BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: HCFS Healthcare Financial Services of TeamHealth
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:
on XX/XX/XXXX the company ARS RESOLUTION solutions responded to my cfpb complaint in which i demanded for this company to validate this debt, they responded : We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX, is a provider of XXXX XXXX XXXX  services at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$350.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer on XX/XX/XXXX. Our initial validation notice, including the right to dispute language, was mailed to the consumer on XX/XX/XXXX. Follow up notices were mailed to the consumer on XX/XX/XXXX and XX/XX/XXXX. Each of these notices was mailed to the consumer at the same address provided in this complaint, and were not forwarded or returned by the postal service.the response of the company is a dispect to my rights as a consumer, the company response as : Our response remains unchanged.by this being stated, ARS RESOLUTION SERVICES has accepted all liabllity by NOT providing with the documents to verify this dent under fdcpa..I NOW WILL BEGAN TO START MY FEDERAL LAW SUIT UNDER MY RIGHTS AS A CONSUMER AND UNDER United States Court of Appeals , Third Circuit. Jennifer CUSHMAN, Appellant, v. TRANS UNION CORPORATION. No.96-1553. Decided : XX/XX/XXXX and IN THE UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT No. 00-15946 TOBY NELSON, Plaintiff-Appellant, v. CHASE MANHATTAN MORTGAGE CORPORATION, et al., Defendant-Appellees. ON APPEAL FROM THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEVADA this company has continued to violated my right under fcra & fcdpa1 by not providing me the account number of this debt.2has not provided me with no proper validation documents.3.no account number in regards of this debt.4.by not ceasing and desing this collection like demanded by the consumer.5The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the THIS IS A HIPPA VIOLATION, NO RELEASE FORM HAS BEEN SIGNED BY ME THE CONSUMER UNDER SUBCHAPTER15 U.S. Code 1692g - Validation of debts ( a ) 15 U.S. Code 1692c - 15 U.S. Code 1692e

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2023-02-16
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:
XXXX XXXX XXXX Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.

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 2023-07-13
Company: Experian Information Solutions 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 have disputed these accounts for several months and I have not gotten any responce...

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 2023-09-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I hope this message finds you well. I am writing to report a concerning issue I recently experienced in my auto financing transaction, and I am seeking your assistance in addressing this matter. 

On XX/XX/2023 I purchased a vehicle through XXXX XXXX XXXX in XXXX Georgia and financed it with Chase Auto. During the financing process, I noticed a significant discrepancy in the interest rate offered to me. My credit score is XXXX and I was offered a 9.67 % interest rate. Upon careful examination, I discovered that the higher interest rate was probably a result of the intentional misspelling of my name on the loan agreement. When I inquired about this during the signing process, the finance manager was very adamant interest rate was accurate based on all my credit history and character. He even stated he shopped the deal around to other banks but 9.67 % was the best interest rate offered to me. It is my belief that this misspelling was not accidental but was done intentionally, possibly by the dealership, with the intention of securing a higher interest rate and potentially receiving a kickback or additional compensation.

I reached out to Chase Auto questioning the interest rate and why was it so high based on my credit score, however no one was able to answer my question or assist me. I even requested a remediation of my account in attempt to lower the interest rate and was turned down.

This situation is deeply concerning to me as it not only affects the financial terms of my loan but also raises questions about the ethical conduct of the dealership. I strongly believe that such practices are unfair and may be in violation of consumer protection laws.

I kindly request your assistance in investigating this matter and taking appropriate action against any party found to be involved in this unethical behavior. My goal is to ensure that consumers like me are treated fairly and transparently in their financial transactions and are not subjected to such deceptive practices.

Please let me know the steps I should take and the information you may require from me to facilitate this investigation. I am committed to cooperating fully to bring this issue to light and seek a fair resolution.

Thank you for your attention to this matter. I look forward to your prompt response and guidance on how to proceed. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Marlette Funding, LLC
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I attempted to make a balance transfer from my Best Egg credit card account to a credit card account with another bank, but I wasn't able to. I called Best Egg customer service and spoke with a customer account specialist named XXXX. He told me that they have a policy that balances can not be transferred out of a Best Egg credit account to a credit card account with another bank, however, a balance can be transferred from a credit card account with another bank into a Best Egg credit card account. In a sense, Best Egg is forcing me to stay with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/23 @ XXXX Aid # XXXX Term ID : XXXX Card # XXXX Sequence # _ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 

I deposited {$3000.00} ( XXXX, {$100.00} bills ) into the ATM, the atm gave me a receipt saying " To be sure your deposit went through, please call us at XXXX ''. The screen turned red and said this atm is no longer taking cash deposits. the ATM didn't spit out the money while I was sitting there. 

I called next day, and opened a claim, and they also told me they'd credit my account my account, but never did. 

After another phone call the next week, I was advised there were no updates, and that I need to fax over the receipt with the claim number. 

On Friday, I went to the bank to have them fax the receipt and waited for updates. 

On Tuesday XX/XX/23 I called again to ask for an update, I was told the claim has been closed and they were not able to locate the funds. I was told there's nothing else the bank can do to help, I asked for video footage to see if the atm spit the money back out at a later time, but they told me I would need a subpoena. I asked if there is any insurances that would cover this, I was told no as well. 

At this time, I'm out XXXX and I'm not sure what else to do. 

Can you please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Someone stole my identity and due to a divorce as well, all these things keep appearing on my account which have these creditors calling and threatening me for my life to pay a bill that '' s not mines .I'am asking to have all these items removed off my credit, Everytime i disputes its an issue and one account will closed and another reappeared back on there .Its not fair to me that someone out here using my name in vain and due to the ex-husband away in jail for threatening to XXXX me, i believe he been using my name in vain a well and messing my credit up .i wrote to the credit company 's for years and they still putting things on there that's not me at all.When covid hit our world it seem like thats when everything 's got worse from me having badily and then to it was taking over the world .All my stuff was beng mis used .Please help me out, thank you so much be bless.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 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. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX  The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX  months or the last XXXX years for employment purposes. FCRA 15 USC 1681

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 2017-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion continues to report inaccurate information my credit report even after sending them supporting documents. 
For some reason Transunion did not remove it. I 'm a little confused here. How is it that the other XXXX bureaus removed the inaccurate information and Transunion did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other XXXX bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-01-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2021, I logged into my Chase Credit Card account and when I was presented with my multi-factor auth screen, there was a phone number ending in digits that are not mine, and of a phone number that is not on my account. I called Chase at XXXX Eastern , and I was told that it was probably added by the Chase technical team who sometimes needs to do this for testing, and that it would be removed but to give it a few hours. This is deeply concerning to me, especially with how pervasive SIM swapping has become. 

I am reaching out to them again as it has not yet been resolved. 

In an industry with multiple regulatory standards such as banking, I am trying to understand how someone on the backend team as described by customer support could possibly have entitlements in their systems that allow multi-factor auth to be updated with phone numbers not added or requested by the customer. There is no way to know how pervasive it is, but it certainly raises questions about internal best practices and is deeply concerning to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Cedars Business Services, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received an email from Cedars Business Services ( see attached file ) attempting to collect a debt of {$14.00} that the e-mail claimed is from XXXX -- a car rental service that I used in DC that has not done business in Washington XXXX DC for more than a year. I received similar emails from Cedars on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( today ). 

I have my records from XXXX, and I see no charge for {$14.00} and no unpaid charges. Their internal reference number is unique to this charge, I presume, but the account number does not correspond to my XXXX account. 

I spoke with the company this evening using the number provided in their emails ( XXXX ). They placed me on hold to find the records of the charge, and when the representative returned, he said that they would need more time and would email the proof of the charge to me within 7-10 business days. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX 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 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a Bank of America Visa XXXX card and on XX/XX/2023, I instigated a transfer to my checking account at XXXX XXXX XXXX XXXX of {$5000.00} On XX/XX/XXXX, Technicolor received a Prenotification from Bank of America that the {$5000.00} was coming in. However, it never arrived. The transaction number for the {$5000.00} deposit is XXXX. I immediately contacted Bank of America and filed a complaint, # XXXX but I received a letter from them on XX/XX/XXXX, that my claim was denied because no error occurred. I then requested the documentation from the transfer. On XX/XX/XXXX, I requested their documentation of the transfer which didn't come. On XX/XX/XXXX, I received another letter from Bank of America stating " here 's a copy of the documentation that we relied on to make our decision. Once again, no documentation. I called Bank of America XXXXs Help Desk so many times, but finally a person gave me a transaction number of XXXX, which I gave to XXXX to check out. XXXX accounting department couldn't make use of the number? On XX/XX/XXXX, I received another letter from Bank of America stating my claim will remain denied. After another post card to Bank of America, I received another transaction number Trace ID XXXX which was no helpful. After another call to Bank of America, I was told I needed to file a Police Report. I went to the XXXX XXXX XXXX XXXX in XXXX, Ca, and met with XXXX XXXX XXXX XXXX. The Police Report ID is XXXX. On XX/XX/XXXX, I received another " form '' letter from Bank of America, sending me the same information they had sent before. I pray you can help me recover this life-changing money!!

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 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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 explanation
Consumer complaint received 2023-03-03
Company: JPMORGAN CHASE & CO.
State: WI
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 recently applied for a chase freedom flex card. After several weeks of waiting for the results, I never heard back from the company. After realizing they did a hard pull on my credit report, I called the company back and they found my application. After reaping there mistake and accepting my account, the did a second credit inquiry on my account for the same application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation