BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under Phoenix Financial Services. I requested a validation on XX/XX/XXXX as this medical account has been paid for by XXXX. Credit report was reviewed again on XX/XX/XXXX and a 2nd validation letter was sent to the agency and attempts to call and provide XXXX  information again was made but unsuccessful. On XX/XX/XXXX credit report was pulled again and the account is still reflecting on my report despite multiple attempts to clear the discrepancy and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by my insurance and that all information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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
Consumer complaint received 2020-07-08
Company: Global Lending Services LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the company several times on XX/XX/XXXX and XX/XX/XXXX and didn't get any results. On XX/XX/XXXX I spoke with a representative he could not find anything in their system. So he told me call back on XX/XX/XXXX to speak to someone in another department which I did and she informed me that she could not find anything in the repo data system. She advised me to dispute it with the credit agency and they received the dispute and they will remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I leased a XXXX XXXX XXXX XXXX at XXXX in XXXX New Jersey on XX/XX/2016. I signed a lease contract with Chrysler Capital for a thirty-nine month term. The auto lease contract was incorrectly stated on my credit report as a three month lease and the lien holder information was incorrect as well. I submitted a copy of my auto lease contract to XXXX, XXXX and XXXX ; with no resolution. 
I am attaching a copy of my auto lease that I signed with Chrysler Capital along with a copy of my credit report. The information furnished on my credit report does not match the payment terms indicated on the signed lease contract. Please remove the incorrect information on my credit report. The account is in a charge-off status due to clerical errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX has violated my rights. Or 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 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 2021-06-05
Company: EQUIFAX, INC.
State: SC
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:
I XXXX XXXX XXXX SOCIAL SECURITY # : XXXX ) the natural person did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. I already filled out a FTC report # XXXX, # XXXX, which is attached. My identity was stolen and fraudulent accounts were applied for in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws., I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. I sent the credit Bureaus a letter on XX/XX/2021 stating that these accounts were fraudulent, and they were supposed to remove it after 4 days. it is now XX/XX/2021 and these items are still on my credit report. This is illegal for them still report this against the FCRA Laws. I feel like my Consumer rights are violated and I hope the CFPB will take action.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: The CBE Group, 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:
CBE Group is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt on my credit fie. I was not in the hospital at this time and there is no way that this debt is mine. I think that my uncle has stolen my identity. I also never received a phone call, collection notice or letter which is in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hi I am filing a complaint for Hunter 's Warfield inc. This company has depressed me to death as i do suffer through XXXX XXXX, Hunters warfield keep harassing me, calling my family, friends, and job threatening me wrongfully to pay them {$1800.00} that that cant show proof of original document of I even sent out a validation letter and never gotten a response from them after they harrassed me for 3 months straight. They even keep playing with my credit report first they say I owe {$550.00} and then they say I owe {$1800.00} and then they update by decreasing {$1.00} now {$1800.00} but they don't want to respond to my letter i sent them to show original proof under section 609. These guys are causing me emotional distress and playing with my report, job, and messing with all my friends and family by harassing me saying there going to show up at my home and have me arrested for an owed debt they cant prove originally. This isn't fair or right this is a violation under FCRA and must be remove from all my bureas. 

Thank you Cfpb for helping were glad that you are here to help in situations like this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I disputed a transaction in which Bank of America told me that I would receive a temporary credit. 15 calls over 1 week period and no credit. I called the merchant and spoke to several people and they finally agreed to give me my funds back. Now Bank of America is holding said funds from me and wont release them. I call both customer service and the claims department and they could care less. They say that there is nothing that can be done and pass me off to the next person. There is no true customer service here. Now I am sitting at home missing work because they wont release my funds.

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 monetary relief
Consumer complaint received 2017-09-19
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello my name is XXXX XXXX we have a loan with caliber home loans we receive a letter about our r home that we were advised that we were 10 months behind we made every payment we have proof of all payments me and every payment was made we are now losing our home it 's been very embarrassing people coming over asking to buy her home I had to quit my job my housben works in New York and ihave stayed home to figure out what exactly is going on because I could not focus on my job please help us figure out what we need to be done we have payments every bank statements of every payment that 's been done my number is XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: EQUIFAX, INC.
State: NC
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, After checking my credit report. and learning I had a charge off on my credit report from XXXX XXXX I sent them a account validation letter. On XX/XX/2017 I sent XXXX finance in XXXX, MD the debt validation letter concerning the charge off on my credit report. I asked for a validation of this debt. I wanted them to send me a copy of the original signed contract. On XX/XX/2017 they sent me a letter stating they have reviewed their records and determined the information reported to the credit reporting agency was correct. They did not provide me with a copy of the contract as the law requires. I have attached a copy of the letter they sent me. This is not a validation of a debt. I also disputed the information on my credit report with XXXX, XXXX  and Equifax but the credit dispute has not removed the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am filling this complain because HSBC disqualified me from earning a checking account bonus due to the fact that I have an existing credit card account with the bank. However, the terms and conditions included regarding opening the checking account and earning a {$200.00} bonus specifically mention that customers can not have a consumer deposit or investment account prior to opening the checking account for a specified period of time. It's disappointing that the person who handled my response " XXXX '' who has a senior position can't tell the difference between a deposit account and a lending account. The first one is an account where customers deposit money and the second one a product where customer have a specified line of credit. 

I don't accept HSBC 's disqualifying me from an offer that I am clearly eligible for since I never had a deposit ( checking, savings ) account or an investment account with the bank before applying for my existing checking account and a credit card account is definitely not a deposit account. 

The terms and conditions didn't disqualify people based on previously having " Any type of account ''. They specifically mentioned Deposit or Investment account which I never had before.

I urge HSBC to honor the terms and conditions stated in the original offer and credit my checking account with {$200.00} bonus.

If HSBC senior employees can't tell the difference between deposit products and lending products then the best course of action would be to move my funds to a different bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: FL
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:
hard inquires that I do not recognize on my XXXX and Equifax credit reports. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
According to 15 USC 1681. 
I DEMAND THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT THE INFORMATION LAST PAYMENT DATE IS DIFFERENT ON EACH CREDIT REPORT ( EQUIFAX ) ( XXXX ) ( XXXX ) BY LAW ALL INFORMATION HAS TO BE 100 % ACCURATE XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Southwest Credit Systems, L.P.
State: LA
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 am disputing information being listed on my credit report. I spoke with XXXX at XXXX XXXX XXXX XXXX about an account being listed as my insurance company collected the money from my HSA account and paid the hospital directly. I spoke to someone about the account with southwest Collection and informed them that my Insurance company has been contacted and will pay the facility directly. They listed it on my credit report stating I owed them for the medial bill in which I did not OWE them I had my insurance company create and pay the bill through their medical system. 

I then seen the information listed on my credit as " Unpaid " and now " Paid " 1. I did not pay Southwest collections company .My insurance handled the billing.

2. I informed them that I did not owe them and they need to stop reporting as it is illegal to report false information on my credit report.

3. They should NOT own this debt as when I emailed XXXX at XXXX XXXX XXXX XXXX she indicated that she will be having someone reach out to the collector and tell them they can't collect or own the debt any longer. 

I sent several emails to the collections agency in which they responded to none of my emails or letters sent. I also copied them in on the letters I sent to XXXX XXXX indicated the account will be recalled from their agency. I again di not pay them so I want this collection off my record. My insurance took care of the money in which I communicated with them and XXXX from the beginning. That XXXX must have miss communications and when they finally settled it they should not be reporting. If you say I owed you money send me a signed contract I have with this collection firm if not REMOVE THE CREDIT LINE FROM MY ACCOUNT. send me a SIGNED contract with my name on it. I am also sending a verification letter to the CB as well for documentation on this account and to see what all is being listed. I will not let people damage my credit reputation due to miscommunication from companies in which I clearly indicated I did not owe any thing to and a contract can not be provided according to the FCRA 611

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have applied for a mortgage to refinance my current balloon 1 year loan which is due XX/XX/XXXX. My new loan is ready to close and my lender is unable to obtain a payoff demand from the current Service company XXXX XXXX XXXX. My loan # is XXXX, on XX/XX/XXXX I signed a borrowers authorization to release the payoff and it was sent to FCI on 3 different dates, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and again today XX/XX/XXXX at XXXX. When my lender called they said title tried to order, and they have my lenders request but the name on the borrowers authorization is not correct so they wont allow the request. They are having them send a 4th request and said it would take another 7 days to process. My lenders legal name is on the authorization that I signed, XXXX XXXX XXXX, I need them to release it to my lender ASAP so I do not lose my locked interest rate. I keep getting calls from XXXX hounding me to do the loan with them ( XXXX has FCI service the loan for them ). and feel this is why they are delaying and possibly putting me in a financial loss. Please help make them release the payoff demand so I can obtain a fixed rate 30 year loan.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are illegally reporting inaccurate 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 2018-05-13
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I will address this in a simplified format since I've complained about this same issue with the CFPB already. US Bank is noncompliant with sending me an electronic copy by email, or mail that contains all billing statements from beginning to end, account notices, letters, and other relevant information. I've dealt Executive Department, Consumer Relations Department, and their collections department with no success.

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 2019-08-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a phone call from a debt collector XXXX XXXX XXXX XXXX XXXX XXXX. They were attempting to collect a debt for {$390.00} from Citizen 's Bank. In XX/XX/XXXX I filed 2 fraud claims with Citizen 's Bank. As of XX/XX/XXXX, the investigation is still in progress. Despite the long length of time it has taken to complete the investigation, Citizen 's Bank assured me that they would not send my account into collections. However, this was clearly not the case, and it was sent to collections anyway. I am filing a complaint not only because of the false information I was given, but also the WRONG AMOUNT of the debt. XXXX is attempting to collect a debt for {$390.00}, however, the original fradulent check was cashed in the amount of {$390.00}. Despite trying to get a straight answer from both XXXX XXXX and Citizen 's Bank Recovery Department, neither one of them could explain the difference between the two amounts. I would like to request an explanation for the discrepancy as well as a timeline as to when the fraud claims will be resolved so that I can be cleared of all involvement with XXXX and Citizen 's Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my TranUnion credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiries : Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please find enclosed the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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