BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
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:
Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance.

The account in question is XXXX XXXX Account # XXXX ... Amount {$1400.00} for an authorized/unknown utility.

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 2017-06-04
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
I was XXXX and mailed the credit card payment, the XXXX 2016 payment was received by Barclays in time but was n't processed in time making my account 30 days late. I have wrote the company numerous time with no result.

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 2017-06-04
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Syndicated Office Systems continues to report a negative collection account on my credit report but has failed to provide any validation of such debt. I mailed a certified letter asking for proof of validation and they have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, 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:
Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( XXXX, Equifax, and XXXX ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. 

The account in question is XXXX XXXX Account # XXXX ... Amount {$1400.00} for an authorized/unknown utility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent XXXX, XXXX, and Transunion a dispute letter certified mail on XX/XX/2021. I checked the tracking and the letters were received XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today is XX/XX/2021 and I have yet to be notified of the status of my dispute. I disputed XXXX XXXX  ACCT # XXXX and XXXX XXXX ACCT # XXXX and XXXX XXXX ACCT # XXXX. XXXX, Transunion, and XXXX  have violated the law by not complying to the FCRA which requires these accounts to be removed immediately from my consumer report. Per FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Reinvestigations of Disputed Information Reinvestigation Required If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as Justifacts ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I 've tried several times unsuccessfully to have some inquiries removed from my Transunion credit report as they are reporting inaccurately. Then finally I spoke with a Transunion agent on XX/XX/XXXX who looked over my credit report and stated that these items would be removed due to them being reported inaccurately. I received a confirmation number and was told that my credit report would be updated in 24 hours with these inquiries removed. On today XX/XX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 
Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!

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 2019-12-17
Company: Experian Information Solutions 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:
Since XX/XX/2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( Experian, XXXX, and XXXX  ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX Account # XXXX ... Amount {$1900.00} and another for {$100.00} for an authorized/unknown medical bill.

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 2022-04-29
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: Account information incorrect

Complaint:
TransUnion, XXXX, XXXX information on my credit cards accounts are wrong. They have Total Accounts numbers, wrong payment histories each credit bureau is showing the wrong information. Plus, they have old addresses on my credit report. I tried to inform them with the current and nothing was changed. All information was upload attached.

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 2019-12-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have submitted a prior complaint about this issue and am still dealing with that. To get my money released on XX/XX/XXXX and XX/XX/XXXX, I requested my account to be closed. I stipulated this to XXXX, the Branch Manager of the XXXX XXXX XXXX Branch. They called the holds department and they claimed due to my prior OCC complaint that they would comply. I video-recorded the branch manager and asked point blank that the accounts would appear that I closed them. He said yes. I was concerned about them reporting the accounts to XXXX XXXX or XXXX, they indicated that they would not. That was a lie. They sent me three letters for my various accounts and all stated they closed them, not me, and that it was in violation of the rules and regulations of Huntington. This is just another example of the repeated lies and fraud of this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Netspend I purchased a card at XXXX which I had to give my I'd for them to scan now if I wasn't allowed to be a netspend customer why would they sell me a card and allow me to load my only money to it XXXX . I'm being punished twice cause my car was stolen and my previous card was used I disputed the transactions and of course the XXXX $ transaction they found error but the two {$1000.00} dollar ones in same day at same location was no error ... funny right well after all that I purchased a card and they won't let me get my money back I got kids to feed I'm already late in bills cause of previous situation I tried to get refund at store card is not activated they won't transfer to my wife 's account with them or XXXX XXXX it to me which I know is possiable cause XXXX XXXX a net spend supervisors told me she could on dispute if they found error please help me I'm bout to get eviction and I need to feed my kids 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 2018-12-03
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Purchased XXXX XXXX in XX/XX/2013 and financed through Santander. The car was {$17000.00} when purchased ; with the fees and interest rates the balance is about {$13000.00} -- 5 years later. The car is on its last leg and need work done -- it has over 130,000 miles on it. The amount of money I still owe is ridiculous and I realize that my credit wasn't the greatest when I got this loan and have had some issues with making payments over the years but I owe {$4000.00} less than I did when I first purchased the car and there's no way that this car is going to last for the next 2-3 years its  going to take to pay it off. According to XXXX the car is only worth $ XXXX-XXXX -- I still owe {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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:
Since XX/XX/2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX Account # XXXX ... Amount {$1900.00} and another for {$100.00} for an authorized/unknown medical bill.

