BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to dispute this debt for over 2 years now. This is one of the actions I decided to do against ACCOUNT RESOLUTION SERVICES before I go a step further in seeking council and filing criminal charges. I have tried to contact them on a number of occasions via mail and telephone but they have failed to produce the required evidence that proves this debt belongs to me. I have contacted ARS through telephone 3 times and the young lady I spoke with was very rude and upset that I was even asking for the required info, which is required by law for me to have. She even hung up the phone on me after telling me to stop scamming people and just pay your dam bills. This Agency is very unprofessional and really doesn't cooperate with consumers request for debt validations. I've sent a debt validation letter out to ARS on XXXX/XXXX/18 asking for a Contract or agreement along with the promissory note that has my signature on it and they have not responded. On XX/XX/18 I've sent another debt validation letter out and still no response. The problem with ARS is that they have the wrong last name of this debt on my credit report which doesn't belong to me. I even sent them a copy of my drivers license and social security card proving that the name isn't mine and they still refuse to remove it. I have provided ARS with a final letter that is attached to this complaint describing once again how they are in violation. I am asking that CFPB investigate this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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/XXXX I address the credit bureau as into regards of the removal of the inaccurate credit info being displayed on my credit reports and to no avail nothing was done. That's a issue, I address the company as well on XX/XX/XXXX ) 17 and they did reply to me on XX/XX/XXXX. I will be enclosing their response letter to me. Also this company filed for a XXXX XXXXXXXX bankruptcy on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
American Education Services, has not allowed me to reduce my payments, release my cosigner, temporary postpone my payments, or make my payments online. Ive been told that I have exhausted my forbearance options, when I still have years of payments to make. Ive also been told that I can't release my co signer since I've used forbearance on my loan. I also can no longer make my payments online, I can only send payments through the mail, which will cause my loans to be late, causing them to contact my cosigner and send letters as well. They have given me no options or breaks, and I think this is completely unfair. Ive paid well over the amount I owe in interest alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XXXX XXXX, I mailed a letter disputing inaccurate or incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following 1. XXXX XXXX  XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX. 

I am in receipt of the response XX/XX/2021 The issues don't seem to be resolved. 
1. XXXX XXXX Account # XXXX Date of first delinquency is still not provided, missing actual payment amount and scheduled payment amount. 
2. XXXX XXXX  XXXX The Status of the account is still wrong even after you claim to have verified it. It can not be over 120 days past due. It is closed XXXX  account 3. XXXX XXXX  XXXX The Status of the account is still wrong even after you claim to have verified it. It can not be over 120 days past due. It is closed XXXX account I attached my previous letter along with the response showing the errors still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection Agency is reporting to ( XXXX  ) on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the FDCPA section 807 violation Misleading false reporting. This account is inaccurate and I am seeking litigation, please delete at once. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
looking over my credit report over and seen there are unauthorized accounts on my credit that does not belong to me and need them removed. this is holding up my process of purchasing a home and i have a legal right to dispute anything on my credit report that does not belong to me here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-04
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Duplicating the same debt on my credit reports twice is illegal the original creditor sold the debt on ( XX/XX/2017 ) it was charged off and closed but yet they are still reporting the debt as well as the collection agency that they sold it to, the amount that is being reported is {$970.00}. I don't owe the collection agency because I have not signed any contractual contract binding me to pay this debt off with the collection agency. And sending me a Bill statement isn't justification of a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have four high yield savings accounts open with Synchrony Bank. Those accounts were opened with the help of my daughters, who are fully authorized to help me with my finances. In the aggregate, those accounts hold {$250000.00}. I have repeatedly called Synchrony Bank with my daughter to verify my identity. I repeatedly advised the Synchrony Bank representatives that my daughters have full authority to discuss my finances with them. On XX/XX/2023, two transfers that I scheduled from two of my non-Synchrony Bank accounts into my Synchrony Bank accounts were initiated. Today, XX/XX/2023, transfers to and from my accounts were suspended without warning or explanation. I again called Synchrony Bank again with my daughter and I again verified my identity. The Synchrony Bank representative said that my accounts were under review because they could not verify my identity, even though I had answered all the security questions they asked. Then, this afternoon, Synchrony Bank suspended access to my accounts and stated that the accounts are under review and that I may not have access to my funds for up to 60 days. This is unacceptable. Synchrony Bank does not have legal authority to confiscate my own funds from me without explanation and without recourse. I will be sending a copy of this complaint to the New York Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
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: Was not notified of investigation status or results

Complaint:
I have been following up with the credit bureaus regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX and never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely. I would like to hear back from the credit bureaus regarding this matter.

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 2021-08-12
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I received a call from KeyBank Fraud department. It was not a scam. Someone in OH fraudulently withdrew {$2500.00} from my checking account. Went to the branch immediately and filed fraud paperwork and affidavit. Opened a new a checking account and froze old account. I was told approximately 10 days for resolution. It is now 25 days and KeyBank keeps telling me they are still investigating. It's not like it's {$100.00} .... it's a lot of money. I have been in contact with the branch manager in XXXX CT who continues to say 'it is still under review '. On XX/XX/2021 I received a drivers license in the mail from OH. My name, my address, my DL # my DOB, but not my picture. BTW - I live in CT. KeyBank wasn't too interested in this information. I have bills to pay and I have asked for them to deposit {$2500.00} into my account to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested that the information be validated ( requested a copy for the original creditors ) which I never received. 
Under the law of 15 USC 168e ( b ), I was not granted the requested information in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2020-04-08
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
In XXXX of 2020 I paid off my Chase credit card in ( # XXXX ) full. I have not used that card since and didn't not receive any email statements so I didn't know I had a balance from some online subscriptions. At no point did Chase contact me to let me know that I had a balance and the account went past due with fees ( nor was anything posted online ). Although the statement was posted online, there was no email notification as typically is done. The account continued to be past due ( with no knowledge of myself ) and they called me today that my account was 60 days past due. I called and made arrangements to pay off the account in full again, but the damage had already been done to my credit. I have never made a late payment in the 4   years  i've been with them. I paid off my balances in full. They will not act in goodwill and remove the reporting, even though I was not notified. 

Furthermore, I went to the XXXX website and it says creditors can remove credit reporting. Chase said that is not true and there's nothing they can do. This information is include on all credit reporting websites though. I feel like the lack of notification ( even though they say it went through on their end ) is not correct and they have ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Chase United Card ending XXXX notified me in XX/XX/2020 I had a delayed payment due. I logged in my online account, noted the delay, and was notified in my online account that my account was closed and I need to pay any outstanding balance. 
SO on XX/XX/2020 I payed the entire remining amount on my account of XXXX to bring this closed account to XXXX balance. I then destroyed my card. 

Last month on noticing my credit score go down, due to delayed credit card payment I went back to check my current and prior accounts - I noticed since XX/XX/2020, I was being charged interest and delayed fees on my closed and completely paid account. NO email, letter or notification of any kind was sent - delayed payment fees was continuously being charged. Having the account closed and paid off and with no notification, there was no reason for me to know I had an outstanding delayed balance. 

Since then I have repaid the outstanding illegitimately charged interest and delayed fees ( charged without any notification ) and verbally confirmed ( representative XXXX and XXXX XXXX ) that my account is definitely closed and there are no outstanding interest charges. 

Chase has behaved improperly collecting interest and late fees without notification so I was not aware of outstanding payments which further affected my credit score significantly. When accounts are closed and payed in full Chase fails to disclose that and keeps charging fees - this practice should not affect customers of hundreds of dollars and more importantly affect their credit scores due to unknowing " late payment '' as customers are not being notified

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
on XX/XX/2022 I had submitted a complaint regarding Bank of America Business Credit Card Application # XXXX being denied. That CFPB complaint number was XXXX. This bank now has attacked me personally by closing out my personal credit card ending in XXXX through retaliation due to the prior CFPB complaint done on XX/XX/2022. The reason ( s ) listed are bogus and are a cover up just to cover up thier XXXX from any litigation or lawsuit. Its pretty obvious that this bank has retaliated in an effort to " get back at me " for the previous complaint. In regards to retaliation, Bank of America has been sued by many consumers and previous employees for employment and credit retaliation. This is public record. Bank of America needs to be investigated for this illegal act. I am going to take legal action against the Bank because I have had enough of thier XXXX. Please note, I am going to purse for {$5.00} million in damages that are unethical and demand my credit card be re-opened with the same credit limit. I further will sue you for an additional {$1.00} million due to the negative impact your going to leave on my credit report. It will show a closed account done by the credit grantor. Your not going to start damaging my credit score, and credit report with your nonsense. You had no valid reasons to close my account. The account wasnt even open 60 days and always carried a {$0.00} balance. All actions, i have mentioned in the complaint, are going to be pursued and i can promise you, i will see your XXXX in court.

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 2021-11-29
Company: SLM CORPORATION
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have called multiple times from XX/XX/2021 thru XX/XX/2021 to make a payment. I can not reach a live person. When I try to make the payment it keeps kicking my off and now they have added multiple late fees. Sallie Mae is the absolute worst company I have every in my life dealt with. I do not know what I need to do at this point because I can not speak to anyone. I was on hold for over an hour and never got anywhere!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a complaint open with this company and they continue to make it worse. Now they are reporting that I had a flex spending card with them and that is false and untrue and they have verified this lie with XXXX and dropped my score another XXXX points!

Company response to consumer: Closed with explanation