BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PHOENIX FINANCIAL SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PHOENIX FINANCIAL SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationPHOENIX FINANCIAL SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PHOENIX FINANCIAL SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PHOENIX FINANCIAL SERVICE has not even tried to contact me regarding this Fraudulent collection account.  Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
There is an unverifiable account on my report. I've submitted 2 rounds of certified, and notarized dispute letters and they state the account is verifiable but have not submitted the proof. Its been over 30 days Since XX/XX/2021 since my second round of dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: GA
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:
To Whom It May Concern, XXXX XXXX has a paid collection that appears on my credit report. I have tried to get this account removed several times and I can't understand why the company has all this power to damange my credit and I have no power to correct it? Why is their word superior to mine? I paid this account before it was a collection ... yet it still shows on my report as a paid collection and that is not right! Why can't I get this fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please remove inquiry from XXXX on my credit report. I have attached a letter from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt was added to my credit report from LVNV FUNDING LLC, upon calling LVNV collection to validate the debt, I was told they cant validate the debt, I ask that this debt get deleted from my credit report, for the failure to provide proper validatiion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Yet again TransUnion has erroneously done something to my credit report. Last month I complained about a company, XXXX XXXX, in which they have removed from my file but not completely. There is still an inquiry of some kind that says XXXX. This is a set up for them to place this company back on my file later. Also, once they removed XXXX XXXX, they did a couple other acts which make my report erroneous, untrue, unverified, and false. I've attached pics. 
1st, TransUnion added a fake address to my file. They then added a phone number and another inquiry that I don't know what it is, XXXX XXXX XXXX. 
2nd, TransUnion has removed a positive credit card from my file which has now dropped my score, XXXX XXXX Credit Card. This is unacceptable. How can they remove a positive reporting card off of my credit file? That just hurt me. All because they are in cahoots with that XXXX XXXX company in which the CFPB is investigating for fraud anyway.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
These are unauthorized inquiries. It annoys me and gives me a lot of XXXX whenever I see them on my report. This causes me a lot of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-06-27
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I returned my leased XXXX XXXX  XXXX  to XXXX XXXX  at the end of XX/XX/XXXX. The final lease payment had been made on XX/XX/XXXX. My lease stated that I may owe an end of lease amount upon return of the vehicle. I asked three different people at the dealership, including the manager, if I owed any money as I was prepared to pay it that day. They all told me that nothing further was owed. In XX/XX/XXXX, four months after return of the vehicle, I received a bill from Hyundai Financial  in the amount of {$460.00}. I returned the statement with a note to contact XXXX XXXX  as they had told me that I didnt owe anything. I received another bill in XX/XX/XXXX. I again returned it with a note to contact the dealership. In XX/XX/XXXX I was notified by my credit monitoring company that my XXXX credit score had decreased by almost 200 points because of a report of a late payment by Hyundai Finance. I have called Hyundai on multiple occasions and was told to file a written dispute, which I immediately did. The Dispute Resolution Department does not take phone calls. I also filed a dispute with all three credit bureaus. I received a form letter from a Hyundai stating that my inquiry is complete and that if appropriate I would see a change in my credit score, which Has not changed since the 200 point drop. I dont understand how a company can bill me 4 months late and then report an invalid debt to the credit bureaus. I have had perfect credit for my entire life, I have never once had a late or missed payment. One erroneous entry from Hyundai has taken my score from excellent to fair. Noonefrom Hyundai Finance, XXXX XXXX  or the credit bureaus will speak with me. How do I get this resolved?

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 2018-12-27
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IC Systems contacted me about a debt for {$380.00} that I don't owe. They call me from spoofed numbers in order to get me to pay for a debt I don't owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/2016, I was electrocuted in an accident which caused me to be medically unable to work until a few months ago. As a result of this I have been forced to declare bankruptcy. 
For that purpose I retained Attorney XXXX XXXX of XXXX XXXX, WA, XXXX. Attorney XXXX still represents me. 

During that time I was contacted by Pioneer Credit Recovery of XXXX XXXX XXXX, XXXX NY XXXX regarding my student loan. 
I informed them of my attorney 's contact info, and asked that they direct all communication through him as required by law, until my bankruptcy proceeding was completed. I would then make arrangements to resume payments on my student loan once working again. 
Despite being given this information, Pioneer has not only refused to contact my attorney, they have continued collection activity by continually calling me, my family members and threatening further action. 

