BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: Phoenix Financial Services LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Failure to Pay was brought to my attention on XX/XX/XXXX by a phone call from XXXX XXXX XXXX by XXXX. She said she was calling to collect a debt due to XXXX XXXX  for tests completed in XX/XX/XXXX in the amount of {$4.00}??. I told her I had no idea what she was talking about, I have never received statements for the above amount or from XXXX XXXX. She verified my address, which was correct but had the wrong apartment number. She had my email address and my phone number. She said it didnt matter, I still owed money. I thought the call was a scam at this point. She continued to try and collect over the phone. I told her I needed to see a detailed statement, and if I owed money I would definitely pay it, but not without a detailed statement. She said she would email the statement immediately at XXXX. I told her after I received the information and could verify the details I would make arrangements to pay this debt. I WAS NEVER EMAILED a statement, nor was a statement mailed to me, even though I gave her my correct apartment number. I was notified by email that my credit score changed due to a report of failure to pay. When checking XXXX   XXXX, which sent the notice, I saw that Phoenix Financial SE reported that XXXX XXXX XXXX XXXX was the original creditor and the open balance was {$550.00}! I do not recognize that name. I called XXXX to request a statement, I was told it was too late and she hung up on me twice! 
I received a second call on XX/XX/XXXX, this time from XXXX. She reported that I owe {$550.00}. Now its an E.R.visit from XX/XX/XXXX! I again asked for a detailed statement, assuring her that if I owed this debt I would pay it promptly, as soon as I verified its legitimacy. I asked if she would pay a debt she didn't know she owed without verifying it. She hung up on me. I have yet to receive a statement. Meanwhile my credit score has plummeted! 
Please advise me on this matter. Thank you for your assistance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They keep charging me even the account is close and now they threaten me saying that if I dont pay XXXX $ before XX/XX/XXXX they will take legal action to damage. My credit After this pandemic hit I kept calling them to let them know I am not working and and that I was making my payments but they charged so much interest and fees please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-11
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:
I started a dispute with XXXX and Equifax. Equifax mailed a prove of identity, for th4 name XXXX XXXX XXXX. I am XXXX XXXX no middle initial, I don't have a XXXX for middle initial. I received dispute results from XXXX with information that I have no knowledge of, that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: ALLY FINANCIAL INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Ally Financial XX/XX/2021 To Whom It May Concern, I am writing to inform you that I am deeply concerned about an unauthorized inquiry that you made on my consumer report. As a responsible consumer, I believe that it is essential for companies to respect the privacy and security of their customers ' personal information. However, it has come to my attention that you obtained my credit bureau report without my permission or a permissible purpose, which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b.

I have not initiated any transactions with your company, nor do I have an account with you for review or collection purposes. Therefore, there is no valid reason for you to access my credit report. Your actions amount to a violation of the FCRA, which is punishable by law, and I am prepared to take legal action if necessary. 

According to the FCRA, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined, imprisoned, or both. Your actions not only violate my privacy rights but also put me at risk of identity theft. 

I demand that you remove the unauthorized inquiry from my credit report immediately. Moreover, I am willing to settle your civil liability damages for the violation of my privacy rights for {$1000.00} pursuant to FCRA 15 U.S.C. 1681n. If you fail to comply with my request and refuse to settle the matter by making payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receiving this notice, I will seek actual damages, which are greater than {$1000.00}. 

Please send payment immediately via certified funds to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX. I hope we can resolve this matter amicably without the need for legal action. 

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 explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Acount Name : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states that I have right to privacy. 15 U.S.C 1681 section 604 Scetion 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 pf convictions of crimes which antedates the report by more than seven years.

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 2021-09-07
Company: EQUIFAX, INC.
State: TN
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:
Someone has gotten access to my personal information, and it is wrecking my life and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
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: Information belongs to someone else

Complaint:
My ex husband fraudulently opened an account in my name in which I have him listed. I am divorced from him as a result. The accounts listed are not my accounts, and I did not authorize these companies to run my credit. I am not a credit repair company nor am I a mortgage company. Please remove them as I am trying to buy a house and I have stellar credit beyond what is listed.

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 2022-12-21
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a discover credit card and on XX/XX/XXXX I send a payment of XXXX to pay a balance that was due ( XXXX ) in XX/XX/XXXX because after that date is going to increase the interest from 0 % to 24 % .I call them and explained the way that I want to apply my payment.They received my payment on XX/XX/XXXX and They didnt apply it and after XXXX XXXXThey are charging me XXXX dollar a month on interest for that amount ( XXXX ), I call them in the begging of XXXX and explained everything and They told me that I dont have any decision the way that payment is applied, that They decide it. 
I feel They are using a excuse to rip me off with the interest. Can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX days ). Please let me know if you require anything else. Please remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/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 XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I bought something from XXXX  XXXX  return part of the money. XXXX told me to call my bank to release the money. I called my bank and they ( chase ) are saying the money never came out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XX/XX/2021. 

