BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
Company: TENET HEALTHCARE CORPORATION
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:
I noticed that I had a negative account show up on my  XXXX  credit report a couple of years ago ( sometime in  XXXX  ) from Syndicated Office Systems representing  XXXX   XXXX   XXXX . I immediately called them to question this since I had never been a patient at  XXXX   XXXX   XXXX  prior to  XXXX , had never received any bills and had no idea this was on the credit report. I was told that I would have to straighten that out with the hospital. I not only called, but went to the hospital in person. The hospital could not locate any records after having to do a " manual search '' since it had been more than two years. This took a significant amount of time and follow  up ( several months ) to b e told that they could not find any records or bills. I have asked Syndicated Office Systems to on several occasions over the past 3 years via their website email to validate this debt. I have never received a response. I have disputed via  XXXX  several times only to be informed that the information has been " updated ''. I just recently sent an email on  XXXX   XXXX ,  XXXX  requesting debt validation, but have not received any response.   I find this extremely distressing since this is causing damage to  my credit score  and my ability to receive the credit I deserve. I am concerned that this is a fraudulent claim from Syndicated Office Systems to collect money from me. I 'm not that stupid as to pay money when I was not a patient. Unfortunately, the idea for these collection agencies is pay or have your credit affected -- extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: STERLING JEWELERS, 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 information incorrect

Complaint:
On  XXXX   XXXX ,  XXXX , I notified  XXXX ,  XXXX ,  XXXX , and Kay Jewelers, the creditor, that there was an erroneous negative mark for  XXXX   XXXX . This information is inaccurate, as the account was closed and paid off.     Kay Jewelers continues to report this item was charged off despite me paying them directly the amount owed. I made a payment arrangement with them over the phone to pay the account in exchange for deletion ; the conversation was recorded yet Kay Jewelers continues to report that the item was charged off.     The last date of delinquent activity is  XXXX   XXXX , yet the company reported a charge off on  XXXX   XXXX .     It is clear Kay Jewelers is in violation of the Fair Credit Reporting Act, and as of  XXXX   XXXX , have yet to remove the item off my credit reports as it is past the 7 year reporting period.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX a payment of XXXX was made on my Home Depot Credit card. The payment was cash and was made at the local home store in XXXX NC. The payments were made in 3 different transactions as the cashier stated that is the only way she could complete. The payments were made on XX/XX/XXXXat the following times XXXX XXXX XXXX autho code XXXX, XXXX made at XXXX XXXX autho code XXXX and XXXX at XXXX XXXX autho code XXXX. I have the original receipts. The payments were never credited to my account. On XX/XX/XXXX I contacted the company and filed on a dispute on XX/XX/XXXX I faxed a copy of the receipts to the Home Depot dispute department as instructed and followed up with several phone calls to verify that the fax was received and was told they had received them. Provisional credit was given to my account while the research was completed. On XX/XX/XXXX I went to the local store and they too called the disputes department and verified the payments. On XX/XX/XXXX I received a letter stating that I had n't supplied significant evidence to support my dispute, not sure what more I can send other than their store issued receipt. On XX/XX/XXXX I contacted the company again and was told they do n't understand what 's going on they will re open the dispute. I have worked to get this corrected for 2 months. I have all the supporting documentation and do n't understand why the company is not only refusing to credit my payments but have negatively impacted my credit which has no late pays or any negative issues as I take great care of my credit and am at my wits end and need some help. I do have copies of the receipts but they are paper copies and can fax the documents

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 2021-10-29
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
On XXXX, XXXX and XXXX I sent letters disputing inaccurate information on my Equifax credit report file. I have not received a response to any of my dispute letters. And it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
To CFPB, I recently submitted a complaint also filled a FTC report regarding my credit file and how the negative accounts I listed in my dispute with experian as of today XX/XX/1922 I have not gotten any updates or status reports as I stated in my disputes which I sent out last month XXXX XXXX the company Experian has repeatedly ignored my request for a thought investigation and failed to provide me with written documents or any information pertaining to my file, however they have only updated my accounts and in fact re aged them to harm my credit further, this is a clear violation as I stated in my letter Ive requested verification evidence that proved or shown that I was responsible for the accounts they have listed and they as well as the companies making these accusations failed to do, someone clearly has opened these accounts without my knowledge and I want them removed rather then for the reporting agency to update its been well over a year of me requesting this method and to no avail Ive clearly requested my 611 laws as well 609 By The FCRA bylaws and they have ignored me time and time again Im now looking to bring legal action against the credit bureau as my rights are being violated Ive even provided my propers name and addresses as well as proper spelling of my name and experian has deleted the inquiry but still chosen to keep the negative accounts that has another name that is not mines listed they have blandly disregarded the laws you have set forth and are running amuck how can they have accounts on my profile with different names not associated with me but on mines as well as still reporting things that were removed from other bureaus but they are only reporting it wrong this is not right!

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 2017-06-13
Company: Bread Financial 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: Account status incorrect

Complaint:
In 2013, I arranged with Comenity Bank/XXXX XXXX XXXX XXXX a payment for my account via telephone. This phone conversation was recorded, and I was even advised by the individual our conversation was recorded. I was told that by paying the full balance immediately to CB/XXXX XXXX XXXX, that the information would be deleted off my credit reports. I was explicitly clear in my question, that once I pay this item, it would be removed from my credit report. The employee responded that yes, the item will be deleted. I have tried numerous times since making this payment to obtain copies of this recording, and every single employee says they are confidential and can not be accessed. CB/XXXX has access to these tapes, yet the continue to say the debt was in fact charged off. I have a right to access proof of the agreement. CB/XXXX XXXX XXXX continues to report erroneously on this account, with some credit bureaus reporting Late - Charge Off and others Paid - Charge Off. This debt was never charged off, as I paid the company directly. It was a requirement in my background investigation for my employer to clear negative items from my report. While I showed my employer proof of payment via my bank statement, I never received a receipt from CB/XXXX XXXX XXXX for the payment. I respectfully request that the CFPB intervene, as it is clear CB/XXXX XXXX XXXX does not care about company procedures, customer privacy, and compliance with the Fair Credit Reporting Act. Furthermore, CB/XXXX XXXX XXXX has numerous addresses that have made it nearly impossible to keep track of investigation statuses, I 've only received notifications via third party monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: LEXISNEXIS
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:
XX/XX/2022, I sent a letter to the United States Bankruptcy Court XXXX XXXX XXXX Texas " XXXX XXXX Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ). So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights several times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 USC 1681 section 602 A. States I have the right to privacy.

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX XXXX threated to suit me ( XXXX XXXX XXXX XXXX XXXX ) and threated me to take me to court while I was unemployed and on financial hardship on XXXX 2013, and I am in a financial hardship as of now, and asked me to pay {$1800.00}. they did not care and asked me to pay the debt if not they will take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Experian Information Solutions 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:
The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandle d MY loan mone y so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.

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 2017-06-13
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: Information belongs to someone else

Complaint:
The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishand led MY loa n money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I had the companies mixed up and what happened the first time I reported these companies, so I have it right this time. 
They opened an credit card account for me, I enrolled in their credit protection program, I paid extra every month, to help with overdrafts and if you become unemployed and can't make your payments or keep the account open, etc. 
I paid on the card on time, and had a good payment history for about 3-7 months. Then I lost my job, I called and TOLD THEM I lost my job and I couldn't afford the card anymore and to close the account. 
They knew I was enrolled in their credit protection that covers unemployment, and they were supposed to write this off because of the program they offered and I was enrolled in.. So WHY they didn't and still until this day keep giving me flack & putting it back on my credit report, is a freaking mystery to me. Plus I don't owe anything to this company portfolio recovery XXXX 's, because I never got a product from them in the first place, so they shouldn't even be able to keep running my credit scores down by re-putting it on my credit at all. It's like they get some sick, twisted sense of self or their jollies off on bothering me and ruining my credit ratings at all 3 report bureaus.. 
This should have been taken off my credit report by now, and they RE-PUT it Back on my credit report AGAIN, running my credit scores DOWN Again! 
Something needs to be done immediately, because this is getting really ridiculous now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 furnish a account without my written instructions.

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 2017-06-08
Company: EQUIFAX, 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:
Equifax has refused to properly investigate  XXXX  ( a collection company ) that has erroneously ( with malice ) reported the same debt, twice, as a new collection item. The double-reporting of this collection item is fraudulent. This company has also refused to submit documentation showing date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My wallet was stolen there was fraudulent activity on my accounts and now the banks wont allow me to open a bank account. 

I am a victim of identity theft. The fraudulent information listed below is showing on my cret mine. I am officially disputing the fraudulent information and requested an immediate investigation. please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also listed these laws for your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
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:
The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandl ed MY loan money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgivenes s because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Quality Recovery service  XXXX   XXXX   XXXX   XXXX  Was remove from my credit report back in  XXXX  and  XXXX  the item reappeared back on my credit report with different balance.This company garnish my wages from a seasonal part time job. This is against the law. To remove item and place item back on my credit with different balance amount. I move from the apartment in good standing with a  XXXX  balance.   Papers have been mail and fax to the agent and credit bureau. Please remove move this apartment off my report.     Can you please remove Quality Recovery Service  XXXX   XXXX   XXXX   XXXX   XXXX  GA  XXXX  Account #  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: CA
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 Account 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 furnish a account without my written instructions

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