BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE: XX/XX/XXXX  PHOENIX FINANCIAL SERVICES LLC  Permit No  :  XXXX  Type : ADAD Permit Approved Date :   XX/XX/XXXX   Date Last Renewed :   XX/XX/XXXX   PHOENIX FINANCIAL SERVICES LLC  XXXX   XXXX   XXXX   XXXX   XXXX       XXXX      XXXX    XXXX , IN  XXXX  Web   :: www.phoenixfinancialsvcs.com Emai l :  XXXX  XXXX  XXXX  Phone :  XXXX  Toll Free :  XXXX  Fax :   XXXX    PHNX FINAN Your company have vi  olated FCRA 615 ( f ) ( 15 U.S .C. 1681m ( f ) ) ( f ) Prohibition on sale or tra nsfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.    I need this resolve, under the Fair Credit Reporting Act, these disputed ite ms may not app ear on my credit report if they can not be supported by any evid ence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under sec tio n 1681c-2  of this title has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the a  ssignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under sec tion 1681c-2  of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   
The reference items are listed below please take this matter very serious PHNX FINAN I   have report your company t o consumerfinance.gov A s a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act Lit igation, Case No.  XXXX , in the  U.S. District Court for  the  XXXX   XXXX   of  California  Stop  collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB   XX/XX/XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, i lost my phone and wallet, within a week a see some chargers from XXXX XXXX on my bank account from Wells Fargo, I called my bank and tell them everything that I lost my phone and card, they filed a claim, for {$1400.00} which were all from XXXX XXXX as you can see in the pics, fyi I dont have cash app or use it at all, this claim was made as soon as I found out, they credited me {$1400.00}, past 20 days, {$1100.00} gets taken out of my account, remember my claim was for {$1400.00} I called Wells Fargo and ask them what happened, and they said that the merchant presented proof that I made those payments which I responded what proof? No answer, and then I said if they presented proof you wouldve taken the {$1400.00} all but you didnt and only took {$1100.00} which is already a lot, they lady on the phone just stay quiet and said that they couldnt do anything else, Im really mad and sick, this is not funny I want my money back, because I didnt authorized/make those transactions and it doesnt make sense why they didnt take the whole {$1400.00}.

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
Consumer complaint received 2017-05-08
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:
XXXX XXXX XXXX is reporting that I have two collection accounts with them on my credit report. I initiated a dispute through the 3 credit bureaus on XXXX XXXX, 2017. All of them came back saying XXXX XXXX XXXX verified account. I wrote and faxed a letter directly to XXXX XXXX XXXX asking them to send me proof and verification that I owe this debt and in the amount of which I owe this debt and the information from the original creditor. The mailed back a screenshot of their computer screen which has a name similar to but does not match my name at all and that does not match my address. In addition to I asked for verification that they are allowed to collect on debt in the state of Alabama, which I checked their licensing and they are not. Furthermore, on that screenshot they list XXXX XXXX account yet they have two accounts on my credit report, one for the cable service and another for the cable equipment but they were linked to XXXX XXXX XXXX  account. I sent another letter after they sent this information with my identification and proof of address and asking that they remove the information from my credit report, as per the FCRA inaccurate information can not be reported and the name and address and phone numbers are in fact inaccurate. This has caused me much stress. Please assist if possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Westlake Services, LLC
State: IL
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:
I'm extremely disappointed in the way this company has treated me for not responding to the dispute I sent a couple of weeks back. This company has violated my rights, and this is unacceptable.

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 2017-05-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card has not been open but there was no other category for me to report this issue. Since XX/XX/XXXX 2016 to present, there have been repeated attempts through Amazon.com to open a Chase credit card in my name. The request is not approved as more information is being requested and because I already have an Amazon Chase card. The problem is that I must call several times a month every time I get a letter, go through the whole process, reopen a fraud alert, and neither Amazon or Chase have changed their process. I am told by the fraud folks at Chase, this is a known issue and they are waiting on a fix but in the meantime I must call every time, have the request to remove from my credit report, and extend my fraud alert. Both Amazon and Chase should know this is repeated against my name and Social and advise the person requesting that the request can not be open and to call a special toll free with Chase fraud or Amazon. I should be sent notification that another attempted occurred, no action needed, and they have me protected.
This should n't be that difficult to flag my SSN and since I do have a fraud alert, why does n't Amazon oor Chase change what they have communicated to me or the person requesting the card. In addition, I have moved and the notices from Chase are sent to my old address since that is what the fraudster is using for the new applications. This shows a clear lack of agility by Amazon and Chase to handle the increasing fraud attempts. While I am happy that no card had yet been issued, if I did not already have a card with Amazon Chase, and if I was not calling every week to close out new requests that one would have been issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have XXXX credit cards with Capital One. I do n't have cards for either account and Capital One ca n't seem to issue me any when I request them. For almost a year they have n't been able to tell me why they ca n't issue new cards. They also ca n't tell me what 's wrong with my online banking account. When I log in it shows that I owe a large balance on both cards, but both cards have XXXX balances. When I call them on the phone ( I have to call to make payments ) they say I have a XXXX balance. But when my statements come in the mail they show me owing a balance. I asked them to send me a letter confirming the XXXX balance on the cards. The letters, cards and other correspondence they promise to send never arrives. One CS rep told me my account somehow got mixed up with another customer, but no one, not even the managers, seem to know what 's going on. I wrote them and they said they were going to close the accounts. I 'm uncomfortable with them closing the accounts until this situation is sorted out as it may reflect badly on my credit report. I hope to purchase a house this summer so it 's important that I get resolution to this situation as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX   {$760.00}

