BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: TENET HEALTHCARE CORPORATION
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am attempting to pay off the debts I have that are negative marks on my credit. In looking at a medical bill collection I noticed that under XXXX my medical debt is listed under Syndicated Offices for XXXX $ but it 's listed on XXXX under Central Financial Control for the same XXXX XXXX I never received any collection notifications in the mail or by phone call from either of these collection agencies. How do I know that these companies are one in the same? Why are they listed as two different businesses? How do I know that offices in California have a right to collect for North Carolina? <P/>I did research and it said that they had to provide over XXXX $ XXXX to people in California. It just seems very odd to me and I want to make sure this debt is actually mine and not some type of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting an account that is still being disputed with XXXX. This should not even be reported. Also, the amount and dates of the report are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received email notice of a new checking account opened in my name Sunday, XX/XX/XXXX. I called Bank of America immediately and they couldnt help me because the fraudulent account department wasnt open on Sunday. I called again on Monday, to the number supplied ( XXXX ) waited on hold for more than 1 hour, was told they couldnt close the account, transferred to the fraud department, was told they couldnt close the account because I didnt open it, transferred me to another department, and then the call dropped. I havent been able to close the fraudulent account and no one can seem to help.

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 2022-02-14
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My main checking account is with Chase Bank. The last commission check I received from XXXX XXXX in XXXX ended up locking and eventually closing my Chase account. XXXX XXXX 's bank is XXXX XXXX. 
I deposited my check from XXXX XXXX on the XXXX of XXXX. Chase bank put a hold on the check, as usual. After 10 days, I called Chase to see why the funds were still not available. The response was that XXXX XXXX no longer verifies checks and the phone number for XXXX XXXX, XXXX, in the Chase system does not match the check. End result was that they closed my accounts for suspicious deposit. I have contacted XXXX XXXX to see if the money has been returned to the XXXX XXXX account but has not been done so far. 

Chase bank already cleared the check and Chase Bank has the funds. Chase bank was my bank that I deposited the money in, they received the funds then closed my account. Chase says they have the funds suspended and will not send the funds back to the XXXX XXXX until XXXX XXXX disputes it. XXXX XXXX says they will not dispute it because Chase bank accepted the money Chase XXXX XXXX XXXX XXXX Nevada XXXX XXXX in XXXX Nevada XXXX XXXX in XXXX XXXX  Amount of check {$7100.00} that is being held by Chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: U.S. BANCORP
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
US BANK -- In regards to case Case # XXXX -- US BANK I think the point here has been missed. US Bank freely admits that they stopped sending me monthly statements on an account that has a different amount due every month as well as revoking access to the account so that I could not make payments. They are clearly at fault here for the only missed payment I have every made. During the time that this account was in their " Lien Monitor '' status I was also unable to make any payments. I spent hours each month in my local branch trying to sort this out, even the branch manager did NOT know how to make a payment on this account. I have multiple hours of calls recorded where US Bank associates repeatedly tell me that I CAN NOT make a payment on this account. <P/>The delinquent taxes were from before I owned the property and before this HELOC was opened but I paid them as soon as I found out about them. which was last XXXX. The response letter also states that I made payments for XXXX through XXXX, but my credit report shows no payments from XX/XX/XXXX until XXXX of XXXX, which their letter clearly shows in not the case I am not sure how US Bank can just say, yes we did that and no, we are n't going to fix that, messing up my life for the next 10 years. What 's even more egregious is how the original case would be closed with that as an acceptable answer. It seems to be more of a Bank protection bureau not a consumer protection bureau. <P/>US Bank fully admits revoking access to the account as well as the ability for me to even make a payment. I have 2 of US Bank 's own branch managers that are just as shocked and confused by this as I am and fully agree with me that this should not be reported as a late payment since even they could not figure out how to make payments to this account, Each month took a minimum of 2 hours in a branch to make payments which was time off of work as well and I have about 6 hours of recorded phone calls with US Bank repeatedly telling me that they CAN NOT take a payment from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27
Company: EQUIFAX, INC.
State: LA
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 no knowledge of the following the account XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
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: Public record information inaccurate

