BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to Phoenix Financial Services on Monday, XX/XX/18, because i had pulled my credit report and noticed that Phoenix stated I had an outstanding collection with them for a past medical bill. When I reached out to Phoenix I inquired about the valitity of the debt, and they said based on my name and ssn that it was my debt. Phoenix representative then told me that if I paid off the debt they would provide me with a letter of deletion so that the account would no longer appear on my credit reports with XXXX, XXXX nor XXXX. On XX/XX/18, I made payment to Phoenix for the debt based on their representatives statement that they would send over a letter of deletion within 48 hours but on Wednesday XX/XX/XXXX, I reached out to Phoenix again to ask where the letter of deletion was going to be sent. Their new representative stated that he didn't care what the previous individual stated they would do because they weren't providing the letter of deletion which is the only reason I paid the debt. My calls with both agents were recorded, and they refused to listen to the previous call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: GA
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:
Credit card company is reporting unlaw information on my credit report under fair credit act law 15 us 1681eb. 

The company had also reported card # XXXX as charge off with the IRS in the amount of {$1500.00}. 

The company had also reported card # XXXX XXXX as charge off with the IRS in the amount of {$1400.00}. 

Since the company reported a tax write off, they are required by law to send me a 1099C. 
in which this company refuse to provide me a 1099C. Reporting a canceled debt to you and to the IRS when a lender forgives an outstanding loan I owe, and I'm no longer responsible for paying it. According to the IRS, that canceled debt is taxable income to me and must be reported on my tax return. 
Lenders must issue Form 1099-C when they forgive debts of more than {$600.00}. 

They did not describe in details their firm 's charge-off procedures as they apply under the Sarbanes-Oxy Act of 20022 ( Pub. L 107-204, 116 Stat. 74 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
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:
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 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX Account Name XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX REFERENCE # XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 2021-10-01
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voicemail from XXXX XXXX with XXXX XXXX XXXX ( XXXX ) today regarding a 2002 credit debt. I was informed by XXXX XXXX that I was in danger of being sued in civil court if I did not pay the {$6000.00} debt or in the alternative, pay {$2000.00} as a settlement but in monthly installments of {$290.00}. The woman had the last four of my ssn, my birthdate, my current address, and had also called my mother and father.

I was emailed legal documents to sign via Docusign and this made me suspicious. I shouldve followed my instincts sooner and could kick myself for paying these creeps {$250.00}.

After researching the firm, I discovered that their address leads to a XXXX store in California and this was another red flag. I read other peoples similar experiences and they mirrored mine. I emailed them back to never charge my card again, that I would not be signing any documents, and that I contacted my attorney. Be very cautious with people like this. They will use your personal information and legal threats to get your money.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-16
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2023 I refinanced my home and reached a written settlement with JPMCB Chase Card Services. The account was Settled in Full for {$3800.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' JPMCB Chase Card Services accepted and deposited my {$3800.00} check from the Title Company, marked as Settlement in Full. However, AFTER the payment was received, JPMCB Chase Card Services reported my account as " Charged Off '' with a balance of {$2500.00} on XX/XX/2023. This report has remained every month since XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " Paid '' status, and it is still showing an account balance of {$2500.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). As a result of this " Derogatory '' report and falsely reported " Amount Past Due, '' my credit score has dropped each month since it was falsely reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I was originally on XXXX plan based on my last income certification of XXXX dollars off my XXXX taxes that i certified in XX/XX/XXXX. I am not required to recertify my income at this time. Also my family size is XXXX and has always been XXXX. Me and my dependent son who is XXXX. My REPAYE payment was XXXX. 

The XXXX plan is switched to SAVE. My payment should have dropped to XXXX dollars per month under the SAVE calculation. On XXXX MOHELA refigured my payment to XXXX per month under the new SAVE plan. This amount is incorrect. I talked to them on the phone XXXX and submited complaint emails. The payment they calculated was based on XXXX income and no dependents. 

The problem is they have me having no dependents. They lady on the phone confirmed this and told me it would be fixed and show on my account within three days. This was 8 days ago. With payments resuming soon they need to get my payment amount corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: NJ
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 name is 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 reportsno consent is fraud. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
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:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ILLEGAL AND IMPROPER REPORTING ACTIVITY- REPORTED LATE XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX AND IMPROPER REPORTING ACTIVITY- REPORTING LATE, XXXX, AND CHARGE OFF- ACCOUNT WAS PAID IN FULL SUCCESSFULLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: MO
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 Check my credit report every 30 days and I've noticed XXXX unknown inquires XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX : XX/XX/23 USBank debited my checking account {$5000.00} without my approval. 

XX/XX/23 USBank again debited my checking account another {$5000.00} without my approval. 

STEPS TAKEN TO RESOLVE : XX/XX/23 Contacted USBank via phone. USBank said they would investigate. I was told that it will take until XX/XX/23 for the claim to process, and they would get back to me, or that I should call back again after that. Agent indicated that she had put a block on my account for the amount of {$5000.00} so to preclude another unauthorized debit. I seems she recognized that there was a problem. 

XXXX XXXX XXXX with branch manager and explained the situation. She made a long call to accounting then said to wait a few days for the outcome. 

XX/XX/23 Followed up by phone. No resolution. 

XX/XX/23 Met with branch manager again, after ANOTHER {$5000.00} was debited from my account. She assured me that they would be able to get an accounting of the missing {$10000.00} one way or another. More phone calls to accounting. 

XX/XX/23 Branch manager called and gave me a claim number. Said I should wait XXXX days then they would get back to me, or that I could call them. 

XX/XX/23 After once again not hearing anything from USBank, I called in. The agent said that there was no indication that anything had been done to resolve this issue. She conferred with her supervisor and they tried to get ahold of their adjusters but couldn't make contact. So she sent them an email, and told me to wait another XXXX days, and that they would contact me. Or that I could call them. 

XX/XX/23 No word from USBank. Never received a callback, even though I was told several times to expect one. Spent hours on the phone with their accounting department, every time having to re-explain the problem. I don't think that there is a path to resolution open to me through USBank. 

XX/XX/23 Opening incident with CFPB.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts as follows XXXX XXXX XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX are not accurate. 
15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: MA
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:
I am writing to bring to your attention an issue regarding incorrect information on my credit report, which I reported to XXXX on XX/XX/XXXX. As of this date, I have not received any response or resolution from XXXX. I would like to provide the following details about the inaccurate information and request the necessary corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Status : Not mine ; please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Status : Not mine ; please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: OK
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- Based on these alleged facts, the Complaint asserted a single cause of action for violation of California 's Automobile Sales Finance Act. The Complaint also alleged that XXXX XXXX XXXX was liable for XXXX XXXX 's conduct because it was the assignee of the XXXX XXXX Several XXXX XXXX companies violated consumer protection ... would be waived or forgiven if they accepted certain settlement offers Equifax : n XX/XX/2017, Equifax announced a data breach that exposed the personal information of 147 million people. The company has ...

other Major violations : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies XXXX XXXX XXXX XXXX XXXX inquires : the dealership violated institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] ... information from the consumer report will not be used in violation of any applicable Federal or ... 

XXXX  XXXX XXXX XXXX XXXX is fair debt violation XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX ftc violations XXXX XXXX wife was affected also same above ss last 4 is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: SYNCHRONY FINANCIAL
State: CA
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 had called the credit bureau, XXXX, about there being a hard inquiry that I did not authorize nor have heard about until it showed up in my account. They said I can call the company that I am disputing about to ask if they can send some documentation stating it was a mistake or an error and for me to take that letter and send it through mail to XXXX to have it removed. However, I had called that company and did as such, yet, the company could not find any records of my information. However, the hard inquiry was there since XX/XX/2021 and it is currently XX/XX/2021. The company had told me to recall XXXX and explain what happened and so I did again and they said to write a request through the FTC department or file a police report and send a copy to XXXX 'XXXX  po box with my information so they can remove it after. I am here now and am stressed with going back and forth between the companies and phone calls and would just like it to be handled correctly.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 strongly urge the company to promptly remove the inaccurate account from my records.

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 2023-05-27
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:
I requested a METHOD OF VERIFICATION from Equifax on XX/XX/2023 and a representative stated on a recorded line that I would be provided the requested information in my letter regarding the XXXX and XXXX XXXX account listed on my report that continues to report erroneous and inaccurate information. According to the FCRA, this information should have been sent for my review within 15 days, but now it has passed 30 days and I have not received any of the requested information. This is a violation of my rights as a consumer because I have the right to know this information. I do not just want a copy of my report again without the proper investigation. The accounts are not reporting in accordance with Metro 2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
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: 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 2023-03-08
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: POPULAR BANK
State: OR
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 complaint that XXXX XXXXXXXX XXXX about their reporting will as not correct as to the date of my first late payment seven years ago. The problem is that they corrected that erroneous information by publishing even worse false information : THAT I HAD DECLARED BANKRUPTCY ON XX/XX/2019!!!! WHICH IS ABSOLUTELY FALSE!! Which is a lie! How can they get away with this. Any search of public records will show that this is not true. Obviously they are purposely reporting false information to my harm. Publicly fabricating lies about someone should be illegal and there should be some legal recourse available to me ... or the company can just keep publishing lies and then when I contest it they just publish a new lie!

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