As you know, under the FDCPA, all collection activity must cease during a bankruptcy proceeding. Pioneer has refused to abide by the law. 
Under The FDCPA, a company is required to send to me in writing all information relating to the reasons and amounts they are trying to collect. 
Despite having been over a month since their first contact of me and having my correct address, they have refused to do so. 

Furthermore, under R.C.W RCW 19.16.430 ViolationsOperating agency without a licensePenaltyReturn of fees or compensation.

( 1 ) Any person who knowingly operates as a collection agency or out-of-state collection agency without a license or knowingly aids and abets such violation is punishable by a fine not exceeding five hundred dollars or by imprisonment not exceeding one year or both. 
I have repeatedly asked Pioneer for proof they are licensed and bonded in the state of Washington to collect a debt as required by law, but they refuse to provide me this information. 

This is my last attempt, in good faith, to ask Pioneer Credit Recovery to follow federal and state law and cease all collection activity until my bankruptcy proceeding is complete, and direct communication through my attorney, whose contact information they have. 
At that time I will make arrangements with them for rehabilitation of my student loan debt. 
I am filing complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, the both the NY and WA State Attorneys General. 
IT is illegal to circumvent the bankruptcy laws of Washington State and the FDCPA. I am requesting that Pioneer follow the law.

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 2020-06-27
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 status incorrect

Complaint:
INACCURATE INFORMATION ON CREDIT REPORT. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL {$1200.00}. THIS IS FTC VIOLATION

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 2020-06-27
Company: EQUIFAX, 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 status incorrect

Complaint:
INACCURATE INFORMATION ON CREDIT REPORT. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL {$1200.00}. THIS IS FTC VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
INACCURATE INFORMATION ON CREDIT REPORT. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL {$1200.00}. THIS IS FTC VIOLATION

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 2019-10-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I defaulted on a Navy Federal Credit Card. I had been unemployed with no funds to pay. Finally got a job, catching up on household bills and kids needs. Navy federal took my paycheck of {$1700.00}. I was aware that I defaulted but never was told that they could take a huge check in that amount. I pleaded with them to reverse my pay check because they were leaving me with no money for food or gas. They refused to reverse it but said I could set up future payments. I explained to him I was trying o get on my feet and that I would set up a payment but to please reverse the funds.He refused. I think customers should be aware of this clause because I wasnt until after they took my pay check. Who gives them the authority to take a whole paycheck, they should not be able to take over a certain amount because they havent even sued me. No judge gave them authority to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
There are several accounts that is reporting inaccurate late reportings on my credit file. The following accounts are reporting inaccurate lates : I was never 30, 60 or 90 days late on the following accounts : XXXX/XXXX XXXX XXXX XXXXXXXX  - Open date XX/XX/XXXX XXXX XXXX - Open date XX/XX/XXXX The following accounts is not mine : 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 2018-12-27
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am requesting documents concerning this collection account. Please provide all copies of documents you hold on file concerning this account according to the FCRA 15 U.S.C 1681. I would like copies of all statements and accounting documents concerning this account. 
Please also provide documents that show that XXXX XXXX XXXX owns the rights to service the debt they have sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 had filed a complaint about an inaccurate " late payment '' reported on my credit report. TransUnion had fixed the issue, but this has re-appeared on my credit report. Here is the transcript of their response to the first complaint where they acknowledged the mistake and removed it. 

" We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX, we initiated an investigation with XXXX # XXXX and they verified the information as accurate. However, after reviewing the activity on your file, along with the information in our data base, we have removed the XX/XX/2019 late payment from XXXX # XXXX. In order to protect your privacy, we will mail an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX  XXXX XXXX  ET. Please visit https : //www.transunion.com/XXXX for frequently asked questions about your 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 2020-08-20
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Per my XXXX  report it states that the loan was opened on XXXX of XXXX  ; I'm not sure how someone was able to make a copy of my driver 's license ; get a loan under my name as well as sign for a loan. I've tried calling the company in the past as well as disputing the inaccurate information on my credit report and the company done nothing to investigate it. According to the credit report the amount of the loan was {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
There are several accounts that is reporting inaccurate late reportings on my credit file. The following accounts are reporting inaccurate lates : I was never 30, 60 or 90 days late on the following accounts : XXXX/XXXX XXXX XXXX XXXX - Open date XX/XX/XXXX XXXX XXXXXXXX  - Open date XX/XX/XXXX The following accounts is not mine : 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