BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-21
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Company PHOENIX FINANCIAL SERVICE has been calling my job and my personal cell phone repeatedly. I have advised them NUMEROUS of times that the medical bills that they are saying that I owed was already PAID for by my MEDICAID ( even provided my Medicaid ID number ). I also have evidence from the three Credit Bureaus that this was paid and already taken from off of my credit reports. Its for {$1200.00} and {$34.00}. I have sent letters repeatedly showing them that it was taken care of and paid for by Medicaid. Today I got a notice that they added this back to my Credit which made my score dropped nearly 100 points. They are stating that they are also Lawyers and laughing when I am telling them that I have proof this is paid for. I work for a XXXX XXXX and would like to take legal action if this is not removed from report and that they also need to stop calling me a harassing me. I am at work right now, but I will upload and send in all proof that this was taken care of no later than tomorrow. 

This is the Companies Information PHOENIX FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX, IN. XXXX ( XXXX ) XXXX XXXX '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Problem getting your free annual credit report

Complaint:
On XXXX XXXX, I went to the TransUnion website to get a free copy of my credit report. I went to their webpage ( https : //www.transunion.com/ ) and clicked on a button called my credit score & report, which takes you to another page that is titled Be in the know with TransUnion- see your credit score now. I filled out the first page which asked for my name, address, bithday, and last four numbers of my SSN. I clicked on to the next page. This asked me for a user name and password, SSN, and then asked for my credit card information. I wanted my FREE credit report, so I tried to submit my request without entering an credit card information, but it would n't let me continue. I searched the rest of the website for a way to get my report without entering a credit card number, but I could not find a way. I decided to enter my card information and thought that it would warn me before charging for anything. But it did not. It automatically signed me up for their credit card monitoring and charged my credit card twice. I was able to cancel the service on the website, but after multiple calls to TransUnion, I was not able to get a hold of anyone to give me my {$19.00} back and warn them of this error. 

As far as I know, this was my only option for getting my credit score and I was not warned in a clear manner that I was enrolling for a paid service. When I went back to the website to double check that I had n't missed anything, I noticed that on the first page of the sign up ( that asked for my name, address, birthday, and last four of my SSN ) there was a picture on the side that looks like an ad that says, You have chosen : Credit Monitoring for $ XXXX/month. I think that is really sleazy business practice. 

I 've attached screen shots of the website.

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 2023-07-06
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: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2017-09-22
Company: CCB Credit Serivces, 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:
I am seeing numerous credit inquiries on my credit report. Unauthorized by me due to the fact I have been XXXX. I have XXXX that I am constantly in and out XXXX At one point I had my purse stolen from hospital It contained Drivers license social security card bank card and my check book. 
I am looking at my XXXX XXXX report and I see many credit request and I did not make them. I how ever was contacted by XXXX XXXX XXXX telling me I owed money but I did not I cleared that out with them they told me to check my credit report due to unexplained fraud activity I do not recognize inquiries below DatesXX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable with this debt wiith XXXX, I do not have a contract with my signature on it with LVNV Funding LLC. Please remove the account immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Collection Bureau of America Ltd.
State: NY
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:
On XXXX. XXXX, 2017, COLLECTION BUREAU OF A add a derogatory mark on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COLLECTION BUREAU OF A has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: CAVALRY INVESTMENTS, LLC
State: IL
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 did not authorize these inquiries. i have a credit freeze on my credit and i did not provide my personal information to these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Lending Club Corp
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Two years ago I responded to an offer from the Lending Club and I took a debt consolidation loan with them. The payments were {$950.00} and at the time it seemed like a good way to quickly pay off debt. Unfortunately my wife became XXXX and could not work. She applied for Social Security XXXX but that takes years to get. Nevertheless, I kept up the payments. Last summer it was becoming very difficult to make the payments and pay for health care and care for our son. 

I contacted the company and explained this to them and asked if they could reamortize my loan and that I would repay the entire amount once my wife 's XXXX award came in. They refused saying that is not something they do. I continued making the payments until I could no longer do so. The outstanding balance at that time was around {$10000.00}. They have sent my loan to collections, after one month, and when I spoke with them, their response was the same " too bad for you '' that I got from the Lending Club. 

