BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-18
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recieved a letter regarding an alleged debt from PCM mangement ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ). I sent them a certified letter on XX/XX/2020 regarding them having unauthorized access to my medical information. Specifically i attached this language in the letter : " Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. " I am very concerned about a 3rd party having access to my medical information without my consent. They have refused to respond to my request for 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 2017-11-11
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: Public record information inaccurate

Complaint:
A little over a year ago I notice a Ch. XXXX Bankruptcy appearing on my credit report. Ref # XXXX. I contacted the credit reporting agencies and advised them that this information is incorrect. I have not file a CHXXXX bankruptcy. The credit reporting agencies disputed the filing and reported back to me that the bankruptcy had been verified, not with the court but a third party company. A couple months ago I was able to tracked down one of the third party companies that XXXX uses, XXXX. I contacted their customer service department and was advised that they do n't verified that the information in the case is accurate, they only verified the case number, name, and address. They directed me to the Federal Court that the case was filed in. I call and spoke with the XXXX Oh Federal Court Clerk of Courts to get some information on this case. I was advised that they do n't show ANY information regarding this case other than a case number which appears to have been filed in error. I asked the court to send something to the credit reporting agencies. They advised me that they do not report nor deal with credit reporting agencies or any third parties WITHOUT the credit reporting agency or third party filing a motion to release information which a judge has to sign off on? If that 's true, how in the world are these credit reporting companies claiming they verified this information without talking to the source? They are hiding behind the third party knowing that the third party only verifies case numbers??? This is beyond crazy! I 'm requesting that XXXX XXXX, and Transunion file the proper paperwork with the court and update my credit report with the correct information. I have already proven in the past that these 3 companies are known for saying they have investigated and verified information only to find out they did not. ( EX. XXXX XXXX XXXX CFPB # XXXX ) They claim for months they verified that incorrect information and refused to reinvestigate even as early as two weeks ago. How did that turn out? I 'm not asking for anything but to have the correct information reporting on my report. I did not file a CH.XXXX bankruptcy in 2012. According to the Federal Court,  that case was filed in error, something as easy as typing a wrong number in the social number or last name could had trigger the error. Please remove at once or provide the full case information that would include my picture ID and copy of my social security card. 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 explanation
Consumer complaint received 2019-05-01
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phoenix Financial Services has failed to provide legally required validation of an alleged debt within 30 days. The request of validation was received by Phoenix Financial Services on XX/XX/XXXX. This request was sent to them as a written request through USPS with delivery tracking and confirmation. Phoenix Financial Services has failed to respond in any way. In addition, they are incorrectly reporting dates on this alleged debt. They state this account opened in XX/XX/XXXX and are reporting this to the credit bureaus XXXX and XXXX. No such accounts could have come from me anytime in the last 5 or 6 years. I was denied credit due to this erroneous reporting due to this recent delinquent account. If this alleged debt is legitimate, they are required to report the original date of delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX of 2021 I bought the car I had been leasing and obtained a loan from Chase. I submitted my paperwork, notarized, and have been making monthly payments on time every month since. 

In XXXX, I realized I did not have a title issued to me. I contacted Chase to find out what was happening and I was told I would have the title issued to me by the XXXX of XXXX. 

That date came and went. I have been in touch with the company weekly by phone and three times via their website to try to resolve the issue. I have received no timeline for the issuing of this document, nor any updates about what is happening that is taking so long. I have been issued verbal and email statement declaring me a valued customer, but the steps that have been laid out to me by the customer service representatives have not been followed through on in any way. It has been 7 months. 

At the beginning of the summer I had an offer to buy the car for {$4000.00} more than what I owed on it. I have XXXX children in college and another in high school and I was counting on this money to help pay bills. Instead, I remain title-less and unable to exercise my right to sell the vehicle. 

I would appreciate your assistance in motivating the company to produce the document required, and/or to begin the process again by completely re-doing the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : XXXX, Experian, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft. I have been affected by the credit breach. I have attached a letter, copy of the FCRA where the credit bureaus and creditor violated me by going on to my credit file and reporting inaccurate accounts on my credit. False Pretense in the act of being the consumer and not getting any consent from me to open up my credit report. 
Please take this documentation I have provided as a dispute and an affidavit. Contact me at number i have listed and please add my mobile. 

