BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-07
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Madam, This letter is in reference to GRANT & WEBER Account # XXXX for services provided to XXXX XXXX on XX/XX/XXXX. 
In regard to the bill on this account in the amount of {$7400.00} Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 
Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On or about XX/XX/2020 I was contacted by the credit card via text about a potential charge to my account. I called the company and based on the information they provided, I informed them that the charges were not made by me. They took all my information and asked if i had the card in my possession which I did. They said they would freeze the account, send me a new card and start the investigation process. Two charges were made online to a XXXX XXXX  for the same amount. I reiterated that the charges were not made by me. I have never purchased anything at XXXX XXXX. I inquired what were the items purchased and they would not give me the information. A few days later i received a letter stating that the charges were being investigated and they would be credited from my account after being charged. 

On XXXX XXXX, 2020, I received a letter stating that there was no indication of fraud and the charges would appear on my next statement. I called the company and disputed the charges again. They stated that because I had the card on me and it has a chip, the charges were made by me. This is obsurd as they would not give me any information on the nature of the charges or what was charged. I threatened to get an attorney to assist in resolving this matter. 

On XXXX XXXX, 2020, I received another letter stating that " we're happy to tell you that your fraud investigation with captial one is now resolved '' which I do not understand what they are talking about since they did not credit my account for these fraudulent charges as they were not made by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'M HAVING ISSUES GETTING MY PERSONAL INFORMATION UPDATED WITH THE CREDIT BUREAUS.

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 2018-07-12
Company: EQUIFAX, INC.
State: SC
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/2018 I sent a letter with a copy of my social security card, utility bill, and photo id to update my personal information to only include my current information and to delete the other information reported by the credit agency on my credit file. No updates have been made as of XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: AMERICAN HONDA FINANCE CORP
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:
American Honda Finance Corporation has provided several points of false information. They state that they attempted to reach me via ( XXXX ) XXXX, which I know is blatantly untrue because they had the incorrect phone number on file until I was the one that called them to update to this number during a phone call to them that occurred on XX/XX/2020. I ask that American Honda Finance Corporation provide proof that they made these phone calls in which I never received. 

They also state that they attempted to reach me via ( XXXX ) XXXX, which is not, and has never been, a phone number that I or my co-signer own. 

They also state that emails were sent to XXXX between the dates of XX/XX/XXXX and XX/XX/2020, but this never occurred. I ask that American Honda Finance Corporation provide proof that they sent these emails in which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Resurgent Capital Services L.P.
State: CA
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Auto debit on Nelnet is not doing what it advertises and taking automatic debits from my account on the due date. I 'm not behind on payments but they put me in a status that is " no pay hardship kwikpay ' and I never requested that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: MI
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:
Hello, I recently sent in disputes to Equifax on XX/XX/21 and XX/XX/21 and have not received nothing in email or in the mail I tried contacting them multiple times but nothing has changed thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX I have an account from XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX that showed up on XX/XX/XXXX. However this account was opened on XX/XX/XXXX ( 6 yrs, 2 mos ). 

I'm confused and do not understand how this account just showed up on my credit report I have not received any notification of this debt and have no recollection of it. 

I do not have the account number but the amount for this account is {$280.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: SYNCHRONY FINANCIAL
State: TX
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:
I purchased a cruise using two credit cards. I had to use two cards as the cost of the trip exceeded the credit line of my primary credit card. The cruise line cancelled the cruise on XX/XX/XXXX and I was notified by my travel agent via an email. I submitted my refund request with the cruise line on XX/XX/XXXX and called them to verify that they received my refund request. The cruise company did not provide any written confirmation of my request. 

The cruise line stated that they may not issue the refund for several months. Their policy is a violation of the credit card merchant agreement and federal law. So, I notified both credit card companies in XXXX and they advised that they would take action if the refund was not processed by XX/XX/XXXX. 

One of the cards issued the credit on XX/XX/XXXX. 

Synchrony Bank has taken no apparent action and almost two months after I initially contacted them, and made two follow-up phone calls, they are now asking for proof of the cancellation. This indicates that they have not even contacted the cruise company. The cancellation notices are public information and all international travel is suspended. Anyway, I have provided it to them. 
I filed the disputes with the credit card companies because I am concerned that the cruise line will go bankrupt and I will be responsible to pay for a trip that was cancelled. 

I hope you can intervene and get the refund expedited. I also want people to know that they should avoid using Synchrony Bank credit cards. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01
Company: EQUIFAX, 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:
I contacted Equifax and explained to them my credit profile is incorrect regarding my XXXX XXXX account. I was told by Equifax I need to contact the creditor. I spoke with a Manager at XXXX by XXXX XXXX and was told they will submit a case. I explained based on the FCRA everything on my report must be accurate and verifiable. Equifax and XXXX XXXX did the opposite, rather than following the law, they just corrected the information which they can't do because it was incorrect on my report. I submitted disputes XX/XX/2020 with No resolve I added the attachment to show proof of the violation. XXXX shows how it was recorded XXXX shows the report adjusted. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX, I went Bankrupt and owed this company, which was discharged. The amount was XXXX, but they continue to add interest charges, until I went bankrupt, by then it was up to over XXXX. So could not use the credit card, which was closed. In XX/XX/XXXX, I married and have a different last name. This company sent me a new card with my new last name, different account. My husband was laid off work, which we had trouble paying our bills and I called and told them this. This company sold both my accounts ( the one discharged and the one under my current name to a debt collector. I paid the one in my current name with nothing owe. However, the debt collector is still sending me letters and reporting to credit unions, even though it was discharged in XX/XX/XXXX. They stated I open the card up in my old name in XX/XX/XXXX! The company would not let me do that! Help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2021-03-01
Company: Sequium Asset Solutions, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a separate complaint from the other one I filed today, XX/XX/2021. After speaking with a representative from this phone number earlier and requesting once again to be removed, they called me again at XXXX PST. I did not answer, but they have continued to call despite my repeated requests to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX was taken from our escrow account to pay city taxes. This amount never made it to the city for payment. We reached out 7 times once we were notified by the city of the non-payment to find out where these funds have gone, and have still not received an answer. On XX/XX/XXXX an ADDITIONAL XXXX was taken out to pay for the XXXX XXXX payment of city taxes. This amount was received by the city and the XX/XX/XXXX check was cashed. Since XX/XX/XXXX we have reached out 13 separate times to try to get the initial XXXX back. ( Including a complaint through CFPB where LoanCare said they had already returned the XXXX, which was not true ) The initial XXXX was taken from our escrow account and was not used for taxes. The customer rep we spoke with said the initial XX/XX/XXXX check was never cashed and said they put in for a stop-pay on the check. We were told the funds would be back in our account by XX/XX/XXXX, when the funds weren't returned, we were told they would be back by XX/XX/XXXX, again no funds were returned. Now, no customer representatives will answer when we call, and we have called 13 times and filed 5 different contact forms. No one from LoanCare will answer where our money is and when we will be getting it back. 

Please return the initial XXXX payment that was not used for taxes.

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 2018-03-07
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Please note : this is a revised complaint, not a duplicate. Do not delete or close. The credit card company objected in their response to the original complaint that I permitted my spouse to view the correspondence. Chase deemed him an " unauthorized third party. '' While that is not true, I am amending the complaint to remove him from the notifications so that the investigation can proceed. 

Dear Sir or Madam : I am writing to report fraudulent credit card activity involving multiple charges to XXXX XXXX on two separate credit cards. This scam has been reported on the Internet since at least XX/XX/XXXX ( do a XXXX search for XXXX XXXX XXXX XXXX CA ). My concern is that this scam represents a major and ongoing fraudulent source of revenue to XXXX XXXX, and a continuing threat to consumers. On XX/XX/XXXX, the first fraudulent charge appeared in the amount of {$7.00} to XXXX XXXX XXXX XXXX CA on my XXXX XXXX XXXX , which was associated with my XXXX account. I disputed the charge with XXXX ; XXXX required that I close and reopen my account with a new card number. I opened a new Chase XXXX and associated it with my XXXX account, replacing the XXXX card. I am the only authorized user. In the first month, new fraudulent charges appeared in the amounts of {$22.00} on XX/XX/XXXX and {$12.00} on XX/XX/XXXX. Again, these charges were listed as XXXX XXXX XXXX XXXX CA. A further charge for {$12.00} appeared on XX/XX/XXXX. Upon contacting Chase for assistance, I had to close and reopen the Chase XXXX card. Be assured that I did NOT provide the latest credit card information to XXXX. When I contacted XXXX by email, I received a major run-around, consisting of multiple rounds of correspondence and escalation to a senior representative. XXXX would not send copies of the charges nor disclose to whom they pertained, citing privacy rules. XXXX did not volunteer the information that this scam is well-publicized and has been going on for years. The representative stated that the charges were incurred by someone in my household, which is impossible. I am the only user. I checked my own purchase history on the XXXX app. It showed only the normal recurring charge of {$0.00} per month for XXXX storage. How then was XXXX aware of the fraudulent charges? Ultimately, I was refunded for three charges of {$12.00} each. I am still waiting for a refund of {$22.00}. I checked my credit report online. There is no evidence to suggest identity theft. Again, I am concerned that untold amounts of money may be flowing to scammers via XXXX XXXX. The new generation that now uses its credit and debit cards for every trivial transaction will have a difficult time identifying fraud that involves a trusted vendor such as XXXX. Please investigate. I will furnish original emails between myself and XXXX, XXXX upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid to the original creditor. I called and spoke with the collection agency and they agreed to remove the debt. I sent them the attached receipt. The collection then showed up on my credit report as " unpaid ''.

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