BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt collection company by the name pf Phoenix Financial Services has placed an open account on my credit report on XX/XX/XXXX. In my research this stems from an ambulance bill. The service date was XX/XX/XXXX, I almost lost my life this day. The ambulance bill was taken care of by or should have been taken care of by the Texas XXXX XXXX XXXX XXXX, as well as my employer XXXX XXXX XXXX XXXX who had also insurance through XXXXXXXX XXXXXXXX. This was a work related incident. The originator of this bill was XXXX XXXX XXXX, hence XXXX. My credit score is now destroyed, prior to this collection that appeared out of nowhere, showed my credit report with good and exceptional credit. This fraudulent and erroneous collection that was placed on my XXXX score caused a plummet of XXXX points. I have disputed this with the 3 credit agencies, XXXX, XXXX and XXXX and deeming this as identity theft. The Workers Compensation is also reviewing as well and my pervious Employer, XXXX XXXX XXXX XXXX and XXXX XXXX. This company Phoenix Financial should have never put this on my credit report as a collection. This company according to complaints with XXXX and yourself is destroying peoples credit and life. Please investigate to close this company for continuing to destroy peoples credit with placing false collections of peoples credit report. They need to delete from credit report and reinstate the score prior to this fraudulent collections. How are they able to get away with identity theft and place it on someone's credit. This is clearly with so much evidence a workers compensation claim. If there are any one fighting to get their name cleared from these false collections, please share and help us fight so no one else is destroy by Phoenix Financial Services-Collection Agency .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: ENCORE CAPITAL GROUP INC.
State: WA
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:
I paid off a collection that went to an attorney on XX/XX/2021. Original debt was XXXX  XXXX, then midland funding LLC. After several disputes with credit report, midland funding is still reporting it as unpaid. I've spoke to midland funding XX/XX/2021 and they know it's been paid. Still they're not reprint it as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of Capital One. Apparently they are the worse credit card company to protect the victim and help the thief. 
I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like Capital One. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
i went to bank of america to get a loan and i was denied credit. under the uniform commercial code i can not be denied credit under 15 usc 1611 i can not be denied credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Receivables Performance Management, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an account with XXXX XXXX. The service was absolutely horrible. My service went out and was out for literally 2 months. It was coming upon my contract ending in a few weeks when I call them to end the contract early. I was told that I still had 2 weeks on my contract and that I would have to pay early termination fee of XXXX dollars. I agreed to the XXXX dollars and paid that during the conversation on the phone. They then proceeded to tell me that I had a bill for the services that I kept calling them about and telling them that I did not have services for 2 months. They kept telling me that I needed to pay a XXXX dollar service fee for them to send someone out to check my service so I refused to pay and terminated the service early and paid the early termination fee he said that I owed. Later they put a XXXX dollar collection on my report. I wasn't paying them for services that I wasn't receiving and wasn't going to pay them a XXXX dollar service fee for their equiptment to be serviced. They sent a box for me to send the equiptment back and I sent everything back to them also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, XXXX XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is becoming a serious issue. Your company has still not followed the instructions that were clearly stated in my letters that were sent on XX/XX/2021. I demanded that you produce for me the original consumer contracts bearing my signature for that accounts that were listed in my letters through physical verification which you were required to do by federal law per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Till this day I have received NO original consumer contracts bearing my signature on it at all showing that those accounts are indeed verified and accurate. All you did was complete the disputes and said that the accounts were verified without providing the information that I demanded. As a consumer, I am completely disgusted at the fact that you have openly committed federal violations as if I don't know my rights as a consumer. This violation is grounds for immediate deletion of all accounts that were listed in my disputes. since you want to XXXX XXXXXXXX and stall with my disputes and pretend as if you clearly cant read, I'm evoking my rights as a consumer Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) ( 2 ) I demand that you remove all accounts listed in my letter because i have not given you any permission to report any accounts onto my consumer report in the first place. i have attached the first dispute dated XX/XX/2021 as evidence and my new letter dated XX/XX/2021 containing the 3 accounts that I'm demanding be removed. if you decide you want to ignore or stall with my request I will file a law suit requesting monetary relief for the damages of your inaccurate reporting as well as the clear violations you have decided to commit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: REGIONS FINANCIAL CORPORATION
State: AL
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:
Around XXXX I submitted a request for payoff of my Regions mortgage. I received a confirmation and was informed I was good to go with my home sell. My home sell was scheduled for end of XXXX and was pushed back to XX/XX/2021 due to errors presented by the buyers lendor. I began receiving debt collection calls from regions and informed them OVER and OVER again that I had a payoff scheduled with them and that if I needed to make the payment for XXXX, then I would. I was informed by the regions customer support that it was not necessary since I was in the middle of a close-out so I didnt think anything of it until the phone calls kept coming and kept coming and each time I had to inform a new individual of the SAME information I told the previous 5 employees. Each said the same thing and told me not to worry about any more phone calls yet I did receive them. Now my home is sold, the loan is paid as I explained to Regions OVER and OVER again, and now I have a delinquent payment on my credit. I demand this be removed or I my attorney will be the next to handle this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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 have tried to reach out to each credit reporting agency and they have been closing my complaints every time. I am giving authorization to to pursue this complaint. I have attached my credit report for this account and there are multiple discrepancies on all three credit reporting agencies. The open dates, high credit amount, the inaccurate late payments dates are also inconsistent. Also there are missing report dates as well. These numbers and dates are supposed to be the same. If all three credit reporting agencies receive the same information from the same creditor, why are these numbers so vastly different?