Inquiries : SYNCB/Old XXXX XXXX/XXXX/XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Collect Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : XXXX XXXX  TransUnion My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft. I have been affected by the credit breach. I have attached a letter, copy of the FCRA where the credit bureaus and creditor violated me by going on to my credit file and reporting inaccurate accounts on my credit. False Pretense in the act of being the consumer and not getting any consent from me to open up my credit report. 
Please take this documentation I have provided as a dispute and an affidavit. Contact me at number i have listed and please add my mobile. 

Inquiries : XXXX XXXXXXXX XXXX/XXXX/XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Collect Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2017-11-06
Company: AMERICAN EXPRESS COMPANY
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:
All my American express account is settled, we had a dispute about some charges and it is finally settled, American express reported my account as charge off when it should state settle, please fix the reporting and send me a copy of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Rodenburg LLP
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Law firm ( named below ) garnished checking account on XX/XX/20. I had sent exemption form in prior to this. Sent required documents ( exemption form, bank statements and case numbers of eligible government programs received ) on XX/XX/20 and XX/XX/20. Law firm is now saying they need more information. 
( XXXX XXXX, Attorney RODENBURG LAW FIRM XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, ND XXXX Tel : XXXX, ext. XXXX | Fax : XXXX | Email :  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Westlake Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I opened a XXXX account sometime in XX/XX/XXXX. About a year after ( maybe less ), I could no longer use this account for purchases. I however, conscientiously made my monthly payments ever since and keeping current until the present time. My monthly payments averaged around {$50.00} a month. 

On XX/XX/XXXX I received a letter from Westlake Portfolio Management saying that they are servicing my XXXX  account which was issued by XXXX XXXX XXXX  and requiring me to make my first payment of {$120.00} due on XX/XX/XXXX. 

This was the first communication I received from them or from XXXX or from XXXX XXXX XXXX  regarding this account or any changes to this account. 

Starting XX/XX/XXXX, I received several potential scam phone calls from the XXXX XXXX area which I suspect would be from them as I have very few contacts from that area. Whenever I tried to pickup the phone, there was nothing at the other end. This went on until XX/XX/XXXX. 

On XX/XX/XXXX, I emailed them : On XX/XX/XXXX, I received a letter from you indicating that you are servicing my XXXX  account. However, per FDCPA rules, you failed to provide the following information in writing : The amount of the debt That I can dispute the debt The name and address of the original creditor. You are demanding a first payment from me with a due date of XX/XX/XXXX without any details or disclosure of the debt. Please reply to this message immediately. Thank you. 

XX/XX/XXXX I emailed Westlake Portfolio Management : I have tried to reach you by email and written letter but have not gotten a response yet. I need to know details about my account : - Total debt amount - Terms of payment - Monthly payments XX/XX/XXXX I received this email : Hello, We can not discuss any details of your account via email. Please contact our Customer Service Department at ( XXXX ) XXXX for assistance with this request. Business hours are Monday Friday : XXXX XXXX and Saturday : XXXX XXXX XXXX XXXX. 

Thank you, Westlake XXXX XXXX XX/XX/XXXX I replied : Please send me a written communication. Thank you. 

To date, XX/XX/XXXX, I have not received any further communication from them. 

On XX/XX/XXXX for fear of them ruining my credit and despite not knowing any details or how much I will be forced to pay them, I created an online payment account and made a one-time payment of {$80.00}. It is here that I finally saw details of my account ; Balance : {$1600.00}, maturity date XX/XX/XXXX, monthly payment {$120.00} at 0.00 % annual percentage rate. This looks like I will be paying {$7400.00} after 5 years! 

Failure to disclosure the terms and details of my account and simply demanding payment was a blatant disregard of my right as a consumer, and probably a usury law in this country.

