BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS. In XXXX Florida states that I have a medical bill in a state that I've not lived in at the time they are stating I lived in Ohio there is no way I could have went to where they are claiming I have contacted them omg they are so sp rude told me if I didn't pay they are just going to sell to someone else and hung up on me. I've disputed on my credit report still no help. I'm hoping and praying you can help me with this rude company. They are advising that I have 2 accounts in there office Date XX/XX/2016 Amount 1. {$850.00} 2 {$570.00}

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 2020-03-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with CHASE for our home, and we have been doing the loan payments on time. 

This week, XX/XX/2020 we have received a letter from CHASE letting us know that they are selling our loan, and it is been transferred starting XX/XX/2020 to XXXX XXXX XXXX ( XXXX ). 

We have reviewed online XXXX  and we have found terrible reviews for XXXX XXXX XXXX, we found it is a shark loan servicing company based in XXXX XXXX XXXX, Utah, and has an additional office in XXXX, Florida., and we found that XXXX is not accredited by the XXXX XXXX XXXX ( XXXX  ) and has received hundreds of complaints for billing/collection problems and potential FDCPA violations as you can find in the following link :. 

XXXX XXXX XXXX Since them we have tried several times to contact CHASE customer service ( XXXX ) for this matter, we are getting messages that for the CORONAVIRUS situation they are not able to answer the call before two and a half hours, so we have not been lucky getting any help with this alarming situation from CHASE We have a big concern and complaint that CHASE is not taking care of their customers in this CORONAVIRUS PANDEMIC, they are choosing the worst moment to sell our loan and let us unprotected in difficult times, and we are really on panic that this transferring of our loan may conduct to a future foreclosure process of our home.

While other banks are looking for ways to help their clients in this time of crisis, CHASE is trying to get away from his clients and is treating them like trash, leaving them unprotected at a crucial moment. 

Attached please find letter received from CHASE wit this announcement that has a big impact in our lives at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting the 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  have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my writing instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: FL
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 information and opened a credit card and got cable or internet in my name

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 2020-03-20
Company: Experian Information Solutions Inc.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-05-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-24
Company: EQUIFAX, 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: DISCOVER BANK
State: WI
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:
First phone call : I called to confirm promo and what credit bureau is used since my credit is frozen They answered my question. The promo he had said " It is in an ongoing promo '' which means to me, that it is running, and something they always have. To Discover this means that it is something they sometimes have. Very misleading. 

I call because one of the credit bureaus was unable to be un-frozen. I called they ran a different and approved prior to this again verified the promotion. I did not have time to do the balance transfer at that time. 

I call after work to setup balance transfer. I'm told it is a 14 month promo, not 18 as promised on their website. They are not willing to honor the promo. They have since pulled my credit, approved a line of credit for something that I do not want to use as there are other options for me at 18 months. If I wanted something shorter I wouldn't have opened a new line and used a line of credit i currently have. 

They want me to fax the screen shot. I do not have access to a fax. I sent the link to the promo to them via XXXX messenger. Due to account security they refuse to forward to the manager required. It is not account information. It is a direct link to their site showing the promotion. I asked to talk to a higher manager and they are refusing. They are insisting on things they can't do instead of what they can. This is the digital age. I should be able to do this all via e-mail. How am I supposed to fax a link? They can't click on it. This could have all been resolved, but they insist on dragging it out. 

This is very poor business practice. Especially saying it is an " ongoing promotion '' What does that mean to you? Means to me that it is something that is available all the time. My credit has thus been pulled based on the information they have provided. This I am not able to undo and now is a negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: SECURITY FINANCE CORP
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 usc section 602 states I have the right to privacy 15 usc section 604 A Section 2 : it also states a consumer may not furnish an account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card and or open -end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Information belongs to someone else

Complaint:
i have unauthorized inquiries on my report. i would like to get it remove if you can not provide proof such signature that i prouvide these account. according to the FCRA ANY inaccurate account thats not 100 % verifiable or accurate must be removed. please remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: FL
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 have tried to submit a dispute online for an incorrect account reporting on my credit from XXXX XXXX. I keep getting error message when I try to submit disputes at each credit bureau

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 2020-03-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the coronavirus epidemic, XXXX XXXX County is shut down which has caused a loss of business and therefore a loss of income. After watching President Trump address the nation and letting us know that our mortgage companies and other companies are working with Americans to help in this difficult time, I called Specialized Loan Servicing to find out how they are helping its customers. I explained my situation to XXXX in their XXXX Office. XXXX explained that SLS was  offering a 1-3 month forbearance to it's customers. There would be no late charges or reporting on our credit. BUT here 's the catch after the three month forbearance is up all monies are due for the three months mortgage. I asked how is that helping someone that is setting the consumer up for failure. My mortgage is {$3400.00} a month and to come up with three months at one time would be impossible it would put me in the danger of foreclosure. I asked why wouldn't the company simply put the three months at the end of the loan they would still effectively get their money. They did not have a valid response. 

