BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: Kohn Law Firm S.C.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hi my name is XXXX XXXX, I am seeking advice in regards to a judgement that has been placed against me by XXXX XXXX XXXX. The case has been turned over to Kohns law firm. I was not aware of this judgement until recently when I checked my credit and reached out to XXXXXXXX XXXX XXXX to inquire about the collection and was told it was on a legal hold. I was never sent a letter or any other notice or phone call stating this was going on or given opportunity to take care of the problem before it got to this point of a lawsuit. I have reached out to the law firm and was told they had a court date coming up in XXXX but they will not give me the date or any other information.I have not been served anything in regards to the matter. When I call I feel they are only trying to collect information against me and not allowing me to rectify the situation. At this point I am unsure of what measures I can take and can not afford anyone to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My name is XXXX XXXX, I have credit card with XXXXBank and I owe XXXX on it. The online banking offers customers a way to check their credit score by clicking on and signing into to a link to the Transunion Credit Score Check. It is showing I owe {$330.00}. I have attempted to have XXXX Bank remove the charges because the last credit card rep at XXXX Bank, XXXX, whom I spoke with earlier this week, confirmed that I owe XXXX on all my cards. XXXX suggested I go to " XXXXBank Tech Support '' and since then, I have been unable to actually reach a " tech support '' person by phone, I have written to them as well. I have received no response assuring me that they have confirmed the information that I owe nothing and have had no assurance that " tech support '' has done anything on my behalf or is working to have the {$330.00}. bogus balance removed. Please advise.

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 2015-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
my name is XXXX XXXX I have never lived on XXXX XXXX in ohio my ex husband married a girl that lived there her name is XXXX not me XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have a credit card on my credit report with these 3 credit bureaus, they are reporting my XXXXXXXX XXXX XXXX XXXX XXXX card account as negative when it is in a positive exceptional payment history status and is in good standing, I contacted the creditor which they admitted it was an error on thier part And corrected it, and applied the 6 payments to the 6 months that were missing because I paid my bill off early for the year, they also informed me they were going to send a letter stating my account was paid up and is in a positive status, which the credit bureaus investigated and closed the account still reporting it as negative, they need to change it to an exceptional payment history,. I have attached the letter sent to me from the credit card company for XXXX XXXX XXXX stating my account has been paid on time and in good standing.

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 2015-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX tax liens on my credit report that do not belong their. I owned a business with employees from XXXX called XXXX in XXXX WI. Upon the end of XX/XX/XXXX I was bought out by the new and current owner XXXX XXXX. XXXX assumed the same name and the business is still called XXXX to this day and is located at the same address. I sent everything in to close any ownership I had with this business. These XXXX liens were put against me in XX/XX/XXXX for back payment of estimated taxes. I was never made aware of this because:1. I never should have gotten them as I was not part of that business anymore2. The notices went to the business address which I was not apart of anymoreOnce I saw these on my record I took immediate action to show proof that the liens were incorrect against me. This was cleared up because it never should have existed. If it should not have existed it should also not exist on my credit report. I am seeing this on my Transunion report under docket number XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with Experian and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws Experian has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise Experian to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. Experian should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report.

Once their reinvestigation is complete, I would like for Experian to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41.

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 2016-05-25
Company: Pacific Union Financial, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We have been trying to get a mortgage loan closed since XXXX. We applied and were approoved bavk then. The problem is the mortgage company wo n't close the loan. They keep asking for the same info over and over again only to wait too long to close so we have to do it again. The mortgage brokers are XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX. The bank is Pacific Union Financial XXXX XXXX XXXX We have resubmitted all the required info several times. A month back I reported them to the XXXX and that seemed to help, but then this week they promissed to close yesterday ( tuesday ) but did n't so now we have to resubmit everything again and wait for another closing day. I 've lost a lot of revenue from my job because I 've had to miss work so many days waiting to close only to not get it done. As I said, this has been going on since XXXX and it is my understanding that it should only take XXXX4 weeks.

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 2016-07-28
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX from XXXX XXXX XXXX in New York is contacting unrelated third parties seeking information about me

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 2021-08-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to you because I have items that are not mine. Please check the following items, make an investigation of them, and delete them : XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2015-06-03
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am not able to meet my monthly payments due to me working part time. Navient refuses to understand my economical hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern, I was looking at my XXXX XXXX i noticed inaccurate information. I noticed XXXX XXXX  put a late fee on my account on XX/XX/2020. I called XXXX XXXX  on XX/XX/2020 they admitted i was never late. I asked them if they can send me this in a document form they said they couldn't. I just want this late fee removed from all credit reporting agencies as this is inaccurate information and I always paid on time.

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 2016-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with BOA under an promotion for a {$300.00} credit with a new checking account and qualifying direct deposits in 90 days of opening. I was very careful to fulfill ALL terms of the promotion, but the {$300.00} was not credited to my account. 

Over a period of 3 months, I made numerous attempts in writing and by phone with customer service representatives, but simply got the runaround. I received no response or return communication despite escalation attempts.

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 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I was contacted on XXXX XXXX, 2016 by XXXX XXXX ( or XXXX XXXX ) from XXXX XXXX. She told me that i should contact XXXX XXXX XXXX immediately or I will be served tomorrow. I called that agency immediately with that number XXXX. I spoke to a woman that asked for my reference number ( XXXX ) and transferred me to a lady name XXXX XXXX ( or XXXX ). This is the second time this company has contacted me. The first time was XXXX, 2016. They claim that they sent me letters in regards to this matter, which I never received. When I told that I never received them, she called me a liar. I asked for which court was this claim filed. She first said it was Superior Court in XXXX, XXXX. There is no such thing and I questioned that. But she continued to tell me that she meant Superior Court in XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX and the number of the court. I asked for the case number instead she gave me the same reference number. I specifically asked for the case number and she said I will receive all that information tomorrow when I get served. Anyway I looked up that same reference number in XXXX, XXXX, & XXXX and it does n't exist. There is no case that has been filed against me and according to my credit report my account is paid in full and closed. I am tired of the harassment. They keep calling my mother 's house and now they are calling my cell phone as a " Restricted '' call. I do not know why they are telling me that I have a debt because I do not.

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 2016-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the second complaint I am entering for the same issue. 
I have attempted to call and repeated left messages with no response. 
XXXX XXXX CST left message, XXXX XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message. 
I received one phone call on XXXX acknowledging my complaint, and have not heard back since. 
My complaint is that I had a mortgage with Bank of America, the house has been sold, property transferred over 7 years ago. BOA still has my mortgage reported as open with a past due balance of over XXXX. This is negatively impacting my credit and prevents me from future home purchase and financing. I have tried to contact the bank prior to the complaint, but each time, someone at BOA will acknowledge that the facts I provided are correct and it is a mistake, and they will get back to me with a resolution. No one ever has.

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 2016-08-19
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have submitted a police report number filed with the XXXX XXXX Police Department ( Report # XXXX ) as requested by the Collection Agency filing the inaccurate information with the Credit Agencies. I was given an email to send the police report information to and I received a read receipt confirming that Central Financial Control received it and read it. I was plainly informed that the false information would be removed from my credit report shortly after filing the Police Report. Yet I have waited for over 3 months with no change to my credit files.

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 2021-08-06
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 submitted multiple letters dating back to XXXX XXXX, to investigate multiple items on my credit report that are inaccurate. The companies in question had ample enough time to investigate the items on the credit report. I have yet to here from them with any information pertaining to my dispute or the investigation status. I ask that the items in question are removed from my credit report as this has caused stress and hardship.

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 2021-08-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a checking account at the following bank which is Citibank in where I have my savings, I only deposit money. I really dont use that account for any personal spendings mainly only for my savings. For security purposes I actually decided to lock my card since I really dont use that account. I put all my trust in citibank for my lifetime savings. On XXXX XXXX I decided that I was going to make a purchase for that account however as I went on over to look at my account and started scrolling I saw something unusual which were several checks being charged in my account I never have ordered checks for this account or even have authorized anyone to do so. I immediately called Citibank they filed a claim and required me to go to the nearest Citibank to follow steps they require to complete the claim, however I recently received a letter stating that my fraud claim was denied and their decision was based on the time interval between you first being notified of the transactions in question and the date you informed Citibank about the transactions exceeded thirty days.

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 2021-08-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
According to XXXX XXXX XXXX states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Public Record that reflects on my credit history has been resolved with the XXXX.But It still shows me having a tax lien.I Had a payment Plan Set Up with The XXXX and Im just about nearing the payoff date.I do have records of these payments made and the current balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Discover Bank Opened XX/XX/2017 Amounts XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a return receipt certified letter to this company and it was received on XXXX @ XXXX XXXX. I have not received any response and it has been 3+ months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Chrysler keeps calling me harassing me for payments even after my loan has been paid in full and is failing to update the credit bureaus.

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