BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I agreed with the finance company to make an " interest only '' payment for two months. The company is reporting that I made a late payment. I 've contact the credit bureau to have it resolved with no success.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
My house burned down, I 'm trying to get it rebuilt. I have submitted all the documents that CHFA requested and was told that it would be XXXX5 days for it to go through review. It has now been 1 month and they still have n't gotten through review. They are holding my insurance money which they said was required because they have a vested interest in my property and wanted to be sure my house was rebuilt in a timely manner. I have a contractor and everything set for the rebuild and the only thing holding it up is CHFA. So the timely manner in which they speak must apply to everyone but them. My contractor is waiting for his downpayment so he can begin the work. My question is, why does CHFA not have a time limit in which they are given to process such claims? I am a law abiding, tax paying citizen and think I deserve better from my government, whose salary I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that All inquiries be removed. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/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 2016-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BUGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I purchased a XXXX years ago. I paid on time. Towards the end there was an amount due and XXXX gave me permission to make the last amount in payments. They messed up and marked me as late to the credit bureaus. In 2009 I received a letter stating they had contacted the credit bureaus and marked me as not being late ( see attached ). Every credit bureau except TransUnion changed their records. In the meantime I have dealt with the deaths of XXXX parents as well as XXXX. I am coming into some money and low and behold TransUnion still has not changed my score. This will affect my ability to buy a house. Please see the attached letter with a barcode from XXXX which proves beyond a reasonable doubt they did the right thing. Also please note all other credit agencies do not show a late. Only TransUnion. I want this removed from my credit score with TransUnion. This letter from XXXX is from 2009. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient/XXXX misallocated my payments, steered me toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. They never mailed me a payment booklet or coupon book so I never knew how much I owed. 
They have been charging me 9 percent interest for almost 20 years. I now owe quadruple what I actually borrowed back in 1995. They do n't even have an accurate account of how much I have paid over 20 years. I get no statement or emails from them. Only harassing phone calls and garnishment of wages even took place before I got laid off. 

What can I do? 
XXXX in Kansas

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I requested a prepaid debit card from XXXX, which is issued by NetSpend, so that I could have access to my funds paid to me by XXXX.I was denied the card, because NetSpend is saying I owe them {$72.00}, and would not give me an explanation as to why I would owe them money owe a prepaid debit card.I donot owe these people any money, and I need to know why they are saying I do? I believe this a scam.I ask them to send me an explanation, he refused?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Pulled a copy of my online credit report and found that my delinquent accounts are being reported beyond the 7 year reporting time as allowed by the FCRA. 
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 2017-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Several inquiries on my reports are unfamiliar and were not authorized by me. I have been victim of identity theft in the not so distant past. 

I disputed these inquiries only to be informed that inquiries were information that could not be removed as they simply reflect credit checking These false inquiries affect my score and if its information provided by agencies then it has to be removed if it 's not accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I checked my credit and my hard inquiries had been deleted. They have been added back on without any notice. This has affected my credit.

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 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX sent me a letter stating that they were reporting inaccurate information and would send an update to modify my credit file. XXXX XXXX stated, " XXXX XXXX made the business decision to remove the account. There will be no further collection activity, creditreporting or sale of this account. In addition, the XXXX credit reporting agencies havebeen notified to delete all reference to the account in question from your consumer creditfiles ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
customer service would not help and take care of the negative inquiries reporting to my credit report in which was caused by a glitch in trans union system. I was victim of their " inquiry issue '' and they have still yet to fix the problem which was caused by their end. 

XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX I Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XXXX Finance XXXX Show Details XXXX Banking XXXX Show Details XXXX Finance XXXX Show Details XXXX Miscellaneous And Public Record XXXX I Show Details XXXX Oil And National Credit Cards XXXX Show Details XXXX Finance XXXX Show Details XXXX Finance XXXX Show Details XXXX Banking XXXX Show Details XXXX Automotive XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Finance XX/XX/XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XXXX Banking

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 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There was a complaint filed against a collection agency ( XXXX ). This agency continues to reinsert a collection account to my credit report. The agency was provided with supporting documentation in regards to NOT OWING monies to XXXX. The dispute yielded a remark of " account information disputed by consumer, meets FCRA requirements ''. 
Still, the recent addition has brought my credit scores lower. I am tired of having to continuously challenge this agency 's abusive practices. I would like for actions to be addressed and reprimanded according to the consumer and credit protection laws.

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 2015-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX/XXXX/2015. I opened a dispute with Transunion due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the XXXX. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Transunion is legally required to conduct a " reasonable investigation '' of this matter. 4 days later on XXXX/XXXX/2015 Transunion " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Transunion did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Transunion to conduct a reasonable investigation, I demand that the report be removed from my account immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
- Continuous harassment - Threats of repossession for a paid for vehicle - Ignored a certified letter requesting XXXX to cease communication - Sent false information to all credit bureaus ; Sent negative information to a credit bureau before sending a bill for that debt - Refuse to correct false information after it become aware of their mistake and have acknowledged their error. 
- Never able to clearly state what was being charged, and why ; never provided a written consistent bill - Refused to deliver a title for a vehicle that is paid for since XX/XX/2010 - Still reports an account as " charged off '' when it has been paid in full for years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I HAVE NO IDEA WHAT THESE CHARGES ARE FOR. I HAD XXXX SERVICE IN XXXX 2009. MY PLAN WAS UNLIMITED TALK TEXT ETC. AROUND XXXX XXXX 2009 THEY BILLED ME FOR SOME XXXX CALLS CONCERNING A COMPANY NAMED XXXX XXXX??? WHICH I NEVER HEARD OF AND THE AMOUNT OF THE FRAUDULENT CHARGES WAS ALMOST {$300.00}. I DISPUTED THESE CHARGES VEHEMENTLY BUT THEY WOULD NOT REMOVE THEM AND DID NOT PERFORM ANY TYPE OF INVESTIGATION. I CANCELED MY SERVICE AND I DO N'T KNOW HOW OR WHY THEY ARE REPORTING THIS AMOUNT AS MY DEBT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a couple of accounts that showed as delinquent on my credit report since I could n't find any record of those accounts in my files. I asked them to provide physical proof of verification of the account or remove them from my credit report. Their response was that the account had been verified but did not provide either the name of the employee who verified the account or physical proof of the verification of the account. Do n't they have to verify the accuracy of the data reported not just report whatever is sent to them?

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 2022-10-19
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my balance in full using my XXXX  XXXX checking account for my Express ( clothing store ) Credit Card governed by Comenity Bank. This payment was a scheduled payment placed many days prior to the due date. The scheduled payment in the amount of {$46.00} was received by Comenity Bank and subsequently withdrawn from my bank account on XX/XX/2022. On XX/XX/2022, I reviewed my account using comenitys express credit card website. The website stated that my account was PAST DUE and showed no evidence of the XX/XX/2022 payment. My account stated that my last payment was XX/XX/2022. I called my bank, XXXX XXXX, and they confirmed the XXXX payment was sent and received by XXXX and officially withdrawn from my account on XX/XX/2022. I called Express Credit Card customer service ( comenity bank express credit card division ) and spoke to a representative named XXXX on XX/XX/2022 from XXXX XXXX  EST. He informed me that Comenitys system is untrustworthy, unethical, has many bugs and is flawed, never the less he assured me that although he has no record of the payment, it will reflect eventually. As I write this on XX/XX/2022, my account does not reflect the {$46.00} payment. I authorized this payment with the intended purpose of paying my credit card bill. Suffocate it to say, the money is missing and is not being used for the intended purpose. I sent Comenity Bank a secure message with a screenshot of my XXXX  XXXX checking account showing the {$46.00} payment. I have not heard anything since. Comenity Bank has now also unjustifiably charged me a {$2.00} finance fee, thus bringing my total loss to {$48.00}. Comenity bank has unethical trade practices. They received my money, lied and said my account was past due, charged me a {$2.00} fee ( and more most likely to come ) and has given no explanation as to where my money is. I cant imagine how many other people they have done this to. This bank should not be in business if they can not adequately process, record and reflect payments. It is irresponsible and reckless, not to mention unethical. My credit is on the line and so is my hard earned money. They need to be investigated for unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Both equifax and XXXX have my account with XXXX listed has charged off or repossesed. My car I got through them was stolen on XXXX XXXX and I have the police report to prove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When applying for a loan in XXXX of this year, I learned that TransUnion ( but not XXXX or XXXX ) had another person 's name, addresses, phone numbers, employment, and accounts listed under my file number with them and my social security number, as well as most of my own information. I wrote to them, but was unsuccessful in getting them to correct all of the incorrect information in my file until after XXXX more attempts through the XXXX. They have finally removed all of the incorrect accounts, but now list XXXX of my legitimate accounts as having been disputed, which it was not. I have spoken with that credit card company and assured them I had no dispute regarding my account with them and explained the nature of the dispute that I did file. I also had to deal with XXXX of my accounts being closed because it had an account number change and was erroneously included with the other person 's accounts with that company. 

This was not the first time that TransUnion had mixed my account up with this same person. It had previously occurred in 2006. I am extremely disturbed that because of the nature of this business I have no option of not doing business with them and they will be allowed to continue reporting my credit. I have no confidence that they are capable of correctly reporting the information they handle after the experiences I have had with them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief