BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When pulling my credit, I noticed there was a medical bill showing on my credit report in which I have no knowledge of from Phoenix Financial Service ( XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ). 

On XX/XX/2020, I sent a certified letter to Phoenix Financial Service in efforts to validate the debt shown on my credit report and better understand what was being reported. Today XX/XX/2020, I have not received a response or documentation validating the debt in questioning. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g Section 611 ( a ) ( 5 ) ( A ) ( i ) since Phoenix Financial Service is unable to verify the accuracy of the disputed account they must promptly delete this item of information from my file. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX to let them know that I only have 1 account however 2 accounts are on my credit report. I only opened up 1 account. Two accounts are in collection but its two of the exact same accounts opened on the same day. There is an error on their part. One account was paid off and the other account needs to be removed as I only opened 1 account. 
{$1200.00} is the amount of the collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: Webcollex, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CKS Prime Investments placed a collections account in my credit reports. I sent certified letters to the company using information from my credit reports informing I don't owe them, to cease and desist any further reporting and disputed the information in the credit bureaus, but it still remains. It has adversely affected my credit and reputation as a credit worthy person financially because of the decrease of my credit score since they added this to my file. I have never entered into any type of financial agreement with this company nor have I ever signed any documents agreeing to any type of financial responsibility. This is the second time this company owner has done this. I had to fight before to have them removed and now they are doing it again under a slightly different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased 4 tickets from a third party supplier on XX/XX/XXXX for a round trip to XXXX XXXX from XXXX in XX/XX/XXXX for {$1200.00} and I purchased seats separately from XXXX XXXX for both flights. After Covid struck and XXXX changed flight times, we were able to cancel flights from XXXX with a full refund in XXXX and they were able to refund my seat assignments directly to my Citi card ending in XXXX but the tickets had to get refunded back to the third party supplier on XX/XX/XXXX for {$210.00} each equaling {$860.00}. After calling the third party supplier about 10 times without success ( they kept using excuses like call back in another week to check if the credit is showing up and then it will go back to the credit card ), I called citi XXXX XXXX and told them what was going on and that I wanted my {$860.00} back and they could go after this company for their money because they got their refund. In XXXX, I got a letter from citi stating that they were putting the charge back on my card because the company stated that this was a VALID charge. I then sent supporting evidence to citi card clearly showing that this company got credit on XX/XX/XXXX for all four tickets and they again conditionally credited my account to reach out to them. Now they put the charge back on and want me to pay by XX/XX/XXXX my {$860.00} and are awaiting this company 's response? I have already proven my case and I should not have to pay anything at this point. They need to recoup the money from this scam third party supplier. If I do not pay by XX/XX/XXXX my cc will show a late fee and they are not expected to hear back from this company until XXXXThey will not answer them at this point and I have tried to speak to the dispute dept in the credit card company at XXXX but they keep hanging up on me. They are a terrible company and need to take it up with them and not the consumer when COVID is rampant and lives are being lost and jobs are scarce and my case is proven and they still want me to pay. I will cancel my credit card with them as well.

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 2020-12-03
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-02-05
Company: CITIBANK, N.A.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received multiple calls from both a local number ( XXXX area code ) as well as calls from the XXXX area ( XXXX area code ). I have answered and spoken with the representative to request a cease of contact and have been still receiving calls. I have worked tirelessly over the past several years to satisfy all outstanding debts and collection accounts and have pulled my full credit report multiple times. The debt in question is posted on my credit report as " legally paid in full for less than original amount '' which should have ceased collection. I have notified the collection company " XXXX XXXX '' that the debt has been settled and to please stop calling me. Phone calls have been from XXXX and XXXX over the past 2 weeks. Even after telling them that the amount has been satisfied, they say I still owe over {$7000.00} for Citi Financial. Only remaining collections on my account are XXXX overdue bill and XXXX XXXX overdue bill ; both have been paid and satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: CARD Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
This is still an ongoing issue from my last complaint with Card.com ( complaint # XXXX ). For other consumers reading this, you will see that when I file these disputes against these companies, I can't make this stuff up or lie!! The previous amount that was stolen was refunded back to my account. Card.com I want to thank you for admitting that you guys made a mistake, and worked to get my {$51.00} that was stolen, back into my account. However, I AM HAVING THE SAME ISSUE ONCE AGAIN. I still have 2 fraudulent charges still on my account, that have been in pending status for 30+ days. The fact that a pending charge is taking 30 days to post, should be a red flag for any bank to say this is a fraudulent charge. I spoke with an agent today ( XX/XX/18 ) at Card.com, and he stated that I would have to contact the two merchants to get them to release the charges. I have spoken to both companies .... XXXX XXXX ( Branch ) in XXXX PA for {$22.00} and XXXX XXXX XXXX XXXX in XXXX WA for {$29.00}. XXXX XXXX  said I need to contact my bank, and I have left messages to XXXX XXXX XXXX XXXX, who has not returned any of my phone calls. A few weeks ago I contacted Card.com and asked them when would I be able to dispute the pending transactions, and a female agent told me I would have to wait a total of 30 days before I can dispute. So again, I am being told two different things by their customer service. I can dispute after 30 days while in pending status, or I have to contact the merchants directly to get them to release the funds. I have tried both, and I still don't have my funds back into my account. 

Also, luckily I took screen shots last month of the fraudulent charges showing on my online statement. Because as of today, they are miraculously missing from my current online statement. ( ( ( ( ( ( I AM ATTACHING 2 STATEMENTS SHOWING THEM THERE AND THEM MISSING CURRENTLY ) ) ) ) ) If I didn't have the proof from last time, I may be out of luck disputing them. 

