BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received any letters or contact from this company it just showed up on my credit report.     I have no clue who they are and have no contract or such with them.      XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX  I tried disputing through  XXXX  but was told updated and that was it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: EQUIFAX, INC.
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 have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond. XXXX XXXX, XXXX - Opened XXXX, should be also deleted since it is seven years old.
XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX. <P/> These XXXX accounts below on my XXXX are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my Equifax and XXXX I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies. <P/> XXXX XXXX XXXX XXXX Opened XXXX XXXX - is reporting on my Equifax report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report. <P/>
XXXX XXXX XXXX account - Opened XXXX XXXX, is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
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: Old information reappears or never goes away

Complaint:
still reporting old debt that's is still on my credit report and I filed chapter XXXX bankruptcy last year. so the information should have been up dated by now. cause I got the discharge on XXXX of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife and I leased a XXXX XXXX through Chase Auto Finance in XXXX, XXXX. It was a 42 month lease and we had perfect payment history - often paying 3-6 months in advance. When the lease was up inXX/XX/XXXX I called Chase AND the local dealer multiple times to make sure we didnt owe anything else at the end of our lease. Everybody told us we were paid up and there should be no further payments. So, we returned the car on/around XX/XX/XXXX. Then, approximately 25 days later, I received a call from a number I did not recognize stating that I owed {$300.00} for an end of term payment and that I could only pay by giving them my checking account and routing number over the phone. No payment portal, no credit card or debit card payments, and no email remittance. I told the gentlemen that it felt very suspicious and I was not at all comfortable with that. I then asked if he could send me an email so I could confirm that he worked for Chase. He said he didnt have email. I asked a few more probing questions and he said i should be receiving a letter notifying me of my payment due. I told him I had not received any such letter but when I did, Id pay immediately. 

Fast forward a few days and I got a credit reporting alert saying that I was 30 days late on a Chase Auto payment. I immediately called chase and asked them what in the world was going on. They were very unhelpful but offered to take a payment to prevent further late-payment reporting. 

I then tried to dispute the late payment reporting directly through Chase and not a single person could even help me file a dispute. 

Again, I had 42 months of early payment history and I a substantial balance in a Chase checking account for the latter part of my lease. We never had a single issue and it is absurd that I cant even get a dispute filed through Chase after this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion Continues to enact improper reporting practice on my credit bureau. They have merged my file with someone else 's. There is a Chapter XXXX and Chapter XXXX Bankruptcy listed my report that belong to another XXXX XXXX. I have attached a copy of my drivers license as proof of my identification. I have also attached copies of my leases dating back to 2010 to prove my whereabouts. I have attached copy of the discharge papers obtained from the court. The XXXX XXXX listed here has another social security number, as well as a different address. My social security number as noted on my credit report is XXXX. I never lived at XXXX XXXX XXXX in XXXX IL. Please immediately remove these erroneous listings from my credit report.

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 2017-07-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have ask Credit reporting companies to investigate wrong account information on my report but they only verify ownership when I Never ask for ownership of 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 2017-11-14
Company: GFS II, LLC
State: MI
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:
On the XX/XX/XXXX I submitted a request via telephone to XXXX credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which XXXX 's response to my request is that XXXX 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I  would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. XXXX is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I 've received mixed messages from my lender, Mohela, concerning my loan balance : XXXX XXXX, XXXX : Received message from Mohela explaining my loans are paid in full. XXXX XXXX, 2017 : Received official paid-in-full letter. XXXX XXXX, 2017 : Current student loan interest statement now indicates my principal balance is {$17000.00}. <P/>If I owe $ XXXX, then why did I receive messages that I paid my loans in full?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: ERC
State: MI
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:
On the XX/XX/XXXX I submitted a request via telephone to XXXX credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which XXXX 's response to my request is that XXXX 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. Transunion is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2021-10-12
Company: Client Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have received several phone calls from this one company. Yesterday, they call my personal cell phone and today my home phone. When I returned the call, whomever answered identified themselves as client services. I asked the name of the company and was told the name of our company is client services. I realized this was the same person that contacted me the prior day, so I again asked what the nature of his call was. He asked if he could speak with XXXX XXXX. So, I asked if he was looked for XXXX or XXXX and again asked what the nature of his call was and asked him to identify himself and again state the name of his company. I was then informed that they will just move forward with legal action will see me in court. 

