BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I APPLIED FOR SEVERAL APARTMENTS AND WAS DENIED SEVERAL TIMES DUE TO THE INCORRECT OUTDATED INFORMATION IS BEING REPORTED BY TRANSUNION. 

I CONTACTED TRANSUNION AND INQUIRED ABOUT THE INCORRECT OLD INFORMATION THAT IS BEING REPORTED TO CREDITORS AND CAUSING ME TO BE DENIED. 

TRANSUNION RECOMMENDED TO THAT PROPERTIES THAT I BE DENIED FOR SEVERAL APARTMENTS. I HAVE PROVIDED THE LETTER FROM TRANSUNION PROVIDED TO SEVERAL PROPERTIES. 

MY CREDIT PROFILE HASN'T BEEN UPDATED AND TRANSUNION IS REPORTING IN CORRECT CREDIT INFORMATION AND MY SCORE IS ABOUT 80 POINTS LOWER THAN XXXX. MY SCHOOL LOAN WAS FORGIVEN AND XXXX  UPDATED RIGHT AWAY, BUT TRANSUNION HAS NOT REMOVED.

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 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 do not recall having this account. The date open is inaccurate. I have disputed this account with the credit bureaus asked them to validate this account but I'm still not able to get a response. 

Collection account : Account No. XXXX Date last reported : XX/XX/2019 Date opened : XX/XX/2019 Amount : {$280.00}

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am XXXX XXXX XXXX, and I am a federally protected consumer, and I am very disturbed and that XXXX XXXX XXXX has been consistently getting away with fraud and willingly and knowingly lying and violating my consumer laws. 

I am writing this letter in regards to the account XXXX XXXX XXXX  OPENED XX/XX/2019 BALANCE {$36000.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX  This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. 

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. 

I sent notice to XXXX, XXXX, and Transunion and nothing has been done about this and they are ignoring my letters and breaking consumer laws.The illegally reposed my vehicle in after I sent cease and desist letters twice. Also, this account is not reporting on my Consumer reports as a Repo so that a violation also. It is reporting as a charge-off. Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. XXXX XXXX XXXX is basically debt parking this account and this is illegal. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. 

The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I never received any of the documents listed below : Contract before the sale Deficiency Documents Redemption Documents Finance Documents This is illegal and they continue to do whatever they want and ignore letter that I sent them. As a result, there are so many VIOLATIONS & FRAUD that XXXX XXXX  XXXX have committed fraud willingly and knowingly. Also, this automobile was taken without my PERMISSION, that is GRAND THEFT AUTO. These credit reporting agencies need to be held accountable. Please take this matter serious and I look forward to your respond.

