BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My drivers license, social security card, and other personal documents were stolen from me in 2012. As a result, a fraudulent account was opened in my name and there is an attempt to collect on it from Syndicated Office Systems. I have contacted the collector and provided them with police documents and fraud affidavit. They referred me back to XXXX XXXX XXXX - the original creditor. After months of me contacting XXXX XXXX XXXX and receiving conflicting information that they can not provide me with any documentation as to the validity of this debt, I keep transferring my calls back to Syndicated Office Systems who apparently are reviewing this account, but they have been reviewing it now for about 2 months and have they had any documentation proving that this in fact is my account and not an account resulting from an identity fraud, they would have provided me with that documentation or at the minimum, they would have provided me with the progress of their investigation. Syndicated Office Systems and XXXX XXXX XXXX are violating my consumer right by reporting false and fraudulent information on me to credit reporting agencies.

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 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/XXXX, my bill for XXXX did not go through when it was on auto bill because the account status switched to restricted and eventually closed. I reached out to the Capital One by phone and they said they saw the payment try to come out of the bank but it was rejected because the account was restricted/closed. They never notified me of the rejection or closure. In fact, I called and asked for them to send me correspondence on the reason for the closure and how to access account to make a payment. I kept following up and I finally received an email. The email was sent XX/XX/XXXX saying that the account was 2 months behind with a due date of XX/XX/XXXX. I followed the link to make a payment, which I could not access via online, so I called to make the payment. Payment was received successfully this time, but now the credit card company gave me a late payment. I now can not get a mortgage because of this mark on my credit file and the bank will not help me with this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My had a balance way above what I am for sure that I had charged to it, Some of the charges were not visible till the end of the month when I received my statement so I was unable to dispute it at that time. Then when I received the statement I went to dispute any remaining charges that they would not allow me to previously, It has been going on almost 4 months since I have done this, They have not removed any of the charges from the account, They keep closing and reopening the case over and over again, And they keep having their debt collectors call me to ask to make a minimum payment when I am not legally obligated to do so because any charges open on that account aside from two that make up less than XXXX XXXX of the balance, In addition they have caused my credit score to take almost XXXX XXXX points due to the fradulent charges

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 2015-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I asked for a copy of mine and my husband 's credit report after seeing inappropriate data on documents presented at the time of closing on our house. A GENEROUS amount of incorrect information appeared on our credit report - over XXXX credit cards that do not belong to us, with a name and address in another state. I called Transunion, the credit bureau responsible for the additional data, as they had included ALL information for an individual who has the same first name and last initial as mine. Uncomfortable with the fact that I now have all of HER personal information - address, place of work and every credit card number she does/has possessed, I also wanted the appropriate credit score for mine and my husband 's credit history. I asked Transunion to remove her information from the credit report. They assured me they would clean up the credit report and send me a new XXXX within a couple of weeks. That happened on or around XXXX XXXX. 
I called the company today, XXXX XXXX. Today the Transunion representative indicated they could send a new credit report out, but it would not include fresh credit ratings. Further, today the representative indicated that XXXX HAD already been sent on XXXX XXXX. When I asked the question, " To what address? '' the response was THE ADDRESS OF THE OTHER INDIVIDUAL?!?!?! 
This is a bigger issue than getting my credit report cleaned up or getting a fresh credit report and credit score, although those are important aspects to me, as well. There is an alarming gap in processes that allow for me to see information with a Social Security number of a person who simply has the same first name and same first initial of last name ( not even the same last name ) as mine. And, even more alarming, now I am extremely vulnerable, since this other person has been sent a printed copy of all of MY personal information - including my social security number. I am absolutely stunned - I have XXXX social security number, distinctive from any other person and a computer filters exact data, not " approximate '' data. 
In a climate where great caution is encouraged, identity theft is rampant and government agencies are in place to protect the consumer, I am mystified that this could happen. 
To add insult to injury, Transunion will not provide a full credit report without charging me and will not freeze my account without charging me. They have created an incredibly vulnerable environment for someone who keeps my nose to the grindstone, pays bills on time and trusts that the processes in place will protect me. 
I do not even know where to go from here, or what I should do to further protect mine and my husband 's data, strong financial history and my social security number?!?!?!? It has now been sent to someone whose only common data point with me is the same first name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I am filing a complaint towards JP Morgan/Chase Financial Mortgage services in the XXXX California region. I believe that when buying my home, employees of this institution were in violation of TILA-RESPA Integrated Disclosure ( TRID ) based on my basic understanding of this regulation. My husband and I received multiple closing disclosures with various amounts owed to us or owed by us until the very hour we were to meet with the notary for our final signing ( we were to sign documents at XXXX on XXXX XXXX and the last email communication was at XXXX PST ). In the final documentation, pertinent information was omitted or incorrect ( e.g., it stated that we made no income in the year prior, it had another couple 's name, social security number, and other private and confidential information ). We also had no opportunity to ask questions, revise or amend these disclosures. We were threatened multiple times via conference call, text message, and email that we would not close on time should we delay this process and had been told that as this was a VA loan, they [ the VA ] required specific documentation and must meet strict timelines. Although we currently live in our new home, we are still asked to sign documents for the loan application that have missed our signatures or were not completed correctly which needed to be completed prior to closing. Further, we received multiple promises of monies owed to us that we never received in entirety. Lastly, although the vice president senior lending manager was amicable, flexible, and receptive to these grievances, managers that he deferred us to were either unavailable, condescending, or incredibly difficult to communicate with, and did not follow through with any of the stipulations that were agreed upon during our multiple email exchanges and conference calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions 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:
Experian : you stated that the collection was up dated I see it was not again account number incomplete, open date does not match payment history, past due still reported that is by default and can not be reported like that enclosed are the documents you stated was correct and validated { so I request where you got the false information that you stated was validated } incomplete inaccurate reporting { fix it or remove it from my credit report making false statements to the CFPB in a violation reporting false information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have had some medical and legal bills. We have now gotten 4 to 5 house payments behind. I told Chase we were able to pay 2 house payments and they told me via phone they will not accept them, They want all the payments and I do not have that. Also they demand the house payment directly on the first and my pay period is every two weeks on Friday and many time that is not on XX/XX/XXXX. 

I hope you can help meSincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax how do you know which accounts I referring too? if your company said on all investigation that you had verified these accounts earlier in your reply you stated to me but when you replied back you stated Response disputed how did you verify the accounts and who did you talk to seen me proof of who you talked to or to closed the horses mouth JUST SEND THE ORIGINAL SIGNED DOCUMENTS??? IF YOU HAVE THEM SEEM LIKE I 'm the only one that sending proof I have been asking for this info since the beginning of XXXX and all I got from you were we have verified these account I have n't seen who and what you have did to provide the info.. please send asap Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. 
That 's a lie Equifax You sent out another letter saying contact the creditors by name per your company name How did you Know that If I did n't disclosed the items?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX I have paid for our original 6.5 % mortgage. 
{$1400.00} X XXXX = {$510000.00} {$150000.00} to fleet mortgage {$360000.00} {$49000.00} to XXXX {$310000.00} {$200000.00} to XXXX {$100000.00} {$100000.00} to the modification From OUR {$52000.00} escrow we paid {$44000.00} to credit cards In XXXX XXXX we paid off all of the credit cards the escrow and all principal and interest due on the loan. We have {$220000.00} equity Plus {$47000.00} We have {$270000.00} CREDIT. NOT a {$270000.00} balance. 
I gave Ocwen written notice that I did not want any more credit and wished to close the account. I want them to release the lien. They have {$50000.00} for the 2 % interest I paid them on NOTHING. 

