BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a complaint in regards to Phoenix Financial Services LLC. I have been receiving several phone calls a week from a company when it shows up on my phone shows as XXXX XXXX. I would pick up the phone and they would hang up and this went on for several weeks. My phone deletes the call log so I am unable to obtain, we would have to contact cell phone company to obtain all the dates and times. Finally last week when I answered the phone the person spoke extremely fast, they did not tell me the name of their company but stated they were calling in regards to my medical file and needed to speak to me and needed my date of birth. I asked them to identify themselves and why they were calling and they repeated again that they were calling in regards to my medical file and needed my date of birth. I advised due to HIPPA regulations I did not have to speak to them about my medical file over the phone and asked that they inform me which doctor 's office they were calling from. At that time the person was very irate, stated then at that time she was calling from a debt collection agency and that she knew my date of birth at which time she blurted out and when I attempted to ask her what debt she was calling in regards to she hung up. I called back the phone number and no one would pick up. Later that week I received a debt collection letter from Phoenix Financial Services LLC located in IN stating I owe money to a current creditor by the name of XXXX XXXX XXXX XXXX which I have no idea who this company is nor have I ever received a bill from that company. I went online to research this company and saw several complaints online with similar letters stating the same exact thing. Stating they do not know who this company is, they never received medical attention from this company and were being told they were going to collections. I believe this to be fraudulent. I believe if this is a debt collector they violated several regulators, one by impersonating to be a medical facility, requesting my personal information, not verifying whom they were, why they were calling, what the debt was in regards to nor identify the company making the claim. Please note when you try to call XXXX XXXX XXXX XXXX the phone listed online with XXXX is the phone number to XXXX XXXX XXXX headquarters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I interviewed with XXXX on XX/XX/XXXX and was hired as XXXX XXXX XXXX on XXXX. I spoke with XXXX XXXX, VP of HR via the XXXX XXXX  for the duration of the hiring process. 
After being notified of my hired status with the company, she had sent me on-boarding paperwork to sign and date. Once that was completed, she had sent me a check and asked me to contact their vendor to purchase my home office supplies ( XXXX XXXX, etc. ). She noted that their private vendor would assist in personalizing my computer to accurately do my job. 
Two payments of {$500.00} were made via Zelle ( XXXX total ) to their vendor, XXXX XXXX. After that, XXXX XXXX tone changed and I realized that this situation might have been a scam. I contacted my bank, XXXX that same day. 
I also spoke with a Zelle associate who assured me that this situation seemed to be fraud and would be investigated, as well as my local police. 
On XX/XX/XXXX, I had received a letter in the mail stating that based on their investigation, my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXX CLS - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance $ 231 Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit XXXX 's request Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX number ( XXXX ) XXXX It's been more than 30 days for the investigation!!!! 
RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card with Citi Bank, we paid $ XXXX by mistake on XX/XX/2022, When we realized on XX/XX/XXXX, I called customer service to refund that amount to my Checking account with Same CITI Bank or refund to the origin, from where the payment was done. They said there will be hold till XX/XX/XXXX then we will release the payment. But despite of several calling they are holding the money, which is not back yet. 
I expect {$500.00} + Interest @ 20 % should be awarded to me with refund.

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 2023-06-15
Company: EQUIFAX, INC.
State: FL
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:
In 15 U S code 1681b States : permissible purposes of consumer Hard Inquires have no permissible purpose being on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
Under freedom of information request I would like to request any XXXX filed by rocket mortgage in regards to account XXXX and any XXXX the remic has on file in regards to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I made a dispute on my business account. 
They suspended 18 checks after taking the money from the companies who paid me and said they were unverifiable and closed my account. Note they wont give me my money and said that they will no longer communicate with me any longer. 
XXXX # XXXX {$250.00} XXXX # XXXX {$1000.00} XXXX # XXXX {$600.00} XXXX # XXXX {$800.00} XXXX # XXXX {$250.00} XXXX # XXXX {$250.00} XXXX # XXXX {$800.00} XXXX # XXXX {$250.00} XXXX # XXXX {$600.00} XXXX # XXXX {$250.00} XXXX # XXXX {$250.00} XXXX # XXXX {$1000.00} XXXX # XXXX {$500.00} XXXX # XXXX {$400.00} XXXX # XXXX {$400.00} XXXX # XXXX {$200.00} XXXX # XXXX {$250.00} XXXX # XXXX {$800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
Company: EQUIFAX, 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:
My Student loan has been taken over by XXXX XXXX  and they have been lying about everything. 
They never explained me about forbearance and they keep putting forbearance on my account by making false allegations that they explain me what forbearance is. 
They never explain me about Forbearance and also, they never explained me that my interest would be capitalized. 
They also, falsely reporting to credit bureau about my late payments because of which I have bad credit. 
When I asked them to send any letters or records, they asked me to get subpoenaed and they always talk in threatening way and told me that they will report to credit agencies. 
When I asked them to open an investigation, they never did, they asked me to get my lawyer every time I asked any clarifications. 
Once time I wanted to pay off their loan by taking another loan, but they refused to take my payments and then put Forbearance again, because they wanted to collect interest on my loan fraudulently. 
I need immediate help as I am feeling depressed because of their behaviors and my personal life being affected badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't and never ever agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. XXXX XXXX XXXX and 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 2023-03-15
Company: Experian Information Solutions 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 information incorrect

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THEY HAVE ALL 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 : 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 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 2023-06-15
Company: EQUIFAX, INC.
State: OH
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 am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$1900.00} XXXX XXXX  XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: JPMORGAN CHASE & CO.
State: NC
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:
I paid off the lien back in XXXX and was sent the lien satisfied letter but was it not updated electronically to the North Carolina DMV. They have stated on their site that they do this for states that have this option. It is also required by law in the state of North Carolina. The first time I called the representative hung up in my face. The second representative said they don't see where North Carolina is an ELS state. I told them it's literally on their website faqs and it's NC DMV information. She just kept saying that's all the information that she had. I asked to speak to supervisor but was told none was available and that she could only take number and try to get someone to call me back. I asked could I have an email so that I could communicate with someone in writing for my records and she said that she could not give me anyone 's direct contact

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: FEDChex Recovery, LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a text message that reads : Please contact FCR regarding your account at XXXX or call XXXX. This is an attempt to collect a debt. 

I called the phone number yesterday, XX/XX/XXXX. The person I spoke to said I owe XXXX XXXX   XXXX XXXXXXXX XXXX XXXX {$930.00}. She said that the account had been submitted to a law firm ( I dont remember the name of the supposed law firm ), that was preparing to demand payment in full plus unspecified legal fees. I asked the woman to give me a phone number so that I could contact the law firm. She told me they would not speak to me. She then told me that FCR would reclaim the account from the law firm if I would agree to pay them {$150.00} per month for the next 6 months, with the first payment due immediately. 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX this morning, XX/XX/XXXX, and confirmed that my account with them was paid in full years ago. I was treated by physicians there in XXXX. I also checked my credit report with XXXXXXXX. No debt collection claims against me have been submitted to any of the three major credit report companies. 

FCR is attempting to defraud me of {$930.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from NELNET dated XX/XX/2022 informing me the amount of my student loan payment. I don't have an account with NELNET. They have reached out to me using my personal information which leaves me to assume my identity has been stolen and used to open an account with NELNET. I have filed an identity theft report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance Owed : {$28000.00}.

Company response to consumer: Closed with non-monetary relief