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 2022-01-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2017-08-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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 been attempting to make a payment on my Huntington Voice credit card, for over a month, but have been unable to due to an error message. Stating the following ; " One or more payment accounts below have been flagged by your financial institution for routing number and/or account number issues. Please contact your financial institution to confirm the payment account information and if needed change the payment account as necessary. '' I have contacted Huntington bank reps. Numerous times to get this resolved and after over 1 month since my first complaint I am still unable to make a payment online. 
I work XXXX ( leave for work ) and typically do not get home until after XXXX. Making a payment online was part of the original agreement i entered into with Huntington bank. On my latest contact with a Huntington bank rep. on X/XX/2017, via a Live Chat through Huntington Banks ( HB ) own platform, it was implied that their is some sort of security restriction Huntington added to my account that prohibits me from making an online payment. I have no idea why and Huntington refuses to provide any information confirming or explaining why. I have not received any correspondence via USPS, Email, Verbal or Text that my account has any restriction for payments During my live chat with a XXXX rep. : - I explained I was unable to add my external checking to make a payment online. 
- I explained my need to make a payment online due to personal restrictions. 
- I have been charged late fees the last few months - After several minutes of researching the HB Rep confirmed the error message but incredibly refused to help me or forward my issue to the  appropriate department. I was literally lost for words. Can you believe that, Huntington literally refused to help me or forward my complaint. WOW! 
Additionally, XXXX is providing untruthful statements to me, e.i. the error message is untruthful. 
- I am beginning to believe Huntington bank is deliberately trying to ruin my credit due to my previous valid complaints. If this is not an example of some sort of retaliation, please find me a more accurate reason for all these issue I have had with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXXI purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX Florida. The truck was listed for {$13000.00} which is Over priced for this vehicle especially with XXXX miles. But I liked the truck and I was told I would receive {$4500.00} for my XXXX XXXX XXXX I traded in. Plus The General manager XXXX offered to take an additional {$2500.00} off for me to resurface his countertops. I was told Id be around {$9000.00} after the finance charge. Two days after I left the dealership the bank called me and told me I owed {$24000.00} and my payments were at {$600.00} a month. I immediately called the dealership and told them I didnt know what kind of crooked games they were playing but that I wanted to return this truck and get mine back. They then told me the truck was already sold at auction and that I could just return their truck and be left with nothing. I asked the bank to send me their financial papers and everything is different then the dealerships by thousands of dollars. Even the interest rates arent the same. The down payments, total amount for truck, sales price, monthly payments, nothing is the same. Oh and the total amount they are expecting to receive for this truck to be paid off is {$33000.00} dealer total and {$34000.00} bank total including price for down payment. For a truck with XXXX XXXX XXXX  value of {$8200.00}. This is insane to me and they should lose there license for this! On top of all that within the first week the XXXX went out and I had to pay {$1500.00} to get it fixed just to get the truck to move. They also spoke with my car insurance company and changed my policy without my consent. The insurance company acknowledged that The Dealership requested the change and thought that I knew my insurance doubled. Which ultimately caused me to change insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My account was fraudalent scammed on XX/XX/XXXX, a policy report was done, chase ending closing all my account, and reopened new accounts for me, after a month in new account a XXXX payment was done via quickpay on XX/XX/XXXX my contact and contacts information was fraudalent changed and money was sent again to person who scammed my account before, after many calls to chase with no answer or explanation I finally decided to call one more time on XX/XX/XXXX, to find out status of my case after the 10 days ( waiting period ) a XXXX  customer service name XXXX start screaming on the phone, was not helpful at all, didn't let me finish explained her what really happen to my account, just continue stating that she review case and make the decision that my account can't be accredited, didn't want check notes from prior representatives, what she was telling on the phone wasn't the same of my complaint and she accused me for something that I didn't do. She also say that she doesn't care about me doing a complaint against her and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2019-12-27
Company: TRANSUNION INTERMEDIATE 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit monitoring company showed that my Credit score dropped 28 points from Transunion. I verified this with another credit monitoring company. I tried to contact Transunion through there dispute site but was unable to dispute this score due to not knowing why they dropped it or what account it may have fallen under, all accounts are in very good standing. 

Please advise, 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 2022-01-21
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I initiated a domestic wire transfer from my credit union to CITI Bank. The teller who input the data inadvertently placed an extra 0 at the end of the receiving account number. The receiving bank ( CITI ) rejected the wire and returned the funds, however, they kept {$40.00}. Not only was I charged the wire fee by my bank, but the receiving bank also charged me, all for an error that I didn't make. CITI did not make it known what they charge for incoming wire refunds.

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 2022-05-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citibank sometimes offers " Merchant Offer '' to allow cardholders add to their credit card to earn cash back. I've enrolled XXXX XXXX ( https : XXXX ) and XXXX XXXX ( https : XXXX ) and spent the required money in one order but I didn't get any cash back. 

I spent XXXX at XXXX in one order on XX/XX/2021, spent XXXX at XXXX in one order on XX/XX/2021. 

The {$200.00} pending charge was eventually posted ( spilt by XXXX ) as XXXX charges and the {$50.00} pending charge was split by XXXX to XXXX charges, but that's not my fault. Citibank should honor that. Similar things happened when XXXX had similar promotion, but they honored the offers. 

I contacted Citibank via online chat, XXXX message and mail, but they didn't provide any helpful solution. In the mail I showed the evidence that my purchases were in one order. But they just said my purchase was not qualified. I mailed another one with more evidence, but they have no response. 