RELEASE my LEIN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a police report locally and with the FTC for Identify theft. I sent all the necessary information to Equifax by registered mail and they are required to block this fraudulent information on my report within 4 business days pursuant to section 605B of the FCRA and it has been 30 days and it is still on my report. My Equifax dropped XXXX points because of this identify theft. Along with the reporting officer we called XXXX and talked to XXXX, operator XXXX and she said to us on the phone and it is recorded in the police report that it is not my debt and she said she would contact Equifax and tell them. Nothing has changed on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Discover student loans apparently bought my loans. They have jacked up my interest rates to an unspeakable amount and made my monthly minimum payment unbearable. They are not willing to work with me on lowering the minimum payment and will not allow me to defer. I am a single mother of XXXX, i have been paying since XXXX and did not when graduate until XXXX. They call my cosigner sometimes up to four times a day before even saying to contact me. They speak to third parties about my private loan information and recently automatically withdrew a payment from a third parties account with out my consent. They are absolutely a fraudulent company judging by their history of being probed for student loan happiness and jacking interest rates and minimum payments up. I can no longer afford to make their minimum payment and they are unwilling to work with me. They are shredding my credit score and have me on the verge of bankruptcy.i need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: EQUIFAX, INC.
State: GA
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX/XXXX,  XXXX/XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX,, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX , XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: GA
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/2020 I disputed with Experian to remove a XXXX XXXX XXXX  account off my credit report. The account has been closed and paid in full for a year. It has late payments and is negatively reporting which is causing me to not be able to get a home loan. I have spoken with XXXX and sent letters. They will not budge. I have disputed with the 3 bureaus and they will not help nor budge either. I just want to be a home owner.

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 2022-07-23
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was the result of ID theft. Company failed to provide my signed agreement for this account, original terms

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 2016-12-18
Company: The CMI Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ended my business with my wifi provider previous to moving to my new address. I was told that it would cost quite a bit to have their employee come to my apartment to pick it up but I had the option of mailing it in myself. I bubble wrapped it in perfect condition and sent it to the instructed address. It was returned with the explanation that no one ever showed up to the business to receive the package. I called the company that claimed they did n't have that branch 's number. They only do face to face business. What? So I had to call the post office and it was a big mess because I 'd paid to have it sent and no one would show up. I ended up getting it sent back to me. I complained to the XXXX and then a rep from XXXX contacted me through email, which I 've kept. She said she 'd send me a box with the address and I 'd just have to put the router or modem ... whatever that machine was, back in the box and put the sticker on it and send it in. I did. I have since received XXXX more bills for {$120.00} on a router I DO N'T HAVE. This last one is commanding me to " CONTACT US NOW. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
on XXXX/XXXX/16 i initiated a dispute. The dispute included the following accounts : XXXX XXXX XXXX # XXXX Federal Tax Lien DOCKET # XXXX State Tax Lien DOCKET # XXXX State Tax Lien DOCKET # XXXX On XXXX/XXXX/16 I received results indicating that the XXXX XXXX account had been deleted. Subsequently the same account with the same amount due and the same original creditor was reinserted to my report and without notification. It appears that the collection agency is attempting to re-age the debt and change the account # even after the account was deleted. This is a direct violation of the FDCPA as well as the FCRA and should be immediately deleted. Whats more the Transunion consumer representatives continue to deny that the account exists. However, it still remains on the file. 

As to the XXXX tax liens i contacted both the XXXX XXXX County Recorder and the Clerk of the Superior Court of XXXX XXXX and they indicate that they do not respond to investigations from credit reporting agencies. The responsibility is on Transunion to verify the accuracy and completeness of the items they are investigating. There is no possible way that Transunion could have obtained the legally required verification. This is a clear FCRA violation.

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 2020-06-17
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC stopped allowing customers to manage their money using XXXX XXXX  such as XXXX and XXXX. PNC does not offer the same credit repair services that other apps do and are not allowing me to freely use my income in ways that benefit me best in rebuilding my credit. If they do not fix this issue and again allow customers to use XXXX secured apps, they will undoubtedly lose myself and many other customers. This issue has directly impacted my ability to pay bills on time and caused me to incur multiple fees due to their changing the policy and blocking the apps from use without notifying customers and without any good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent this complaint to the XXXX, credit bureaus who Im currently suing as well as the CFPB in which I never got a response. This account needs to be deleted from my credit reports immediately because its in violation of the FCRA. I dont need to hear how removing accounts is an FCRA violation. Whats a violation is how the credit bureaus are verifying inaccurate information & how Navy Federal is continuing to report inaccurate & derogatory information on my credit report to try & blackball me from ever getting access to higher limit credit funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation