BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint to seek assistance from you regarding inaccurate accounts on my credit report that are still reported in disdain of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX, XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$9000.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4400.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00} ; DEPT OF ED / XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : {$3600.00} ; DEPT OF ED / XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : {$1800.00} ; DEPT OF ED / XXXX XXXX Opened XX/XX/XXXX Balance : {$4400.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4700.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4400.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$3800.00}.

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 2023-08-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is regards to a filed fraud XXXX payment of XXXX $ I do not have any recollection of. This payment was made to a romell bell who I have no idea who that is. I tried to file a fraud claim with chase bank. Payment was sent in XX/XX/2023 to romell bell for {$800.00}. I then saw the payment I didnt make or was familiar with few days later and filed a claim immediately on XX/XX/2023. The bank then gave me temp credit back for the XXXX $ investigated claim and denied me and will be taking the XXXX $ back XX/XX/2023. I tried to works with them explaining my situation and still denied me and when I asked to redisoute I was denied and told I can fax or mail proof and I asked what proof can I send which is hard for a XXXX payment they said anything wont wouldnt sure my approval or help. Which is frustrating to get as Ive tried to figure out many things for proof but I dont know what would have sufficed. I tried working really hard with chase but still denied me and was met with rude service overall and got snippy with me when asking question and what I can do with the claim denial. This is horrible for a consumer like me trying to make ends meet in day to day life and if a bank cant protect me or my funds in these situations. I was denied because they show it was made via mobile chase mobile and had Face ID log in and I made sure to let them know that I had a jailbroken phone so I didnt require passwords. So a Face ID could have been easily made as my device did not at the time require passcodes and I did not make the transaction. I tried to negotiate about what I can do and all I get told was theres nothing further and claim is denied and now Im out XXXX $ I did not make to a XXXX XXXX. I even research that name and everything to see if family or friends knew of that name. Again I tried to ask who this romell bell was but they couldnt tell me or know any info on them. All i want is to have my XXXX $ back and safe and sound. I have taken further precautions and measures to not have this happen ever again as no one will have access to my device but me, I have removed my jailbreak on my phone so its no longer hacked and have secured codes on all devices and phones, as well as even chance my username and passcodes for chase and made complicated pass codes that will be hard go bypass. I even explained this with chase bank and yet there was no much more consideration or anything and I am at a loss and did not have any compromise or further consideration regarding my delicate situation. I do suffer from bad medical diagnosed XXXX and XXXX XXXX  and XXXX and this stressful fraudulent situation has not helped in the slightest and only for chase bank to make things worse and not helpful in the slightest denying my claim. So here I am trying to seek further help and try to get this claim situation and my XXXX $ protected and back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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:
THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX XX/XX/XXXXXXXX  TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear TransUnion Consumer Relations I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX DA have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX DA Account Number : XXXXXXXX  Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXXXXXX  Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$40000.00} Balance Updated : XX/XX/XXXXXXXX  Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : XXXX I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that TransUnion thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, 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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 2018-11-07
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have Parent Plus loans for my daughter, who is still attending school at XXXX. After she enrolled for summer semester in XXXX, Navient didn't put the Parent Plus accounts in deferred status, even though her own loans with Navient went to deferment. I have a payment plan set up for my own loans, which I was paying the specific amount as agreed to in the loans and had been sending a note delegating how the accounts were to be paid with each automatic-electronic payment. After many calls and forwarding enrollment info since mid-XXXX, Navient would not defer the Parent Plus loans, even though I sent proof that the student was enrolled. The school was also contacted with this information to send to Navient, and showed the student 's own loans were in deferment with Navient. During the next 4 months, Navient automatically applied the payments I made to my separate loans due for a specific amount to the interest due on the Plus loans, even though I sent memos delegating payment, putting my loans in " late payment '' status. They had actually been doing this for about a year, even when the Parent Plus loans were in deferment and nothing was due, that's why I had been sending the memos delegating payment. After 7 months of having to call customer service and have my payments redirected to the loans that were actually due as agreed on through Navient, no one could give me a reason why money sent was not going to loans in repayment and instead were applied to INTEREST of loans not due. It took me nearly a year to be able to set up an income-based repayment for specific those amounts due and since XXXX, I have instead been specifically going on-line to Navient, com every month to make custom payments as to ensure my payment was going to the loan as specifically intended and set-up by Navient. If you set up automatic payments from your bank on-line with Navient directly, money is pulled from your account and applied at Navient 's discretion, at any time. I fought with Navient for about 4 months about the Parent Plus Loans not being in deferment, but nothing was done by Navient and now they will not remove this from my credit, which will now keep me from being able to consolidate these loans after the next tax season. I have made formal complaints to Navient directly over the past 4 years about their ongoing deception. I have made complaints to credit agencies, FSA and even contacted the XXXX  about Navient 's unethical practices with no help. I have had NO problems credit or payment-wise with any other company except this one. I make payments in full up-front when offered, almost automatically- electronically through my bank and on time-every time. My credit proves that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had started to make weekly payments back in  XXXX , for {$50.00}.
