BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been awaiting debt validation from this company since XXXX 2014. I sent them a debt validation letter on XXXX/XXXX/14, however to date I have yet to receive any documents from them. I have sent a failure to validate debt letter to them too and still no response. The illegal thing is that they continue to report to my credit reports monthly since I have requested validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I called Ally financial in regards to a hard inquiry that was placed on my account XX/XX/XXXX, where I was never aware of this unauthorized and did not give this company no consent to run my consumer credit and I did not do this..I spoke with a representative on the phone qhere they opened a dispute and gave me a confirmation # XXXX .I truly feel like this is a violation of my privacy right ..the company ally financial inc responded with a letter stating '' they basically are unable to locate information about 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 2016-12-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
From XX/XX/XXXX to XX/XX/XXXX Chase has made three credit inquiries with credit bureaus in furtherance of the issuance of a credit card. On all three occasions I contacted Chase and advised them I had not applied for or requested a credit card. On all three occasions Chase closed the application- although they mailed me a credit card on the first occasion ( which I destroyed ). On all three occasions Chase informed me that the applications originated with Amazon, in connection with their agreement with Amazon. 
On all three occasions Chase informed me that they would withdrew the inquiry and that the inquiry would not appear on my credit report. 
On all three occasions I subsequently contacted Amazon. On the first occasion Amazon believed that the application came from an account primarily used by my son. I spoke to my son and he denied making any application for a credit card. He subsequently closed that Amazon account. 
After the second incident on XX/XX/XXXX I requested a fraud block on my credit account. As mentioned earlier, I contacted Amazon and asked them to research the source of the application however they said unless I had the password to the account they could not reveal any additional information. 
During my telephone call to Chase regarding the most recent incident I informed Chase that although they had previously assured me that the credit inquiries would be withdrawn, they were still appearing on my credit report. Now there are three inquiries on my credit report from Chase. They could not explain why the inquiries have not been removed. 
During my last inquiry with Amazon they asked me to keep my account open so they could run " security checks ''. I subsequently received an email stating that no security problems were found. 
Since the credit card applications seemed to list my current mailing address I am assuming that it is not part of a credit or identity theft effort. I ca n't explain whey it originated but I am assuming that the reason it re-occurs is due to a system program that regenerates the application request when it notices that a credit card was not issued due to the original application. It seems that the system recognized this and that explains why the first two were exactly one month apart ( XX/XX/XXXX and XX/XX/XXXX ). 
The fact that I had a fraud block on my account might explain why subsequent attempts were foiled until the fraud block expired. 
I have asked Amazon to research this but do n't know if they will.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company is trying to collect a false debt. Document was sent but appears to be false. I checked my credit report and it is not listed on credit report. Also, never had such an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my credit that are not mine. I do not recognize these accounts and inquiries, and have never incurred debt with these creditors. I do not know where they came from.

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 2020-08-22
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date : XX/XX/2020 Amount : {$2700.00} Action : I sent a letter and I asked for a request for proof of a contract to substantiate your claim. I asked to provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is, in fact, a copy of the original paper contract in question. I did not request for an accont validation, and they sent me a account validation.

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 2015-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The website XXXX is broken. This is a well known problem and a total scandal. You should do something. This is a disgrace.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07
Company: Continental Finance Company, LLC
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX of Continental Finance did knowing know about my discrimination claim and failed to provide investigation report. Continental Finance has discriminated against me due to the color of my skin, by closing my account without validation, Also I want to file an alternative dispute but due Continental Finance polices, they have failed to file my request for arbitration. I will file a claim in Federal court under the Recovery Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: CBC Companies, Inc.
State: OR
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, FACTUAL DATA/XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: TRANSWORLD SYSTEMS INC
State: AK
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:
TransWorld System Inc XXXX XXXX XXXX XXXX XXXX  Pennsylvania XXXX ( XXXX ) XXXX Is unlawfully reporting information to credit bureau ( s ) ... 
I do not owe any money to their customer at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I demanded verification/validation of account status, amount, original creditor and copy of the contract. I demanded removal of unauthorized inquiries on my report. they refuse to validate/verify accounts and inquiries and they refuse to delete incorrect information and are causing great harm to my ability to obtain credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I received a XXXX XXXX rebate card in the form of a prepaid XXXX issued by JP Morgan Chase. I forgot I had the card and did not use it before it 's expiration date. 

I called the number on the back of the card and was told that my {$30.00} card now had a balance of {$2.00}. Chase had charged a monthly maintenance fee of {$3.00}. This seems excessive and is a convenient way for Chase to take the money from forgotten prepaid cards. This maintenance fee is described on the back of the card in fine print that is almost impossible to read. 

I requested that the fee be waived but the people at XXXX were unhelpful and insisted that the fees were justified. 

I see no legitimate reason for this fee. It is only a way for Chase to keep the money and ignore the unclaimed property laws. 

