BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
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:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX have violated my consumer rights and caused me severe stress and anxiety due to their inaccurate reporting and their willful non-compliance of my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-02-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Enrolled the income repayment plan and Navient told me my payments apply to the interest only. I had a bankruptcy in XXXX because of undue financial hardship, Navient placed forbearance 5 times, I have used up all my forbearance for the 18 years having this loan, which applied over 40,000.00 in interest and fees over this time. Navient took over my loans in XXXX from Sallie Mae. Sallie Mae had my loans since XXXX. They also placed me in forbearance holds and payments applied to interest alone, never principle, accumulating over {$20000.00} in interest alone from XXXX to XXXX. My loan to date is a total of {$230000.00} between my federal loans. This does not include {$30000.00} of private loans with 1 co-signers on two of my private loans, which are also in income based repayment status. I have never defaulted on my loans I believe my loans should have been included in my bankruptcy that happened in XXXX and again when I was part of the public service forgiveness program. This never happened, nothing happened to help decrease this loan because I couldn't afford the outrageous monthly payments they offered me. Instead, I paid towards interest and accrued more interest with forbearance, which has made my original {$120000.00} loan, now a {$230000.00} loan. I am seeking justice against this fraudulent issue and misleading information against Navient and the Universites that placed me in this unfair position with a never getting out of this cycle of student loan debt. In top of all this, I had reached my financial aid limit when attending XXXX Universitys Online XXXX program and could not afford to complete my XXXX after, 2 classes shy of my XXXX   after attending that University from XXXX to XXXX. I didn't retain my XXXX. XXXX University only provided me my transcript after my bankruptcy in XXXX. They held any proof from me attending this school, which I had paid {$100000.00} to complete their online courses with signing financial aid forms and fraudulently requiring to do this in order to obtain my XXXX. The end result is I have no XXXX   and I am swimming in financial aid debt for the rest of my life. I am currently a XXXX XXXXXXXX with an XXXXXXXX XXXX XXXX in XXXX, Texas and homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am currently working with Quicken Loans for an FHA mortgage. My issues started on XX/XX/XXXX with this company. 

In the contract from the seller, it states that I have already made a down payment of {$10000.00} dollars. Which means I would not need an additional down payment. Quicken Loans refuses to accept this. 

On XX/XX/XXXX, I was told that all of my asset verification documents were not accepted. I was given {$3000.00} dollars by my parents as a gift to use for the additional down payment Quicken Loans was requesting. All documentation was verified. And Quicken Loans rejected it. I have sent 3 months worth of bank statements, was told this was n't acceptable because they could n't verify where the money from my parents came from, when documentation and proof were given as they wanted. So I was told they needed 60 days worth of documentation from my bank again. I had {$2500.00} in my account, and they knew exactly where it came from, between my employer and my parents and refused to accept it. They keep changing how much I have to have in my account. I have to have {$2200.00} dollars in my account to close. I have over {$2500.00} dollars in my account and they refuse to accept it. Told me to wait two weeks so I could get two deposits from my employer and that would be acceptable. 

I have done EVERYTHING they have asked and they keep jacking me around and denying everything I send. I feel they are scammers. I never, ever had this issue buying a house before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CU Alliance, LLC
State: MO
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:
A Creidito shows a hard inquiry, Alliance, CU. I have not filed for credit with above mentioned creditor nor gave permission for credit check. This impacts my credit score. Request this creditor remove themselves from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Twice this year I had a " mixed file '' issue with another person resulting in a sudden drop in my XXXX XXXX. I was told that " further research '' was needed to prevent the issue from happening again and that I should have been contacted after the first case. I have received no correspondence regarding the root cause of the issue.

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 2022-08-04
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, a representative from Klima, Peters & Daily stated that a sheriff would serve me in my home with a court order and that I was in serious legal problem. I was informed that Klima, Peters & Daily had already processed the court order claim and that I should have checked with the court for my hearing date. She added that the hearing court had passed, and the sheriff was coming to my house. I mentioned that I should have received prior communication from them when filing a claim with the court. The lady was adamant in repeating that I was in serious legal trouble.

I had contacted Klima, Peters, and Daily in response to a letter from them explaining that I had filed a cease and desist letter in XXXX to a prior collector for the same debt. I further explained that I had been a victim of credit fraud and the charges were not mine and that I had filed my case with the FTC and Virginia

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: CA
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:
In the month of XX/XX/2020, I discovered that there was fraudulent information/accounts on my personal credit report and I researched how to correct this information to move forward. I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, XXXX, XXXX XXXX and Equifax via certified mail with tracking numbers which cost me approximately {$37.00} to do this. XXXX  Certified Tracking Number : XXXX, XXXX XXXX Certified Tracking Number XXXX and Equifax Certified Tracking XXXX. I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. Today, XXXX XXXX makes this well over the 30 day mark and it is now 59 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$110.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, 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:
The is a public record showing on my Equifax and XXXX  credit profile detailing past Bankruptcy- XXXX for XXXX and XXXX. They were both dismissed, nonetheless they show up on my credit report. 

This is unsolicited data and it shouldn't be data-mined and sold to reporting agencies and subsequently end up on my credit report. In the past I have asked these Credit Bureaus to remove these items from my report. I have spoken to the clerk of the court in which I have filed and they ensured me that they don't report this information to credit bureaus and the only way that it could be obtained was through data mining.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: IL
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:
Ive been in contact with all 3 credit bureaus regarding this matter and they have ignored me. Ive reached out to them, XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. The bureaus have lied to me and have not done their due diligence to verify the accounts in dispute.

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 2020-02-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a inquiry from XXXX on my Equifax credit report from XX/XX/2019 that was not authorized. I attended a spring fair around that time and one of the vendors was XXXX. I did stop in front of the booth and look at their display. The sales rep asked me if I had a home security system and I told him yes we did. He began to explain the XXXX system and pulled out a piece of paper and wrote down a list of equipment with pricing. He told me he would call his supervisor and see if he could provide the equipment for free and asked me to complete the personal information at the top of the form. I told him I was not interested and he said he understood and then asked me to complete the personal information again because credit for just speaking with me. I did provide my name however I drew a line through the lines address and social security number and specifically stated I would not provide that information because I was not interested in switching security systems. He thanked me, gave me his card, and told me to call him if I ever wanted to switch. I didn't keep the sales reps card because I wasn't interested in the XXXX  security system. Upon reviewing my credit report a few weeks ago I see there is an inquiry from XXXX a day after I was at the fair. There was no reason they should have requested a copy of my credit because I was very clear I wasn't interested in their product. Also, how did they request my credit when I didn't provide them with my social security number and I intentionally marked through those items on the form? I tried contacting XXXX and a representative was supposed to call me back however I haven't received a reply. I want this inquiry removed and would also like to know what options I have for compensation from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a forbearance agreement due to covid-19 this forbearance is about to expire in XX/XX/2021. 
I submitted a loan modification request on XX/XX/XXXX, Chase only took few days to tell me that because I'm self-employed I don't qualified to obtain a loan modification. I ask why they did not have a valid answer. 
I re-applied back on XX/XX/2021, to obtain the same answer from chase. 
they only said I can only due a repayment plan, this repayment plan was for {$3500.00} in an amount that I can't truly afford. 
I ask who was my investor? they answer that XXXX XXXX was in fact the investor on my loan. when I look up XXXX a tool to see if XXXX XXXX owns the loan in fact XXXX https : //loanlookup.freddiemac.com/** the XXXX XXXX web page it's said that XXXX XXXX XXXX not own the loan. 
My intentions were never to fall behind any of my payments, I'm a realtor and work hard to provide for my family. due to the pandemic I was not able to show houses for almost 7 months, this is the main reason why a fall behind on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I'm a victim to online rental scam ( happened through XXXX in US ). The person ( identified herself as XXXX XXXX ) responded to my post and mentioned that she is looking for a rent ( She also sent me a CA driving licence, later point I noticed that it was a FAKE one ). she also mentioned that she will send me a check given by her company and she wanted me to help her by returning her excess money which she referred it for re-location and travel expense. 

I trusted her and after depositing the check ( {$7900.00} ), and the amount got posted to my account. After this, I transferred her back {$3000.00} ( through XXXX as a first installment, in intent to help her- Email id to which the money was sent was XXXX ). But on the same day, the check showed as returned. 

Few days later, I got a mail from bank of America, saying that the check was returned because, it was a blocked/frozen account. After seeing this, I XXXX  and found that it was a HAWAII RENTAL SCAM and raised a claim with bank of America and they mentioned that the target bank was XXXX and they will try to get the money back. but got one more mail during XXXX, that my claim is not approved and they wanted me to contact the scammer to get my money back. 

After few days of this money transfer, the SCAMMER stopped responding to my messages. Now even BOFA is not helping me in recovering my funds. 

Now I don't know how to get my {$3000.00} dollars back. Please help in getting the same. 

