BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I sent a request to delete an item on Transunion after I paid balance for XXXX XXXX ( XXXX ) account and has been paid since 2020.

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 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Friday XX/XX/XXXX at XXXX, I attempted to deposit {$2500.00} of cash into a Bank of America drive-through ATM ( 24 {$100.00} bills, 5 {$20.00} bills ). The ATM timed out after about 10 minutes and only credited me {$300.00}. The address of the location is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. 

I went inside the branch to file a complaint, but they told me to call the claims number and provided me with the number. 

I called the claims number and filed a claim. Since I was only credited for {$300.00}, the claim is for the remaining {$2200.00}. Every time I try and get an update, I am told to wait 45-90 days for a resolution. I have also not received a provisional credit for this, despite being told I would be when I filed the claim. 

I was moving this money from my XXXX XXXX XXXX XXXX account to my Bank of America account, so I have a paper trail of my withdrawal from XXXX of {$2500.00}. I also took a video/photo of the Bank of America ATM screen because it was spinning for an unusual amount of time. 

I have attached the photo of the Bank of America claim number, a photo of the ATM screen, and a screenshot of XXXX XXXX XXXX XXXX account that I withdrew {$2500.00} from to deposit into Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-05
Company: Eagle Financial Services, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
got a XXXX dollar loan 13 yrs ago and they just now came after me how do I XXXX them over

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be 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 non-monetary relief
Consumer complaint received 2021-11-11
Company: Central Portfolio Control Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered a collections account on my XXXX credit report and I didn't recognize it. The amount reported is {$3900.00} opened on XX/XX/2021. The reporting agency is shown as CENTRAL PORTFOLIO CONTROL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX My 1st response was disputing this account, as I've no knowledge of it and its not mine. The resolution was not in my favor so I further researched this agency and contacted on XX/XX/2021. 

I contacted via : Website communication XXXX XXXX XXXX  Personal email to XXXX A response was given to my correspondence via website but not to my communication attempt via personal email, which contained more verifying information than I provided on their website. 

Their response : Hello, We are more than happy to help you out, but we are restricted to share information via email without verifying some information and capturing your consent over the phone. For further assistance please contact our compliance department at XXXX or XXXX Thank you XXXX XXXX XXXX XXXX XXXX Central Portfolio Control Inc . 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX Direct : XXXX Toll Free : XXXX Fax : XXXX Email : XXXX I called both numbers provided and it went to a voice-mail that stated it's belonging to this XXXX XXXX XXXX I left a message and a return call was incoming within moments from a different number than that provided. As I'm unable to verify the validity of this agency and person from an inbound call our communication was limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 at XXXX eastern time, I obtained my most recent credit report from all ( 3 ) credit bureaus whereas this account appears that I have no knowledge when or where this account was originated.

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 2018-12-31
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have just finished my second XXXX XXXX XXXX and my income currently is from my XXXX as I am on a XXXX  which will end in XXXX. I am also XXXX XXXX XXXX XXXX to help pay the bills, though only make {$500.00} a month. My Navient loans were all accrued when I was an XXXX 10 years ago ( they were then Sallie Mae ). The more money I pay, the more money I've had to owe. It's sad to see that I've spent thousands of dollars to pay off a loan only to find the balance is higher! 

As I was getting my first XXXX  's, Navient told me I could not do an in-school deferment and that I had no option but to use up my forbearances ( which were used up due to being in school ). My loan payments were still too high for me after school so I've been on an interest only repayment which is about to end in XXXX. I've made all the payments on time and Navient is my highest loan bill -- even at interest only repayments. I have received emails since XXXX saying that my new payment would be in the next billing statement, which had never happened. When I called about this they said there's nothing I can do until that statement is generated and only then could they figure out what options I may have. At first I thought my new payment was almost the same as my interest only payment when I looked at the statement, but then realized the new payment amount still hasn't been generated and I'm struggling just to pay this interest! 

I recall years earlier when I had to use up my forbearances on XXXX XXXX and asked what my options would be if I got into a financial bind in the future but couldn't use the forbearance because they had to be used up in school. I just wanted to know what my options might be. They said there was nothing I could do but not to worry because I wouldn't go into default for 90 days -- as if that could somehow make things better? 

