BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On  XXXX / XXXX / XXXX  I purchased a  XXXX   XXXX   XXXX  from  XXXX  but end up getting finance thru Santander.   My original loan amount was for  XXXX  according to my credit report.   Back in  XXXX  Santander offered me settlement amount due to non-payments and becoming  XXXX   XXXX .   We both agreed if I pay the amount by that specific day (  XXXX / XXXX / XXXX   ),  it will be a "  XXXX  '' balance and deleted from all  XXXX  credits bureaus as paid and closed due to my disable situation.   I paid the settlement offer that same day on  XXXX / XXXX / XXXX  and they told me that they receive payment and also sent me a letter and they told me it will be closed and deleted on my credit reports within 30 days  ( that never happened ).    I been calling them for weeks lately and asking why is this still showing up as a charged off and not being deleted like I was PROMISED.   ALL The representatives that I am speaking too, keeps transferring me to many different departments and representatives, " NOT '' solving the problem and can not answer my questions.   NO ONE seems to have a answer for me, all they keep telling me I NO LONGER HAVE ACCOUNT with  Santander  and that my ACCOUNT IS CLOSED.   So if this is the case, why wont they delete this off my credit report like they agreed to do, and everyone I am speaking too keep telling me the account is PAID AND CLOSED upon their records, but that is not what is being reported on my credit report and the FCRA states its suppose to be true and accurate information on what was agreed between the company and I.   This company is very DISHONEST, RUDE and has lack of customer service skills!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2023-11-16
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had a credit card with Banana Republic since XXXX. I have never had an issue with the company until they sold the card services to Barclays. I received a bill for XXXX that stated I owed {$140.00} and that the payment was due XXXX XXXX XXXX. I made a payment on the payment due date. This is reflected in the XXXX XXXX  statement provided by Barclays. The XXXX statement also shows a {$0.00} balance. I was shopping the first week of XXXX and tried to use the card and it was declined. I called to inquire about the issue and Barclay 's said that my XXXXXXXX XXXX XXXX  payment was reversed due to my bank information being incorrect. I had not received an email, call or letter regarding this payment issue. I went online and immediately paid the balance of {$14000.00} using the stored bank account information in the Barclay 's system that I had used to make the same payment in XXXX. I have called Barclay 's three times to try and resolve this matter because they reported this issue to the credit agencies and labeled me as delinquent. This filing led to my credit score dropping XXXX XXXX. Barclay 's explanation that the bank account information was incorrect is not supportable. I have had the same account information stored in their system for over a year and have made numerous payments without issue. Further, they failed to inform me of this error to give me an opportunity to correct the payment that they claim was reversed. I have asked them repeatedly for documentation to show the payment was reversed and they will not provide it. Their representative said they mailed me a letter to notify me, but I never received this letter. I have closed this account as I am not comfortable doing business with this company based upon this incident. My request is for them to rescind the delinquent account notice to the credit reporting agency. I made a payment by the payment date of XX/XX/XXXX. My XXXX statement shows a XXXX balance and they failed to notify me of any issue. Without any notice, they filed a report with the credit agencies. I am seeking assistance as their customer service team refuses to offer any resolution or further review.

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 2017-05-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called each credit bureau and requested my credit report updated with correct information. The personal information has not been updated and my credit report continues to reflect incorrect information.     The only address that my credit report should reflect is :  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: Home Loan Center, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I was told to purchase {$200.00} worth of  XXXX  cards and to read the scratch off numbers on the back of them off to them and I would get a loan of  XXXX  dollars refunding me the money for the cards they said they just wanted to get me familiar with the cost of paying the loan back so I did it and then they wanted me to buy {$400.00} worth of  XXXX  cards after that to proceed the final process and being my first time ever doing a loan I did n't know how it worked and not until they asked for the {$400.00} worth of cards did o realize it was a scam and I asked for a refund for my {$200.00} and they laughed and said noo and they sent mee texts and everything saying my loan was approved and it said the name of the company was lending tree and all of this happened on  XXXX     2017  and o was wondering if there was anyway I can get my money back as they left various numbers from which I called them from and they said they were in  XXXX  with  XXXX  and  XXXX  being the primary numbers they used with the managers name being  XXXX  and the other number the mans name was  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed unauthorized inquiries on credit report on  XXXX / XXXX / 2017  and  XXXX / XXXX / 2017 . The inquiries were not removed, nor did I receive a written response within the required 30 day time frame required by law. Many of the inquiries are duplicate inquiries.       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   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

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 2017-07-17
Company: Kimball, Tirey & St. John LLP
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and found tha t Kimball Tirey St John is re porting on my credit report for over {$6000.00}. On all  XXXX  bureaus it is reporting different amounts between $  XXXX  {$6800.00}. I sent a debt validation letter o n  XX/XX/XXXX  and  XX/XX/XXXX  with no  proof of the validation.  Kimball Tirey St John sent  an electronic response to all  XXXX  bureaus and never sent me proof of the debt. I requested name and address of original credit, copy of original contract, complete accounting information with fees, payments, interests, and charges, as well as the date of the debt. This debt is not mine, it is ruing my credit worthiness, and is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have Professional Debt Mediation reporting to the credit bureaus That I owe a debt from a rental property company ( XXXX XXXX XXXX ) I have never heard of or lived at. I tried disputing the account with all three credit bureaus several different time and I get nothing. I believe my credit report has been merged with someone with a similar name as mine. And I demand them to stop reporting false information to the credit bureaus and remove this account immediately. It is not mine. The next step is to contact a lawyer cause this is ridiculous I have to go through this.

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 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am in the process of purchasing a new home and was asked to get a statement on a previous 2nd mortgage that I have been paying on due to a divorce decree from 12 years ago. This 2nd mortgage debt has been sold to different entities and is currently serviced by Statebridge Company. 
I was trying to obtain a monthly statement on their web portal, but was unsuccessful as it kept erroring and logging me out. When I called to request one, they told me that since my loan was not secured anymore, they didn't have to provide a monthly statement. I talked with XXXX ID # XXXX and he was very rude in his explanation of why they would not provide a statement. I don't see any rules pertaining to exemptions for this scenario of mortgage loans. The Periodic Statement Rule is explicit on what is exempted and this doesn't meet any of those exemptions. 
( A servicer must provide a written statement to the borrower each billing cycle, usually monthly. ( 12 C.F.R. 1026.41 ) ) This may put my purchase of new home in jeopardy as the statement is being requested from my current lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: NAVY FEDERAL CREDIT UNION
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 XXXX XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the rights 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 creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The summary judgment acquired by the bank must be set aside as a matter of law. sps contends that we do not have any merit to ur complaint. Unless you can't read english or incompetent, or have an IQ laser then 1 % then you would agree with sps. see attached motion. The judgment contains an increase on the loan amount. Taxes were not paid pursuant to XXXX stat. XXXX ( XXXX ), XXXX ( XXXX ) ( b ) on the loan increase rendering the judgment a void. sps never had any enforcement. The court does not have jurisdiction over the matter. See attached motion and take the necessary action. sps must be sanction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2019 The last couple weeks I have noticed Chase Bank personnel deliberately acting criminal in their online work, and lying. I have been a customer 9.5 years and this last week, they tried to make me the problem and not them. I put an online transfer request in for $ XXXX for the date of XX/XX/2019, on XX/XX/2019, they emailed me saying they could not transfer, it was two days  early, I get paid on the XXXX, so it absurd, it was scheduled for today ... .. { account # XXXX } And all day today, I had to XXXX someone, and I put my correct password in all day and could not get into my online account, then I specifically took S half an hour and did it with a telephone online representative and I got a message they were not putting it through and citing me for suspicious activity ... XXXX Just an everyday account of a low income person who owes her sister money, and they will not allow the transaction, they are misusing their bank against me. There is no suspicious activity. A XXXX transaction, They are violating the terms of their XXXX contract, and mischaracterizing my account as " Suspicious '' They are refusing to do a legitimate banking transaction, online and straightforward.. Easily done and harming me as I try to pay a bill back. WRONG employees, who need to allow the transaction and not punish me, or so to speak Stop my account Perhaps they need to be reminded to do banking right for every single customer We are all equal and the same in banking law, it is looking at something intelligently instead of being a weirdo ... .... They gave me a Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Lending Club Corp
State: CA
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: Investigation took more than 30 days

Complaint:
XXXX   XXXX   did n't replying in a timely manner to my initial letters, or have they to date after  4 c ertified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action (  or in-action ) on their behalf has resulted in a small claims action against their company in   XXXX   XXXX  .     As well they did not place on my credit report that I was disputing the account.     I also am filing lawsuit against  XXXX ,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: AR
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 following accounts have violated my rights XXXX account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that 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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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