BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir/Madam, its about reporting a collection on account of XXXX XXXX. few of documents are attached here with for your ready reference. i was resident of one of the apartment in XXXX XXXX. when i got the apartment, the price etc. was different & when they started billing me, that got changed. i was having a complaint of over charging, i talked to management & there was no resolve. on my regular follow up & arguments, Management had asked me to vacate the apartment & few days latter i got a eviction notice. i was asked to vacate that house means who brake the lease, not me but the management. i asked them to share the details of, XXXX XXXX ( Normally XXXX   Charge Trash in their Bills ) Management is charging is separate. Water Billing Trash etc. they dont have any supporting documents to support the billed amounts. its very high if you compare with other apartments. when i vacate the house, they had reported the Good Sum on my credit. i already had spoked with XXXX XXXX, no response, Recover Agency Name : The Phoenix Recovery Group XXXX XXXX XXXX if you review the attached bills, they charge it with no further details. XXXX XXXX Trash these bills must have separate supports. i was asked to vacate the house, who break the lease. its no me. Pls. help to resolve the issue & make sure management is not charging this to all residents. Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Experian Information Solutions 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 shows a inquire on my credit report XXXX-17 but I never gave them written authorization to run my credit.

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 checked my personal credit report, which I acquired from your organization on XX/XX/19 and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. Attached you will find my ID, and a bank statement showing proof of address & inquires in question.

Inquires In Question : XXXX XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019. ) XXXX XXXX ( XX/XX/2019. ) XXXX XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019. ) XXXX XXXX XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX  ( XX/XX/2019 & XX/XX/2019 & XX/XX/2019. & XX/XX/2019 & XX/XX/2019. ) If you find the inquiries referenced above to be valid through physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2023-03-24
Company: Eastern Revenue, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Eastern Revenue , Inc wants to collect over XXXX from me for an ambulance ride. I tell them repeatedly that my insurance covered it, and I dispute the debt on my credit report, but they send me letters in the mail saying " I couldn't be identified as insured '' and I called the ambulance company, and they say they've never heard of Eastern Revenue , Inc . 
" Eastern Revenue , Inc is located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX '' According to what I found about them on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: EQUIFAX, 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  shows a inquire on my credit report XXXX-17 but I never gave them written authorization to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to receive repeatedly phone calls all through the day from XXXX XXXX XXXX STORE CARD 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

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 2019-11-01
Company: Experian Information Solutions Inc.
State: AK
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:
I Have sent out 4 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Credit Karma, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Today, XXXX XXXX 2023, I discovered that there had been XXXX unauthorized fund transfers between my bank, XXXX, and Credit Karma account totaling {$5100.00}. I immediately called my bank to freeze all transaction with no response from Credit Karma to that account and was told that I had to wait until those unauthorized transfers posted. 

I then logged into Credit Karma to find that my accountbinfo had all been changed and digital account representatives were unable to help me. After I changed my account info back to my phone number, they could locate my account and I was told to wait for an email to resolve my dispute. I have attempted to contact via email I received several times in effort to prevent the fraudulent funds from being withdrawn when I found that a new card had been requested at the same time as the transactions with no response from Credit Karma. 

In the meantime, several transactions from Credit Karma occurred from New York and nearly all the funds are gone. 

I have screencaps of this occurance and an associated email to the perpetrator as XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20
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 information incorrect

Complaint:
My University of XXXX XXXX loan was discharged on XX/XX/XXXX for XXXX XXXX XXXX XXXX. They use XXXX XXXX XXXX  as there servicer. However i was charged for 2 late payments between XXXX and XX/XX/XXXX. This should have never happened because the student loan was discharged on XX/XX/XXXX. See attached documentation and date of discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Convergent Resources, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX, herein known as " Consumer ''. Convergent Outsourcing IncXXXX are herein known as " third party junk debt buyer ''. On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar.Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal . App. 3d 1092, 1098,223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & SuretyCo., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ).

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 2019-11-01
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:
I checked my personal credit report, which I acquired from your organization on XX/XX/19 and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. Attached you will find my ID, and proof of address. 

Inquire ( s ) XXXX XXXX XXXX ( Twice XX/XX/2019. ) XXXX  - XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX XXXX ( XX/XX/2019. & XX/XX/2019. ) XXXX XXXX XXXX   XXXX ( XX/XX/2019 & XX/XX/2019 & XX/XX/2019 & XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX   XXXX XXXX ( XX/XX/2019. ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX, XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019 ) XXXX XXXX XXXX XXXX , XXXX ( XX/XX/2019. ) If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had asked both my bank and CashApp to dispute a transaction with an individual on XX/XX/2023 for {$100.00} for online services which they failed to complete thus making it useless, and promised to send the money back but failed to do so. After opening a dispute with XXXX  XXXX XXXX, CashApp denied the claim deeming that they completed their end of the transaction by moving the money from my account to the other persons. 
As you can see from the pictures below, the person in question gave me their CashApp ID previously, which is the same one I sent the {$100.00} to, and the photo shows a couple hours after the money was sent that they stated they had to cancel on my due to personal issues and agreed to send the money back but failed to do so as can be seen by their and my own transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have never received any notification, written nor verbal regarding any debt or amount still owed to XXXX   Hospital. The only way I found out was when my credit was checked by an authorized company. The amount stated on my credit reports is {$110.00} owed from XX/XX/2018. I have attached the letter I sent to XXXX XXXX XXXX with a copy of my bank account entry from XX/XX/2018, showing I paid this on the date of my hospital visit. It was never past due.

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 2019-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are several credit disputes I have filed 103 XXXX XXXX bureaus XXXX XXXX XXXX and XXXXbreachsettlement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX  are running and hiding from me, I Demanded and instructed them to Release my Credit File and Rental history Report, but these XXXX XXXX are running and hiding. I requested the release of my entire file, I supplied my mailing address as : XXXX XXXX XXXX XXXX XXXX, GA XXXX, but rather these XXXX XXXX got to Running, this is funny, these iXXXX XXXX XXXX  think they are Stopping me, these XXXX are XXXX XXXX XXXX Send me my entire credit file for XXXX XXXX XXXX!!! $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
There are many mistakes appear in my report without my understanding.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is incorrect personal 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 non-monetary relief
Consumer complaint received 2021-03-20
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from XXXX to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Mountain Run Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mountain run Solutions are reporting a debt that would have been over ten years old if it were true. I have not had any contracts or services with XXXX since XXXX and do not owe any money. Original contract started in XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the XXXX and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated.

I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY and send me {$1000.00} for all damages.

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 2019-11-01
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I called this collection company after finding out that XXXX XXXX had submitted a {$50.00} debt from our now XXXX year old. At the time she was XXXX or XXXX and this was also around the time she was on our insurance. However, I believe we had declared bankruptcy. This was a copay that XXXX XXXX XXXX never EVER called about or anything. We moved in XXXX and had our mail forwarded but NEVER EVER received a bill!!! When I called this company recently, as soon as I found out this debt existed, via XXXX  XXXX alert system, I TOLD them I can easily pay the {$50.00}. They said it was too late because it was over 7 years old BUT THEY SAID IT WOULDNT go on our credit until I just saw in now, XX/XX/XXXX! Why would I not pay {$50.00}??? This XXXX XXXX XXXX is NOTORIOUS for this behavior. One simple phone call or a certified letter would have instantly solved this 7 years ago. We have always paid our co pay at the time of visit but my then minor daughter may have been told she would be billed and didnt tell me .... at least that is the only thing I can come up with. Tell me who to send the {$50.00} to!! I want this off my credit!

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