XXXX. XXXX XXXX Account # XXXX 30 days late in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: KY
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 wrong information is on my credit report. Ive tried reaching out to Equifax and report my identity theft and it will not let me. It even has the wrong name for me. It says formerly known as XXXX XXXX. Ive never been known by that name. My credit has fraudulently names and addresses. Someone stole my passport and social security card. And in 2018 I had my car stolen with my drivers license and social security card stole. Ive had fraud for years and I didnt know it until recently. Please help me. I cant even get a freeze or fraud alert as it says its u available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect {$840.00} and {$730.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$2900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID for identification purposes so the bureaus will investigate my complaint. ) I had GAP Insurance and all outstanding balances due were covered. ( I have attached a copy of my GAP paperwork for reference. ) The statement break down is as follows : Scheduled Loan Balance at Date of Loss : {$15000.00} Plus interested earned : {$19.00} Less Net Insurance Settlement : XXXX {$9600.00} ) For a TOTAL GAP payment of {$5400.00} Clearly the GAP payment more than covered the {$2900.00} that the bureaus are currently reporting. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this line item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I bought a home in XX/XX/XXXX and it is currently being serviced by Truist Financial. 

I found out that none of my property taxes had been paid around XX/XX/XXXX and called immediately. They discovered that they had been paying my neighbor 's taxes and " handled '' the problem. I asked for a written explanation of the resolution so that I could understand what was done and verify that I was taken care of properly. I never got the explanation. I called back a few months later and they agreed to send the resolution agaun, but they never did. 

In XX/XX/XXXX, Truist told me that they projected an escrow shortage of - {$1700.00} and that my monthly payments would be increasing by {$200.00}. There was no explanation of why. 

I called again to try understanding where these numbers are coming from. I can explain about {$600.00} of the {$1700.00} shortage as supplemental taxes were paid by Truist, but not the remaining {$1100.00}. It took multiple calls, but they eventually opened another case in XX/XX/XXXX to help me and escalated it. 

On XX/XX/XXXX, I missed the call from a Truist supervisor who was finally going to explain everything. She left a voicemail simply stating that they were originally paying my neighbor 's taxes and that they are now paying the correct parcel number. All of this is information I've had for months and doesn't help me at all. They left no callback number and have made no effort to try calling me again. 

I feel completely helpless in this situation as I have to re-explain my problem every time I call and I have been promised help or follow-up calls that never happen. It's completely unethical to raise a monthly payment without proper explanation, especially when it's directly related to the financial institution 's initial blunder.

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 2019-08-26
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I opened an investment account with Robinhood, having succumbed to the allure of quick money in securities trading. I made a couple of initial deposits mainly at the suggestion of Robinhood " experts '' encouraging me to " diversify '' my portfolio. As a result of these seemingly random withdrawals, my bank flagged 2 of them and reversed the transactions because of fraud filters. When those 2 transactions were reversed, Robinhood froze and closed my account, while maintaining the original {$2000.00} I deposited. I have exchanged numerous phone calls, emails and messages with them in an attempt to regain ownership of my money but have been met with insults, postponments, bizarre requests for naturalization certificates ( I was born in the US, I've never even seen a naturalization certificate ) and what has amounted to a revolving door of the same 3 requests of document submission ; Front and back of ID ( which they approve ) followed by additional request of address ( which they approve ) followed by further verification in the form of naturalization certificates, original social security card ( issued in XXXX ... ) and then a reset to the original request for the front and back of an ID, only changing the method in which I am supposed to submit it to them ( secure portal, via email, in .pdf format, in .png format etc, etc ). This original {$2000.00} deposit was invested in cryptocurrencies and since I still have login access, I have watched that investment peak at around {$2100.00} and fall down to its current value of {$1900.00}. The money is clearly staying being handled by Robinhood and they ignore me when I request their SEC license information or broker license and I recorded one of their employees inform me that I was " too insignificant '' to pay any attention to and that they had the authority to " repossess '' my original {$2000.00} deposit at their will, information never disclosed to me when opening the account. It is now a month later, and the most recent exchange I've had is with a new agent who initially requested account documents for my bank account ( which I provided and were accepted ) and followed it up with a new request for identification documents ( through a brand new secure portal ) which I also provided but am sick of playing their game. It's jaw droppingly stunning when I read and hear so many people upset with the current national tone and level of discourse, but experience the harsh reality governing our country, that " we the people, '' don't amount to a " hill of beans in this crazy world. '' Stop me if you've heard this story recently, but the same institutions meant to be the vanguards of the public good have turned into the instruments of corruption and greed, abusing the right conferred upon them by their net worth, societal status to step all over the " little guy. ''

Company response to consumer: Closed with explanation