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A total of 36 payments had been made, equating to {$1800.00}.
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There was then a repayment fee applied??? Thus, I was penalized for making payments on this loan: XX/XX/XXXX  -- Repayment Fee -- {$340.00} I had made numerous calls around that time to discuss the payments that I had made as well as the repayment fee. I could not get any assistance, nor see any of my payments being applied. There is no indication that any of my payments have reduced my principal balance.
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I had noticed another " repayment fee '' that was applied prior to that :  XX/XX/XXXX  -- Repayment Fee -- {$370.00} I had also questioned this, and was not able to get any explanation.
The account is riddled with random fees, such as " insurance premium '' and " adjustment ''. There is absolutely no explanation/indication as to what these fees are. Moreover, I am being penalized for making payments on this student loan?
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Again, I had just made a payment on  XX/XX/XXXX  for {$100.00}. This payment was not applied to principal. The entire payment was applied to interest. There is no indication of how this payment adjusted the total balance of the loan. The total balance of this loan has continued to grow, despite making the {$1900.00} payments indicated.
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It is near impossible to get a hold of customer service agent. If one is able to get a hold of an agent, they do not provide any information/clarification as to what is happening with this loan. I am being taking advantage of by this company in a very egregious way.
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The loan did not go into repayment until just now, indicating that my first payment is due on  XX/XX/XXXX  for {$37.00}. I do n't know what to do given that all my prior payments have disappeared -- and I was additional penalized by making these payments before the loan was due. This is absolutely unheard of -- and frankly an abusive practice.
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I have yet to see any of my payments being correctly applied to this loan, as well as yet to receive an explanation on all the " miscellaneous '' fees I am seeing being applied to the outstanding loan balance.
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My unpaid principal balance is showing higher than the initial loan amount. How is this possible?
Original Principal : {$10000.00} Unpaid principal :  XXXX  Unpaid Interest : {$570.00} Again, none of the payments I have made over the life of the loan have been applied. This was previously a  XXXX  loan, and there were payments made during that time as well. I have contacted my bank to obtain statements showing the payments made prior to the loan being sold to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 2017-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We have XXXX past due home equity loans with Bank of America that we have been trying to resolve either through a repayment or modification program since XXXX 2016. Bank of America has not been working with us in good faith since they found out that the primary lien with XXXX had been paid off. In turn, Bank of America has now moved the defaulted first home equity loan to the primary position. The second equity loan balance is less than {$600.00}. We sent a check to pay off this second equity loan and Bank of America returned our check and suggested we submit a loan modification application. 
We submitted a loan modification package in XXXX 2016 to try and modify the equity loan and our dealing with Bank of America has been nothing but nightmare. We contact lender at least 2 or 3 times a month for status updates. 
We have been working with XXXX who is our assigned account manager and she has given us several status updates that turned out to be untrue. For example, several times she had told us our file was in review and pending decision only to find out our file was not even active in loss mitigation or being reviewed by anyone. 
Recently, we were told that lender needed updated insurance certification prior to making a final decision on our request. Few days later we called and was told by another Account Manager, that our file was not active and she said she was going to escalate the file. That was the second time we had been told that our file was going to be escalated. 
We spoke XXXX who seemed very knowledgeable about our situation, he suggested the reason our file was being rejected is that the file was being submitted as a combination of both liens and since lender can not combine both liens, file would be rejected. He suggested we pay off the balance on the second equity loan which we had tried previous but the payment was returned. 
Bank of America would not accept a check to pay off the second equity loan and they are giving us the run around on the first equity loan. 
We requested to be assigned another Account manager who understands how to handle this type of situation. Since then, each time we call Bank of America, we are told we got the wrong department and they say they are transferring us to the right department and most of the time when they transfer us, it either goes back to the general automated phone system or the phone systems tells us that our call could not be completed and to please hang up. 
All we are trying to do is resolve our past due obligation and prevent further collection and late payment fees which have continued to pile on. 
Please help us. We are very frustrated and do n't know what else to do. 
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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2017-03-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There is car reporting on my credit that was a repo in XX/XX/XXXX. I reported back then that I did not authorize the buying of the car but nothing was ever done. I waited until XX/XX/XXXX seven years after the reported repo and ask that it be taken off but they want even allow me to investigate it claiming an investigation was done already. Will not give me the option to ask for another a car has been on credit for 9 years

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-08-24
Company: Experian Information Solutions 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:
Inquiries are on my report that I did not authorize. I put a fraud alert on my credit and creditors were still able to put inquiries on my report without giving me a call to verify that it was me. I do not recognize these inquiries nor did I apply for anything. 


XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX BANK XXXX XXXX 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