BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: EQUIFAX, INC.
State: GA
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:
There are collections on my credit report that are not mine i am going to list them here.        1.   XXXX   XXXX   XXXX   -   XXXX   2  .   XXXX   XXXX   XXXX   -  XXXX  3.   XXXX   XXXX   XXXX   -  XXXX  4.   XXXX   XXXX   -   XXXX  5.     XXXX   XXXX   -   XXXX   6.   XXXX   XXXX   -  XXXX  7.   XXXX   XXXX   -  XXXX  8.   XXXX   XXXX   -   XXXX   9.   XXXX   XXXX   -  XXXX  10.   XXXX   XXXX   XXXX   XXXX   -  XXXX  11.   XXXX   XXXX   XXXX   -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent Central Financial Control letters notifying them that I was a victim of identity theft and that this account is a result of the identity theft. I have asked them to send me proof that this debt belong to me and I have not received anything from them. I know that they can not produce anything because the debt is not mine and was not authorized by me. I need your assistance in getting this matter resolved.

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 2023-02-07
Company: EQUIFAX, INC.
State: MN
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:
In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furmish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: GA
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:
There are collections on my credit report that are not mine i am going to list them here.        1.    XXXX   XXXX   XXXX   -  XXXX   2.    XXXX   XXXX   XXXX   -  XXXX   3.    XXXX   XXXX   XXXX   -  XXXX   4 .  XXXX   XXXX  -  XXXX   5.   XXXX   XXXX  -  XXXX  6.  XXXX   XXXX  -  XXXX  7.  XXXX   XXXX  -  XXXX   8.   XXXX   XXXX  -  XXXX   9.   XXXX   XXXX  -  XXXX   10.    XXXX   XXXX   XXXX   XXXX   -  XXXX  11.   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 explanation
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are collections on my credit report that are not mine i am going to list them here.        1.   XXXX   XXXX   XXXX   -  XXXX  2.   XXXX   XXXX   XXXX   -  XXXX  3.   XXXX   XXXX   XXXX   -  XXXX  4.   XXXX   XXXX   -  XXXX  5.   XXXX   XXXX   -  XXXX  6.   XXXX   XXXX   -   XXXX   7.   XXXX   XXXX   -  XXXX  8.   XXXX   XXXX   -  XXXX  9.   XXXX   XXXX   -  XXXX  10.   XXXX   XXXX   XXXX   XXXX   -  XXXX  11.   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 2017-05-10
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I had use money international transper from citi prepaid bank, it 's already more than  XXXX  weeks I do n't receive my money,,

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 2017-05-10
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
American Express Serve has t heir call center in the  XXXX . I filed disputes two months ago for  XXXX  charges. The representative apparently forgot to do it? Called back three weeks later to get a status and they said it was not even disputed! So I started the dispute process ( FOR  XXXX  UNAUTHORIZED CHARGES FROM THE SAME COMPANY THAT I CATEGORIZED FOR THE INCOMPETENT PERSONAL ), again waited anothe r two weeks. Three  days ago  XXXX  other charges were finally provisionally credited. BUT THEY FOR GOT  XXXX  OF THEM! They are making me waiting again so since  XXXX   XXXX ,2017 and it is  XXXX   XXXX ,  2017 . Do n't they have a limit  of 30 -45 day s were they and LEGALLY HOLD CONSUMERS OWN MONEY? I have had it with Fraudulent banks that went from mortgage fraud to insufficient funds charging fraud, to fake account opening fraud. Nobody did anything about that. Also. they purposely hire the worst people for customer service.  Poor  people that present a language barrier and they wonder why there is identity theft ... Needless to say this is another one of my rants that you will do nothing about. your pretty much thee same as them LAZY.. this is just an email forwarding middle man site to pay a bunch of more worthless salaries, while there are actually real smart people that work with pride and are jobless getting hung up on by uneducated low-income accepting incompetent workers. So t o American Express,  not that you give a blank about anything but holding poor peoples money. Your customer service is horrible THERE IS NOTHING EITHER AMERICAN OR EXPRESS THAT YOU PORTRAIT. HAVE FUN EATING CHIPS AND SODA AND HANGING UP ON PEOPLE.     CFPB, NO NEED FOR A RESPONSE, SINCE YOU HAVENT DONE A  XXXX   XXXX  THING ABOUT ANY OF THE COMPLAINTS. I WOULD KEEP IT PROFESSIONAL, ONLY IF I WAS DEALING WITH PROFESSIONALS.     TAKE SOME COURSES ALL OF YOU AND BOOST UP CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
What I said in my complaint ...       To whom  it may concern, I mailed a Multiple Inquiry Removal Letter  on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it state s that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. This many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case, and is hindering building my credit as I plan to purchase a house by the end of the yr or early  XXXX . I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2016-06-26
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked United Revenue to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
What I said in my complaint ...        To whom it may concern, I mailed a Multiple Inquiry Removal Letter  on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. This many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case, and is hindering building my credit as I plan to purchase a house by the   end of the yr or early  XXXX . I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2015-10-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
this is a Home Equity loan taken out in XX/XX/XXXX the lender is Chase Bank. I have other major issues with the primary loan ( handling separately ) I also have, but this complaint is for this one ( Equity Loan line of credit ). My due date on this loan is the XXXX of each month. First let me explain when I took out this loan in XX/XX/XXXX the person signing me up ( no attorney or consumer rights acknowledged ) the only question that I had to answer to a bank employee at my home was if he thought my home was worth the value of the loan also NO questions about my monthly living expenses, he at the bank where i signed explained that after the first 10 yrs the interest will paid then the payment will go down to " only '' payments on the actual principal. Over the past 3-4 yrs I have had an enormous financial decrease in income and started paying attention to my finances with special note on my debts. Not only has this loan after speaking to multiple Chase Bank employees been discovered to total out at 75 % interest if I continue making only interest payments ( lower monthly payment ) but I was told that I was expected also, to not only continue paying interest payments, but now also in addition now to make principal payments ( XXXX monthly payments amount ). I have already paid as per Chase Banks own records XXXX in interest the past 10+ yrs, but continuing to pay only the interest by the end of the term another 20 yrs, will total another XXXX plus the full XXXX principal. This totals XXXX on a XXXX loan which by my math is 75 % interest ( XXXX ) then the balloon of XXXX. The total for this loan if go to full term is XXXX XXXX XXXX for a XXXX equity line of credit loan. Now since fighting with Chase on my primary loan, I am noticing that they are attempting what I will call Fraud on this loan. On the XX/XX/XXXX I sent in the payment ( see attached ) and it was received on the XXXX. I called my bank on the XXXX and spoke to XXXX '' ( rep ) she stated that they did not receive it and it is expected, I said to her " NO I sent it on the XXXX ''. She gave me provisional credit ( as she called it on the XXXX ) Case # XXXX. It finally showed up at my bank on the XXXX ( day after due date ) Then I later received a letter stating they recorded it and made the " adjustment '' on the XXXX, the SAME day I sent it to them!!. I am declaring that Chase Bank is trying to cause me a fraud situation and trying to put me in financial harms way due to my upcoming court case with my primary loan that is a predator loan. Please see all attached!!!

Company response to consumer: Closed
Consumer complaint received 2015-10-13
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a debt collection that I do not owe and do not understand why this is my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX - I submitted a dispute in regards to inaccurate reporting a charge off by  XXXX  in the amount of {$76.00} and a past due amount of {$76.00} and I asked them to validate the debt belonged to me  XX/XX/XXXX - Disputed this account with Transunion and   XXXX     XX/XX/XXXX - Received an account summary from   XXXX   for dates  XX/XX/XXXX  thru  XX/XX/XXXX   XX/XX/XXXX -I received  XXXX  investigation results showing account updated  XX/XX/XXXX - I received Transunion investigation results showing that the account was updated  XX/XX/XXXX - I sent another letter  XXXX , Transunion and   XXXX   asking that they send me provide me with viable proof that this debt was mine  XX/XX/XXXX -Recieved the same exact letter from them with the account summary from  XXXX  XX/XX/XXXX - Received letter from Transunion stated the account was still being verified as correct and no validation or proof was sent that this debt belongs to 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 2015-11-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2015 I went to use my debit card and it was shut off. I contacted Chase and they told me it was shut off because I was sent a new card in XXXX of this year. I had never received this card, so they said they would send me another card and I should receive it within 5 days. I was told that my old debit card would not be turned back on ; translation - I can not access my money until the card comes. I was able to get the old card turned back on for a few moments in order to empty my account so that I can have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have already submitted complaints with  XXXX , Experian, and   XXXX    regarding this issue.     All three credit bureaus list a Chapter  XXXX  bankruptcy that belongs to someone else named  XXXX   XXXX  who currently resides in  XXXX , GA. If you go to ' XXXX  ' and search for '  XXXX    XXXX   XXXX   XXXX  the state of Georgia,  you  will find who I am talking about.     I am not that individual. I am sick and tired of the credit bureaus coming back with 'this information is accurate. ' Courthouses, as I am told, do NOT furnish information to credit bureaus OR public record companies (  XXXX ,  XXXX ,   XXXX   ), so I have no idea how or why these bureaus have been citing that my social security number is attached to these reports, when upon requesting the reports myself, I see NO evidence of any Chapter  XXXX  bankruptcy.     You  may  have me mistaken for someone else. I briefly worked for a company that was headquartered in  XXXX , GA. However, it was a telecommute from an ad I found on  XXXX . The company may have listed me as a GA resident even though I never had any physical residence there. I have worked for many companies being in the videography business, but never again across state lines as a salaried employee. The risk is too great.     And so now you face a choice. Either delete this bankruptcy from MY record and assign it to the CORRECT individual, or I will be forced to pursue further legal action against you in violation of the FCRA. You have no right to report inaccurate information and then legally stand behind this false information claiming that this person is me when I KNOW FOR FACT that it is NOT. I have already hired attorneys to look into this issue, but it would be a lot quicker and a lot less painful if you were to delete this bankruptcy yourselves.     I now consider this matter closed. Any further communication between the credit bureaus and myself will have to take place in court.

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank 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 non-monetary relief
Consumer complaint received 2017-01-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back during XXXX XXXX, I received a refund check in the amount of {$170.00} from Chase Mortgage ( dated XXXX XXXX, XXXX ), for a Corporate Advance Fee. Since the letter offered no explanation as to how or why they imposed this fee, I went back over all my mortgage statements dating back to XXXX ( original loan ). I found that these charges were applied beginning in XXXX XXXX, and currently continues without further explanation. Chase has not responded to my initial inquiry ( XXXX XXXX, XXXX ) letter. It is now 90+ plus days and I have not gotten an explanation. If the XXXX XXXX XXXX should n't have been applied to begin with, then why is it still being reflected on my monthly statements? I also feel that the {$170.00} is an incorrect amount because this issue dates back over a 6 year period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Everbank keeps changing the terms of the loan and decreasing the amount of the mortgage. They keep making serious errors in paper work ( for example, saying we would pay them over {$28000.00} to close a loan for XXXX amount paid out, and still pay monthly for 30 years! They keep running credit checks which lowers the FICA score and then want to raise the rate as a result. We have yet to see any paperwork come through correctly in over two months of processing time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
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:
XXXX  I submitted a dispute in regards to inaccurate reporting a charge off by   XXXX  in th e amount of {$76.00} and a past due amount of {$76.00} and I asked them to validate the debt belonged to me  XXXX  Disputed this account with  XXXX  and Experian  XXXX  Received an account summary from  XXXX  for dates   XXXX   thru  XX/XX/XXXX   XX/XX/XXXX -I received Experian investigation results  showing a ccount updated   XXXX   XXXX  I received    XXXX    investigation  results showing that the account was updated  XXXX  I sent another letter  XXXX ,   XXXX   and Experian  asking that they send me pr ovide me with viable proof that this debt was mine  XXXX  Recieved  the same exact letter from them with the account summary from  XXXX    XXXX   XXXX  Received letter from   XXXX   stated the account was still  being v erified as correct and no validation or proof was sent that this debt belongs to 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