BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt is not in my name, it is in my husbands. I informed Phoenix Financial in the past they need to call him. They called again on XXXX the XXXX and proceeded to give me all of his information on the debt to the Emergency Room. I did not have to give any identifying information. And I do not think that is legal. 

I informed the caller that she needed to call him, and I was told, " Well your number is the first one listed. '' And hung up. It isn't. The debt is in his name!!! 

I am sure they are using this tactic for a lot of married couples, and that is not right. I do not have anything to do with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Provided me with a deceptive pay off amount, and tried to collect more money than the quoted payoff amount. They refuse to work with me, stating in XXXX of 2023, to check back after XX/XX/2023, for a payment arrangement, in XXXX of 2023, contacted Avant and told me to check back after XX/XX/ 2023 for a payment arrangement, stating that they can not provide me with one. I started with a {$300.00} credit limit, and they total balance on the account is currently {$700.00}. They refuse to work with me as the consumer on getting the account resolved. Have asked for a settlement to get account paid and closed and still no help. The account currently continues to negatively affect my credit with fees even though I have tried to every avail to work with Avant in getting the account situated. I told them on numerous occasions the minimum payment they are asking for of almost {$400.00} is out of reach and wanted an arrangement, instead they try to instruct making small payments, which will do nothing to the overall balance of the account as it constantly is collecting late fees and outrageous interest fees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: WI
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:
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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: Spring Oaks Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter of debt collection from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Their reference # XXXX dated XX/XX/2021 received by US Mail on XX/XX/2021. Note their envelope has no postmark or date. I immediately called them on XX/XX/2021 and advised of my intention to dispute and requested validity of the debt, proof of obligation. i was requested to provide my birthdate to which I refused as I had no idea whom was on the other end and possibly provide sensitive personal info to anyone. 

I wrote a letter dated XX/XX/2021 requesting validation of the debt to which to date have no received. I noticed that on XX/XX/2021 this company then placed a collection of my credit bureau reports with all three national credit bureaus. This is a violation of my rights as I have no proof or validity of this obligation, not was any provided by this company as of XX/XX/2021. Please force removal of the collection from my credit bureaus and take action against this firm for violating my rights to dispute since no proof was provided, and the receipt of the notification from this company was not received for in excess of 25 days from date of their notice..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has violated my rights as a consumer pursuant to 15 USC 1681. Under law 15 USC 1681, I have a right to privacy and I did not provide Equifax written permission to furnish my information for the account below and demand that the account be deleted from my credit report. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Im desperately trying to get help with my Care Credit account. I used my Care Credit by Synchrony Bank for a medical procedure. Unfortunately, Covid hit and I lost my income. I called in and worked out a payment arrangement but could not keep it up because I was facing eviction and car repossession. I am now working and want to pay my bill but when I call in, Im told I never had an account. I know this is false because I used it for XXXX. Im frustrated because I want to begin paying my debt. Ive called numerous times and the reps I talk to are not helpful. I get transferred every where and no one will help me. I am begging someone at Care Credit to find my account and work with me to start making monthly payments

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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
They have refused to investigate and remove the unverifiable and inaccurate accounts from my file for over two months.

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: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The lease maturity is XX/XX/XXXX, last payment was due XX/XX/XXXX. I obtained a payoff on XX/XX/XXXX for {$33000.00} good through XX/XX/XXXX. The vehicle was sold and the lease was paid off on XX/XX/XXXX. However between the date of the original payoff quote on XX/XX/XXXX and the actual payoff date of XX/XX/XXXX, XXXX XXXX changed the payoff amount to {$33000.00} with a good through date of XX/XX/XXXX. They claimed the next month 's rent charge had been assessed to the account. When I called to request a refund since 1. the payoff was received well before the good through date of XX/XX/XXXX and 2. before the monthly payment was due they refused to refund me the overage. 

It seems like unfair and deceptive practices that XXXX XXXX XXXX won't honor a payoff quote with a good through date. They know exactly when they access the rent charge so a payoff quote should have a good through date that is before the rent charge is assessed to account for this additional charge, not after. Additionally, a payoff received the month before the rental of that vehicle occurs should not include that charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: TX
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX {$810.00} XX/XX/XXXXXXXX XXXX XXXX {$1400.00} XX/XX/XXXX Charge Off XXXX XXXX XXXXXXXX {$440.00} XX/XX/XXXX Charge Off has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX refugee. 
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 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 explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they were not able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I received in the mail a letter from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that I owed {$9200.00} to them. I responded with a a letter to XXXX on XX/XX/2023 sent with certified mail inquiring as to why they think I owed the debt. I requested XXXX provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the initial creditor, the chain-of-custody of the debt ( i.e. proof of XXXX 's ownership of the debt ), and details about XXXX authority to collect the debt on behalf of the original creditor in my state ( Florida ). XXXX mailed me back a document on XX/XX/2023 with information pertaining to the alleged debt to the original creditor ( the original credit card agreement and a recent credit card statement ). However, the letter did not provide information regarding the chain-of-custody of the debt ( i.e. proof of XXXX purchase of the debt from the original creditor ) nor verification of XXXX authority to collect the debt on behalf of the original creditor in the XXXX of Florida.

