BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: EQUIFAX, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Closed XXXX XXXX Reported : XX/XX/2019 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2021-07-23
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Again I am sending this complaint. Because the company did not address one thing in their response. They did not respond to the 4 months of emails I sent their company which were attached THAT THEY NEVER RESPONDED TO. I DISPUTE EVERYTHING ABOUT THIS. THE TOTAL. ALSO I RECEIVED THE INFORMATION I OWE THEM XXXX. THE INTEREST RATE THEY TRIED TO SEND WAS WRONG. IT IS ILLEGAL CA LOAN. THEY MODIFIED THE LOAN AT SOME POINT BUT PRETEND THEY DID NOT. SENDING THIS TO THE CA ATTORNEY GENERAL AS WELL AS THE FINANCIAL BUSINESS OVERSIGHT DEPT OF CA NOW AS WELL WITH ALL OF THESE COPIES. SINCE I CONTINUED TO DISPUTE AMOUNTS ON THIS LOAN AND LOAN ME REFUSED TO RESPOND TO ANYTHING IN WRITING THEY ARE IN VIOLATION OF FDCPA. THEY LIE CHEAT AND STEAL AND I BELIEVE A LAWSUIT IS THE ONLY WAY TO HANDLE THIS. THEY DID NOT RESPOND TO ONE DISPUTE AND THEY ONLY WANT YOU TO CALL IN SO THEY CAN LIE. I RECORDED CONVERSATIONS WITH THEM. I REQUESTED THIS BE REMOVED FROM CREDIT REPORT IMMEDIATELY SINCE THEY REPORTED EVERYTHING INCORRECTLY. YOU CAN NOT REPORT DELINQUENT WHEN YOU NEVER SEND STATEMENTS FOR 2 YEARS THEN START SENDING OUT FRAUD LIKE EMAILS AND WHEN I QUESTION ITEMS YOU JUST IGNORE EVERY SINGLE EMAIL LOAN ME. YOU SEND OUT FALSE STATEMENTS AND I ATTACHED THOSE AS WELL. I WILL NEVER DROP THIS UNTIL IT IS REMOVED FROM CREDIT REPORT AND WILL MOVE FORWARD WITH LEGAL REPRESENTATION IF NEEDED. I DO NOT WANT THIS HAPPENING TO OTHER PEOPLE AND I WILL TAKE RESTITUTION FOR DAMAGES DONE. I HAVE NOTHING ON MY CREDIT REPORT REPORTED NEGATIVE BUT YOU BECAUSE I PAY MY BILLS. I DO NOT PAY ILLEGAL LOAN COMPANIES AND WILL CERTAINLY NOT PAY WHO YOU TRY AND PASS THE BUCK ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Diversified Adjustment Service, Inc.
State: NC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Am current on all medical provider bills, hospital bills, ER visits. Out of the blue ( XX/XX/2019 ) started receiving daily or more frequently automated phone calls with generic voice recording stating that I owe an unspecified amount of money. 1 hard copy letter came in mail, from HRRG ( Healthcare Revenue Recovery Group ) stating I owe {$210.00}, but provided no substantiation for this. Phoned my healthcare and insurance billing ( for both offices visits and hospital services 2 different billing offices ). My accounts show no outstanding amounts for anything, including emergency medicine. The amount HRRG is claiming is owed is fairly close to an amount ( grouped into a long list of other charges ) that was paid ( co-pay ) 6 months ago. Also, none of my providers, billing offices, or insurance can locate this so-called delinquent amount. I was, in fact, told to ignore it. I believe, given their poor reputation and high number of complaints ( e.g, bogus, scam ) that HRRG ( Healthcare Revenue Recovery Group ) is knowingly trying to scam money from me. They leave automated messages daily, from many different numbers. ( Ive  blocked quite a few numbers at this point. ) I believe they are spoofing phone numbers.

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 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XX/XX/XXXXThe affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX XXXX XXXX ACCT : UNKNOWN AMT : {$5500.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/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 2022-10-21
Company: ALLY FINANCIAL 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:
I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.