Client Services phone number is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have been requesting the permissible permission and copy of the credit report for XXXX XXXX XXXX XXXX XXXX # XXXX. The credit Reporting Agencies and XXXX XXXX XXXX XXXX claims it is in the mail after almost 4 years. The loan was fraudulent but XXXX XXXX XXXX XXXX denies. So, to prove their error, I have been requesting the permissible permission used to access my credit report to check me out before any permission, application, and contract. IT DOESNT EXIST AND THEY KNOW IT!. But XXXX XXXX XXXX XXXX labels every request and complaint as duplicate and after almost 4 years, I have yet to receive anything but copy of the auto contract and undated application. XXXX XXXX XXXX XXXX reports to The Credit Reporting Agencies verifying the account as correct and accurate. The XXXX XXXX Agencys role in the dispute process is to review the accuracy and completeness of any disputed item. How can valid when the permissible purpose and application doesnt exist? Both Credit Reporting Agencies and XXXX XXXX XXXX XXXX are masters of smoke and mirrors.

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 2019-11-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO HOME MOR has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-11-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We are responsible for the upkeep of our property according to the mortgage contract. We filed an insurance claim with the current servicer Rushmore Loan Servicing, however the company is holding funds and are refusing to provide draws in order to complete the work. It is common in the industry for lenders to provide draws based on the percentage of the work performed. The lender issue the first check in the amount of {$17000.00} out of the {$30000.00} projected payment for roof repairs. In order to continue the repairs the contractor needs to get another advance or draw to complete. The lender is refusing to pay claiming that the roof needs to be 100 % completed. Unless the lender advances the contractor for materials and labor we would not be able to complete the work. The lender is acting in bad faith and are ignoring any type of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: PRESTIGE FINANCIAL SERVICES 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: Account status incorrect

Complaint:
Prestige Financial stopped reporting positive payment history. Payments made under 30 days, went unreported to XXXX for several consecutive months in XXXX. During my attempt at rebuilding decent credit, Prestige failed to update XXXX with payments made in good standing. When I fell behind XXXX days XXXX, Prestige quickly updated my account and listed the account as currently past due on the same day the agreed upon payment arrangement cleared. Post payment, I am left with a currently past due account on my credit report. Presitige Financial chooses when to report your credit activity and its not when your account is positve or timely. Prestige also updated the same account XXXX as currently past due to XXXX, after years of reporting the account was closed in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Comerica
State: WV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I receive XXXX for myself and dependant children, on Direct Express ... XXXX mistakingly deducted {$620.00} off of my card.I resolved this situation with this entity. They canceled the transactions to be placed back on to my card ... I have called Direct Express over 50 times ... they Hang up on u!!!! I Even called Comerica bank the issuing bank under contract with the federal government ... no one picks up!! As soon as I stated direct express on automated service, it's over with for me!! ..All I want is confirmation that they are going to put that money back on my card that XXXX has already released to it. This is the money we survive on! I have minor children ..and none of these people care cuz it isn't them dealing with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2017-07-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I wish to lodge a complaint about my  Costco Citi Visa car d. I discovered that the card had been disabled on  XXXX   XXXX  when it was refused at  XXXX    XXXX    XXXX  in  XXXX , CA. I had inadvertently missed the  XXXX  monthly payment specified in the  XXXX  statement. The  XXXX  statement specified a  XXXX   XXXX  due date. I had several weeks earlier scheduled full payment by that date, including the late payment fee and accrued interest. Since that statement due date had not been missed, there was no reason for Citi to disable my card.

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 2019-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
During the month of XXXX 2019, I lost my credit card and fraudulent charges were on my account for my Chase Amazon Visa ending in XXXX adding up to {$4000.00}. I contacted Chase Amazon Visa and notified them of the charges. There was a fraud case started and they applied a temporary credit to my account. In XX/XX/2019 they reversed the charges back to me. I contacted Chase and was told that they had multiple evidence that the charges were made by myself. Since I knew that was FALSE I asked them to provide me the so-called evidence. I was provided with screenshots of the orders going through which only shows the purchase and email, address, and phone number which, is NOT enough evidence in today 's technology world. The email on the order is not my email, the phone number is not my phone number or any other connection to myself. I made a police report within the city I reside in and I provided Chase Amazon Visa the police report and I asked them to re-open the case since they had false information of the order being placed by myself. I was provided a letter after and said they found no evidence of fraudulent charges and I would be responsible for the charges. When asking what they are basing their decision on and to provide me in writing of their conclusion, I was told they can not do that. As a consumer, I am entitled to know what I am paying for and why also, why I am responsible for an email and phone number that is not mine. I am contesting their decision and charges placed during XXXX 2019. I would like the Consumer Financial Protection Bureau to evaluate this situation and help since my rights have not been exercised from Chase Amazon Visa ending in XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation