BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account does not belong to me. I do not know where this account came from but it is not mine!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I leased a new vehicle which Chase Auto Loan financed. After the lease period ended, I purchased the vehicle by converting the loan from a lease to a purchase. Chase remained the finance company. I have been unable to register my car for 2 years because chase has not sent me the title of the car. I have called a dozen times over the last two years. Each time I am told that the title would be sent directly to me. The DMV faxed them a letter specific to my issue that stated that Chase needed to send me the title before I could register my car. Over the course of these 2 years, they have asked for proof of insurance, saying they needed that before sending me the title. Each time ( most recently a week ago ) it was provided, each time the title was not sent. Payments continue to be made on a car that is not legal to drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2017-05-10
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have put an account on my credit that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: AXOS FINANCIAL, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened the custodial checking account with Axos Bank on XX/XX/2021 and tried depositing {$1000.00} check via the mobile app. 

I have been getting rejections twice. After the third attempt, the deposit finally had been " successful '' ( XX/XX/2021 ). Since then, I am still waiting for the funds to show in Available Balances ( it has been 8 business days already ). The money has been taken out from the original bank account, but is not available in Axos account... 

Calling Customer Service does not help. The response is " check is on-hold '', but why? Please help, this bank is terrible. 

Bank Name : Axos Bank Account # : XXXX Name : XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Capital Management Services, LP
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: Account information incorrect

Complaint:
XXXX XXXX is reporting an account ( XXXX {$910.00} ) on my credit files, i have contacted them requesting validation they say that there other company capital management is collecting for them. I contact Capital Management is sending me settlement letters by mail, asking for validation for this account that I have never had business with this company and tell me that they have no account info for me, but that I need to pay the account off with there offer. I have no knowledge of this account with either company. I have attached the settlment offer from capital management

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 2021-12-03
Company: DISCOVER BANK
State: NY
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:
XXXX - I called to inform Discover that there are new pending unauthorized charges XXXX - I was denied the right to pay the balance in full, Discover representatives say they can't take a payment due to the fraud activity If I don't pay the balance in full on XXXX XXXX will report my current balance to the reporting agencies and my XXXX will be negatively affected, I do not carry balances past the 30 day cycle periods which, for XXXX, occur the XXXX day of each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-08-13
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I made a purchase for immediate delivery for a total of {$1000.00} invoice XXXX. The items were not delivered for unknown reasons, but the app reflected a delivered status. I immediately filed a complaint with Goldman Sachs and the XXXX XXXX that same day. The next day, XXXX  immediately cancel the order on XX/XX/XXXX transaction # XXXX. As of today, I have only received a refund for the taxes in the amount of {$56.00} and the delivery fee of {$9.00}. I have called and disputed the transactions and partial refund with the merchant and credit card company. They both continue to pass the blame the other and hold these cancelled transactions against my account. The merchant states the cancellation processed and Goldman continues to state the transaction was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditor during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 

The information in dispute is as follows : Account Name : XXXX XXXXXXXX Account Number : XXXX Date Reported : XXXX Inaccuracy : such as an incorrect Late payment status Account Name : XXXX XXXX XXXX Account Number:XXXX Date Reported : XX/XX/XXXX Inaccuracy : such as an incorrect Late payment status I have reviewed my records and have determined that the information being reported by [ Creditor Name ] is incorrect and does not accurately reflect my current situation. As per 15 U.S.C. 1681s-2, furnishers of information are required to ensure the accuracy and integrity of the information they provide to credit reporting agencies. 

I kindly request that you initiate a thorough investigation into the disputed information and take appropriate action to rectify any inaccuracies. Specifically, I request that you : Conduct a reasonable investigation into the disputed accounts and the information provided by Creditor. 
Verify the accuracy of the reported information with Creditor and any other relevant sources. 
Promptly correct or delete any inaccuracies found during the investigation. 
Notify me in writing of the results of the investigation and any corrections made to my credit report. 
I have enclosed copies of supporting documents that validate my position and demonstrate the inaccuracies in question. These documents include [ list the enclosed supporting documents, such as payment receipts, correspondence with the creditor, or any other relevant records ]. 

Please be aware that under the FCRA, you are required to complete the investigation within 30 days of receiving this dispute letter. I appreciate your attention to this matter and the prompt resolution of the disputed items. 

Thank you for your assistance in rectifying this issue. I look forward to receiving your response and an updated credit report reflecting the accurate information. 

Sincerely, 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 2021-08-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My family and I traveled to XXXX XXXX on XX/XX/XXXX, through XX/XX/XXXX of this year ( XXXX ). We used our Marriott Credit Card just a few times there. In XXXX we discovered that once we left until I discovered in XXXX that several transactions each day were being charged for thousands of dollars. I went to the branch ( JP Morgan Chase ) here in XXXX XXXX, MI ( XXXX ) and put in the claim for fraud. The lady there was very helpful and I could not have gotten to the bottom of it as quick without her help. Within days I seen all the charges ( about a XXXX of them ) credit back as well as the interest. We also canceled the credit card and I got a new number in the mail. 