I have the email and message conversation of this entire incident with me ( if needed ). 
Please do let me know if more info needed on this regard. 

Thanks in Advance, 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 explanation
Consumer complaint received 2018-06-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Yesterday, XX/XX/XXXX at approximately XXXX, I used my ATM card ( Chase Bank ) to deposit {$60.00} into my personal checking account ( ensuring, that my check # XXXX in the amount of {$59.00} " cleared '' ). However, I learned that my account was unlawfully in the negative leaving a - {$43.00}. Previously, I have informed the Chase Bank representatives and Manager in the Collection Department to CEASE and DESIST their unlawful and discriminatory practices concerning my personal checking account ( monies ) ; however, their unlawful practices towards me and my personal checking account have continued. I spoke " again '' with the Chase Bank Collection Department Manager, Supervisor 's and Representatives requesting, that they CEASE AND DESIST any and all withdrawals from my " personal '' checking account ( to pay for another consumers issue 's with them ). However, the Chase Bank Representative 's REFUSE to comply ; therefore, violating the XXXX Compliance Guide for Banking and my CIVIL RIGHTS ( based on my previous complaints and my XXXX status ). I am " again '' requesting ( via this complaint ) that Chase Bank REFUND all of my monies unlawfully deducted from my personal checking account ( transferred for another consumers debt with them ). All supporting documentation will be faxed to the CFPB. Any and all personal and private information accompanying this complaint is to be kept with the CFPB and is NOT to be published or sold by Chase Bank or their subsidiaries!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Have a copy of CERTIFICATE OF DEPOSIT ( CD ) opened XX/XX/XXXX XXXX XXXX   marked New/Permanent CD for {$45000.00} joint account. XX/XX/XXXX went to Huntington Bank in XXXX, Ohio to check on CD due to the other person on the joint account passed away, XXXX got back with me in 4 days and informed me there was no records on this CD and to check with the Ohio Bureau Of Unclaimed Funds to which myself had done, thus there is nothing on file with the ( OBOUF ). Then I went to Huntington Bank in XXXX Ohio the first week of XX/XX/XXXX to see if someone else could give better answers. Spoke with XXXX XXXX about this CD, she informed me that at this time frame XX/XX/XXXX Huntington Bancshares Acquisitions took over XXXX XXXX and that she knew the person that opened this CD and she did some computer checking and asked the other XXXX XXXX question on this matter to where she researched this matter, thus XXXX XXXX found nothing on this CD and that she would look into further an that it would take more than ten working days. plus she made copies of the CD, so now it's XX/XX/XXXX sent a e-mail to XXXX XXXX on this matter and there is no reply. Ever since this CD was opened all mail and notices should have come to me and not the other name on the CD, thus there has never been nothing sent to me since the opening of this CD. I have this copy an they have no records. If this account was closed/dormant by Huntington Bank. they should have notified me and send a OUF form to the ( OBOUF )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX is in VIOLATION of Under 15 U.S Code 168c-2. 

They are illegally purchased a debt in my name from XXXX XXXX without my permission. 

Since they are in violation of FEDERAL law this must be removed from all three credit bureaus and insist they stop the harassing calls and communications which is also in violation of FRCA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: WELLS FARGO & COMPANY
State: FL
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:
All these letters were sent out to creditors advising them to please remove on authorized hard inquiries from my credit report. I have not authorized anyone to place a hard inquiry on my credit report nor am I from money with either of these companies. I have n't heard any responses from anyone and it 's been well over XXXX months since I sent those letters out. I would like for these unauthorized inquiries to be removed from my credit report as it is damaging and hurting my score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was informed that I was a victim of identity theft and was instructed to obtain my credit reports from all  XXXX  credit reporting agencies. I had no problems accessing  my  XXXX  &  XXXX  reports but get denied access by Equifax. They ask half a dozen security questions before allowing you to view it. All the security questions Equifax asked were regarding accounts I have no knowledge of preventing me to answer them correctly. I contacted Equifax directly asking how to handle the issue and they told me my only option was to send copies of two forms of ID ... Social Security Card ... by regular post mail. I explained I was n't comfortable sending those private documents through regular mail since I was just a victim of identity theft and have experienced problems with lost items by the USPS. The woman at Equifax said I had no other choice. Equifax denying me access to my credit report is preventing me from obtaining information I need to resolve the identity theft matter. I was recently denied a new job because of the unknown information that my credit report contains. The industry I work in relies heavily on consume r reports in the hiring process.

Company response to consumer: Closed with explanation