BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-09
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Phoenix Financial Services is attempting to recover a debt of {$2000.00} that is not mine. I have never had a contract or account with them. Thy even state in their letter that they are not the original account holder and that it was XXXX XXXX XXXX. I'm not familiar with them either. If I have no written contract with Phoenix Financial why are they trying to collect a debt from me for another company? I request validation of this account with original documents showing itemized charges. Not photocopies, but originals with wet ink signatures on it. I doubt that they can produce these documents. And if they do have them and they are not a licenced medical facility but a collection agency then that is a clear case of a HIPAA violation and possibly FDCPA violation. I have sent a cease and desist letter directly to Phoenix Financial disputing these charges and account about two week ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2019-06-15
Company: McCarthy, Burgess & Wolff, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I made telephone calls back and forth to XXXX regarding this dispute beginning XX/XX/XXXX, XX/XX/XXXX. I called because after looking at by bill I found I was being charged for services and for phones that were buy one get one free. I was also being charged for the free phone. During this conversation, I was also told I was leasing phones and they were to be returned at the end of the contract period. I told the representative I wasn't aware of leasing phones and asked to speak to a supervisor. When the supervisor came onto the phone I explained the same about not being aware of leasing phones. And, I would never lease a phone when phones could be purchased. The supervisor then said, I would not have to return the phones at the end of the contract period and they would be mines. He stated this information would be put into the system and to remind the representative when the time comes of his conversation. Back in XXXX I lost my job and could not continue to pay the bills and the service was disconnected. I called on XX/XX/XXXX and asked for a detailed bill of what was owed. This representative also stated I was leasing the phone and they had to be returned. I explained the conversation back in XX/XX/XXXX The representative said the amounts changed every month and he could not give me that information and suddenly the phone was disconnected after a long wait. I called back 2 additional times and the phone disconnected. On XX/XX/XXXX and XX/XX/XXXX a collection letter was sent to the company 's email address for everyone to see in the company that I owed XXXX money. However, one of the representative stated during the XX/XX/XXXX call, the phones had been disconnected and no additional charges could be added to the billing. As you can see from the attachments XXXX  is still charging me monthly. I don't think it is fair a large business should take advantage of the consumer because they can. And, send letters to a company 's email address for all to see. This company lets you know each conversation is being recorded and I am sure all was said was recorded and they should live up to that. In addition, I should be given an itemized bill as requested. I am also sure the the conversation with the supervisor about me owning the phones was annotated in the system because previous representatives verified the information. XXXX should honor what they say and stop taking advantage of their consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am writing to dispute a billing error on my account. On XX/XX/19 I  logged online to set up payments for the amount that was owed on the account, which at the time was {$110.00}. I set up to pay {$40.00} on XX/XX/19 and then {$76.00} to pay on XX/XX/19. The website would not allow me to pay any more than what was due on the account. 
Apparently during the time I made those payments, another {$1.00} of interest was added to my account which I was unaware of. The postal facility that processes our Mail in XXXX XXXX was closed on XX/XX/2019 due to a roof collapse due to Tropical Storm Imelda. This delayed processing of all mail for my home and it must have caused the letter stating that I owed {$1.00} to be rerouted as I never received a bill for that amount. 
Since I was not aware that I owed the {$1.00}, I did not make any payment after XX/XX/XXXX, which apparently caused my account to go 30 days past due, however, I was never contacted about this. I was not charged a late fee, however, Kohls did report to the credit agencies that I was over 30 days late. I called the 1-800 number to try to explain my situation, however, I can not get ahold of anyone who seems to understand the issue. 
I am writing to ask you to please remove the 30 days late delinquent account from the credit reporting agencies in a show of good faith, as it is clear that I thought that I had taken care of the obligation that was owed and I was never informed of the {$1.00} that was added to my account. 
Please investigate this matter and correct the billing error as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: JPMORGAN CHASE & CO.
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 have inquiries on my report from XXXX XX/XX/2021 & XX/XX/2021 ( XXXX ), XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XX/XX/2021 XXXX XXXX & XXXX ), XXXX XXXX XX/XX/2021 XXXX XXXX ) XXXX JPMCB XXXX XXXX XX/XX/2021 ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I noticed a recent new CHASE Total Checking and Credit cards account open under my information without my consent or acknowledgment. I did not open any new account under my information. Please verify the authenticity of the account holder. Account opened under my information without my consent or acknowledgement should be void.

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 2021-05-04
Company: EQUIFAX, INC.
State: NC
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:
XXXX - XX/XX/2020 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

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 2019-11-12
Company: General Motors Financial Company, 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 is missing that should be on the report

Complaint:
I am a victim of identity theft and around XX/XX/2019 my GM Financial auto loan was reporting the wrong amount owed to XXXX  as well XXXX  therefore an inquiry was initiated to have it corrected. The following month my auto loan account was completely erased. 
Instead both XXXX  and XXXX has deleted my account completely affecting my credit score and report. I have contacted GM Financial in regards to assisting both bureaus on reporting the right info to no avail it haven't been fixed. A representative from GM Financial told me that my account should be reporting to all 3 major XXXX, XXXX  and XXXX  correctly after XX/XX/2019. I know that XXXX  and XXXX  has had my credit accounts mixed in the past and has had a " mixed profile '' after my Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: CO
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:
There are 4 accounts that are fraudulent on my report. They told me to get the police report and then send that in with proof of my identity. I have sent numerous times this stuff in and now their new excuse is there were payments made and they dont have to block them from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I last spoke with XXXX, in XXXX XXXX XXXX. She refused to follow the FCRA and block these accounts

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 2023-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is in violation of the following : 15 U.S. Code 1681b - permissable purposes 15 U.S. Code 1681c - information contained in consumer reports 12 CFR Section 1022.3 - identity theft Plus, the account has been fully discharged, settled and satisfied.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
We had 2 months deferred due to the pandemic and is showing 30 days late. the account is now paid off and should reflect as never late Please see attached deferred payment agreement

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 2019-03-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
During XX/XX/2018 I obtained a copy of my credit report and noticed numerous of inaccuracies with Equifax. I informed them by disputing the inaccuracies for the last several months & the issue is getting very frustrating because it continues to affect my credit negatively. 

The accounts that I have an issue with are listed below : UNKNOWN ACCT # XXXX AMOUNT : {$59.00} UNKNOWN ACCT # XXXX AMOUNT : {$69.00} UNKNOWN ACCT # XXXX AMOUNT : {$59.00} UNKNOWN ACCT # XXXX AMOUNT : {$200.00} XXXX XXXX ACCT # XXXX AMOUNT : {$1000.00} XXXX XXXX XXXX ACCT # XXXX AMOUNT : {$390.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX has violated my rights. 
XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX  # XXXX has violated my rights. 

XXXX5 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

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 2019-06-15
Company: EQUIFAX, INC.
State: GA
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:
For over fifteen years Equifax has deliberately put a lock on my ability to access my credit profile with them, rendering it virtually impossible for me to dispute either by phone or online all the errors they have on my report. Since they have impeded my ability to secure any credit from potential creditors over the years, my hopes of buying a house for me and my family has been thwarted. The struggle has been very daunting. So in XXXX, XXXX I wrote to Equifax via a Certified/Return Receipt mail, requesting that my personal data i.e. my correct name, date of birth, address, and current employer and phone number should be the only information allowed on my credit profile with them and no other irrelevant information which does not pertain to me. Until now, XXXX has woefully ignored my request and I have not received a response from them, months later. Also, I called on their attention to delete the following erroneous and unfair accounts which does not belong to me that has continued to impede on my ability to secure any measurable employment and worthy credit off my credit report. Again, they've blatantly ignored my request. 1. XXXX XXXX, Delaware XXXX XXXX XXXX XXXX, DE XXXX XXXX Acct. # XXXX for {$3900.00} since XXXX, XXXX 2.XXXX  XXXX Account # XXXX for {$1600.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX 3. XXXX Acct. No. XXXX for {$40000.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 4. XXXX XXXX Acct. No. XXXX for {$20000.00} since XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 5. XXXXXXXX XXXX Acct. No. XXXX for {$2200.00} since XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 6. XXXX Acct. No. XXXX for {$920.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX 7. XXXX VXXXX XXXX XXXX XXXX XXXX Acct. No. XXXX for {$2700.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 8. XXXX XXXX XXXX XXXX Acct. No. XXXX for {$180.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX 9.  XXXX XXXX XXXX  XXXX Acct. No. XXXX for {$1100.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
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:
I checked my credit score and was shocked at the amount of unknown fraudulent accounts that were showing on my report. I was not sure how my report was compromised, but after performing some investigation, I became aware of my information being involved in several credit bureau breaches. Additionally, there are a few addresses on my credit report that are not associated with me. I am not sure how these addresses and breaches may have affected my report, so I decided to contact the credit bureaus for a more thorough investigation. I have not heard a response as of yet.

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 2022-12-02
Company: EQUIFAX, INC.
State: ND
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:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX DEPT OF ED/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: TN
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 filed a dispute with Experian to have a old apartment rental removed. I just received notification the dispute is going to stay on my credit report and Experian has now extended the removal date for 3 more years. I moved out from the Apartment house XX/XX/2014, the account is only being reported on Experian

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 2019-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these inquires on my report from XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Cap One ( XX/XX/XXXX ), Cap One ( XX/XX/XXXX ), Cap One ( XX/XX/XXXX ), Capital One ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). I reached out to these companies regarding my concerns about these hard inquires and I never heard back from them. These inquires are negatively affecting my credit and I would like for them to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: NAVY FEDERAL CREDIT UNION
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 have inquiries on my report from XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Navy Fcu XXXX XXXX XXXX XXXX all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation