BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
PT. XXXX XXXX XXXX ( XXXX XXXX ) always buy device and payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX ) and they have bank account at XXXX XXXX XXXX XXXX. 

With issue audit and cash flow, hecker sent notice letter by email to PT. XXXX XXXX XXXX via email XXXX to arrange payment to new account bank XXXX XXXX XXXX Chase Bank XXXX XXXX 

PT. XXXX XXXX have transfer to Chase Bank Texas - XXXX with detail : XXXX XX/XX/2022 - EURO. XXXX XXXX XX/XX/2022 - EURO. XXXX At XXXX XX/XX/2022, the hecker info that they not receive the payment with amount EURO. XXXX. After we cross XXXX  again with XXXX XXXX XXXX XXXX XXXX info never have Account in Chase Bank XXXX XXXX and after that we realize have been fraud by hecker. 

We already report to our bank in XXXX to cancell the transfer, but until now there is no feedback from Chase Bank, the fund never refund or back to account PT. XXXX XXXX. 
Please help for investigation and catch the fraud and refund our money. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: EQUIFAX, 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:
I do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX  ) XXXX****, XXXX   XXXX****, XXXX  XXXX XXXX**

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: OLD NATIONAL BANCORP
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2023 XXXX amount I sent that money to my father whos in XXXX and he told me the bank hasnt got the money from my bank in the American.

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 2020-06-08
Company: Phoenix Financial Services LLC
State: AR
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 submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document Since XXXX, XXXX, OR XXXX   HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, PHOENIX FINANCIAL, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & XXXX  FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
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:
This account XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactor reply..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XX/XX/202XXXX 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 2021-02-19
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Because of an error on the side of FedLoan Processing, my consolidated federal student loan has been wrongly split into two different loans for the purposes of TEPSLF processing. One of my loans is qualifying for TEPSLF forgiveness but the part of my consolidated loan from an original Direct Unsubsidized loan is only showing 70/120 qualifying payments. This is ALL THE SAME CONSOLIDATED LOAN. It was discharged and paid together consistently. Multiple agents at My FedLoan have reviewed my case and admitted that it is an error on their part and that the CONSOLIDATED, SINGLE loan legally should have been treated as one loan. It was " submitted for review '' over a month ago and no one is able to give me an update or time frame for when they will resolve their own error. I have asked to be in contact with the office that reviews these cases and told that they can not disclose that information and that the office is simply " The Department of the Treasury. '' I have asked for an estimated or average time frame and been told that there is no possibility of doing that. I have asked where they are in the process and been told they do not know and can not give an update. I was told an agent was assigned to my case but when I received an email from that agent, their name was listed as " ( XXXX ) '' and their phone number was " ( P ) XXXX ''. 

it's unacceptable that a {$30000.00} error has no accountability whatsoever or urgency in fixing it, that the " agent '' assigned to me won't share their name, and there is no even estimated timeframe or ability to check on the status. They have admitted they are at fault but that does not seem to change the result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Equitable Acceptance Corp
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My husband and I have consolidated our student loans thru a company called XXXX XXXX. They use a third party collector that charges us a fee of {$34.00} each on a monthly basis. We have been paying this amount from XX/XX/2016. We have been receiving bills from XXXX XXXX for a higher amount. We have tried contacting XXXX XXXX which there number is disconnected. When I tried contacting them before their number was disconnected no one returned any of our calls. I recently have stopped the automatic payments from my bank account. I spoke with a counselor at XXXX XXXX XXXX   and they stated that this company has been scamming millions of people. They advised me to cancel all payments to them and report them. Now my husband and I have received a threatening letter from a group called XXXX XXXX stating that my account is passed due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/21 and two weeks previously i tried to deposit monies into my checking account. the deposit consisted of a credit card stimulus payment from us govt, {$1400.00}. bmo harris refused to accept my id, altho this is the same id used to open this account years ago. bank tells me i must show them a state issued id or a passport. i do not own these other ids '. if my id was good enough to open an account, why is it not good enough to make a deposit. 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 2021-01-29
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The company, Comenity Bank, has raised my monthly payments multiple times based on my owed balance without informing me that this has happened. My payment has increased nearly an additional {$10.00} per month in multiple accounts over the last few months and there has been no notification or official documentation sent stating that the change would happen or my monthly payment would increase based on my total balance on the account. Its completely unfair and in all rights illegal to constantly change the payment amount that is owed - this leads to incorrect payments being made, which will then lead to late fees and fees for insufficient payments and who knows what else the bank could come up with. You can see on the attached photos how my payments have changed each month - Ive been paying the minimum due and theyve changed drastically, which is especially unfortunate due to the pandemic and uncertainty of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to formally express my frustration and dissatisfaction with the multiple attempts made to remove fraudulent items from my credit file. Despite repeated efforts, the fraudulent information persists, and I am left with unresolved issues that are negatively impacting my creditworthiness.

