BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: HCFS Healthcare Financial Services of TeamHealth
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:
Strictly for XXXX XXXX XXXX, XXXX, XXXX, XXXX. PLEASE REMOVE ANY OTHER ADDRESS LISTED OTHER THAN THE LISTED ADDRESS THANK YOU. Here is a final letter and the final attempt to reach out to you. I would like for you to know that all letters and conversations between us have been previously recorded. I have sent in previous certified letter since XX/XX/XXXX and I havent gotten a response on my case. Your company has violated my rights within The Fair Credit Reporting Act within sections 609, 611, 612, 623, and several others. I am seeking a total of {$3000.00} for damages and the detriment to my personal credit file. Your company is reporting erroneous information and I am unaware of it. This is the final good will letter and will contact the attorney generals office in Florida, make sure your company is placed on public records file. If you think that youre going to get away with this you are wrong and I know all of my rights. I asked for several documents in XX/XX/XXXX of last year. I asked for original contracts with my signature, by law if you didnt respond within 30 days the erroneous accounts listed were to be removed and you continuously report it. XXXX XXXX XXXX THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2020-03-05
Company: Kriya Capital, LLC
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: Old information reappears or never goes away

Complaint:
I have had a XXXX collection appear on my credit report periodically for over ten years. I dispute it, the credit reporting agencies remove it, it reappears a year later. It's back. Again. I don't know what else to do. This time the collection agency is Credence Resource Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm having problems getting in touch with the credit bureaus to update and correct my personal information.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: LA
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:
These account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account Immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$22000.00}, {$20000.00}, {$0.00}, {$0.00}, {$5700.00}, {$400.00}, {$500.00}, {$92.00}, {$710.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

3. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXXXXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$92.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$710.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

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 2019-03-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX. 
My DOB XXXX SS # XXXX. I need to update my employer XXXX XXXX IS MY CURRENT AND ONLY JOB. PLEASE DELETE THESE EMPLOYERS NOT MINES : XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
I had some issues with my ID being compromised and I need to file a complaint to have these addresses deleted : XXXX XXXX XXXX, XXXX, OH   XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 I submitted a Goodwill letter to Capital One asking for a courtesy removal of late fees from my credit report. Capital One responded in a letter dated XX/XX/2020 stating due to the Fair Credit Reporting Act, they could not honor my request. This is not true, the Fair Credit Reporting Act does not prevent them from honoring my request. Stating that the Fair Credit Reporting Act is the reason my request could not be honored is misleading and in my opinion an improper disservice to me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX called my Dad and told him my account balance, payment history, ect. We do not share accounts and they did not have my permission to divulge this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My account is closed but I have a negative balance due to refunds. Ive requested a check from them but they have yet to send it. I requested the check on XX/XX/XXXX by phone and they said a check would be sent in 5-7 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have my home mortgage account with Fifth Third Bank. My payment is made with escrow included. In XXXX my monthly payment including escrow was increased from {$1900.00} to XXXX. My payment are made automatically with {$1900.00} in XXXX, and again in XXXX. However with XXXX being short of {$27.00} the bank placed my account into foreclosure. Ive made the payment differences and full for both XXXX & XXXX on XX/XX/2020. Ive asked the bank to remove this foreclosure on my credit and was told they can not due to not taking partial payment. Again my mortgage payment is made with principle, interest and escrow. 

Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: OH
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:
This account is inaccurate XXXX XXXX XXXX NA # XXXX. The Last date of Activity, Payment Status, Account Type - Detail shows " CREDIT CARD '' on Experian while the XXXX and XXXX is " REVOLVING ACCOUNT '' and a FCRA violation. Please remove this inaccurate information 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 2020-02-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My brother and I have a joint account with Chase Bank. My brother contacted Chase to dispute one charge of {$310.00} from XXXX. XXXX and weeks passed by, I noticed a claim reversal of {$350.00} from XXXX was reversed back from a Chase employee that we didnt authorize. Then another day passed by, again, another claim reversal was reversed back of {$310.00}. My brother inquired to Chase about the {$350.00} that wasnt authorized. A Chase Executive employee had open this case and it was accurate. My brother mentioned to the Chase Executive to listen to the media files of the conversation he had with the employee from the claim department. The Chase Executive confessed and stated my brother is correct and how the employee committed fraudulent activities, reversed back two charges instead of the one he inquired of {$310.00}. However, Chase has not removed the unauthorized charge of {$350.00} that was reversed back. This caused my account to go into negative and insufficient fee occurred. I also noticed they reordered transactions from highest to lowest that was already posted to my account to cause excess overdraft fees. Also, today, they took money of {$140.00} from another joint account I have with my mother to try to cover for the negative account I have with my brother. Chase are endorsing fraudulent activities from employees and not taking accountability for their actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-21
Company: FISERV INC.
State: IN
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:
XX/XX/20 used atm that did not dispense cash. XX/XX/20 called money network and dispute transaction. They said that they would credit my account and mail a dispute letter within 3-5 days. I called 3 times days after because I didnt get letter or credit. After 9 days I received letter I faxed and mailed. After many calls I am told merchant agreed to return my money. Yet after 30 days I still have not received my money and getting a run around