What a poor bank service. By the way, I'm a Citi XXXX XXXX, I'm also a XXXX XXXX XXXX. It's very easy to contact XXXX Customer Service via security message and they are always willing to help. While the ancient Citibank Customer Service really sucks.

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 2022-01-21
Company: MIDFIRST BANK
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My father died about 4 years ago this was his home and I lived here when he died me and my family moved here. and I got a loan modification which worked until my wife abandoned me and covid 19 killed my business. Midland Mortgage had a suspended payment plan. I signed up the put me on delayed payment very good I lose business have to pay other bills and divorce hurt my income so they take me off of the plan tell me to apply for a loan modification I do from the start to finish this company have not tried to help me its been miss filing info info repeated denial 's and many mistakes i have sent the same proof of income XXXX time so with the latest drama disapproved again the reason this time my income dost match but they never give me a chance to say i can afforded it just constant no and i have recovered some what enough to pay XXXX on my bill and XXXX a month they offer no help for the present situation that is caused by covid. midland mortgage engage in under handed tics to take homes. i have sent forms such as income verification one after another only to receive no offer I have even ask if i can make a large payment to get help they said no she don't know.

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 2017-04-11
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
After I finished school Navient continously harassed my daily multiple times a day for payment. When discussing options with them they never once offered any kind of help lowering my payment. I fact the continued to say I had to pay the full amount acted found not foare my loan. At the time I was not financially well off and I figured there would have ointment in making smaller payment because it would still continue to hurt my credit actndnd actndnd up fees. My credit score went from really good to terrible quickly because of the negative credit reporting from them. Once I was able to get on my feet and afford to start paying on my loans I called them. Only then did they finally offer me lower payments based on my income. I now make theses payments to them and have for a couple years now but my balance never changes because of my interest rates. I have tried to get my loan too a new company but nowit 's not even possible. N loan company will except me because of my damaged credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
Company: Genesis Credit Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Name : XXXX XXXX Amount : {$1200.00} Name : Genesis Credit Management : Amount : {$2900.00} Original Creditor : XXXX XXXX For the month of XXXX ( XX/XX/XXXX), a total of {$1000.00} was paid to XXXX XXXX. This amount included all payment that was due for rent and utilities, and it was paid on time. My husband and I then paid rent/utilities for XXXX ( XX/XX/XXXX ) on time as we gathered and submitted our proof of payment for the month of XX/XX/XXXX. XX/XX/XXXX was the end of our lease at XXXX XXXX and we have a signed copy of our " Notice to Vacate ''. After leaving XXXX XXXX we were sent a " Security Deposit Transmittal '', which stated the " unpaid rent '' and fees we were responsible for being a total of {$2600.00}. This amount included {$50.00} for keys ( which I had returned through the drop box in an envelope with our name and apartment number as requested ), {$180.00} for cleaning fees ( which our apartment was left cleaner than it was when we moved in ), and {$2400.00} for unpaid rent ( I am assuming that the amount must include fees as well ). Also, it states that we did not have a security deposit, however I have proof that we " purchased '' Security Bond Coverage of {$1200.00} through XXXX for {$210.00} before we signed our lease. Since receiving the notice from XXXX XXXX in XX/XX/XXXX ( XX/XX/XXXX ), I attempted to contact management multiple times by phone and email. I ordered copies of the money orders from XXXX XXXX and submitted those copies as requested. Without ever being notified that my charges were being sent to collections, I began receiving statements from Genesis Credit Management and XXXX XXXX. I have already made attempts to have these collection items removed from my credit report, but I have not been 100 % successful. Although XXXX XXXX no longer shows on my credit reports, it does still show on my husbands. I was able to have Genesis Credit Management removed from my XXXX report, however it is still on my other reports and on my husband 's credit reports. It has now been almost 2 years that I have been disputing this debt with XXXX XXXX and the credit reporting agencies. My husband and I have not been able to rent through other communities due to our " bad rental history '', and it has been a burden for my growing family, especially since my husband 's job loss and our inability to move into cheaper housing. Nothing has been done to correct this situation, and we are being punished due to the mistakes made by others. I am currently seeking legal assistance with the matter if it is not resolved otherwise.

Company response to consumer: Closed with explanation