BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm 9 days late on my auto loan payment who I have through Huntington Bank. Today I received a call from them on my cell phone, which i sent to voice mail because I'm currently in my office at work. Immediately after that I receive a call on my office line from Huntington Bank. 
Here 's the issues : 1. I told them when I gave them my office number that it was not to be contacted at any point in time as it violates company policy. 
2. The representative, XXXX made several false statements during the call on my office line : She state that multiple voicemails have been left on my mobile number - not one voicemail has been left She stated that she was allowed to contact me at work to collect the debt - false that violates the FTC regulations She stated that multiple emails were sent - again false because I have not received any She stated that notices were sent - again false I have not receive any communication. 

I'm only 9 days late - so there wouldn't be this amount of communications she is therefore lying which is against the FDCPA. 

When I informed her of the FTC regulations and the violations that she was doing she started to argue and ask me about my payment history, my finances, all of this on a line that they were not to contact me at about personal matters!!! - which is abusive towards me the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Client Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint from XXXX XXXX against Client Services for Client Services 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, Consumer, XXXX, received a demand letter from creditor, Client Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XXXX XXXX, 2016 Creditor responded with old billing statements, but no chain of title or other documentation proving legal authority. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX & XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX. XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX  # XXXX and XXXX  ACCOUNT # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX and XXXXXXXX XXXX is furnishing unverified information on my consumer report in addition to - reporting a charge off on my report AND sending me a 1099. Per IRS, 1099 's are reported as income. Income is not to be furnished on my consumer report.

- Furnishing information on my report without my signed written consent to furnish my private 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 non-monetary relief
Consumer complaint received 2015-11-25
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I make online payment transaction using PayPal online services om XXXX XXXX 2015. 
Amount transaction was XXXX {$.00} 3 day latter I found that not any merchandise and not any services will be provided from service provider which use PayPal for receiving a paymentsIn XX/XX/XXXX I contact.to PAYPAL by phone and ask dispute this transaction and refund my payment in amount XXXX {$.00} However I have following message : if we contact you for more information, please respond within thetimeframe. If you do not respond within the timeframe, the case may beclosed and decided in the seller 's favor. 

Why PayPal not speechify which information will be needed, when PAYPAL contact me and what way PAYPAL will be contact me ( email, letter, phone call, ets )? 

I am already provided detail and I will be more like happy give more detail to PAYPAL to order dispute transaction and refund my payment. 

Here transaction detail : Transaction Date : XXXX XXXX, 2015Transaction Amount : - {$67.00} USDYour Transaction ID : XXXXCase Number : XXXXXXXXBuyer 's Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: LA
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit 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 2022-05-26
Company: Experian Information Solutions Inc.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX. XXXX, XXXX # XXXX XXXX XXXX  XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX and XXXX  ACCOUNT # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-05-26
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Bought a netspend card on XX/XX/22, and followed all directions to activate it. Got an email response from them saying they couldn't activate it because my info was not matching. Someone else used my info. 2 hours on the phone with two different reps and they couldn't transfer me to a fraud department. They just wanted to activate it for me. XXXX told me I had to go through netspend, they couldn't help either. Nobody can help me prevent this fraud. This company is helping commit the fraud since they can't help stop it. All it is, is a XXXX {$25.00} card so my daughter could go on her XXXX XXXX trip where it's cashless. Now, I find out someone has their name on my ssn associated with credit cards and netspend has no fraud department that anyone can talk to.

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 2022-05-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i rec 'd a letter dated XX/XX/XXXX you state you finally canceled excessive lender placed insurance effective XX/XX/XXXX and you sent a refund to my account. 
1. you fail to identify the date the insurance was placed 2. you fail to identify the amount you charged for insurance 3 you fail to identify the reason you canceled the lender placed insurance 4 you fail to identify the date and the amount you credited to the account 5 you failed to supply copies of the insurance policy

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Trans Union : Spent Hours on the Phone with this Company, trying to fix my Online Account Credit service that I subscribed to. For the Past Months my Online Score For its own site to Varies XXXX Parties Showed Me either with a XXXX or No Reported Score. When I called in to find a resolution to this, I was transferred back and forth between and online department saying I no longer have a credit report, vs Disputes Saying My Credit Report is still active. Management Claims no Resolution to this and only Access to my report is via Paper form. 

Luckily this has not Effected my Pre-Existing credit accounts, such as XXXX XXXX, who even their tracking system shows me at XXXX, and I still have received raises to my established credit line due to my payment practice. 

XXXX/XXXX Still shows reports, though have not bought into any other online tracking to verify this. Currently Have no Open Disputes ( Which was told that could lead to this Situation ) I have the reporting since My Name is Common and It is common for these credit agencies to shift stuff under my score with very little background information, Such as just using my name. Rather then an SSN # or any type of real form ID attachment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have filed several disputes with TransUnion and XXXX for Maryland State Tax Liens. I was able to obtain lien releases for both tax liens for XXXX and XXXX, which should have been removed in XXXX and XXXX respectively. The credit reporting agency refused to remove these liens, reported incorrect account and case numbers, and court information on the reports. When I called the number on the credit report, the information is not verifiable and I was told that this information does not exist. In essence, the credit reporting agencies are " rubber stamping '' invalid and incorrect information without confirming the validity of the liens. The courts do not report to the credit reporting agencies. Also, these liens are over XXXX to XXXX XXXX XXXX, well beyond the age limit for credit reporting. This has caused financial distress and caused me to be denied for Home Equity loans, mortgage loan modifications, student loans for my children, and other consumer loans. This has affected my FICO 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 2016-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX XXXX Accounts on my credit report, please note the acct numbers - This is Account 1. 


Account Number XXXX 1. This account is Closed and has a CLOSED DATE 2. This account should say " CLOSED '', and not Current in its PAY STATUS 3. This account is missing Pay History 4. This account is missing Balance History 5. Please validate this account, and the PAY/Balance history from its inception - and CLOSE the 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 explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: SC
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:
I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information removed or have anyone from Experian contact me about the status of my concern. Here is the incorrect information that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/2022

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 2022-10-10
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had my checking account with Axos Bank suddenly closed with out any given reason I was only made aware of this through an email in which time I immediately called the bank to inquire but was only told they didn't know why but that they had sent me a check for {$990.00} wich was my account balance at the time of the closure. on the XXXX of XX/XX/2022 I was told the check would arrive at the address I had on file with the bank within 3-5 business days. I never received any check of any kind from Axos Bank like they said so on XX/XX/2022 I contacted them to find out what was going on and informed them that the supposed check they sent never arrived. I was then directed by customer service to fill out and sign a document that they would send via email ( a declaration that the check was never received ) and I was given a reply email address to send it back when I was through filling it out and I was told that once I completed this form I would be reissued a new check so I quickly filled it out as requested and sent it back in. I got an email from the bank replying to the form I had sent in and the email notified me that Axos Bank would not be sending me another check because they had already sent one and the sent check had already been cashed. along with the shocking email was an attachment with an even more shocking strange and distorted picture of an apparent check front and back with a forged endorsement signature claiming to be mine. I immediately halted all communication with the bank because I suspect that they may be involved with fraudulently keeping my money and then trying to pass off a very obviously faked check and forged endorsement claiming to be me. I have all original correspondences via email I had with them and will attach them with this complaint to further help with any inquiries if so needed. 
thank you very much in advance for any assistance in helping me out with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
To whom it my concern, I would like to make a compliant about Chrysler Capital. I have been receiving billings and information at my home address for over three months. I have called Chrysler Capital three separate times to confirm that I am not listed on the loan and to inform them that the mail recipients do not reside at my address. I have requested that the mailing stop being sent to my address and that my address not be on record for the loan Chrysler holds. The names on the loan are for my ex-husband, XXXX and his grandmother, XXXX. This loan was executed with Chrysler Capital after the finalization of my divorce and after XXXX had move out of the house. XXXX does not have any ownership of the property located at XXXX Michigan XXXX nor did he live here when he purchased the vehicle. I would like Chrysler Capital to remove my address from their records and stop mailing statement/billings to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was part of the cyber security issue with Equifax. The companies failure to protect my information is unacceptable and the 1 year of " free '' credit monitoring they are offering as compensation is a slap in the face to everyone affected. This is an issue that will not just go away after a year but rather something that may be a threat that has to be dealt with for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: GA
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:
I am filing a complaint as I 've been informed by Equifax that I am one of the 143 million people who 's privacy data ( social sec, bank accts, etc. ) has been hacked. I am not signing their Credit monitoring as it waves my right to sue, I 'm filing my official complaint against the company as this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The collection company called my cousin which I hardly talk to and told her that they needed to contact me that they where a collection office. So when I called them they told me that I needed to pay I loan I had taken out a few years ago.So I let them know that I could n't that I was n't working that I 'm getting goverment assistance so they told me that if I did n't agree to pay them that they where going to sue me take me to court and I was going to have to pay them more than XXXX and legal fees and since I wasnt working they told me that they where going to take money from my welfare every month until the full amount of XXXX was paid off that if I did n't want that to happen I had to make some agreement to pay them back I told them I did n't have money. I practically felt scare and force to answer them that I would try to get borrow some money if I could so they wo n't sue me and take my government money

Company response to consumer: Closed with explanation