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
Consumer complaint received 2019-10-04
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was transferred from XXXX XXXX XXXX to Loancare on XX/XX/19. Previously, our autopayment of {$2200.00} with XXXX XXXX XXXX  was taken out of our savings account on the 1st of every month. When Loancare had not withdrawn the auto payment by XX/XX/19, I mailed a physical check from my checking account to pay our XXXX mortgage. On XX/XX/19 Loancare tried to process our autopayment. Because the funds were not available in the account we were charged a {$30.00} NSF fee. I moved money to the account to make sure it would not be overdrawn again. Two days later Loancare retried the autopayment on XX/XX/19 and the funds were taken out of our account. In addition, on XX/XX/19 Loancare cashed the physical check I mailed. However, only one of these payments posted to our loancare account. In the past two months, we have been trying to contact customer service to identify which payment posted to our account and request a refund of the payment that did not post. We have made 5 phone calls to loancare ( XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 ) and spent approximately 1 hr and 15 minutes on the phone with customer service. We have also sent four separate e-mails to payment research as requested by customer service reps with documentation showing that both payments were withdrawn ( e-mails sent XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 ). As of today XX/XX/19, Loancare has still not been able to tell us which payment posted to our account ( the auto payment or the check ) and has not refunded us nor applied the missing payment to our account. We have also been lied to, being told a check was mailed to us, when in fact someone else told us the next week that it was not. We just want the money that is ours either refunded or applied to our account.

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive noticed someone finally filed a lawsuit with Wells Fargo over their overdraft fees. I doubt they will contact me as after having numerous months of them doing this to me, I changed my bank. But, what they would do is hold up certain charges or hold up a deposit ( that they had showed already hit ) until days later to ensure Id rack up numerous overdraft charges. Id make calls to get it corrected and every once in a while theyd waive one but Id still have to pay 2-3 or some months even more in overdraft fees. So like I said, losing that much money each month because they would move around dates of when things hit to ensure Id over draft made me finally close the account and bank elsewhere. Id love to have even a fraction back of the overdraft fees wrongly charged. I cant even log into my account now to pull up the records, so Im sure theyll get away with not paying me.

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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Needed to get removed wrong names, addresses and phone numbers.

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 2023-05-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They closed my account due to a fraud check thats somebody deposit on my account and they reopened and create a new account for me and now I have been charged for they claims that the fraud people did its an amount of XXXX and I cant pay thats because I dont have the money I didnt do those claims I didnt deposit those checks and they may get the address of the people that did this and send them a letter charging them that money not me and I have a pay check that is coming to pay rent and I cant pay rent if they are charging me something I didnt do and it was a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Personal information incorrect

Complaint:
Experienced Fraud/identity theft involved personal information that was stolen/compromised on the web which resulted in fraudulently applying for and obtaining 3 personal loans ttl $ XXXX, opening a bank account in my name ( fraud/identity theft ) and perpetrator used a phone number via XXXX XXXX that was obtained without my permission and/or knowledge to substantiate this fraud/identity theft.

Experian continues to report false phone numbers that I have never been associated with almost on a daily basis, even though my report has been locked and placed a fraud alert on XX/XX/XXXX. I have had to dispute these false phone numbers literally every day the past three days via online disputes with Experian and new phony phone numbers have shown up ( different ones ) that I'm not associated with nor ever have been the past few days, XX/XX/XXXX and XX/XX/XXXX My only phone number I have is my cell phone which is XXXX. I have had this number since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: U.S. BANCORP
State: IN
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:
After receiving no response to our letters disputing charges to our account stemming from a fraudulent charge, we filed a complaint with CFPB. 
As a result of this complaint we received the attached letter dated XX/XX/XXXX from Elan Financial Services stating that : 1. They were removing the late fees and charges that they had added to our credit card account as a result of a fraudulent charge.

2. They were restoring our credit limit. 3. Acknowledged that our account had a zero balance. 4
. They had reported to the consumer reporting agencies XX/XX/XXXX that no payments were made past due. 

I checked my credit score at this time and found that it had greatly increased. I checked it again recently and found that my score had dropped dramatically. 

After searching my credit report I found that Elan Financial Services had falsely reported our account for having 2 late payments. ( One for XX/XX/XXXX and the other XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions 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 THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XXXX XXXX Balance : {$940.00} {$940.00} No. of Months ( terms ) : 0 0 High Credit : {$940.00} {$0.00} Credit Limit : {$600.00} {$600.00} Past Due : {$940.00} {$940.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XXXX XXXX  Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXXXXXX XXXX  Date of Last Payment : XXXX XXXX  Two-Year payment history Month 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 Experian 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 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 Shall be removed from the consumers report not later than XXXX 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2019-10-04
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Quantum Collections had me sign some document of there for {$1000.00} dollars in late fees if I'm a date late. I was never sent nothing in the mail to dispute the bill. Quantum Collections. the original bill is {$480.00} which was owed to XXXX XXXX  XXXX XXXX. Quantum Collections had there own document for the extra {$1000.00} dollars.

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