BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had my medical debt taken care of last year. I have had medical insurance now through social security since XXXX of XXXX. All my medical bills are covered by my insurance. When I lived in XXXX  I was able to receive medical coverage when I was in the hospital and had coverage until I moved to XXXX XXXX in the fall of XXXX. I just received info that I have medical debt from a Phoenix Financial services. It is not stating where or when the debt. It has brought my credit down over a XXXX points. There are three separate collections. Two for the same amount and then the 3rd one is a different amount. I don't understand how it can be wiped and then completely different debt is put on my credit report. The debt they are stating I owe is not the same as the ones I had two years ago. 

After researching the company it seems I am not the only one with this issue with medical debt on their account that doesn't belong to them. 

I can be reached best by email. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have contacted TransUnion several times first by requests ting validation, then disputing and lastly I requested an investigation. My complaints have been ignored and n if there was an investigation it was not conducted corrected. There are incorrect addresses, charged off accounts showing balances and late payments. I have brought this to their attention numerous times. I have included a copy of the last letter I sent a week ago as well

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 2021-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX is reporting a 30 day missed payment on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

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 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX POSTING NEGATIVE INFORMATION ON MY CREDIT REPORT. 

These Companies Listed in ( Exhibit C ) of my ( Affidavit of Demand for Debt Validation and Records Correction ) ( Attached ) have reported invalidated information to any or all of the 3 major Credit Bureaus XXXX XXXX, XXXX or Transunion ) which constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by these companies I will not hesitate in bringing legal action against you with FTC as well as any other relevant agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Affidavit of Demand for Debt Validation and Records Correction

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 2023-01-16
Company: Experian Information Solutions 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:
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 the 15 USC 1681. 

Account Name- XXXX Acct # XXXX XXXX XXXX XXXX Acct name- XXXX Acct # XXXX 15 U.S.C1681 section 602 A. states that I have the right to privacy.

15 U.S.C section 602 A. It states a comsumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer reports containing any of the following items of any information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2019-01-25
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I cosigned with my daughter-in-law for a car loan through XXXX XXXX XXXX in Arizona in the summer of XXXX. My now my ex-daughter-in-law will not take financial responsibility or even sign off on a voluntary transfer ( although I know her work address in Michigan where a process server could find her ). XXXX XXXX XXXX   informed me that abandonment could be completed to accomplish removing the vehicle from my debt, so I requested to process an abandonment on XX/XX/XXXX. At that time, I reminded XXXX XXXX XXXX that I had already updated the vehicle location with them when I dropped the vehicle off in mid-XXXX at the dealership in XXXX where it was originally purchased. The dealership provided me the courtesy of dropping the car off there, since I explained to them that I was selling my Arizona home in two days and was leaving the state. The dealership is located in XXXX, AZ. 

I am looking for a document to prove that I have surrendered and or abandoned the XXXX, but when I called XXXX XXXX XXXX today ( XXXX ), they told me that they do not know the whereabouts of the car and the case is closed! 

XXXX XXXX XXXX provided me with the vendors number ( XXXX XXXX XXXX at XXXX ) to pick up the vehicle, but XXXX XXXX said that the vehicle was not at the address, and they received a cancellation order. 

XXXX XXXX XXXX denies knowledge of the whereabouts of the car, although the Hyundai dealership informed the XXXX Police that a repossession tow occurred. 

The Town of XXXX Police Report is XXXX and the officer in charge can be reached at XXXX. I am also making a report to the AZ Attorney General, because failure of XXXX XXXX XXXX to protect their collateral once informed of the vehicle 's location at the dealership has resulted in a misplaced vehicle. I am unsure if the vehicle is lost due to error fraud, but a misplaced car could be used in criminal activity, especially as close as Arizona is to XXXX. 

I understood I would receive a XXXX for cancellation of debt income in the full amount of the unpaid loan, but now that the car is lost, XXXX XXXX XXXX has lost the opportunity to sell the car at auction to remedy their ability to collect on the loan which affects consumer finance. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 never got a loan from XXXX XXXX XXXX  i never went to school in the usa so no need to get a loan XXXX XXXX XXXX is reporting incorrect and wrong information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX was stolen and hacked with Discover credit card loaded to XXXX wallet XXXX Late Morning : Authorized user ( mother ) notified of declined purchase at XXXX. Immediately called Discover to report fraud and file dispute. 
XX/XX/XXXX : Notified dispute was not accepted despite taking immediate action against fraud and called Discover support to which they justified their investigation through verification of card payment through phone number of stolen phone. Reappeal process has been filed but want to let CFPB know that Discover is trying to hold me liable for unauthorized fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: American Credit Acceptance, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I the consumer and natural purse on was denied credit by XXXX XXXX XXXX XXXX and American Credit Acceptance LLC when I applied for a XXXX XXXX XXXX XXXX. I would like to address the Adverse Action against a consumer is against the LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C 1961k. They are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Credit Acceptance LLC due to the response I received. 