I don't understand how a bank that knows clearly that a transaction is a fraudulent charge, would not fight for their customer to reach out to the merchant and reverse the charges. Pending charges for 30+ days!!!! And that's not a red flag?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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 to 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 : MIDLAND FUNDING XXXX Balance {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
1. Unauthorized inquiries on my credit report on Equifax, XXXX, and XXXX. I can only provide images of Equifax, and XXXX  inquiries.
2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. Remove any other social security numbers that is associated with my credit file other than XXXX 4. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information.
5. Remove any other names other than XXXX XXXX Please update 6. Correct all of the errors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TD BANK US HOLDING COMPANY
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:
To whom it may concern, back in XXXX there was identity theft on my account. I spoke to TD Bank about it and they were going to remove the 2 inquires. It's been a while its not XX/XX/XXXX and these things still show up. Under the fair credit reporting act 609? Shouldn't these be off? again I never authorized this. They removed from XXXX  just not XXXX. I will show u that that they are not on XXXX. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Loan was sold to LOANCARE. My first mortgage payment was due XX/XX/XXXX. I received a mortgage statement showing my payment was less than expected. I called LOANCARE and they said they show a credit and to make the payment on the statement. I did. ( please see the statement and payment out of my bank account ) I started getting phone calls from Loancare about not making my payments shortly after this. I kept telling them that we made the payment per their instruction. Thereafter, they kept calling and calling about a missed payment. They put on my following months statements a full month payment being missed. I made XXXX and XXXX payments when I started getting phone calls from Loancare once again. I asked for a manager after conversations Loancare trying to clear this up and they told me they would call me back. Never received a call back. Yet once again getting more calls from Loancare harassing me about my payments. I have called them numerous times with no return calls after they said they would call me back. Finally, I reached out to my loan officer that I did my loan through to help me. I then received a phone call and a letter in the mail that the correction was made. NOW, I am getting another letter stating I am still late and no payment was received. I have numerous amounts of recorded conversations with Loancare documenting what I am referring to. Also, I have documents I can upload supporting these timelines. I have never been late and I have followed Loancares direction on what to pay originally after I questioned the payment amount. I need some assistance getting this cleared up as I have spoken to Loancare SEVERAL times, waiting on hold for over XXXX hours to speak someone, been told they would call me back and never did, and then have a letter being told this is corrected and yet still get harrased by phone calls telling me I still owe. This is unacceptable from a mortgage servicer to scare me about a payment that has been made. I am afraid they are going to put me in foreclosure.

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 2020-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2018-02-05
Company: WESTERN ALLIANCE BANCORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The funds are not being applied to the account. See attached documents for details.

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 2021-02-22
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt validation was requested in regard to account. Company responded by sending false documentation that is construed to have come from original creditor but did not. Company did not validate debt and is still reporting false information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Checking over my report today and I noticed some unusual activity once I notice this unusual activity I created a FTC report and I contacted the creditors multiple times they never provided me any information at all!!!!!! Inaccurate items on report should be removed the dates, and amounts dont add up either. 

XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax Inquiries I do not notice XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am writing now in hopes to obtain your help. At the present time I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( Experian, XXXX and XXXX ) on XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: AES/PHEAA
State: MN
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : FEDLOAN ( Account # : XXXX Date Opened : XX/XX/1999 Balance : {$0.00} ) ; FEDLOAN ( Account # : XXXX Date Opened : XX/XX/1999 Balance : {$0.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I successfully settled with XXXX XXXX ( XXXX XXXX XXXX on all written correspondence ) for {$580.00} on a balance owed of {$830.00} ; I was sent a letter from XXXX XXXX XXXX showing that I owed a {$0.00} balance and that the debt was paid for less than the full balance. However, on my most recent credit report, pulled XX/XX/XXXX, I have a past due amount with XXXX XXXX for the remaining {$240.00}. If I have a letter stating that I have settled the account, and it is now closed, why is XXXX XXXX XXXX XXXX. still reporting the forgiven balance as 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 2020-11-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i took the 180 cares act thing because of covid was sent after 180 day a notice that if i paid one payment the rest of the back payments would be add on at the end of my morgage so i paid the one payment and now when i go to make the next payment is say i owe all the money from the 180 day program and it wont let me make a normal payment why? i agreed to keep making my normal payments and the amout that owed from the 180 period would be added on at the end of my morgage. so what happen? so are you going back on the agreement. if so i guess i have to get a lawyer and take you to court. i dont want to do that so lets just go back to the agreement and il pay my normal payments and you add the owed back balance to the end of my loan. also you need to fix your site so i can make my normal payments again because right now it wont let me pay anything thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Colony Brands, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Initially I thought this account was a result of fraudulent use because I specifically requested the account be closed and my purchase refunded when I found out my mother never received the items I ordered for her. When I first ordered the items they were sent to the wrong address. The company agreed to resend the items to her. Months later I asked my mother about her hat and dress and she informed me that she never received them. By that time I had already paid {$95.00} in reoccurring bill payments and with a credit balance of over {$100.00}. I informed the company that she never received the items, I wanted a full refund, and the account closed. The representative assured me this would be done. This company is destroying my credit by reporting the negative account that was a result of goods not received. My Fraud Recovery Specialist has attempted to work with the company to get them to stop reporting the information and issue a refund without much success. 

The collection agency they sent the debt to has assured me that they did not report the negative information so that means the data furnisher is XXXX.

Company response to consumer: Untimely response