From : California Code of Civil Procedure Title XXXX, Chapter XXXX - Unclaimed Property Law XXXX. 
Deduction of Fees No service, handling, maintenance or other charge or fee of any kind which is imposed because of the inactive or unclaimed status contemplated by this chapter, may be deducted or withheld from any property subject to escheat under this chapter, unless specifically permitted by this chapter. 
Even when specifically permitted by this chapter, such charges or fees may not be excluded, withheld or deducted from property sub ject to this chapter if, under its policy or procedure, the holder would not have excluded, withheld or deducted such charges or fees in the event the property had been claimed by the owner prior to being reported or remitted to the Controller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
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: Their investigation did not fix an error on your report

Complaint:
Alleged Collection account : Under advice of counsel for litigation the following collection company did not provide proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXXXXXX {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I have a student loan with Navient that I do not even remember applying for. I have been making payment the best that I can but I don't believe that this is correct. The origination date - XX/XX/2007 - Supposed Original Loan amount ; {$8200.00} ; Supposed unpaid Principal {$24000.00}. I requested the promissory note and all documents regarding this student loan but they could not provide the necessary document for me to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In  XXXX  of  2016 , I purcha sed a log splitter from Home Depot. I applied for a credit card through Home Depot and was accepted. Hoping the information about the account would arrive soon in the mail but nothing happened. 6 months later I received a UPS delivery containing a letter stating that I was behind on payments and that I would need to bring the account up to date. I called the number on the letter which was from Citi bank and explained that I have not received any information on the account, there response was that they tried to contact me on my cell phone and my home phone. Both have recorders on them. I never received a phone call from anyone at Citi bank. the  original price was  XXXX  now it 's ov er 1600.00 they   say I owe. They asked for payment over the phone but I 'm not comfortable with giving my bank account number or SS number. when I decli ned Citi bank asked me to call another number and I did this morning which was another run around Citi then said to  call another number which was  XXXX   XXXX  which had no information under my name. I DO NOT KNOW THE ACCOUNT NUMBER signed : Frustrated

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 monetary relief
Consumer complaint received 2022-03-22
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent out letters certified over 45 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding to this request in a timely manner.

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 2017-01-11
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My loan servicer improperly imposed a late payment penalty of XXXX % of loan principal XX/XX/2015 before loan balloon payment was due XX/XX/XXXX. They also failed to answer a question about refinancing loan that loan doc says is possible ( they claim they are not a financial institution ). They have demanded that final payment be in certified form wich is not required in loan doc. 

When I write to point out their errors they write back and say they have reviewed everything and everything is correct. The loan payment date is quite clear in loan document. They refuse to admit error. I have offered to pay all principal and interest due at balloon date but lender refuses to accept unless I pay late fee as well. 

They now threaten foreclosure

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 2021-01-04
Company: Alpha Recovery Corp
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A leasing company in XXXX Colorado forced me to sign in to a visitorlease that only lasted a month and all visitors were supposed to fill it out. While visiting a friend at his apartment complex. When I signed the paperwork so I could park my vehicle at the property without it being towed away. Come to find out the paperwork they MADE me sign was attaching me to the actual lease and now are charging me for 4 months of a lease. I was there for a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
I have been going back and forward with CASH APP about a charge back onXX/XX/XXXXfor XXXX I was told " We opened a dispute claim with the card network because the merchant forced your Cash balance negative when the transaction captured initially. Based on the details provided by the merchant, they awarded the claim to the merchant. '' But the merchant provide me with poof that they sent the money back to cash app now cash app is saying its nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
father used my social security number to take out XXXX credit cards under my name

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 2015-09-18
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i have a debt that is showing with this company that is fraudulent its due to my identity being stolen and opened up accounts that i had nothing to do with ... yet they have not removed the account even thoudh i have sent theme the appropriate documents regarding the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX XXXX to Fifth Third Bank in XX/XX/XXXX. I received a bill from Fifth Third Bank dated XXXX XXXX stating a payment was due on XXXX XX/XX/XXXX. I mad the XXXX XXXX payment with XXXX on XXXX XXXX unaware that my loan was being transferred. Fifth Third bank got an earlier computer transfer of data from XXXX that did not reflect the XXXX XX/XX/XXXX payment posted on XXXX XXXX. When I received my 1st bill from Fifth Third Bank reflecting the payment due on XXXX XX/XX/XXXX I called them ( XXXX XXXX ) and was assured that this would be corrected. On XXXX XX/XX/XXXX I again called Fifth Third Bank and no correction had been posted. The payment date, escrow, insurance, interest were all still incorrect. They said I had a problem and would be charged a late fee and a ding on my credit and it was not their problem to solve. I again called XXXX XX/XX/XXXX on XXXX XX/XX/XXXX and they indicated they had the correct data and that they would resend. Problem still pending as this was generally what I heard on XXXX XXXX.

Company response to consumer: Closed with explanation