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 2022-12-30
Company: U.S. BANCORP
State: MA
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:
I received an email on XX/XX/XXXX from US bank stating that they had received my application for a US Bank shopper cash rewards visa signature card which I never applied for. That same day I received an email from my bank that there had been an inquiry into my credit report. I called US Bank the following day to report this and was told that the specific department I needed wasnt open and to call back. I called back on XX/XX/XXXX and was told that the application would be cancelled and my credit would be restored. Today, XX/XX/XXXX, I received the credit card, which I was told was cancelled. I called US Bank and the first person I spoke to said that the account was under investigation but not cancelled. She escalated me to a supervisor XXXX who assured me that it was cancelled and that I should be receiving a letter confirming this. I have spent hours of time dealing with this and my credit score has suffered. I still do not have written confirmation that this has been settled and I get a different answer from everyone I speak to at US Bank.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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, 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 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 2021-07-07
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a response from NCA via the CFPB consumer complaint portal. Mr. XXXX XXXX XXXX, XXXX. who I presume represents this company, completely ignored my concerns about this company trying to collect on a debt that isn't owed. Mr. XXXX states, " the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. '' Collection suits are generally based on breach of contract or stated account, both of which fall under the six ( 6 ) year statute of limitations provided in Alabama Code Section 6-2-34. 

Inside Alabama Code Title 6. Civil Practice 6-2-34, it states : The following must be commenced within six years : ( 1 ) Actions for any trespass to person or liberty, such as false imprisonment or assault and battery ; ( 2 ) Actions for any trespass to real or personal property ; ( 3 ) Actions for the detention or conversion of personal property ; ( 4 ) Actions founded on promises in writing not under seal ; ( 5 ) Actions for the recovery of money upon a loan, upon a stated or liquidated account or for arrears of rent due upon a parol demise ; I believe statute five ( 5 ) represents this situation most appropriately. 

This agreement, according to documentation provided by NCA was originated on XX/XX/XXXX. An entire 40 days past six ( 6 ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: UT
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 disputed the information with all 3 credit agencies, Experian, XXXX, XXXX XXXX. about an account that was being reported negatively. A XXXX XXXX XXXX XXXX. They are reporting it as late, when it has been paid off. in accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 604 ( b ) section 2. It also states a consumer reporting agency can not furnish an account without my written consent. Which i never gave them. The creditor and consumer reporting agencies are violating code 15 USC 1681i ( 5 ) treatment of of inaccurate information.

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 2021-07-07
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
On or around XX/XX/XXXX I noticed Wells Fargo was on my credit report I know thats account was cleared however XXXX  and XXXX  has it as a derogatory account. It took me three days to dig up this exhibit # 1 to prove wells fargonis full of XXXX and have committed fraud by falsely reporting inaccurate information. Attached you will see a refund the account was closed XX/XX/XXXX and yet its till being reporting why? Because Wells Fargo is a fraud and they do crooked XXXX to original creditors/consumers. 
The law states that and communication means conveying information regarding debt directly or indirectly to any person through any medium wells fargo is in violation of 15 usc 1692a also in violation of 15 usc 1692 c because I sent a cease and desist. Im addition I was violated because they submitted inaccurate information misleading information under the law 15 usc 1692e and 15 usc 1692f unfair practices you ruined my reputation by reporting inaccurate information for 2 years Whats XXXX me off is that Wells Fargo would have gotten away with fraud if I didnt find this document so Im demanding this be removed immediately XXXX  and XXXX  did no investigation when I spoke to a representative they told me it was correct no results from the dispute I submitted its a joke they have also violated my consumer rights they did not address my concerns I had to dig deep for three days to find proof and submit exhibits they do a half XXXX XXXX no investigation and if they did and investigation show me proofed XXXX you found follow the law laws listed above this needs to be removed 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 non-monetary relief
Consumer complaint received 2020-07-06
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/XXXX I notified my Mortgage holder that the Property address on my Mortgage Statement was incorrect. I've been corresponding with them ongoing concerning the correction that's needed. They went back & fourth for months through XXXX changing the mailing address! Finally they realized after much paperwork, it was the property address & also the Deed of Trust was written & documented wrong! XXXX XXXX & now it's XXXX I'm still getting the run around. 

XX/XX/2020 they sent me a generated letter after my writing a long letter to them about my concerns of why this correction is taking so long. I've sent them documented proof from XXXX County, the tax statement which has the property address on it & still this generated letter states there reviewing it. 

I'm so frustrated with this can you please help me? 

Thanks

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