Both XXXX XXXX XXXX XXXX and American Credit Acceptance is in violation of 15 U.S Code 1642, U.S.C 681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. Further more because I extended my ssn and received no benefits and Wrongly denied credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am XXXX and my loans have been discharged but the problem is that this particular loan is consolidated with my husband and my portion is paid off. However, Navient has still continued to send the statements in my name and rack up fees, and I have called them and told them the situation. I can not take my name off the account. I have contacted Federal Student loans and they have ignored me ; I have contacted XXXX. My credit is tanking. I have tried to set up a payment plan to pay it but I need my husband 's cooperation and we need to be on the call at the same time. Please help me get Navient to stop sending me bills in my Name. My husband is in deferment so we should not be getting a bill anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 Code 1681b 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 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraud was reported XXXX XXXX to US Bank for multiple charges totaling approximately {$3000.00} on my U.S. Bank credit card. Several charges have already been issued provisional credit by US Bank. However, additional fraud charges that have not been addressed remain. These charges are for $ XXXXrestaurant, $ XXXXXXXX XXXX, $ XXXX XXXX I have discussed these remaining fraudulent charges multiple times with US bank representatives in the fraud services, area, and always been assured that the charges will be reversed. As of today, XX/XX/XXXX, the above charges have not been reversed. Since these charges are a result of negligence on the part of US bank, I would like them reversed, as soon as possible, and not just reassurances that the charges will be reversed. I have a very limited buying profile and these charges are widely outside of that, both in purchase type and geographical area. It is obvious to me that no one was practicing. Know Your Customer when reviewing these charges for processing. 

I appreciate all your assistance, and please feel free to reach out to me for any additional information that may be needed to resolve this case.

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 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 am a Fraud victim and I have multiple Discrepancies on my credit profile.I have been disputing XXXXXXXX XXXX for years Now. I have no knowledge of this {$3300.00} account. I offered to pay it off for removal of my credit but they wont agree to it. This fraudulent item in my account is hurting me from becoming a officer of the law. I have a fraudulent freeze on my credit because my social security number has been compromised. Is there anyway I can please have my credit file revised. I also have a late payment recorded from XXXX XXXX that was a mistake on their end. I have reached out to them multiple times to correct this but they will not grant a goodwill adjustment. If my file was looked at in 5 years I have never missed one payment except the one XXXX has mistaking lot recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During Covid pandemic I became XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX in XXXX, PA at the time in XX/XX/XXXX during Covid 19 that caused all business to shut down. However my XXXX  as a XXXX XXXX  for a XXXX that must remain open due to being an essential Business I was required to work throughout the entire Covid 19 pandemic and service customers. I XXXX XXXX XXXX XXXX XXXX XXXX and my Employer health insurance did provide some coverage for my Medical bills for the XXXX XXXX XXXX XXXX  but I had a large Deductible for the amount of {$5200.00} and also another for {$420.00}. Since then I have had major health complications during XXXX while having to work and had XXXX XXXX its that have put financial stress and mental stress with my and my family. We were also scammed by a I was repeatedly called from their billing department after I gave XXXX and harassed to make the full payment without them ever sharing they had any Financial assistance to help with the cost or didnt even negotiate the cost. I was denied and They threatened to sent the bill to collections and I asked if they could please help me with a payment plan. I did consent to a payment plan of {$25.00} a month as I could not afford the payments due to having to return to work and I had to pay Daycare costs including living expenses and bills. I also was involved in a accident when I returned to work when a driver ran into my car and Totaled my vehicle and because this I also needed to purchase a car so that I was able to work. The XXXX XXXX did not notify me that my payment plan stopped and they then took action without contacting me or my bank as to why they did not receive payment for a agreement I consented to and agreed to pay and I never consented to stop the payment. On XX/XX/XXXX I received a alert from my credit reporting service that I had 2 accounts from a collections agency called Medical Data Systems that were hired by XXXX XXXX  to collect a debt I agreed to pay monthly. I pleaded with the collection agency to please not due this as my employment career would be at risk as I work for a XXXX I also pleaded with XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: VW Credit
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car and signed a loan with VW Credit at the end of XX/XX/XXXX. The term of the loan was 60 months. I planned on paying off a large chunk of it right away to reduce principal, and make larger than normal payments to get the entire thing paid off in a couple of years. I had the finance person at the dealership verify that this was acceptable to the terms of the loan and he told me all I had to do was go online and submit a large payment through their portal ( https : //www.vwcredit.com/Authentication/Login ). 

I did this, and thought that was all I needed to do. After making several more large {$1000.00} payments in the next few months, around XX/XX/XXXX I realized something was off with my bills. Every month it said {$0.00} owed and the next payment wasn't due until XX/XX/XXXX! What's going on? After some investigation, it looked like XXXX was taking my money and putting it in some hidden account I don't have access to, and paying my regular monthly payment into it ... So I have thousands of my own dollars that can't be applied to principal and can't be withdrawn or used. I called XXXX support in XX/XX/XXXX, again in XX/XX/XXXX, and again in XX/XX/XXXX. All 3 times they said they would fix it for me. On one occasion they told me they would call me back the next day just to make sure I was okay with the result. I never received a call.

I just received my most recent bill and nothing has been changed. At this point I'm going to have thousands of dollars of extra interest.

None of the payments I have made have gone to principal. They have all gone to some phantom account I don't have access to. Despite the terms of the loan agreement *and* the finance manager at the dealership telling me otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NC
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:
This is my MULTIPLE request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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

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