My student loan payments ( in total ) are more expensive than my rent and Navient 's is the highest that I have. I know they told me that if I do a lower payment it will have increased by {$20000.00} but I am in a bind because I'm just trying to afford ANY payment. I will never buy a house or have a family because this is so overwhelming and if I can barely afford to just survive, how could I afford that? These loans from Navient ( then Sallie Mae ) I took out as an XXXX at XXXX, thinking afterward a full-time job could help me make the payments, which has not been the case. It's sad to look at Navient 's website and feel relief at reading that my loans could be discharged due to death - to be so stressed out about paying student loans that death is a comforting option when you realize you're only living life to pay your loans and will have to work so many hours there's no time for anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Misleading information on title loans. Predatory Loans provided in a state " WA '' that has laws that prohibited XXXX terms and interest percentage caps. Reported a different larger amount barrowed and loan month terms to credit bureaus at 36 months. When. Was told it was 30 day loan. Disputed with credit bureau 's and was awarded it to be closed and removed. Then they reopened it and reported it to the credit bureau 's That I made payment. And it was delinquent or late and owed {$20000.00} plus to the credit report. Shortly after closing account.

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 2017-04-10
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was having XXXX ( XXXX/XXXX ) as my lender since XXXX XXXX. They transferred it to Nationstar Mortgage , LLC during end of XXXX stating that payments from XXXX will be done by new lender. Nothing happened - neither the new lender contacted me nor the mortgage payment happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Bread Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
15 usc 1681 Section 602 States I have the rihjt to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A credior may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Last month, I was charged {$14.00} by Experian Credit Monitoring Services for their credit monitoring system. I never signed up for this service. In fact, they charged my brand new checking account that in no way was given to them -- not even all of my bills and subscriptions have my new account yet. 

I actually deleted my membership account on XX/XX/XXXX ( confirmation email attached ) because I have credit monitoring for nearly all major credit cards. I, myself, never enrolled in their service and never got a confirmation email of the paid enrollment. So not only was it not actually deleted, but somehow I was automatically enrolled and charged for the credit monitoring service. 

I called them and their automated system does not have a pathway to dispute membership charges or even information on how to delete the account. I asked for an agent dozen and dozens of times and was told by the automated system that I only can speak to an agent for specific things ( what those were, they never said ), even though it's within their business hours. I can't even remove my debit card information from their site so it doesn't happen again. 

So I am filing this complaint not because of a fraudulent charge, but because they never actually deleted my account, and somehow got my brand new checking account information. Why would I update my billing information if I thought I deleted my account in XXXX? 

I sent them an email, so hopefully I am able to get some further information, but I am disgusted that I am now a consumer with one of these nightmare experiences with a large corporation. Thank you for reading and accepting my complaint. Please let me know if you need any additional information. 

I have attached the email that confirms my account deletion in XXXX. A screenshot of my Experian existing account, which shares the same email of the account that was supposed to be deleted ( showing they never actually deleted my account ), and the charge that occurred in XXXX. 

Thank you for receiving my complaint. 

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 monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2018-12-31
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Chase ( XXXX ) Auto Finance reported a payment to both my credit report and my wife 's as 30 days past due ( 33 days to be exact ). The account was under SCRA protection, as I was on XXXX XXXX with the XXXX during the month of XXXX. During the month of XXXX two payments were made on the account by my wife. However after making the payments she wasn't sure they both would count for monthly payments. She called Chase and was informed one was a mistake and would not count for a monthly payment. She was then sent a refund check for one of the payments. I now know that after spending 2 -3 hours calling Chase today that had the second payment been left, it would have counted and we would not have been 30 days past due. I'm also upset that I notified Chase I'd be on XXXX XXXX and in the past they've always made the effort to call me if a problem with my account. This time they just let it go past due and reported it to our credit. In addition, my wife did try to make a payment on XX/XX/XXXX to alleviate this but it did not go through on the application and unfortunately due to my absence and later return, along with the holidays she did fail to check. Regardless I feel that to some degree this late payment is on Chase as we were given a refund which made our account past due also I was never notified about a delinquency. Finally in talking to Chase today I was told by one Credit Bureau Reporting Specialist " XXXX '' that this information was wrong and it was not reported to the credit agencies only to find out that it was in fact reported. I feel like I was deceived and told this only to get me off the phone. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Account # XXXX DELETE THIS ACCOUNT OFF MY REPORT XXXX  Account XXXX DELETE THIS ACCOUNT OFF MY REPORT Inquiry Name. DELETE OFF MY REPORT ( Miscellaneous and public record XXXX XXXX U.S. Code, 15 U.S.C. 1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.

All of these accounts below YOU ARE BREAKING THE U.S FEDERAL LAW 15 USC 1666 ( b ) Billing error : law states late payments shouldn't be reporting without my CONSENT!!!

15 USC 1666 ( a ) Timing or payments A creditor may not treat late payments on a consumer report for any purpose 15 USC 1681b Permissible purpose : by law you have no permissible purpose to contact 3rd parties with my privacy or personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete late payments off my consumer report!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXXXXXX XXXX has a collection for {$420.00}. I canceled them because they were too high and I got XXXX I have contacted both but its still on my credit report. I disputed and they dont investigate. They always believe the perpetrators.

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