BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-19
Company: TENET HEALTHCARE CORPORATION
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There ar e   XXXX   a ccounts left with Central Financial Control.  XXXX  for  XXXX  and   XXXX  f or  XXXX .     I was in the hospital   XXXX   XXXX   to my eldest son when these debts would have occurred. Being a  military  wife, and my son being the son of  a service member,  was covered under  XXXX . I was admitted under emergency circumstances and did not know the   XXXX   information. My husband had to get off work ( still in his  military uniform )  to come to the hospital. It was clear we were  military and  were not ask for our billing information again until we left, which we left our  XXXX  information with the lady that came in as we were packing up to leave.     We never received a bill from the hospital.     When I contacted Central Financial Control about a bill for {$1000 .00} ( approx ), it was   deleted. BUT the company NEVER said why in the letter. I had to call to which a representative spent abo ut 15 minute s having to read to find out why.     It was deleted because NO ONE ATTEMPTED TO SUBMIT TO MY INSURANCE.     I thought ok, well it is now almost 6 years past the time and I can not resubmit as my husband is now no longer  XXXX   XXXX , that should mean the oth er   XXXX   accou nts ( {$70.00} and {$8200. 00} ) should bot h also be deleted.     I got a letter back today stating that I still owe and that no informatoin was provided. It w as a military town,  every nurse in my  XXXX  room saw my husband and I have photos to prove it. I have NO PROBLEM sending my husband  's military records to prove we had insurance at the time.      Furthermore, i f one bill had never been attempted to be submitted, why would the other   XXXX   have been?      It is not my fault if the billing agent at the time of my discharge did not file the paperwork my husband filled out and thus properly charged  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC is in violation of CAHBOR and acting as a foreclosure mill. PNC is illegally without cause trying to foreclose on a property without any valid reason. These issues are all being documented. Should PNC continue their illegal activity there will be a wrongful foreclosure lawsuit brought against PNC and we will seek out other potential victims for a possible class action suit for PNC 's illegal and unethical activities. 

At issue are loss mitigation requests that have been submitted to PNC that were improperly denied. The latest review was on XX/XX/18. PNC denied the request but wouldn't even say why they denied the request. It took a written formal demand requiring specific reasons as to denial of loss mitigation options. PNC 's response took an unbelievable 30 days to respond. 

Denying a homeowner a loss mitigation option when CA law requires lenders and servicers operating in the state to help avoid foreclosure without a detailed explanation on that denial upfront is a violation of that very law, CAHBOR. Requiring a formal demand with a detailed explanation and then taking 30 days to respond is criminally negligent. PNC put up these ridiculous obstacles to take away legal time homeowners have during a default process. They ate up time to get closer to foreclosure. 

Adding insult to injury the letter provided as to the reason for denial contains NO VALID reason for denial whatsoever. The two reasons cited in the letter ( attached ) are 1. The signature of the co borrower doesn't match records 2. Co borrower was removed from title.

Number 1 is handled with a simple notarized affidavit and driver 's license that clearly prove the signature belongs to the co borrower. Standard industry practice of lenders and servicers is to ask for this information when there is signature discrepancy. Instead PNC chose to hide such an inconsequential discrepancy for the purposes of illegally denying borrower 's right to avoid foreclosure. 
2. Co borrowers can remove themselves from title if they want. As the letter states it has zero bearing as to whether they are still liable for the debt. The two have nothing to do with eachother and since PNC acknowedges that co borrower is liable for the debt they also acknowledge co borrower was participating in the short sale request. So there is no reason for denial whatsoever. The fact that sentence was added to their letter shows how grossly incompetent PNC actually is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
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: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$54.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: MD
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Entrata 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: Public record information inaccurate

Complaint:
I applied for a townhome community XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX and was denied for the following ; credit and eviction filing, judgement. XXXX XXXX, also stated that I was denied also for a bankruptcy from XXXX that was XXXX that same year, also the email that I received from the property is contradicting to what the tenant screening states from Resident Verify. I am not sure if Resident Verify and XXXX are the same company. The information was not made clear at the time of the applicaiton and I feel that information was provided illegally.I received a denial letter from their third party Resident Verify on XX/XX/XXXX I was denied based on the information provided by the third party screening. So much is contradicting XXXX balance is showing and It should be removed from that report. The company had no permission to obtain, my permission to house inaccurate information. My rights have been violated under these FCRA laws ; 15 USC 1681 section 602 15 USC 1681 section 604 15 USC 1681s-2 This information is negatively impacting shelter for myself and children and has been placed on my record fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: DC
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:
This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXXWASHINGTON, DC XXXXXXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today  XX/XX/XXXX  I was made aware that Barclays Bank Delaware made the decision not in my favor regarding an Identity Theft Report filed and a Fraud Affidavits provided to the company .Barclays sold to  XXXX   XXXX   XXXX  and  XXXX  and  XXXX   XXXX  accounts that were  open fraudulent without my approval or permission, Barclays sold the accounts to 2 outside  collections agencies knowing the accounts for reported fraudulent in  XX/XX/XXXX , this is not ethical, instead of correcting the problem Barclays sells the accounts to collections agencies.