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 2019-08-08
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/19 I received another denial letter from XXXX credit card ... uploading letter ) I called an explained that the information on my Experian credit report is incorrect. I was told to contact Experian directly and if corrected they can revisit my application. I tried to call Experian XXXX it is impossible to speak to a human. Ive disputed these 2 negative items several times in writing. It is obvious they did not correct the problem. My XXXX and XXXX report had investigated and removed these 2 items that are reporting negative. I am submitting this complaint because they are not addressing this issue. The only thing I received from Experian was a letter they will not re-dispute these 2 items on my report. That is completely wrong ... .this information is incorrect and it is causing me a problem in obtaining substantial credit

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 2017-10-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, XXXX we were served a notice of default with XXXX, XXXX XXXX XXXX. We were put through a modification and on XXXX XXXX, XXXX we were Approved for a loan modification and they set up XXXX trial payments. After making the first payment our loan was transferred to XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX servicing. We made all three trial payment XXXX XXXX, we kept on top of the sale date with their appointed attorney, and they continued to let us know there is no sale date everything is still on hold while we complete our modification. We spoke to XXXX XXXX XXXX bank when we made our XXXX payment on XXXX XXXX, XXXX They said everything looked good and they were sending out the paper work for the permanent modification and that had to be notarized. XXXX on XXXX XXXX, we received a notice of Acquired XXXX. Come to find out XXXX XXXX on our home, with no sale date, after successfully completing our trial payments the day after we gave them our XXXX XXXX payment. We were scammed out of our home. They gave us no notice of denial of modification, no sale date was posted to the door, no notice!!!!! We did everything on our end on time. They are liars and should be held accountable for their actions, this is dual tracking and is illegal in the state of California. We will be contacting an attorney as well.

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 2019-12-17
Company: EQUIFAX, 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:
Since XX/XX/2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( XXXX, Equifax, and XXXX ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX Account # XXXX ... Amount {$1900.00} and another for {$100.00} for an authorized/unknown medical bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened this account because I received their promotion email claiming that I can get {$500.00} bonus after saving {$15000.00} for 90 days, however, I didn't receive any bonus at all after qualifying their terms and after more than 6 months, and their response is this promotion is not addressed to me. How possible this is not addressed to me, it is my email associated with their bank.

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 2019-12-17
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Made contact with XXXX XXXX XXXX XXXX  and advised to cancel services as I was going to another carrier. Representatives continued to say account would be closed however, they continued to keep account open for 2 additional months and subsequently sending a notice of failure to pay for 2 months of service. I was not using the device or their service however, they refused or just did not cancel my service. Finally sent invoice indicating I owe XXXX and failure to pay will result in my account being referred to outside collection agency and it will result in a negative impact on my credit report. Received a letter from collection agency XX/XX/2019 showing a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: PA
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 looked at my account and noticed inquires I contacted them on XX/XX/2022 asking them to validate this information I made them aware that this was also fraud I was told it would be removed and it still remains on my records also addresses that were not mine

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 2015-09-20
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I started keeping a log of phone calls on XXXX XXXX, 2015 and this company ( Midland Credit XXXX ) has called XXXX time up to XXXX XXXX. Calling repeatedly starting as early XXXX. Calling repeatedly within an hours time. When you answer the phone they do not always speak. They have repeatedly been asked not to call and also written notice when they sent a collection letter as the debit is over 13 years old and was paid in a debit consolidation over 8 years ago. When they have called while I was at work others who have answered also requested them not to call. I do have the dates and times called and wish them to stop calling. They continue and I need assistance with this please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: Avant Credit Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Paid off Avant card back last year paid {$300.00}. when i told them someone stole my card & account they did not refund any of the money. They locked my account have not sent me one letter and I have not used the card since i paid it off.

Company response to consumer: Closed with explanation