BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report when a company called  XXXX   XXXX   XXXX   XXXX   XXXX  PA showed up as a derogatory remark on my report. I contacted all  XXXX  credit bureaus to try to get information on what this account was and they told me to contact them. I did and they informed me it was from a previous visit from their hospital. I informed them I am not sure who they were and what the charges were in regards to and if they could submit information or proof, such as a form I signed or anything and nothing was sent. I contacted my credit bureaus to dispute the services and charges due to I never signed anything with this company and they removed themselves from my   XXXX   report but stayed on my  XXXX  and   XXXX  . I went through the dispute process again and asked to submit documentation of what i signed wi th ARS  showing I owed them and still nothing has been sent to me. This has been ongoing since  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 2022-09-21
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX XXXX XXXX I visited the XXXX. I paid my deductible per XXXX XXXX ( my health insurer, at the time ) and received a statement that the claim was settled. A few months later, I received a bill from the XXXX doctor. I contacted them and asked what the bill was for and they stated that they didn't work for the hospital and it was part of their billing. I immediately contact XXXX to complain, given I should only be responsible for the deductible. They agree and informed me this was called Surprise Billing and not to pay it, they would handle the claim. About 6 months later, I began receiving requests to pay this doctor bill from a collector. I told them I was informed by my insurance company to not pay and forwarded the statements to XXXX. In XX/XX/XXXX, I applied for a Home Equity Loan and was very surprised to see I was denied and immediately ran my credit report. The debt collector for the XXXX doctor reported this Surprise Billing negatively on my credit report for both XXXX and XXXX. I again contacted XXXX and asked why this hadn't been taken care of, as they stated they would. They pull the claim and said they would again take care of it. This has affected my credit negatively and repairs needed on my home. It now illegal to collect on Surprise Billing and I am stuck in the middle between an unsavory debt collector and my health insurer. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: KLS Financial Services, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from a company claiming to be a debt collector. I was told they have been trying to contact me for six years. I had never received any communication from the company up to that point which the representative admitted to. I was then, what I perceived to be, threatened that the debt would be reported to the credit bureaus. A few short weeks later the debt was reported to the credit bureaus. I have submitted disputes as I still have not received any proof or validation of what the debt is or how it is this debt collector determined I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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:
I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; 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 XXXX XXXX XXXXXXXX balance owed incorrect . Total loss paid Personal Name reported XXXX XXXX XXXX XXXX XXXX XXXX All reports XXXX XXXX XXXX Montgomery- XXXX Addresses Reported XXXX XXXX XXXX XXXX Ohio XXXX needs removed XXXX XXXX XXXX XXXX Ohio XXXX needs removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: Credit Services Corporation, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was charged twice by Health Credit Services for a monthly installment on loan XXXX, but they never credited me for the double charge. They simply pocketed the money. I sent documentation of the deduction directly from my checking and attempted to follow up over several weeks, but they never responded. One customer service manager did mention that this appeared to have happened to a number of accounts, but she refused to say what, if anything, the company was going to do to fix it. 

The company is managing a loan for services rendered at XXXX XXXX XXXXXXXX. XXXX appears to be based in XXXX, North Carolina.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 disputed inquiries from these companies on XXXX, before & after. I have not received any information or wet signature validating my permission to use or run my name but I still have them on my XXXX report. I have gotten no response and do not know what to do at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: JPMORGAN CHASE & CO.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
on the XXXX of XX/XX/XXXX I made a wire a transfer of {$25000.00} to a merchant called XXXX. 
It turns out that the details ( wire details ) transferred the money to a XXXX Bank account called XXXX XXXX XXXX - this account obviously had no connection to the merchant I had ( tried ) to transfer the money to. 
In the end of XXXX I realised that this transfer was probably a money laundering or wire fraud attempt and I asked my bank ( Chase ) to recall the transfer. 
They came back to me saying that there was no more money in the beneficiary account and that they could not recall the money. 
The Recall Case Id : XXXX I feel that Chase should have shown due diligence and should have " flagged '' this highly suspicious amount and warned me not to transfer it to the suspicious beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions 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:
under federal law 15 U.S.C 1681 section 602 A I have the right to privacy 15 U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish info on my accounts without my written instructions. 

Experian XXXX XXXX All 3 of these reporting agencies have posted on there sites about a XXXX XXXX XXXX that I have not given written permission to do so and are violating my federal right to privacy and I would like that report removed.

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 2018-04-19
Company: AMERICAN HONDA FINANCE CORP
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: Old information reappears or never goes away

Complaint:
I CAN NOT RESOLVE THE LAST FEW LATE PAYMENTS ON THE ACCOUNT. I HAD SOME MANY PROBLEMS WITH MY COMPUTER IN XX/XX/XXXX AND MY PAYMENTS WERE GETTING IN LATE AND THE SUGGESTION OF THE SUPERVISOR OF AMERICAN HONDA FINANCE I HAD MADE A PAYMENT ON THEIR WEB SITE AND I WAS APPLIED LATE AND MY CAR WAS TOWED FOR THE LAST PAYMENT NOT RECIEVED OR RECIEVED LATE. THIS COMPANY HAS TREATED ME VERY POORLY, AND BULLIED ME INTO BELIEVEING I DESERVED TO HAVE MY CAR TOWED AND TO PAY THE TOWING COMPANY A FEE FOR A PAYMENT MADE BUT NOT POSTED IN TO THE ACCOUNT. THIS ERROR WAS ENTIRELY HONDA FINANCES FAULT. 
ALL I WOULD LIKE IS TO HAVE THE LATE PAYMENTS REMOVED FROM MY HISTORY. 
I ALSO DONT KNOW WHY THEY WOULD UPDATE MY ACCOUNT IN XX/XX/XXXX AND XX/XX/XXXX, WHEN I HAVE HAD NO PAYMENT OBLIGATION TO HONDA FINANCE, AT THIS RATE I WILL NEVER GET RID OF THIS BAGERING COMPANY FROM MY CREDIT REPORTS. 
PLEASE HELP ME IN REMOVING ALL THIS HISTORY FROM THIS COMPANY ... THIS IS MY RIGHT AS A CONSUMER, I HAVE HAD NO FURTHER BUSINESS WITH THIS COMPANY AND THEY STILL HAVE ACCESS TO DESTROY MY CREDIT ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2021-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 disputed inquiries from these companies on XXXX, before & after. I have not received any information or wet signature validating my permission to use or run my name but I still have them on my XXXX report. I have gotten no response and do not know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Hi, I am filing this complaint because the executive office of Well Fargo is denying me to use a promissory note to open an account. 

I filed with them twice My 1st case # XXXX the agents were XXXX XXXX and her boss XXXX XXXX. They refuse my claim My, 2nd case # XXXX the primary agent is XXXX XXXX which look at my first case and reexamine the claim. He also refuses my claim. 
I have sent out attachments through email about the laws and regulations to back up my claim. 
" In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S.669. 

" A national bank has no power to lend its credit to any person or corporation ... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 s.ct 1024, 176 us 682, 44 LED 637. 
" Banking Associations from the very nature of their business are prohibited from lending credit. '' ( St. Louis Savings Bank vs. Parmalee 95 U. S. 557 ) " Banking corporations can not lend credit. '' ( First National Bank of Amarillo vs.

Slaton Independent School District, Tex Civ App 1933, 58 SW 2d 870 ) " Nowhere is the express authority granted to the corporation to lend its credit. '' ( Gardilner Trust vs. Augusta Trust, 134 Me  191 ; 291 US 245 ) " A national bank has no authority to lend its credit. '' ( Johnston vs. Charlottesville National Bank, C.C. Va. 1879, Fed Cas. 7425 ) " A contract made by a corporation beyond the scope of corporate powers is unlawful and void. '' ( McCormick vs. Market National Bank, 165 U.S. 538 ) ( Note : Black 's Law Dictionary : ultra vires Latin for " beyond powers. '' It refers to conduct by a corporation or its officers that exceeds the powers granted by law. ) Wells executive office does not recognize the laws My loan is to fix my teeth because I have XXXX  XXXX and it affecting my health which is putting me at risk. I need your help to reach out to them and give the laws above here.

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 2023-07-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-13
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:
I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address ( Insert address ). 
My name should also read XXXX XXXX, my current phone number XXXX. 
Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

XXXX XXXX XXXX, IL XXXX-non mailable address XXXX XXXX XXXX, IL XXXX-non mailable address XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX, IL XXXXnon mailable address

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 2023-06-02
Company: Conn's, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From XX/XX/23 to today, XX/XX/23 they called me 17 times. They even called me after I paid my monthly payment, though it was late. I told them that this was harrassment when I finally answered their call. They informed me that they are allowed to call me that many times. They used 2 different numbers to call from XXXX and XXXX. The company 's name is Conns XXXX. I told them that I work from XXXX am to XXXX pm, but was informed that they can't guarantee that someone won't call me during those hours. I had told them on XX/XX/23 that I would make a payment online on XX/XX/23 once I received my paycheck. I am not normally allowed to deposit my paychecks until after XXXX pm on XXXX. They called me at XXXX am and then proceeded to call me 5 more times on XX/XX/23 alone, at XXXX am, XXXX am, XXXX pm, XXXX pm and XXXX pm. I posted my monthly payment before receiving their last call and was not 30 days late. Most of the calls took place while the owner of the company that I work for and my supervisor were present, which made for an embarrassing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I paid my XXXX  card in full in XX/XX/2023. They had just sent it to a collection agency. XXXX is not reporting my credit card paid in full on my credit report. I have tried to contact them, but get someone with a foreign voice that doesn't understand what I am asking for them to do. I have disputed this 3 times with all three credit bureaus, and they will not update my credit report. This is now causing me to be denied from renting an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My fianc and I financed a car thru at called XXXX in XXXX XXXX GA back XX/XX/XXXX. AWESOME car it was 14,000 ( est. ) well we was having financial problems and they came and got the car XX/XX/XXXX. We got back on our feet and called about trying to recover the car, I was told that the car was sold at a auction for XXXX but theres still a remaining balance that we have to pay of XXXX. I have been received phone calls but no letters. Its on my credit and its hurting us because I dont understand why I have to pay a remaining balance and they already sold the car. PLEASE HELP

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 2023-03-20
Company: EQUIFAX, INC.
State: PA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, has violate15 Ud my rights. 

15 U.S.C 1681 SECTION 602 A. States I have rights to privacy.

15 U.S.C 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: CURO Intermediate Holdings
State: CA
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 disputed inquiries from these companies on XXXX, before & after. I have not received any information or wet signature validating my permission to use or run my name but I still have them on my XXXX report. I have gotten no response and do not know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX {$150000.00} XXXX  XXXX XXXX {$3400.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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