purpose. 

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : These creditors did not have permissible purpose to pull my credit. I did not engage them nor did they extend any lines of credit to me. 
Under U.S.C 1681n if the following inquiries are not removed from my reports since there was no permissible purpose I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 
You have violated the FCRA Section 1681b ( c ) Since you have listed this inquiry against me I am requesting that you either mail me a copy of my signed authorization form that gave the creditor the right to view my credit within ( 5 ) business days so that I can verify its validity. A request has also been sent to the creditor and they have not responded. 
Your failure to comply with my request within five ( 5 ) business days will be my evidence to use in Federal Court of your willful noncompliance [ 15 U.S.C 1681n ] and I will be seeking all damages listed above. 

the following inquiries do not meet FCRA guidelines and need to be removed immediately. 

1. XXXX. I do not have a car loan with them and never applied. My loan is financed through my bank. 
2. XXXX Never heard of them and I do not have any credit with them. 
3. XXXX. Never heard of them and do not have credit with them. 
4. XXXX. I do not know who these guys are and I do not have credit with them. 
5. XXXX. I have no idea who they are and I do not have any lines of credit with them. 

These are unauthorized inquiries and I asking for the 4th time that these be deleted from my credit report. Failure do so will result in my filing a complaint with the FTC.

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 2015-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
This is with respect to my experience with Bank of America, XXXX, NJ Branch. I contacted them for a pre qualification of a mortgage loan before I can put an offer on a house I was interested in buying. I made it very clear to them that this is just pre-qualification and asked them if doing it will have any impact on my credit report, and if it did then I do n't want to proceed with them. They made it very clear that this will only be a soft check and it will in no way affect my credit history/report. I went ahead with the pre-qualification with them based on this assurance. However to my surprise my credit history was affected as they run a hard check on my SSN. When I contacted them asking for explanation, the person said she was not aware of it and said she was sorry, but said there was no way to fix it. This happened on XXXX/XXXX/2015. I even complained to the BOA redressal cell, but never got a response back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: CA
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:
I co signed a student loan for my nephew. It 's a small loan and he now has a job and has been making payments. Even though payments have been made, I am called on my work cell phone repeatedly. And when I say repeatedly, it can be up to five times in one day. I 've also received letters threatening legal action. This is despite the fact that my nephew, although is late on occasion, has been fairly consistent in making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I received a statement from Capitalone in the amount of XXXX, plus XXXX interest on an unauthorized purchase from XXXX. The card in question, XXXX, expired in XX/XX/XXXX. The card has long since been destroyed. The service in question is a website : XXXX was closed back in XX/XX/XXXX and is unavailble for users. I have contacted the company by mail twice, and by phone once. The assigned a case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
B of A misapplied my early payments to principal paydown, then dinged me for late payments. Between XXXX/XXXX/15 and XXXX/XXXX/15, a CSR named " XXXX '' advised they would fix it and told me to send in {$100.00}. Later B of A still hit me for a late fee and did n't fix it. On XXXX/XXXX/15 I requested a pay off demand. B of A had another late fee included in the payoff of {$130000.00} as of XXXX/XXXX/15. I complained and on XXXX/XXXX/15 I spoke with an XXXX at " XXXX '' who said he would resolve my demand that they remove the {$38.00} late fee. B of A then re-issued the payoff demand on XXXX/XXXX/15 for {$130000.00} as of XXXX/XXXX/15 XXXX yes ~ {$180.00} higher! ) I called and complained. B of A ignored me. I spoke with a XXXX XXXX on XXXX/XXXX/15, who said he would resolve the issue. He never did, i called and left about XXXX voicemail messages for him over the next 3-4 days and he never responded. I also left XXXX vm messages for " XXXX '' who was purportedly XXXX ' supervisor at XXXX, he never called me back. I also left vm messages for " XXXX '' at x XXXX, he never called me back. 

I spoke with an XXXX XXXX on XXXX/XXXX/15 at around XXXX, she was unwilling or unable to resolve the XXXX {$180.00} problem. 

I was forced to overpay in the payoff demand, as the property was being sold. 
In addition, i made an inadvertant extra payment to B of A after the property was sold. 
I never received any accounting as to the overpayments and would like a full accounting. I received a check back but i believe this was only for the credit balance in the escrow account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-21
Company: Navient Solutions, LLC.
State: MN
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:
Navient has not provided me with an accurate XXXX Student Loan interest paid statement for my private Student Excel loan. Account number XXXX. When requesting a XXXX by phone I was directed to a customer service representative specifically trained in Private loans and was assured I would receive it in my email. The attached form was received and is not accurate nor a XXXX. 