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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 2022-12-16
Company: Justice Finance Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
At XXXX AM on XX/XX/22 I received a call from an individual who introduced herself as XXXX from Justice Finance. She initially asked for another individual, I told her that was my husband, and she then called me by a different last name. I corrected her and asked her not to call me anymore. She said ok and hung up. She then called again at XXXX AM and she proceeded to tell me that she was contacting me as I was a reference for an individual and disclosed their name as well as indicated that they are past due and that because their sister did not work there were any longer did not mean she did not have to pay. I replied by telling her that I would relay her message and also asked her if she was aware of the FDCPA and FCRA, she stated she was aware. I then proceeded to tell her she was in violation by providing me with information on the status of the account. She then would talk over me and not listen to me and cut me off. I ended the call. I contacted the individual about the call and she informed me she was under 30 days late and aware that the company 's policy does not warrant calls to references unless they are past due way over 30 days. She also informed the company she would make her payment before the month was over, therefore there was no need to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close a checking account with TD Bank because I now live in an area without any branches. However, they keep saying they can not do it with an instruction. Then, they also keep charging me maintenance fees on the account, which has no activity at all. Then they tell me they can not close the account because it has a negative balance. So I cover the fee, and they still do not close the account. Of course, they keep charging maintenance fee on it, and it seems like they plan to just keep making me pay maintenance fee on an account I do not use. I would like to know what they are doing to " maintain '' my account, and why they can just ignore my repeated requests to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I went to the my local branch of the Huntington bank and I applied the XXXX XXXX credit card on XX/XX/XXXX using my BUSINESS information ( LLC ) only. I was NOT told that Huntington bank would check my PERSONAL credit score for this application of the business credit card at that time. I did NOT sign any document to authorize Huntington bank to pull out my PERSONAL credit score as well. 

On XX/XX/XXXX, I surprisingly received a notice from XXXX XXXX that there is a hard pull requested by Huntington bank to check my PERSONAL credit score at XXXX. 

On XX/XX/XXXX, I was told that my application of the BUSINESS card was denied. I called Huntington bank and I was told that the application is denied because my BUSINESS does not have the sufficient score. 

I am fine with the result and the explanation. But I do NOT understand why Huntington checked my PERSONAL credit score without my authorization. Then I called the Huntington bank again to ask the reason. The representative told me that my BUSINESS has no sufficient score and then they checked my PERSONAL score. My PERSONAL score is very good but the application decision is made based on my BUSINESS score. 

I did NOT like the response from the Huntington bank. 
First, they do NOT have my authorization to check my PERSONAL score for the application of the BUSINESS card. I was not asked for my social security number during the application of the BUSINESS card. They have my social security number because I have a checking account with Huntington bank and my social security number is on file. 
Second, the application decision is made based on my BUSINESS score. They already knew my business has no sufficient score and my application must be denied. Why did they continue to check my PERSONAL score? It is a useless action and its only purpose is to hurt my PERSONAL credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: SunnyHill Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
The lender approved a loan at a locked rate of 7.625 APR for an investment only to rescind the o # er on the final day of closing. When questioned, they cited that the property did not meet XXXX XXXX Guidelines due to the possibility of fractional ownership. However, there is no fractional ownership of said property, nor has then ever been fractional ownership, nor is it planned. Moreover, there have been conventional loans backed XXXX XXXX recently for the same condo complex. We also incurred costs for a property appraisal and multiple credit inquires. We believe the lender does not want to honor the credit rate that we locked in, since rates have risen significantly since then. We believe this is the reason they wanted to cancel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 asked Transunion and XXXX and XXXX to remove all of these inquiries from my credit report. I did not apply for the XXXX inquiries within a XXXX month. Please remove them. They have yet to do cell after admitting this is very unusual and they would take care of it, they have not. They still show on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to 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 2023-06-01
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In reviewing my credit report on XX/XX/23, there is a collection account I do not recognize as XXXX XXXX XXXX XXXX in the amount of {$3900.00}. According to FCRA and FDCPA, debt collectors are required to send written notice before attempting to collect or report alleged debts. XXXX has violated my rights by not allowing me the 30 day " Right to Dispute ''. Additionally, this collection account is reporting as " Past Due '' which is also a violation of the FCRA and FDCPA. I am demanding the removal of this account from report.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to lift my credit freeze. Went online and was supposed to be emailed a code to verify my identity. The system never sent the email, so I called and follow the steps, when I attempted to place the date range, the automated system kept stating that I was putting in the wrong dates. 
I called and the agent acknowledge that they were having trouble with their systems. This was Friday, XX/XX/XXXX. Today is XX/XX/XXXX and it's still not working and I am about to lose out on a vehicle I am trying to purchase because my Transunion credit file is still frozen. 
Called again on XX/XX/XXXX and was told they couldn't help me. 
Please advise.

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 2022-12-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation