BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: Phoenix Financial Services LLC
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I ran my credit score and found a outstanding bill, that had been sent to Pheonix Financial for collection. On XX/XX/XXXX I emailed Pheonix Financial requesting debt validation. On XX/XX/XXXX I called Pheonix Financial. They informed me about a hospital bill from XX/XX/XXXX, for my child, that was in a different state from where we live. I mentioned to Ms. XXXX from Pheonix Financial that I had not recieved any calls or bills from anyone regarding that matter. She told me I can call my insurance company and ask them to pick up the claim. I called my insurance company for more information, they informed me the bill was paid and gave me a electronic check number. I called Ms. XXXX to tell her the good news, and she proceeded to tell me how my insurance covered the hospital portion of the bill but not the physician portion of the bill, so my remaining balance was over {$800.00}. I asked what my options were, who I could contact to resolve the matter, because my son was always covered by insurance, and I do not want to owe anyone money. Her solution ( which she made sure to let me know she was recording at this point ) was to pay a discounted price of over {$600.00}. She also then said my insurance would likely not pick up the claim because of the date of service being over a year old. I explained that I should not be expected to pay a bill I have never been addressed about, nor that is financially my responsibility when my child was covered by health insurance. We disconnected and I called my insurance company. He placed me on hold, and he contacted Phenoix Financial. He came to the resolution that the reason for the bill was because the hospital did not put my childs insurance information in correctly. My insurance says this will take 30-45 business days to be reprocessed, and I will be covered by them fully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I set up an online Ally back account on XX/XX/19. 
I attempted to deposit a check into the account on XX/XX/19. 
I received an email stating that the check was missing info on the Pay To : line. 
I resubmitted the check the same day. 
I received an email on XX/XX/19 stating that : We weren't able to complete this Ally Bank eCheck DepositSM because of one of the following reasons : The check contains an alteration on the front of the check The check had been previously deposited at another institution The check is from a financial institution located outside of the U.S. 
Please obtain a new check to scan and submit it as you normally would. 
The next day I tried to access my account and was told it had been fraud locked. 
I called the number provided XXXX and waited 45 mins on hold to speak to a Loss Prevention agent. He proceeded to tell me that I was trying to deposit a fake check and they would not be reopening my account. He stated there was nothing I could do and I had to wait until their investigation was over. 
I waited a week with no response. I called back 3 different times and left messages with no response. I shut by direct deposit off as soon as I realized they were not going to reopen my account. By this time two {$100.00} deposits had been made into the account from my employer. They didn't reject these deposits even though the account was frozen. 
I now have {$200.00} dollars sitting in a frozen account and the bank is flat refusing to allow me access to my money or even return my phone call.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX has been told numerous times this account there're was stuff charged on this that was not mine I paid all that was charged by me seats sent new cards to the wrong address and someone charged with my new cards I did not know for a for a month because I didn't check my account because I didn't charge anything unfair to punish me for charges not made by me.

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 2019-05-13
Company: EQUIFAX, INC.
State: FL
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED A FEW INACCURATE ITEMS ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

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 2019-05-13
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bill came dated XX/XX/XXXX. Claim is from XX/XX/XXXX for {$580.00} XXXX XXXX XXXX. 
I moved XX/XX/XXXX. To the best of my knowledge I was up to date on my utility bill with XXXX. 
Penn Credit from XXXX Pa is trying to collect this debt. This creditor has not appeared on my credit report over the last 4 years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My payments are due on XXXX of every month. that's the due date. 
In XXXX payment was due on the XXXX of the month, as such I mad a payment in XXXX on the XXXX. 

since there are 31 days in XXXX, XX/XX/XXXX is the XXXX day. XXXX was paid on that day which is the XXXX day. so because they were paid on that XXXX day, they can not report me 30days late, because they had payment in their possession on day XXXX and such was not over yet so technically the XXXX day was not over yet and they are in violation of fair credit reporting as such states : " late payments generally wont end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees. '' XXXX states : If youre only a few days or a couple of weeks late on the payment, and you make the full late payment before that 30 days is up, See, https XXXX XXXX/ On XX/XX/XXXX when I made the payment, the 30 days was not up yet and they had the payment, so they are incorrectly reporting a late payment.

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 2021-11-01
Company: Credit Corp Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Corp Solutions sent me a letter stating that I owe a bill for {$120.00} to XXXX but never had a bill on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and also said its not on my credit report by asking me for information on myself which I didn't give to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: ROBINHOOD MARKETS INC.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My account was hacked on XXXX, I contacted them immediately after it happened and lost over {$4000.00} to scammers. XXXX has been investigating this issue since XXXX and ive yet to get an update. There users continue to get hacked and lose money ane they dont care!!! Its irresponsible unethical and XXXX illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Walwick, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Real simple case here that XXXX and Merchants Credit Association has ignored. This is about a {$88.00} bill that I can easily pay BUT I refuse to since XXXX  incorrectly billed me and Merchants Credit Association ignored my response to their letter where I clearly disputed the validity of this alleged debt. 

Details : - My family and I rented a house and XXXX supplied garbage and recycle services. 
- My family and I moved out at the end of XX/XX/XXXX. 
- During early XX/XX/XXXXwe contacted all the utility companies and told them we had moved out. 
- XXXX kept billing us so I called and disputed the billing. 
- The owner of the house also called XXXX and he was told that there was no outstanding bill. 
- Fast forward a few months and I get another bill from XXXX. I again called and disputed such. This time they asked for proof of us moving. I happily emailed them the official USPS address change confirmation. 
- I hear nothing from XXXX for several months until I get a collection letter from Merchants Credit Association out of XXXX, WA - I obviously dispute the Merchants Credit Association attempt to collect a debt. I include the USPS email showing our change of address confirmation as well as a letter from the owner of the house stating that we moved out and that the bill is his not ours. 
- A few months go by and I hear nothing from XXXX or Merchants Credit Association BUT I get an email that my Equifax credit report has changed and when I look there is a collection from Merchants Credit Association. 

How can they get away with adding a silly $ 90+/- collection to my credit report when I clearly disputed this debt? 

I have the ability to pay the silly {$90.00} but since I do not owe this bill I chose not to pay it. Now it has cost me several hours of work and stress! 

Merchants Credit Association is probably gambling that I will just give up and pay a bill/debt that I do not owe due to the incredible hassle to prove I do not owe it. 

