BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have no recollection of this collection. ARS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a creditor who pulled my credit report without my permission. TransUnion wants me to approach the creditor and get permission to remove the hard inquiry. TransUnion is also asking for a personal statement to remove the hard inquiry ( I am OK with this request ). There is no process to remove fraudulent hard inquiry on credit report on their website or by phone call. Spoke with customer service and supervisor at TransUnion. TransUnion will not provide evidence that the creditor pulled my credit report legitimately or had permission. This is double standard. TransUnion is asking me to do the legwork of contacting creditor and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. This inquiry only shows with TransUnion. No other credit bureau shows this information. I need help with removing the hard inquiry on my credit report with TransUnion. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when the issue was created by the creditor/TransUnion. Thanking You

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 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over 19 credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.

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 2016-02-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
This is my second compliant. I keep getting stall tactics & alternate methods of not being held accountable. I have sent the credit bureau all the information from my direct dispute with the data furnisher and the CRA has ignored my request to remove items which are being reporting inaccurately, are unverifiable, are incomplete or are untimely. I 've sent them correspondence through CFPB & via certified mail & still they 're claiming they dont have enough information to remove the inaccurate information. I 'm resubmitting my request to have these items removed from my report based on the FCRA. I 'm including everything which demonstrates my timely response & methods used to verify the accounts which they claim to have verified ... The following accounts have not been able to provide me with any information these accounts belong to me nor have I received anything reflected they are reporting correctly : XXXX XXXX XXXX .... / XXXX XXXX - being reported with any validation of verification ENHANCED RECOVERY CORPORATION XXXX - being reported with any validation of verification XXXX XXXX - being reported with any validation of verification XXXX XXXX XXXX XXXX XXXX .... / XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX .... / XXXX XXXX XXXX .... / XXXX XXXX XXXX .... 
I would like them removed immediately!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Everest Receivable Services Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never once received anything in the mail or through email from this debt collector, nor had an account with this credit company because of their low limits. 

This company called me on Friday, XX/XX/XXXX and threatened legal action against me and never once sent an invoice or anything in the mail.

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 2016-10-25
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called and spoke with an agent and then a manager asking to have my hard inquires removed. I have writte letters to each of the companies and have not received a response of validating or a letter of having the inquires removed. They are currently being showed on my credit report. 

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity.

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 2015-06-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have incorrect information on my credit report indicating that I missed payments on a home loan XX/XX/XXXX. I sent in a document from the loan company supporting my claim but the only change was they added a XX/XX/XXXX report as well. I received nothing from Experian. The incorrect information is still part of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
{$780.00} on XXXX wrote several letters and tried calling for removal

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 2016-12-29
Company: Trademark Management Solutions, LLC.
State: MI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a call from Trademark Management saying that they have legal documents for me. I do n't believe Trademark Management is a legal company. Their phone number is XXXX. They told me I had to settle or go to court, ASAP. When I called Trademark, I got XXXX XXXX. She told me she was from Pennsylvania but did not know the address for the company. This place leaves threatening voicemails saying I 've been served.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-03
Company: Aargon Agency, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Got a phone call from XXXX No listing on Caller iD as to name I looked the number up online and It belongs to Aargon Agency. I do not have bills past due. or any reason for a debt agency to call me. It was a robo call, for me to call a number about this debt. Call was XXXX XXXX/XXXX/2016