In this unprecedented time it is shameful that Specialized Loan Servicing would take advantage of its customers by claiming to help but actually putting them in a worse predicament. If they are going to help they need to offer tangible help by allowing consumers to put these payments on the end of the loan. No other option of help was offered to me by SLS so I am not sure if their are more available options. 

You're attention to this matter would be greatly appreciated.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2021-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After carefully reviewing my credit file I have become aware that Portfolio holds an account representing XXXX XXXX XXXX. I have never held an account from XXXX XXXX XXXX nor had an affiliation with Portfolio Recovery. I have never even been informed about this alleged debt until receiving my credit report. The alleged debt in the amount of {$440.00} is the direct result of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your
responsibilities when reporting information to CRAs.Pleas estop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I had repeatedly contact Home Depot in reference to inaccuracies found at the time on the credit card Transactions, yet they refused to come to an agreement in order to come to a positive outcome. Home Depot then placed the account Into collection and sold the debt to an outside company without my knowledge. the Collection company XXXX XXXX I, XXXX never attempted to contact me or attempted any type of communication in order too come to an agreement in settling the debt. Now XXXX is suing me and placed me in court proceedings, How is this fair without given me an opportunity to settle the account of any and all inaccuracies. I honestly believed that calvary has violated several federal credit laws in order to keep on not just harassing me but in an attempt to collect illegally funds that do not belong to them. On or about XX/XX/2022, I made contact with XXXX and they refused to provide any information in reference to the inaccuracies on the account. they persisted on verifying the account when in fact they automatically knew my biographical data. as you can see they alleged to have purchased the account yet they have failed to provide the following : XXXX. Copy of the original contract with my signature of the debt, XXXX. Full payment history from the original debtor in this case Home Depot XXXX. Name and address of the XXXX debtor XXXX. Proof that they own or have been assigned the debt to collect. 
Also I think the account is more than XXXX XXXX XXXX? 
My credit report does not show any type of debt of the account in question? this is why I'm asking for you assistance to resolve 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 2022-02-17
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a call from a Comenity Bank representative stating my XXXX account payment was late and that I needed to pay them {$81.00}. I did not know what they were talking about because I had not used the card for a year. After they researched it they told me that I purchased a reward subscription from XXXX and that the charge was a little over {$21.00}. I had no idea what they were talking about. I was transferred to XXXX and they immediately reversed the charges because I did not agree to a subscription with them. The representative told me that the same charge was placed on my account in XX/XX/XXXX and that it was removed and should not have happened again however, in XX/XX/XXXX XXXX charged my account again. I telephoned Comenity Bank and told them of the reversal which they were able to immediately view. However, Comenity Bank refused to return the late charges from XXXX to now and they also reported me to all three credit bureaus. I have tried disputing it with them and the credit bureaus, but they are refusing to fix the issue and return XXXX points taken from my credit report. Please help me with this matter because it is not fair that I am being punished for a purchase that I did not make. Sadly Comenity Bank is aware that XXXX applies these reward subscription charges to unknowing, unsuspecting consumers and does nothing to quail this behavior. I know this because the representative who transferred me to XXXX told me so. It was not the first time that she has seen this and the fraud investigator stated the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 explanation
Consumer complaint received 2023-04-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My original complaint which photo will be attached i was told by the Board of governors of the federal reserve to submit my complaint here. I am writing in concern to an assessment due on CFO XXXX XXXX of AMERICAN EXPRESS COMPANY XXXX XXXX XXXX, XXXX XXXX XXXXXXXX for breach of fiduciary obligations. I have written the CFO three times in relation to adverse action on my credit card account and he has consistently ignored my letters. I would like for review and for resolution.This egregious error by CFO XXXX XXXX has held me from performance of the contract in which I have a secured interest. I would like for him to properly do his job so I can do mine. If I am unable to get resolution in 10 business days I will take action to court for breach of contract. Attached will be a photocopies of the documents sent mail with tracking numbers & signature as proof of delivery to his office. Some photos reference previous letters tracking number

Company response to consumer: Closed with explanation