BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Phoenix Financial Service, for committing identity theft. I have never given Phoenix Financial Service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from Phoenix Financial Service, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Phoenix Financial Service, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I have not validated any alleged debt with Phoenix Financial Service and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Phoenix Financial Service any right to collect on this alleged debt. 
I am legally refusing to pay this debt pursuant to 1692XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Phoenix Financial Service, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Phoenix Financial Service, continues its collection efforts, I will file for litigation for actual damages caused and Phoenix Financial Service, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: CA
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 reached out to remove XXXX XXXX from my credit report since I reached out to XXXX XXXX and they have not provided any debt validation for this debt. If they can not provide the CFPB a contract that I have signed with XXXX XXXX then I would like this item removed from my credit profile. 

The name of this company is incorrect as on my equifax report it's stating that the name of the company is " WESTERN HOLDINGS GROUP '' But the name of the company is XXXX XXXX. This is a clear violation of section 609 for providing inaccurate information on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report shows a collection for a telphone bill of {$770.00} that is not mine. The creditor, on whose behalf the collection agency claims I owe money, states I do not have any unpaid invoices or that they have sent an invoice to a collections agency. The credit reporting agency has not investigated properly. They simply have asked the collection firm to confirm I owe the money. In the meantime, y credit score has gone down over 50 points.

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 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: WA
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:
Names, addresses, phone numbers and 11accounts falsely reported on my account with XXXX they need to be removed ASAP

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 2023-08-02
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: Reporting company used your report improperly

Complaint:
When I made the decision to use my rights under FCRA, it was with the intent of fighting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: WA
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. 

Account name : 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 XXXX 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 2022-10-30
Company: EQUIFAX, INC.
State: PA
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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years.

15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
Company: CARD Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX, I filed a claim for {$800.00} regarding an ATM error. I filled out the claim forms and sent it back promptly on XX/XX/XXXX. I then called Card.com to inform them that I uploaded the documents online and they said they received it and that I would receive a provisional credit on or before XX/XX/XXXX. I waited until then and nothing happened. I called Card.com on XX/XX/XXXX to inquire about my provisional credit. I was told my claim would be escaladed within 24-48 business hours. I called again on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ; XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and was told the same thing each time I called : your claim will be escaladed and you should receive an update or a provisional credit, which never happened! Then, I noticed on XX/XX/XXXX that my online access and card was restricted. I called and was told that my account was blocked due to fraud and I wouldn't able to receive direct deposit ( I get paid on this card every Friday by the way ), and my card was blocked. I was asked to send pictures of the following via e-mail to verify my identity : Social Security Card, State ID, and utility bill. I sent those documents on XX/XX/XXXX. The representative said it would take 24-48 hours to process and subsequently remove the block. That never happend. First my card was blocked, then my entire account. I never received an explanation behind why my account was blocked from in the first place ; I never filed a fraud claim! Anyway, my direct deposit was blocked like they said they would, and my account is literally inactive. I rely heavily on this card, because I get paid weekly on it and my stimulus check is suppose to be deposited on this card too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
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:
Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Charge-Off Account, Account Number : XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute the charge-off on my credit report for the account with the number XXXX, as reported by Commonwealth Financial. I believe this charge-off is in violation of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ).

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), creditors are required to report accurate and complete information to credit reporting agencies. In my case, I contend that the charge-off reported by Commonwealth Financial is inaccurate and incomplete. 

I kindly request that you investigate this matter promptly and provide me with documentation verifying the validity of the charge-off. Specifically, I would like you to provide the following : 1. A complete account history and transaction log for account number XXXX. 
2. Any documentation proving that the debt in question is valid and legally owed by me.

3. Evidence that all required notices and disclosures were provided in accordance with applicable laws and regulations. 

I am committed to resolving this matter promptly and am willing to cooperate fully to ensure its resolution. I believe that a fair and accurate representation of my credit history is vital for my financial well-being. 

Please acknowledge the receipt of this dispute letter within 30 days, as required by law, and inform me of your progress in investigating and rectifying this matter. Failure to comply with these legal obligations XXXX result in further action on my part.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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.

Pursuit of 18 USC 8, i owe no debt. These companies below are violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4. 



XXXX XXXX XXXX Original creditor : XXXX XXXX {$570.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$320.00} XXXX XXXX XXXX Original creditor : AT T {$2700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$510.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX {$1500.00}

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 non-monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: AL
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 XXXX Account # 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

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 2020-02-27
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank can not supply reconciliation and full accounting of construction loan funding and funds left to date as part of residential remodel project. Construction loan was obtained in XXXX ( previous complaint filed in that instance ), and construction loan was rolled into traditional mortgage in XX/XX/2019.  Funds disbursement throughout construction was handled through Granite fund control. Funding has been significantly delayed throughout the project due to mismanagement of paperwork by both US Bank and XXXX. As we get deeper into the project, and closer to finalizing they have been unable to provide any accounting of the job. They are withholding funds we are currently paying interest on as part of our personal mortgage. We are also due personal reimbursement for funds outlayed as part of construction and have not been repaid, nor have some of the subcontractors working on the job. 

Happy to provide email back-up of all correspondence in which the bank says they are " working on it ''. In our latest round it has been 1 week since we asked for full accounting and reconciliation of the job financials and they have been unable to account for the money. The job is now at a standstill as sub contractors can not proceed with additional work until there is payment. We continue to pay our full mortgage amount ( which includes interest and the outstanding loan amount ) with no reimbursement.

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 2023-07-17
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had numerous medical procedures with XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, Georgia, now doing business as XXXX XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I am insured, and my insurance has paid every bill submitted by the provider. On XX/XX/2023, I had a procedure that was billed to insurance in the amount of {$17000.00}. XXXX XXXX XXXX XXXX XXXX has negotiated discounts with this provider, and the amount discounted was {$14000.00}. On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX paid XXXX XXXX the amount of {$2300.00}, leaving a XXXX balance, as confirmed by the Credence Explanation of Benefits. Notwithstanding the payment in full, and after hundreds of harassing calls by the vein clinic where numerous times they acknowledged payment and that it was an accounting error by their billing department ( as recently as today ), XXXX XXXX has now referred this claim over to a collection agency, without even sending any notice or documentation at all since XXXX of this year. I provided a written email to the billing address attaching the Explanation of Benefits and documenting XXXX XXXX representatives harassing behavior and never received any response beyond a note that it was under review. I have provided the EOB several times in writing. XXXX XXXX XXXX XXXX XXXX has held numerous phone calls with XXXX XXXX where XXXX XXXX has confirmed no amounts are owed by me, but XXXX Vein nonetheless has continued to pursue this baseless claim. On numerous occasions I have called to attempt to resolve the matter, and am always told it will need to go to a supervisor, but it never gets resolved. I have an email from XXXX of their representatives on XX/XX/2023 stating that They have detected the main XXXX issue and their [ sic ] now sending it to XXXX XXXX to review, this [ sic ] are the notes. Account was Adjusted incorrectly by XXXX, resent account to Upper Management to Resolve Issue and Adjust Account. But the calls continued. Their agents have been threatening at times, including to a Credence representative who documented the behavior. I am at a loss to get them to stop harassing me and withdraw the claim, and am afraid this baseless claim will negatively impact my 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 2022-05-23
Company: Experian Information Solutions Inc.
State: NC
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  Account # XXXX, also known as XXXX AND XXXX, has violated my rights following the Fair Credit Reporting act. 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 : A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 non-monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: MD
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 NOT RECEIVED ANY HELP AFTER MULTIPLE REQUESTS FOR ASSISTANCE REMOVING THE FRAUDULENT ACCOUNTS FROM MY FILE.

Company response to consumer: Closed with explanation