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 2020-05-20
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX, I contacted Equifax via certified mail in response to a recent claim that the Illinois Federal Court verified the bankruptcy under my name is accurate. I challenge the accuracy, compliance and reportability of this listing because the information was NOT released via United States Federal Court but through a 3rd party XXXX/XXXX. And with this information being obtained through a 3rd party and NOT DIRECTLY from the court this is a violation of the Fair Credit Reporting Act. Equifax failed to validate this information through the Illinois Federal Court, providing me with documentation of any viable evidence bearing my signature that I gave this 3rd party XXXX/XXXX  consent to release any information on me. In my letter in XXXX, I requested a reinvestigation and Equifax method of verification and to this present day I have yet to receive that information. I informed Equifax that as in Wenger vs. Trans Union Corp., No. 95-6445 ( C.D. Cal, Nov. 14, 1995 ) they may be liable for the willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Monterey Financial Services LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I recently opened a line of credit with a company called XXXX. They transferred my loan to Monterey financial. My first payment of {$130.00} was due on XX/XX/23. I set up recurring payments on XX/XX/23 to have the bill paid monthly on the due date and have the email for reference. On XX/XX/23 I checked my checking account and they took out the {$130.00} as well as an additional {$120.00} without my approval. When I visited my Monterey financial account, they did not have any payment history available for me and it now is reporting my account is past due {$250.00}. I attempted to contact them with no success. Their lending practices are predatory in nature and based on multiple reviews I can see I am not the only person with issues with Monterey financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent in a dispute for inaccurate information reporting on my Equifax Credit report, and a following up request about the dispute on XX/XX/20 and XX/XX/20 for the following accounts showing that I owe the following amounts XXXX XXXX XXXX XXXX They have failed to respond to the dispute within 30 days. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
A computer glitch in TransUnion 's system deleted my inquiries. TransUnion later added the inquiries back to my credit report illegally without giving me the proper 5 day prior notice of the inquiries being re added. I contacted TransUnion in XX/XX/XXXX regarding the issue, in good faith, asking them to remove the inquiries that were illegally re-added. I was told that the inquiries were applied to my credit report because businesses ran my social and it could not be re-removed. I know my rights were violated by TransUnion and it has caused a hardship. I would like for CFPB to help me stop TransUnion from victimizing 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 explanation
Consumer complaint received 2020-11-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Company called Me claiming to be my credit cards bank they tried to convince me they were chase bank by giving me my recent payment information and then tried to tell me I had a payment due and that they would help me lower my interest-rate if I paid the payment. I told him I didnt have a payment due because I just paid it and they tried to insist that it was due and if I just paid the payment they would lower the rate. I hung up on them they called me back told me they were a different company approved by my bank to help lower my interest rate they keep asking me to give them card numbers and I refused multiple times and finally had to just hang up on them. The number XXXX XXXX XXXX from XXXX XXXX. Second call came from blocked number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX- I submitted my second modification request. The first was denied because Chase said they didn't receive papers which I sent to them. I verified this with them. 
XX/XX/XXXX- I spoke with CHASE Representative XXXX XXXX and discussed what additional information was needed to submit the modification packet. 
XX/XX/XXXX- I am contacted via mail solicitation by several Attorney 's offering to represent me because CHASE filed a foreclosure on my property. 
XX/XX/XXXX- I write a letter which I faxed and sent certified USPS requesting they stop the foreclosure because I am in a modification And I inform them I am willing to work with them to sell my house if I am not given the opportunity to modify my loan. 
XX/XX/XXXX- I speak to XXXX XXXX , at CHASE, she assures me there was a mistake and I am not in foreclosure and can move forward with the modification. 
XX/XX/XXXX- I speak with XXXX XXXX XXXX , CHASE Executive Office, she informs me she can not discuss the loan because there is no authorization form. I have been talking with CHASE since the inception of the loan and an authorization from my ex husband has been on file since XX/XX/XXXX!  I was a signer on the original loan, but when we did the first modification, which we successfully completed, the CHASE Representative told me it would expedite the modification if it was I'm my Ex husband 's name. At that time I owned 75 % of the house. Since the divorce in XX/XX/XXXX, I am 100 % owner and the deed was recorded solely in my name. Now she won't speak to me? I have explained my situation to chase in my hardship affidavit and speaking with the Representatives on numerous occasions. She did not bother to check the records. 
XX/XX/XXXX- I received a notice of default and election to sell and a Declaration of Compliance from Quality Loan Service , Corp. stating they contacted me to discuss foreclosure options. This is not true and they are violating Cal. Civil code Section 2923.5. They did this while I was in a modification process which is also illegal. 
The loan amount they quoted is also incorrect. 
They claim in the paperwork I owe {>= $1,000,000}. This was the original loan amount before I completed the first modification. The amount I now owe is approximately {$750000.00} These are gross errors on their part and they are unethical unfair business practices. 
Clearly, they are telling me one thing and doing another in an attempt to take my house which I have struggled to keep for 12 years.

Company response to consumer: Closed with explanation