Complaint:
As starters, the U.S. Bankruptcy Court provided me with a letter that was forwarded to Transunion which clearly states they DO NOT report to Credit Agencies. In addition, the public record does n't does not list a FULL social security number ( last 4 numbers only ), the address on the bankruptcy does n't below to me and I never lived there, and it 's not an exact match to prove my identity for it to be reporting on my credit file. I tired 4 times to dispute the issue on dates ( s )XX/XX/XXXX and XX/XX/XXXX. I am a victim of identity theft which is also listed in their records but they are still not in compliance with removing information they are not able to truly verify. Their erroneous mistake is causing a nightmare in my life. When I verbally spoke to representatives today in their fraud dept.XX/XX/XXXX, they were very rude, and hanging up on me. And was advised, " ... The information does n't have to match, the name and last 4 digits of  the ssn that they are able to see are good enough ... '' Please make this company follow the guidelines, and REMOVE this Public Record from my credit profile ASAP. They are the only credit bureau that is listing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Social Finance, Inc.
State: MO
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:
Date opened : XX/XX/2021 Amount : XXXX Credit Limit : XXXX The Balances on my Account were Fraud Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: AZ
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:
The list of incorrect information was unknown and erroneous. The information were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following information 's be corrected and removed accordingly. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date Updated XXXX XX/XX/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 2019-05-16
Company: EQUIFAX, INC.
State: MD
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 submitted a complaint regarding Equifax 's inaccurate reporting of a bankruptcy to no avail. Equifax states it receives it's public record information from XXXX Consumer Center however Equifax 's bankruptcy reporting on my credit file is not consistent with XXXX. The attached XXXX Consumer Report has " No Records Found '' listed in my Bankruptcy portion of my report. Please refer to page 11 of my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am going over my credit report and I see that my information is either inaccurate or old dated. 
My name is XXXX XXXX XXXX I am XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
My DOB XXXX SS XXXX MY only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX PHONE NUMBER XXXX THE FOLLOW ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE A HARD INQUIRES ON MY CREDIT REPORT THAT ARE UNAUTHORIZED I NEVER DONE ANY BUSINEES WITH XXXX XXXX, XXXX, XXXX XXXX. PLEASE REMOVE THEM THEY ARE NOT AUTHORIZED. I WOULD LIKE TO BE OPTED OUT OF ALL PROMOTIONAL CREDIT CARD ADD AND INSURANCE PROMOS. 
THERE IS A ACCOUNT SHOWING ON MY CREDIT PROFESSIONAL BUS BUR # XXXX****. THIS ACCOUNT WAS NEVER IN COLLECTION AND HAS ALWAYS BEEN PAID IN FULL, NOT SURE HOW OR WHY IT IS ON MY CREDIT REPORT PLEASE DELETE THIS ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: EQUIFAX, INC.
State: CA
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:
There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me..XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: EQUIFAX, INC.
State: LA
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 no knowledge of the following account XXXX XXXX XXXX. Please  investigate and ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a payment in the amount of {$1100.00} on XX/XX/XXXX, stating it was to be applied to loan XX/XX/XXXX, with an initial balance of {$11000.00}. It was an extra payment above my monthly auto-debit. I requested it be applied only to principal. I reached out on XX/XX/XXXX because I noticed that {$5.00} had been applied to interested, and {$1100.00} applied to principal, even though I specifically stated all the payment was to go to principal. I contacted customer service, and the rep said they had to apply payments to any interest or late fees first, as that it was their policy. There was no changing that, and the only way around it was to submit additional payments on the same day as the auto-debit. I said okay and that was the end of the call. On XX/XX/XXXX, I was in the process of submitting another payment when I noticed that they payment from XX/XX/XXXX had now been applied to my other loan in the amount of {$270.00} going to principal and {$8.00} going to interest. I contacted customer service via a phone call, speaking to a rep named XXXX, and have documentation of the message I sent following the phone call. I told XXXX that the payment from XX/XX/XXXX had been misapplied, and she said it would be re-applied to the correct loan within 7-10 business days. On the 9th business day, I reached out to see if the re-application was still in the works, the rep told me it may take until after XX/XX/XXXX. On the 10th business day, the initial deadline I was given, the payment had not been fixed and I was told that the issue would be escalated, and it should be fixed by XX/XX/XXXX, given the holiday. On XX/XX/XXXX, my payment was still not fixed. I have numerous correspondence letters documented, which also track what was stated my phone calls that I 've had with different representatives. At this point, I 'm not being given a timeline for when this issue will be fixed at all. The representatives tell me they have no contact with their Financial Management Department. Also at this point, I 've attempted to refinance the loan, and due to my refinance lender 's error, {$8500.00} was sent to MyFedLoan, and MyFedLoan blanket applied the amount to both loans, even though I sent messages to MyFedLoan stating the loan XX/XX/XXXX was being refinanced. MyFedLoan will not work with me to get my XXXX issue resolved and now I have no hope that I will ever get my situation fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 was so stressed regarding to those unknown and inaccurate account that I've found on my credit report and I've sent documentation for almost 30 days now but I haven't received any response yet. I demand to REMOVE IMMEDIATELY those accounts or I will file litigation.

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 2017-12-30
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I cosigned a loan on XXXX/XXXX/XXXX in the amount of {$9700.00} for a career training program at XXXX XXXX XXXX XXXX, in XXXX, MD. The loan was originally with XXXX XXXX, now it is with Navient. The original borrower discontinued paying the loan, so I am currently trying to pay this loan off. XXXX XXXX would not allow me to apply to be released as the co-signer. The original borrower is capable of paying for this loan, but no attempts were made to obtain payment from original borrower. I continue to make payments because I am a XXXX employee and having delinquent student loans would effect my employment status and credit rating. To date, I still owe {$3000.00}. The interest rate was 9.750. Not sure what it is today because I have not receive any information from Navient regarding this loan. Loan origination date was XXXX/XXXX/XXXX, however on XXXX/XXXX/XXXX I received a statement from XXXX XXXX stating the principle balance was {$10000.00}. Payments for this loan in the amount of {$120.00} are automatically deducted from my checking account monthly, and according to my calculations, the balance should be paid in full by now. During the course of this loan, many fees have added and the balance barely decreases with each payment. I am unable to speak with a representative about my account to get any details, however I am able to get the total balance due through an automatic system by entering the social security number of the original borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The list of incorrect information was unknown and erroneous. The information were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following information 's be corrected and removed accordingly. 
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 2019-05-27
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: Public record information inaccurate

Complaint:
have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with non-monetary relief