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 2020-02-18
Company: Tri-State Adjustments, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
back in XXXX of XXXX, I was living in my friends garage in XXXX XXXX, they kicked me out, and made me homeless XX/XX/XXXX. Before that, I had XXXX XXXX, and was in XXXX XXXX XXXX in XXXX XXXX & they sent me home with the XXXX XXXX and carrier on wheels. Prior to being kicked out of the garage, I knew I had to return the equipment, and did try to return it, by phoning the delivery man, that dropped it off, he was supposed to pick it up, but never did, so the day I was kicked out & made homeless, I was forced to leave it at the address of XXXX XXXX XXXX XXXX , XXXX XXXX, NV XXXX, USA. That very day I was kicked out of the garage, I suffered XXXX XXXX & was hospitalized, and then when released from the hospital, I had to live in a XXXX   XXXX  for 4 months, in XXXX, Michigan, called the ' XXXX XXXX " at XXXX XXXX XXXX., XXXX, Mi., Phone : ( XXXX ) XXXX I have explained all this, months ago, to a representative at XXXX XXXX , that I also am living on XXXX. and have suffered quite a hardship, they told me, they were going to write it off as lost, and as a loss, and that I would not be having any more collection agencies calling me, and that they would wipe this amount off of the bill. I explained this back last year in XXXX, XXXX.,  and again today 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 explanation
Consumer complaint received 2017-11-11
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: Public record information inaccurate

Complaint:
A little over a year ago I notice a Ch. XXXX Bankruptcy appearing on my credit report. Ref # XXXX. I contacted the credit reporting agencies and advised them that this information is incorrect. I have not file a CH.XXXX bankruptcy. The credit reporting agencies disputed the filing and reported back to me that the bankruptcy had been verified, not with the court but a third party company. A couple months ago I was able to tracked down one of the third party companies that Equifax uses, XXXX. I contacted their customer service department and was advised that they do n't verified that the information in the case is accurate, they only verified the case number, name, and address. They directed me to the Federal Court that the case was filed in. I call and spoke with the XXXX Oh Federal Court Clerk of Courts to get some information on this case. I was advised that they do n't show ANY information regarding this case other than a case number which appears to have been filed in error. I asked the court to send something to the credit reporting agencies. They advised me that they do not report nor deal with credit reporting agencies or any third parties WITHOUT the credit reporting agency or third party filing a motion to release information which a judge has to sign off on? If that 's true, how in the world are these credit reporting companies claiming they verified this information without talking to the source? They are hiding behind the third party knowing that the third party only verifies case numbers??? This is beyond crazy! I 'm requesting that Equifax, XXXX, and XXXX file the proper paperwork with the court and update my credit report with the correct information. I have already proven in the past that these 3 companies are known for saying they have investigated and verified information only to find out they did not. ( EX. XXXX XXXX XXXX CFPB # XXXX ) They claim for months they verified that incorrect information and refused to reinvestigate even as early as two weeks ago. How did that turn out? I 'm not asking for anything but to have the correct information reporting on my report. I did not file a CH.XXXX bankruptcy in 2012. According to the Federal Court, that case was filed in error, something as easy as typing a wrong number in the social number or last name could had trigger the error. Please remove at once or provide the full case information that would include my picture ID and copy of my social security card. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
yes i walked into a branch at bank of America to open an account. They ran my social security number and stated they can not open an account or even override it because my account is showing by security as closed for fraud of identity. I never had this issue with BANK OF AMERICA. so I requested the branch manager they contacted the security dept which in hand stated they have no account previously showing with me at allbut someone put a block for an unspecified reason on my name and social security

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 2022-10-03
Company: Foreman Financial Inc.
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: Investigation took more than 30 days

Complaint:
Hi I received a truck loan from this company in XXXX this company reported that I received the loan in XXXX. I did not sign any documents or contracts with this company in XXXX I surrendered the vehicle theyre showing a repossession on my credit and they continue to update my file on purpose lowering my credit score. The companies name is Forman financial in XXXX XXXX California. I submitted a complaint with the credit bureaus they said the information is correct its not correct. 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 explanation