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-11-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened up an account with Chase bank and I was not informed about the fees that could be assessed to the account. I have been charged nearly {$1000.00} in overdraft fees erroneously. I had fraud in my account on several occasions, and I was charged fees in relation to that. I had a international wire transfer that was rejected by Chase and I was charged overdraft fees associated with that. I had clients who attempted to make deposits into my account in XXXX, but were refused by Chase tellers and I was charged fees associated with that. I have complained on nuns ours occasions but to date my account is still overdrawn and Chase refuses to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a credit limit of XXXX on my chase credit card. I ca n't control my wife 's spending so I chose to carry a balance of XXXX thus limiting her spending to XXXX per month. This has been working fine, when the card reaches its limit the charge is declined and my wife stops charging until the balance is paid. I just got the latest bill and the balance is over XXXX. I called the bank to inquire how I was able to exceed my limit and their answer was that they have patterns and practices that allow clients to exceed their limits. Because of my prompt payments they allowed me to exceed my limit. If they would have sent me a letter saying that they are increasing my credit limit I would not have authorized it. Here they increased my debt ceiling without saying a word to me. How can I manage my finances when the credit limits are not enforced. To add insult to injury they said once I bring my balance below the limit they I can select to make the credit limit a hard limit. When did the limit become soft? How can they without my authorization increase my debt ceiling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
ON XX/XX/XXXX I sent money to a friend via PayPal. In the description note, I stated it was for a XXXX trip. PayPal held the transaction for a " governmental review '' and stated it could take up to 72 hours to resolve. However, it is now a WEEK later and my transaction is still pending and no word from PayPal. I have contacted them numerous times to either return the money ( it has already been sent from my bank account to PayPal ), cancel the transaction or put the money through so my friend can send it back. PayPal claims they ca n't do any of it. However, I have researched and noted that other transactions under the same review have come to a close after PayPal contacted the person to explain. No one at PayPal has contacted me and no one can give me a direct answer. This is ridiculous because I have now had to pay an additional {$380.00} to my friend and I am STILL waiting for this to resolve from PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX and I am a XXXX XXXX employee. 
I use the Western Union Online Transfer Service twice a month and I am getting charged for a service which I am not receiving for the last 4 months. 
Last year I was paying only {$7.00} for the money transfer ( up to {$2.00} ) to be delivered to XXXX in a maximum of 3 days. 
Now I am getting charged {$45.00} for an " express '' service which supposed to deliver the money in minutes, however my wife have to wait one or 2 days to get the money in XXXX because the agencies where she collect the money they do n't have cash. She complained there but the agencies blamed Western Union since they are providing a service for this Company. 
I sent already complaints to WU to their email address XXXXXXXXXXXX on the XXXX XXXX and XXXX XXXX, with no answer at all. I just received an email on XXXX XXXX from XXXXXXXXXXXX saying that they got my complaint, but so far nothing happened. 
We feel we are being cheated by Western Union since they are charging us {$45.00} for the same service I used to pay only {$7.00}. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Have no idea what this debt is for, never heard from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-26
Company: DLC, LLC
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
the company dollar loan center somewhere in XXXX XXXX s/d told me they reported to all XXXX credit bureaus. they misrepresented. they only report to trans union when I offered to pay off loan ( small ) they increased the interest 159 %. they are very cut throat and refuse to put me infront of their corp '' hd qtrs. I want to resolve the problem. also wrongful credit reporting to smear me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX I called Chase bank to I inquire about charges on account. I had a joint account. The customer service department transferred me to the fraud department. The person at the fraud department asked me my name, address social security number, etc. However then they asked me if I had the debit card in front of me, and even though I told them I did, they then acted really paranoid like I was not the real account holder even though I told them information only I could know and then transferred me to some automated system that told me to enter my card number and expiration date, and even though I did the automated XXXX XXXX XXXX said the information was not valid even though it was and locked me out of my own card, why I transferred to an automated system system made no sense that did not work and locked me out, why the person working in the fraud department got all totalitarian makes no sense, I could not even log in online to resolve the issue, or deal with the issue by calling customer service. I had to go down to the branch in person because the fraud department was treating me like a criminal and locking me out of my own account. Maybe Chases ' totalitarian fraud department should be contracted to run private military companies in countries where rights do n't matter, because they acted like that, but in my opinion, the fraud department should not be in the baking business because in the XXXX where civil rights exist, maybe this policy would be okay in XXXX XXXX. I was a customer for over 10 years and yet they treat a customer asking about a transaction like a criminal, it 's highly unlikely even if someone stole my debit card they would know my address, social security number, address, pin number, and online user name and password, so why lock me out if my online account? I could not even call customer customer service to order a new card because my account was frozen. There is lack of transparency and due process. No administrative appeal or grievances available. I feel the fraud department acted in bad faith and very unprofessional, I was never even given a logical explanation of why my card was locked when I went to the bank branch, so I believe my account and card was frozen simply to harass and oppress. I had direct deposit from social security XXXX so maybe this was discrimination and maybe violated the equal credit opportunity act. I do n't feel my case was treated in a fair non discriminatory manner and I was never given any explanation. A customer should be able to inquire about charges without being treated as a criminal, when I enquire about charges at another bank, they do n't think accuse me of being a thief, they treat me like a customer, they contact me by email if they need more information, chase bank was not reasonable and froze my account, fraud is a concern to financial institutions, however, consumer rights should be an equal concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Balance transfer

Complaint:
I responded to an offer from Chase Slate Visa to transfer balances from other credit cards to theirs for an introductory offer of 0 % and no balance transfer. This offer was clearly stated in the mailing I received in XXXX 2016. I was approved and attempted to transfer a balance from another visa account on-line. I received a letter a few days later telling me the balance transfer was not processed because, " the payee address in unknown '' interesting to note they never asked for the address. Upon receiving the chase slate visa card, I activated it and called their customer support to attempt to process the balance transfer I was attempting to do previously. This time the agent tells me the account I gave them to transfer was n't a visa account. The visa credit card I have a balance on that I wanted to pay off using the new chase slate visa, was issued from XXXX XXXX XXXX XXXX and is a legitimate visa credit card account - their address is XXXX. XXXX XXXX XXXX XXXX UT XXXX, my account is through a branch in XXXX UT. The slobs at chase slate visa have clearly sent fraudulent information in a mailing, ( which I have copies of ) to entice me to sign up for a credit card account without honoring their 0 %, no balance transfer fee offer. This practice is unethical and illegal, and I do n't appreciate their deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Credit determination

Complaint:
XXXX XXXX XXXX, Chase Bank solicited me for their Slate card. Chase was aware that I had an existing bankruptcy and low credit score. Again, Chase solicited me based on this knowledge. Chase denied me due to " [ my ] credit report contains a bankruptcy ''. I now have an inquiry entry on my credit report that now should not be there as I would have never applied if Chase had not solicited based on my challenged credit history. Inquiries can lower your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I could n't afford the high payments and due to the interest building up along with late fees continuing to pile up, my student loan amount dramatically increased. I was not given any information about repayment options to help me and when I called them and tried to lower the payments, I was put on hold for a long time and transferred to many different customer service representatives who all did n't know if they were allowed to lower my bills, or told me that what I was paying is the lowest repayment option that they offer. Now my student loan amount is too high and the payment amount is still unaffordable. It is very difficult to find a job that that pays me enough to afford my student loans and live on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX agreed to remove a 90 days late indicator from XXXX XXXX from a number of accounts. I have forwarded this information to the credit reporting agencies, and disputed numerous times, but the 90 day late indicators continue to reappear on my credit reports, after being removed.

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