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 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts 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 : 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 2023-10-05
Company: DISCOVER BANK
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Discover Student Loans is reporting that I have past due accounts of greater than XXXX days starting in XXXX and XXXX. Discover Student Loans put these accounts in a past due/delinquent/charged off status when I was in a XXXX XXXX plan. The Trustee was making payments on Discover Student Loan account while I was in XXXX XXXX. Both the Trustee and myself were following the legal ramifications of the XXXX XXXX. Discover Student Loans is unwilling to correct my account and remove the past due/delinquent/charged off status. My credit report is inaccurately reflecting the Discover Student Loan account status as past due/charged off now and while I was in XXXX XXXX. I have also filed a dispute with XXXX and XXXX. The credit bureaus responded that Discover states they are reporting accurately and therefore my credit report status for Discover Student loan remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 DATE | sent a request to CAPITAL ONE BANK USA NA to validate the account that was was opened on XX/XX/2022, with a balance of {$5900.00}. To this day CAPITAL ONE BANK USA NA has failed to answer my request as they are required by Federal law and Im very concern because I believe this account was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Between XX/XX/2022, through XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX and XXXX  which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I booked two hotel rooms in XXXX, XXXX this past XXXX for a week 's stay occurring between XXXX and XXXX for which I was billed XXXXXXXX XXXX. I agreed to pay for my stay using my Chase Bank XXXX XXXX credit card, which is advertised to have no foreign transaction fees. The highest foreign transaction rate between British pounds and US dollars that was in effect the day the transaction was charged to my Chase credit card ( XXXX ) was XXXX, which should have resulted in a charge of {$7400.00} USD to my credit card. Instead, I was charged {$7700.00}, a difference of {$290.00}. 

When I Inquired about the bill to Chase, Chase conducted an investigation, which confirmed that the original hotel bill was valid ( something I don't disputed ) and provided me documentation from the hotel indicating that the foreign transaction rate used was XXXX, which accounted for the discrepancy between what I expected to pay and the final cost of the hotel rooms. Chase representatives told me to take up the dispute with the hotel, which I did. Both the hotel and XXXX itself claimed that they do not charge foreign exchange fees and that they did not set the exchange rate - Chase did. Chase had continued to ignore my request for clarifying whether or not it charges a foreign exchange rate surcharge despite advertising on its website and credit card literature that it does not. 

Please see attached document " XXXX XXXX charged '' showing the exchange rate used to convert the hotel bill from British pounds to US dollars on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: JPMORGAN CHASE & CO.
State: MA
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:
On XXXX XXXX I received a possible fraud alert on my cell phone. The suspected fraudulent charge was an online purchase with XXXX. 
Knowing that I had not initiated any online purchase with XXXX, I immediately contacted both the credit card company ( Chase ) and XXXX about the fraudulent charge. XXXX was able to disclose to me that the charge originated in Arizona ( I live in Massachusetts ). 

Today ( XXXX XX/XX/2021 ) I received notice from Chase that they were denying my fraudulent charge claim. I contacted Chase fraud services to ask why they denied my claim and were instead including the charge I was informed that the reason was " because I had previous on-line purchases with XXXX ''. 

Today I sent a response back to Chase fraud services showing them my XXXX on-line transaction history. I have not had any XXXX purchases since XXXX XX/XX/2021. 

What is alarming, and should also be concerning to the CFPB and other Chase credit card customers, is that this reasoning puts all credit card users at risk for fraudulent on-line purchases. The mere fact that a consumer has made on-line purchases in the past should not be justification to deny a fraud claim. If this is allowed to continue, then it is imperative that all credit card users that make on-line purchases be made aware of the added risk they are incurring. 

Please help protect the on-line purchaser from credit card fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE REQUESTED FOR ALL FRAUD ALERTS TO XXXX REMOVED FROM MY RECORD. 
THEY SEEM TO NOT WANT TO HONOR THE REQUEST. 
THIS NEEDS TO BE DONE IMMEDIATELY!

I AM UNABLE TO USE YOUR WEBSITE BECAUSE OF ERRORS ON YOUR END. I HAVE BEEN WAITING ON HOLD FOR THE PAST 2 HOURS. 

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX PLEASE SEE MY ID ATTACHED

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 2023-07-07
Company: Westlake Services, LLC
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My unit was repossessed back in XXXX, i was advised the settlement amount that I paid would resolved the balance and I just had to pay for title. Ive recently had medical Ive been talked to badly as well as my XXXX party. I received a call on XX/XX/XXXX by a XXXXXXXX XXXX who was extremely nasty to myself as well as my XXXX  party. My XXXX party was adviced unit will be placed back out for repo because XXXX was not paid. Per representative the title was apart of the settlement and because it was not paid the settlement is not cancelled. I was not advised any of this information I believe calls should be pulled because I was misinformed and mislead. I was not aware unit will be placed back out for repo for not paying a title. I called in today spoke to XXXX who told me Im a woman and sound like my XXXX he then hung up. This company has new n very stressful and has be given me deceptive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This complaint is against Transunion Credit Reporting Agency. I have tried on recent occassions and as late as XX/XX/2022 to request an update on all eroneous accounts that have been resolved with proof of 1099C filings. I have sent in the copy to Transunion via Certified Mail, and the issue was never resolved or updated. All Credit Profiles on my account are incorrect in outstanding balance, payment history, as well as inquiries ( which violates FCRA Regulations ). 

I had also requested that your agency resolve my concerns and that request was never honored as well. This has caused great harm to myself and my ability to obtain credit in the future.

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