BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Here is the THIRD written formal complaint/DISPUTE to US Collections West and XXXX at XXXX XXXX XXXX XXXX for encroaching my rights as a consumer with multiple violations of False and misleading statements and attempting to collect on a debt amount that is not owed. 
I am disputing the following : The lease was terminated early due to a domestic abuse situation with my ex that took place at the apartment. The apartments were notified and given a copy of the police report and protective order ( that the Town of XXXX filed for me ) and the collection agency was too. 
The date on my written move out notice was changed to a month later without my knowledge/approval/initials. 
The eviction mark on my credit report. 
EVERY outstanding charge ( which I have already requested an itemized break down in writing on XX/XX/XXXX and was told by the apartments the records were in storage! ). 

To further add, I submitted my first written dispute in XX/XX/XXXX and received NO supporting documentation or even a sufficient resolution/explanation to the dispute. On XX/XX/XXXX I was provided a print out of an email from the apartments simply stating we verified the balance is still due for apt # XXXX. Completely bypassing the detailed dispute letter sent in XX/XX/XXXX that included the points above I am disputing. 
Then, XX/XX/XXXX I receive a letter from an attorney retained by US Collections West stating I am going to be sued for {$2800.00} unless I dispute the validity of this debt in writing they will assume it is valid ( I just did this in XX/XX/XXXX ). So on XX/XX/XXXX I submitted in writing via email to XXXX and a XXXX XXXX XXXX, XXXX who on her email signature states she is the Assistant Community Manager to XXXX XXXX ( apartment complex we are discussing ) re-disputing these remaining charges who she told me the records were in storage and XXXX hasn't responded or even acknowledged they received my dispute and are working on a resolution. I paid {$1800.00} in XX/XX/XXXX that was advised by a representative US Collections West ( which wasn't even the correct amount and have emails to prove that as well ). I have tried to make this right, but both the collection agency and the apartment complex are violating many rights as a consumer.

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 2020-08-28
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: JPMORGAN CHASE & CO.
State: WI
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 checked my credit reports and noticed the inquiry on there but have not done any business with this company. They will not remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by a lender ( XXXX XXXX ) other than who I orginally used for financing. That lender then contracted Loan Care to sub-service the loan. That was approximatley a month and a half ago. I have yet to recieve a welcome packet or any statements. After 4 hours of my life wasted, I was finally able to get something with a pulse on the phone. That person provided me with my account number and adivsed she would be mailing and Emailing a statement. I have yet to recieve either. I was able to set up and account online. Today, I attempt to make a payment and the login credentials that I set up are not being recognized by the site, nor are the temporary passwords they provided. I have been on hold for over an hour waiting for someone to pick up the line. I just want to make a payment .... 

UPDATE : I reached someoen who prompted me to do set up a new account. That did not work either. He then tole me he had never ran into this before and to call back after 5?? Maybe the intelligent folks work the late shift? 

My payment is due today. Ive yet to recieve anything from the company and have no way of making the payment despite every attempt.

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 2020-01-28
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: Kriya Capital, LLC
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:
I have disputed information on my credit report with Credence beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. 

XXXX has continued to report this invalidated information with is a direct violation of the FCRA. 

Credence has continued to report this invalidated information as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent a Certified XXXXispute Letter to Transunion XXXX XXXX # XXXX XXXX and it was received on XXXX XXXX XXXX XXXX days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-02-28
Company: EQUIFAX, INC.
State: SC
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 sent a Certified Dispute LetteXXXX to Equifax XXXX XXXX # XXXX XXXX and it was received on XXXX XXXX XXXX XXXX days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I do not meet the minimum requirements for federal student-to this day. The Department of Education confirmed. The information was sent to XXXX XXXX, the DOE, Federal Aid, and XXXX XXXX. All have agreed and confirmed that I was wrongfully granted aid. And that Navient overcharged and failed to provide documentation to support the loan amounts they were collecting and reporting on. I just received bills that I'll be forwarding to all of the above and the Attorney General-acting on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: M. G. Credit, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a notification that an account was added to my credit report. On XX/XX/XXXX I contacted MG Credit and spoke with a representative that advised that they do not have this debt. Per the credit reporting act the collection agency can not collect on a debt they do not own. Additionally, I was told by the representative that the debt was given to a company that was closer to where I currently reside and that I should contact them regarding the account. I attempted to find out more information regarding why this account was added to my report by MG Credit if they no longer own the debt. The representative refused to put me in contact with their credit reporting specialist and in fact became rude and nasty on the phone. 

I became aware of MG Credit attempting to collect a debt for a XXXX  office ( I last received services from this XXXX  office in XX/XX/XXXX, and believed to have paid off the company ). In XX/XX/XXXX, I contacted MG Credit and asked for a verification of debt, in doing so I provided the company with my current mailing address. I never received the verification of debt information and was told that the account would be placed in dispute until I received the documentation. A month or 2 later I received communication from another agency attempting to collect on the same debt. I called that company and again requested a verification of debt and was told that the account would be in dispute. 

Ultimately, MG Credit opened a collections account on my credit report though they no longer own the debt and without communication or providing the requested information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
There is a hard inquiry on my Experian report from XXXX on XX/XX/2020. I did not authorize this. I did not move or apply for any new apartments in 2020. There is no online mechanism to dispute this on Experian. There was another unauthorized pull of my credit on my XXXX report for a XXXX credit card that I similarly did not apply for around the same time. Suspect identity theft.

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 2018-02-21
Company: Meade Recovery Services, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a judgement on a XXXX bill by Meade Recovery. They placed liens against my house without notifying us. The debt was discharged in our bankruptcy filed XX/XX/XXXX. 
This judgement continues to show as open and paid on my XXXX report. It is discharged and closed. Judgements were discharged. Liens have been scrubbed XX/XX/XXXX. I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
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:
I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

XXXX : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) 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 non-monetary relief
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
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:
I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

XXXX : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have received a new XXXX XXXX credit card from Bank of America. I have never activated or used this card, but the bank immediately charged the yearly fees on the account. As I was not aware of it I did not pay any payment on the account as I expected the balance to be XXXX. Couple months later I was notified by my Credit Tracker application that Bank of America reported this account as 30 days past due. This caused my credit score to drop almost 100 points. I immediately called the bank, paid the total balance and closed the account. But they refused to withdraw the credit report derogatory information.

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 2020-08-28
Company: BARCLAYS BANK DELAWARE
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

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 2023-01-20
Company: EQUIFAX, 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:
My Identity documents, were lost in the XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have become a victim of Identity Theft, as a result. Effective XX/XX/XXXX, at XXXX XXXX  est, IAM, requesting Equifax, XXXX, and XXXX, BLOCKED AND DELETED, all fraud items below. LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. GravenXXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. 

EQUIFAX : Addresses : 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am resending this complaint due to the fact that some of the data provided was invalid and incorrect of my payments. I made my last payment and received no refunded check from this bank for the payment. I was not told at the store that I had 30 day period to close this card I was neither given documentation. I mainly closed the card because I was unable to use it at other stores which also was not told to me so its just false advertising and marketing. I am reporting this again because I would like the documentation for all the claims reported because I have never received any refund check from the company. I actually paid more than {$76.00} that was shown in the closed complaint statement. I am looking towards taking it into further matters if I can not get proof or this problem resolved and removed from my credit report. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-02-28
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
The auto loan was started XX/XX/XXXX the auto was totaled in XXXX XXXX in XX/XX/XXXX payments were made XXXX a month for six months to Santander during the time of having truck - XXXX XXXX and XXXX {$24000.00} ( waiting on statement from XXXX ) on the loan to Santander and I also did not get refunded for all the warranty side purchase on the loan of XXXX for a service contract service contract XXXX for theft protection. I verified with XXXX that this extra warranty purchase on the truck was refunded to Santander with my salesman XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. Santander was paid more during the 6 months I had the truck than the original loan amount on XX/XX/XXXX. There is no prepayment penalty for my loan verify with consumer Santander is paid in full and Im waiting on reimbursement on my warranty that they took on the loan provided by XXXX and the during of six months considering the loan was only XXXX and theyre still trying to get XXXX from me.

Company response to consumer: Closed with explanation