WRONG! - I will pay a lawyer {$1000.00} to clear this up before I pay XXXX and Merchants Credit Association for their obvious mistakes. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Merchants Credit Association XXXX XXXX XXXX XXXX, WA XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-05-13
Company: Acceptance Solutions Group, INC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a very threatening voicemail from XXXX XXXX agency stating they were " On there way to XXXX ( Former employer ) and would then be coming to my house to make me sign legal documents. I returned the call to gather information on what this was about or even if it was legitimate. The call was anwsered by a very casual sounding man named " Mr. XXXX '' who I gave my name and the case number to that was left on the voicemail. He then without telling me transferred me to a kind guy named " XXXX '' who I also gave my information too and informed me it was about a debt for {$170.00} from a company named " Acceptance Solutions Group '' for a short term loan from early 2017! I informed I wasn't familiar with this company or loan and then he stated he needed to put me on hold to see if he can " Stop the courier ''. I took this as an obvious scare tactic even though this guy seemed kind. I then was transferred to another person named " XXXX '' who's title was " Director of Operations ''. He informed me that this was a debt that I only had two options for ... Either pay {$170.00} now or I will go to court and will be " forced to pay $ XXXX {$1000.00} for legal and attornys fees, He is just trying to help me out and give me one last chance ''. Again, I am not familiar with this debt or company. He read me my DL Number and email as what I can only assume was an attempt to make me feel this was valid. He then stated the original loan was for {$100.00} and the total pay back was {$170.00} from XX/XX/2017. He stated I made 8 Payments of {$27.00} ( Which totals {$210.00} ) but that I still owed {$170.00}. This did not make sense so I questioned further and asked why I have not received anything on my credit report from them and he informed me it's not on credit reports but it is still lowering my score. He said he understands my confusion with the math but the bottom line is that I have to pay {$170.00} now or I will have to pay up to {$1000.00} in court. I stated he can proceed with the legal paperwork and that was the end of the call. The tactics used by this company ( XXXX XXXX XXXX XXXX ) on behalf of Acceptance Solutions Group I feel are extremely aggressive and threatening. Stating they are on there way to my employer ( No longer work at ) and that they will have my boss OR HR manager sign the paperwork if I'm not available and then come to my house is uncalled for and wrong not even taking into account the math issues explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions 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:
Fraudulent account XXXXr XXXX XXXX date open 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 2018-01-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
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:
1. Hard inquiry from Citizens Bank on XX/XX/XXXX, that I didn't know about. 
2. Hard inquiry from XXXX/XXXXr on XX/XX/XXXX, that I didn't know about. 
3. Hard inquiry from XXXX on XX/XX/XXXX, that I didn't know about. 
5. Hard inquiry from XXXX on XX/XX/XXXX that I didn't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Man-Data Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I kept getting these calls about this debt ... I told the girl calling that I work from XXXX to XXXX monday through friday and she could only call me on my lunch hour or after work hours. She continued to call and I continually rejected the call or hung up. Next call I got I was threatened with legal action. She said she would be sure I was garnished and that if I missed one payment of our arrangement she would make sure legal action was taken. I had asked multiple times for something to be sent in writing about my debt. I was assured things were sent with the dates they were sent and received nothing. I have a XXXX XXXX so not likely my mail would get stolen. I made an over the phone arrangement of {$50.00} per month and when I arrived I talked to a XXXX or XXXX that took my info then came back and said that she would not authorize my payment arrangement. Told me I had to have over {$500.00} which is over half of my debt or they would garnish me. Refused to give me anything in writing including any of their policies. Multiple times I was refused when I asked to speak with a supervisor and was forced to talk to this XXXX/XXXX person. Also I would love to attach documents but unfortunately I wasn't provided with any. Also they tried to get me to give them my husbands social security number which is also very illegal for me to even give let alone for them to ask for it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: EQUIFAX, INC.
State: FL
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 WAS VICTIM OF IDENTITY THEFT, SOMEBODY USED MY PERSONAL INFORMATION TO OPEN CREDIT CARDS AND GET MEDICAL CARE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management bought my XXXX credit card debt that is 10 years old, and they will not stop calling me from different numbers to collect. The amount of calls I get each day are absurd, I use my cellphone for personal as well as my business so this is taking away from calls to/from my clients. The California Statue of Limitations states that lenders can not attempt to collect debts that are more than four years past due, this debt also should be removed from my credit report after 7 years. As this debt is over 10 years old, I do not believe I should still be getting harassed over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$43.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$3100.00}

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 2019-05-13
Company: DISCOVER BANK
State: NY
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:
This is an issue Discover was going to handle a long time ago. I was recently looking at my XXXX XXXX and noticed it is saying XX/XX/XXXX I applied or signed for some type of thing with there bank or credit card. I had called them XX/XX/XXXX and this was all told me it would be solved. I had no idea this was still on my report. 

I did not do this. This was fraud and not authorized by me. I was informed this would be off my credit file but for some reason it is still showing up on my XXXX and XXXX and other credit reports. I had just called them to try to understand and they have no knowledge or any card or inquiry from there customer service team. I called them XX/XX/XXXX was the recent call. I asked them to put on the notes and if they could remove them. I was getting run around answers. 

I do not have an account with them. I did not have an account with them. I did not apply for any account with them. I am hoping someone here can help resolve the situation and fix this so my credit report is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
experian will not allow me to dispute! im trying to dispute midland funding

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