I discovered unauthorized and fraudulent entries on my credit report. These items are damaging my credit score and have the potential to affect my financial well-being. I promptly reported the fraudulent activities to your company and have made several attempts to rectify the situation. Unfortunately, the issue remains unresolved, and the fraudulent items persist on my credit file.

Despite these multiple efforts, the fraudulent items continue to tarnish my credit history. This situation has caused me significant stress and anxiety, and I believe it is imperative for your company to take immediate and effective action to rectify this matter.

I request a thorough investigation into the fraudulent entries on my credit file and a prompt removal of the inaccurate information. Additionally, I would appreciate regular updates on the progress made towards resolving this issue.

If this matter is not rectified satisfactorily within the exact timeframe from the date of this letter, I may have no choice but to seek legal counsel and escalate this complaint to the appropriate regulatory authorities.

I trust that your company takes matters of credit reporting accuracy seriously and is committed to ensuring the integrity of individuals ' credit files. I expect a swift and satisfactory resolution to this matter and appreciate your prompt attention to the concerns raised in this complaint. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
i have no knowledge of these fraudulent accounts. im a victim of Identity theft. The thief may obtain my information with these data breaches leaks from XXXX, XXXX and experian.

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 2021-05-10
Company: Grain Technology, Inc.
State: SC
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:
Grain is an unreliable company! I have an account setup and had auto payments set to come out each month. Not once did they tell me I was late! I got emails saying your payments due, but no worries youre on autopay and will be deducted automatically! Then I cant login to the app for a month due to issues on their end! Then they report Im 30 days late to the credit companies when I never received anything saying I was late or a payment was missed! Tried for a month to contact customer service and they were always busy and couldnt take my call! This is unfair and not in compliance with the Fair Credit Reporting Act! They are horrible T what they do and wont help you get it resolved even though it was their fault their payment was late not the customers! Im not the only one with the same complaint, just read the app reviews from the last few months, people with the same exact issues as me! And they refuse to correct the problem! Now I have a 30 day late that wasnt my fault!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My credit report at TransUnion had a bad address and a bad telephone number for me ( both because of typos ). I successfully initiated a dispute to remove both. Within seconds of opening the dispute I received email claiming that the dispute was resolved and offering a limit for me to view the results online. I viewed the results, and they showed that the bad address was removed from my report, but they said nothing about the phone number ; it was impossible for me to tell whether this was because the displayed results were incomplete ( i.e., the phone number was removed but the results didn't show that ) or the handling of the dispute was incomplete ( i.e., they removed the address but not the phone number ). I then had to waste 20 minutes on a live chat with an agent who spoke bad English, at the end of which they claimed they couldn't find the bad phone number on my report, thus suggesting that the dispute was properly processed but the displayed results were incomplete. This a stupid, basic mistake. They should fix it. 

While writing this CFPB complaint I encountered a second issue. I logged into my TransUnion account using the link in the dispute results email to view the results again so I could provide additional details for this complaint, and their web site now refuses to show me the dispute results. It says instead, " Looks like we cant access your open dispute status right now. Please try again later. ''

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 2020-01-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Healthcare Revenue Recovery Group ( HRRG, aka XXXX XXXX ) has been billing me for a payment that is not my responsibility since XX/XX/XXXX. I suffered a medical emergency in Michigan and was taken to the Emergency Department at XXXX Hospital in XXXX, MI on XX/XX/XXXX. At this time, I was fully covered for healthcare under XXXX serving as my healthcare provider. I learned that XXXX had been repeatedly denying my claim for {$1100.00} and HRRG has since been harrassing me with phone calls ( which I continued to receive while I was out of the country for a XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX ). I repeatedly paid HRRG/ XXXX XXXX several payments of {$96.00} per month between XX/XX/XXXX-XX/XX/XXXX and informed them that I had an insurance plan with XXXX . They confirmed this information, billed XXXX and received payment from XXXX yet are denying that they did so and are continuing to bill me in the amount of {$850.00}.

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 2023-07-29
Company: EQUIFAX, 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:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: GA
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:
Ive previously reported fraud and inaccuracies on my credit reports regarding an account XXXX and this has still not been removed. The creditor goes by XXXX and I need this to be resolved. Ive since contacted the XXXX to report 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 2022-10-07
Company: EQUIFAX, INC.
State: SC
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 NUMEROUS 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a letter stating that I was denied a credit card because they were unable to verify my identity however, I never applied for such a card. I tried to call the number on the letter I received but are unable to get through to anyone other than an automated system. I am worried that someone is trying to get credit in my name. The CC company is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX letter dated XX/XX/2018

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