A few weeks ago I noticed that some charges were put back on my card totaling XXXX that were put back on resolutions department. Which in turn we sent them proof of our travel back to the state on XX/XX/2021. 

We received a letter from them saying that they are removing a XXXX charge. but the other charges were valid since the merchant says so. 

I called back into the resolution department and put in another dispute which then sent me a letter sayin those are valid. 

I have been with JP Morgan Chase for almost a decade and up until now they were very good, but with the international fraud issues we are experiencing they have completely dropped the ball.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-23
Company: HW Holding, Inc
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please reference case # XXXX closed XXXX. Again, I do not owe the balance in reference as on three separate occasions the sewer backed up in the 2nd floor bathroom. Please see case notes from the XXXX XXXX XXXX below as the case was dismissed. 


Case Type Housing Court Summary Process Case Status Closed File Date XX/XX/XXXX DCM Track : Initiating Action : SP Summons and Complaint - Non-payment of Rent Status Date : XX/XX/XXXX Case Judge : Next Event : Property Address XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Plaintiff Alias Party Attorney Attorney XXXX, XXXX, XXXX A Bar Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone Number ( XXXX ) XXXX More Party Information This is tooltip Text. It should display nicely. 
XXXX, XXXX - Defendant XXXX XXXX Attorney Attorney Pro Se Bar Code PROPER Address Phone Number More Party Information This is tooltip Text. It should display nicely. 
Events Date Session Locality Location Type Result XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Summary Process Trial Dismissed Docket Information Docket Date Docket Text File Ref Nbr. 
XX/XX/XXXX XXXX XXXX : Entry of Action filed ( Section XXXX - M.G.L. XXXX XXXX, XXXX ) SURCHARGE Receipt : XXXX Date : XX/XX/XXXX XX/XX/XXXX Summary Process : MGL Chapter 185C Section 19 ; Chapter 262 Section 2 Receipt : XXXX Date : XX/XX/XXXX XX/XX/XXXX SP Summons and Complaint - Non-payment of Rent XXXX XX/XX/XXXX Notice to quit filed XXXX XX/XX/XXXX Scheduled Event : Summary Process Trial Date : XX/XX/XXXX Time : XXXX XXXX Result : Dismissed XX/XX/XXXX Event Resulted The following event : Summary Process Trial scheduled for XX/XX/XXXX XXXXXXXX XXXX has been resulted as follows : Result : Dismissed Reason : No one appeared Appeared : XX/XX/XXXX After notice and opportunity to appear for the following event : XX/XX/XXXX XXXX XXXX Summary Process Trial the above entitled matter is dismissed for the following reason ( s ) : * Neither party appeared.. XXXX XX/XX/XXXX Case Disposed Case Disposition Disposition Date Dismissal XX/XX/XXXX XXXX XXXX XXXX  XXXX an equivant company , XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to purchase my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been victim of identity theft and I keep trying to fix it, I already contacted everyone regarding this matter, yet no one is helping me. Someone has opened a loan under my name without me knowing. I have already contacted you as well about this problem yet there is no action. Please help me to fix my credit and remove the fraudulent account from my report. It is XXXX XXXX XXXX XXXX XXXX loan, Date opened XX/XX/2022.

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 2022-06-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had some unauthorized charges on my bank account, when I was doing my monthly review I noticed them and called my bank. I was told there will be provisional credit issued within few days and that never happened. I got a call today from the bank to inform me that the claim is denied and there was no proof of fraudulent charges because " the card was still in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-12-23
Company: UHG, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification from the court that said that I did not appear to court on time and the letter did not tell me the time either, and then it appears that it was in early XXXX when I received the notification a week ago. One week after the 1st notification I received the demand for payment. and obligation now i don't know what i can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a Chase Sapphire Reserve card which comes with a membership to a program called Priority Pass which allows access to airline lounges. I traveled out of the country on XX/XX/XXXX and realized when I was at the XXXX International airport that I left the priority Pass card at home. I made 4 phone calls to Chase to ask for my membership number for Priority Pass ( so that I could be allowed to enter lounges while traveling ) but eventually I was told that the department that could give me my number was closed on the weekends but that if I paid for a lounge at each of the airports I would be traveling through on my trip, using my Chase card and that when I returned I would get a refund of my money. I clarified that this was truly the case and was told that I would get refunded the money. On XX/XX/XXXX I used a lounge in XXXX for which I was charged {$110.00}. I did not use any other lounge on my trip. When I returned I called Chase Sapphire Reserve twice about this matter and received a letter in the mail each time stating that they would not refund the charge since in XX/XX/XXXX they had reimbursed {$40.00} for another lounge I used ( this was because I had not received my Priority Pass by mail in time for my trip ). I was told on the phone very clearly that Chase would refund the cost of the lounge but now I am not getting the refund. I don't think this is fair especially since there Priority Pass department is closed on the weeekends and since I pay a {$450.00} annual fee for the card to get benefits like Priority Pass.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( XXXX ). BLOCK AND REMOVE

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