I can not comprehend why, given the circumstances, they would not reamortize the loan. Many lenders actually forgive significant portions if not entire loans when XXXX strikes and all I sought was a reamortization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: OneMain Finance Corporation
State: TX
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 is reporting inaccurate, fraudulent inquiries. I have no knowledge of a company I have never had any association with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : Transunion : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) XXXX : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( 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 2020-01-28
Company: EQUIFAX, INC.
State: NY
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 A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/2017 The above inquiry is fraudulent please investigate and remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
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:
My XXXX XXXX Credit card account has late payments reported that should not be there. I contacted them and they waived the late fees but didn't correct the lates which should have never been reported on my account XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a dispute and the company provided a document that is inaccurate, with an incorrect birthday, the spelling of my name, and no signature ( attached below ). Additionally, the company has not provided me with a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA the company is required to promptly delete all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, 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:
A attorney filed information in XXXX County Court for XXXX XXXX XXXX XXXX. The debt was not for me ; therefore, the judge dismissed the case. I attempted to contact XXXX in writing but the USPS was unable to delivered the letter since XX/XX/XXXX.  USPS finally " disposed '' of the letter sometimes after XX/XX/XXXX. 

I contacted Equifax in writing twice. Equifax refused to remove the XXXX information for {$920.00}. I also called Equifax and still the information was not removed. According to the FAIR AND ACCURATE CREDIT TRANSACTIONS ACT, reporting information must be accurate. Since it is not, I requested Equifax to remove the incorrect information 3 times. As of today, it has not been done. 

I am requesting that Equifax immediately remove to incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2018 i called navient about a conversation regarding a disputed account with a rep prior. She wouldnt allow me to dispute account she told me to contact school for proof. Said that no supervisor was there to speak to me said that shes was tring to help but kept over talking me and repeating the same phrase over and over again. I paid my loan prior but stopped after realizing a institution that was being disputed was being paid too. I wantef clarification on that instabces and ive called numerous times!! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and their is fraudulent and unauthorized charges/transactions listed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I bought a {$1900.00} ring at a XXXX XXXX XXXX with their sponsored XXXX   credit card. I noticed the store charged me incorrectly so I took back the purchase and returned it and then recharged the card for the purchase. It's been a month and the XXXX  card company still hasn't refunded the original {$1900.00} purchase and they keep saying they are investigating for a month now when a three minute phone call to the store would solve the issue. Furthermore, I set up a payment of XXXX dollars to pay what I should owe, and they somehow took XXXX from my bank account without my authorization! Now they won't let me delete my bank account in order to wait until they fix the amount owed and therefore the payments. This is XXXX dollars I do not owe and an unauthorized payment increase! Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent disputes to each credit bureau and they never respond, none of the items disputed are updated on my credit report or even listed as in dispute.

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 2019-08-09
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: WELLS FARGO & COMPANY
State: WA
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:
To whom it may concern, I got membership forms and a debit card to reestisablish service with Wells Fargo Bank. Then last year my new credit union paid them for a personal line of credit loan on time, the bank assumed it was delinquent and its still on my credit report.. I went to the credit union to retrieve the statements, my financial expert and your agency without follow through.Last year I went to the credit union to get statements of payment history and all of my payments went out promptly, I called my financial person about this and he didn't seem interested or was busy and contacted your office without feedback.Thank you. Sincerely yours, 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 2023-05-13
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company has responded to my last complaint claiming they couldn't take payments out if they landed on the weekend There has been payments taken out on Saturdays on several occasions XX/XX/XXXX XXXX the payment they should have taken out is XXXX, Saturday XX/XX/XXXX XXXX they should have taken out XXXX, Saturday XX/XX/XXXX XXXX they should have taken out XXXX, and XXXX XXXX XXXX they took three payments out XXXX, XXXX, XXXX, XXXX XXXX XXXX to XX/XX/XXXX is when they started taking out the correct amount ( 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 2020-05-27
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have 75 or 76 qualifying payments on all of my student loans for public loan forgiveness. I submitted a certification form on XX/XX/XXXX. After that form was reviewed all loans were updated to state that my qualifying payments were either 75 or 76. In XXXX of XXXX I received notification that my qualifying payments on loan series 9 was now only 70, however no reason was given. When I called and spoke with my lender Fed loan they stated that there were 3 educational forebearances on that account despite the fact that I XXXX  in XX/XX/XXXX and had not enrolled in XXXX XXXX   school since then ( I did enroll in XXXX credit hours of XXXX XXXX in XX/XX/XXXX ). I was assured this would be corrected. Since that time every time I check my account the qualifying payments on loan series 9 varies from as low as 64. Every single time I check my account the number of qualifying payments changes on that loan. Sometimes it is 64, sometimes 70 but has never returned to 75. I have been notified the educational forbearance has been removed but the counts have not been corrected. I have emailed FedLoan multiple times and have called multiple times yet this has not been corrected. I have been told I need to wait for a formal recount which previously took over a year for me to get. I have gotten no responses regarding rectification despite multiple emails. My qualifying payments should not change weekly and should be corrected to 75 as I have always paid all of my loans on time and not selected one loan to pay on.

Company response to consumer: Closed with explanation