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 2017-05-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I filed a case and the case number is  XXXX . Chase responded but did n't refund.The problem is not solved. But the case was closed.   Please investigate this case.   Please tell me if you need any documents, including tons of emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
PayPal sent me a email XXXX saying my account was getting charged {$1200.00}. I called the number listed in the email XXXX and talked to XXXX XXXX employ # XXXX and he transferred me to XXXX XXXX 's at XXXX and he told me I had to get a debit card and take out money from XXXX  XXXX XXXX to protect my account. I bought XXXX XXXX XXXX gift cards at XXXX on XXXX XXXX XXXX in XXXX NY and sent a photo of the card to XXXX. 

The next day XXXX I released some thing was not right and talked to my bank and they told me this was fraud. 

I also heard from XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-05-19
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a complaint with this company previously. They responded by stating that they sent me information verifying my debt.To the contrary I received a bill that did not have an accurate physical address. This would have not given me the opportunity to reprocess my bill through insurance or dispute this bill before it was placed on my credit. In addition I sent debt validation letters via certified mail and I have not received a bill with the accurate address nor has this company provided a copy of my signature with the provider of service to release my medical information to you. Another account was also placed into collections by this company. I sent a validation to this company as well and have yet to received a response. It has been past 45 days for both certified 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 2017-07-17
Company: AMERICAN EXPRESS COMPANY
State: GU
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Declation of International human Rights Violation I have letter from   XXXX   XXXX   senior vice president, Address to my old address. Like, I stated in my first complaint that American Express discriminated me because of my nationality and American Express knew I had money in the Bank. I had business from  XXXX ,  XXXX ,  XXXX  as   XXXX   XXXX  . and now I received my latest information for my credit.
1.  XXXX - XXXX  FAIR 2.  XXXX   XXXX -GOOD 3.  XXXX   XXXX  VERY GOOD When  XXXX  and  XXXX  made a major mistake intentionally. for put the wrong four digit number on my social security including my wife. both this companies above had copies of my social security. I also send them the discovered of violation of the loan agreement with the   XXXX   XXXX   XXXX  .
 XXXX 
I am requesting the CFPB the Director for emergency legal assistance to assist me to transfer my money in to the   XXXX   XXXX   XXXX   account. this is involved wrong doing with in t he Financial Entity an d American Express, including the   XXXX   Credit agency to covered up the illegal activity within their own office. I never reach  XXXX  score before and I now discovered, I had very good score, according to the score I had with  XXXX . I fax few hours ago to have the Director of CFPB to help in this matter urgently please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt from Capital One Bank about a credit card that I never opened. The debt collection agency directed me to this website. The account was opened without my consent. I split up with my ex wife in XXXX of XXXX the account was opened sometime in XXXX using that address where I was living with her. I have never opened anything with Capital One Bank  until XX/XX/XXXX when I went for a car loan and dealership checked if Capital One would offer me a loan. I was denied the loan because they said I have deliquent accounts with them but I never had any account with them. Next thing I notice on my credit report is XXXX XXXX in debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to make it unequivocally clear that I have no affiliation with this account, and I bear no responsibility for any associated transactions or debts. This account 's presence on my credit report is not only inaccurate but also a direct result of identity theft. I am taking immediate steps to address this matter and request that your bureau launch a thorough investigation into the fraudulent account 's origin and activities. I am providing this dispute letter as an official notification of my identity theft claim and as a formal request for the removal of this fraudulent account from my credit report. I also understand the importance of complying with the law regarding identity theft disputes. I have filed an official report with law enforcement agencies, and I am prepared to provide any necessary documentation to support my claim. Account Details : XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : XXXX. Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called Chase Bank after i realized they were charging me interest on balances for daily purchases even though these purchases were being paid off in full each month. However i received a loan from my credit card the year prior for 0 % interest and 0 payment for 1 year ending XX/XX/2023. Instead of applying my payments to my daily purchases chase bank was choosing to apply it to the loan on my account. This resulted in me being charged {$80.00} a month interest over the 12 months for my daily purchases. I explained that these monthly payments should be applied to my daily purchases and not the loan as it is not yet due. The customer service rep hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 have submitted in writing via certified mail   on two occasions a request for validation showing my signature of this debt they say I owe. They have yet to furnish this information to me.
1. original letter requesting validation with my signature   was sent and received by them on  XXXX .    2.  On  XXXX , I did not hear from them via mail so I again requested validation and the second letter was received by them on  XXXX   XXXX . On  XXXX , I receive a letter from them stating that their information is correct and sent me a copy of a statement. Which is not validating this account with my signature.     Based on the facts that they have not validated this account showing my signature, I am requesting that this derogatory account be removed from my account.     Enclosed for proof are copies of return receipt and signature from them showing that the letters were received by them. Also, is there letter that they sent out on  XXXX  and received by me on  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: IL
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:
Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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.

I demand the collections be removed from my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: IL
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:
There is an error being reported on my credit file from the creditor XXXX The account is being reported 30 days late in both XXXX and XXXX. My payments are {$32.00} per month. I pay more to cover the next month sometimes, which was the case in XXXX. However, the late is being reported when I never was more than 30 days late for neither XXXX, XXXX or XXXX ( see receipt copies ). Please assist with correcting as this is having a very negative impact on my credit report.

Company response to consumer: Closed with non-monetary relief