I received a notice on the automated phone system that a self certifying form to confirm the interest paid for my XXXX was sent to my mailing address was correct but I have not received it yet nor is it available online for download. This is an unnecessary burden mean to discourage borrowers from receiving tax benefits for private loans. The XXXX should be available and should have been mailed to me since i paid more than {$600.00} in interest and capitalized interest in the 2014 tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Navient Solutions, LLC.
State: AZ
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 attended a school online. XXXX XXXX online. I applied for F.A.S.A I felt that I could handle the payments. When I stopped going to school, I was told the school closed. I called them the other day and only the online school I attended had closed. The people that I had received the loan from did not notify me of any bill or payment plan or management. A few months later, I received a paper from them saying this bill was paid in full. Then I was notified by Navient to pay up. My payments were XXXX a month. I had been on XXXX for seven years and was afraid I could not even get a job. i recieved threatening phone calls from Navient and told I would have my bank seized and would never be able to get another student loan. I was told where to find information about this bill. So I looked on their web page. They are charging me double what the school costs. They sent me a letter saying it was a federal crime to lie. So I am being cheated and do not know how to get out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Navient Solutions, LLC.
State: IL
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 husband has XXXX because of cost of XXXX we were forced into chapter XXXX Navient did not notify us that they refused the BK court ruling until XX/XX/2016. We contacted them they said we could pay {$50.00} to defer payments for 3 months to give us an opportunity to resolve the issue. XXXX 's credit report shows paid in XX/XX/XXXX then XX/XX/XXXX 60 days late??? So after a BK showing a late payment ( which I have sent them ALL supporting credit reports ) we have no chance to purchase a car, home or anything else. They refuse to correct their mistake on our credit. We were not late and the minute we were notified we contacted them and paid the fee to defer for 3 months. We would just ask that Navient removes the 60 day late off of Our credit as this is an error on their part. Obviously if we were current in XX/XX/XXXX we could n't be 60 days late XX/XX/XXXX. Please help us remove this from our credit! My husband has XXXX. He has been so worried about this. We only want them to report it fairly. Thank you so much I pray you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX, I 've initiated a transfer in the amount of {$820.00} from my checking account with Bank of america card # ending in XXXX to a business account for XXXX with account # XXXX. The recipient account never received the funds and subsequently I filed a claim with Bank of america asking for a refund. Since then, I have n't received any meaningful communications from bank of america on when i should get a refund. I need the funds to be credited back to my account and bank of america has n't been responsive enough. I am not satisfied on how bank of america is handling my claim and the burden being caused on my finances by bank of america not immediately crediting my account while continuing their never ending investigation.

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 2016-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
Product: Credit card
Issue: Billing disputes

Complaint:
Both my wife and I have a credit card with Bank of America. I logged in to pay today and noticed that both of our accounts show a different minimum payment due on the main account summary page than when I go to the make my payment screen. I have an example as well I can supply. Neither account was past due so no reason why my minimum payment should be different.

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 2015-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I paid for medical services with my credit card ( XXXX XXXX XXXX Signature card ). At the time of payment, The Hospital offered a 20 % discount off the bill if the bill was paid before my wife left the hospital. I paid the bill which was {$910.00} ( {$1100.00} minus XXXX % ). Insurance covered more than what The Hospital had calculated because my wife met the out of pocket maximum, so I overpaid. I contacted The Hospital providing all the calculations and how they owed me {$250.00} as a result of the over payment ( actual bill was {$830.00} minus 20 % or {$660.00} XXXX {$660.00} minus {$910.00} is {$250.00}. The Hospital refused to offer a refund so I immediately contacted my credit card to dispute the overcharge. I provided all the necessary information that Bank of America requested in a timely manner, well under the 120 days required by law. Bank of America sat on the request and did nothing. They gave me a case number ( XXXX ), but did absolutely nothing. They did not contact The Hospital ; they did not contact me for clarification ; they did not explain anything in terms of why they would not resolve the case. They just sent me a letter saying it was too late. Bank of America did not do its fiduciary responsibility of investigating the dispute. 
This all happened over many months from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

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: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Regarding Reference # XXXX, Bank of America is stating " Unable to Verify Information ''. All information/documents came from either Merrill Lynch which is owned by them or the Federal Government. I provided them with my tax statements from Merrill Lynch, Social Security statement from the U.S. Treasury and certified tax returns prepared by my CPA and were approved by the IRS. 
I believe that the real reason for my decline is racism. I have a fiance ' that lives in XXXX XXXX. This is a real fiance visa matter. I am represented by the Law Offices of XXXX XXXX located at XXXX XXXX XXXX XXXX Nevada XXXX, ( XXXX ) XXXX a prominent immigrations attornorney and have case number XXXX at the U.S. Embassy in XXXX XXXX. In XXXX when you get a job handling money they hold on to your passport, so she could not work while going thru the finance ' visa process so I had to help her out financially. Bank of America noticed my XXXX XXXX money transfers to her and kept questioning me about it. She is XXXX and from XXXX. On XXXX at XXXX XXXX I got a call from the loan department stating to me " so this is a sham marriage ''. Again, the reason for the decline is racism and not the ability to verify my application information.

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 2017-03-07
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:
My loan has been transferred to navient ... .a while ago ... 
When I started with navient and with my old loan company I was able to repay my loans individually ... .as I have XXXX remaining .... 
navient has changed their policy so I can not pay the XXXX loans I have with them individually unless I call in every time I have to pay. I wanted to repay the loans individually so that I could overpay on XXXX loan only ... .not XXXX so that I could finish paying off XXXX of the XXXX loans first and then pay the other ... I was able to pay that way originally and I feel I should still be able to since they are individual loans that I took out at different times. Therefore, why can i not pay for them individually? That is ridiculous ... the loans have different identification numbers yet I am forced to repay them online or by mail combined ... .that is not fair or just ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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