BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Phoenix Financial Services on XX/XX/XXXX. I had the option to dispute the debt within 30 days. The letter stated " Date of Service XX/XX/XXXX you owe {$1000.00} '' On the bottom of the letter wrote " This disclosure applies to the account noted with ( * ) : " The law limits how long you can be sued on a debt. Because of the age of your debt, the creditor can not sue you for it. In many circumstances, you can renew the debt & start the time period for the filing of a lawsuit against you if you take specific action such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt '' I sent in the form disputing all of the debt in the 30 days. Phoenix sent back a letter on XX/XX/XXXX and thanked me for my inquiry and wrote : " This communication is from a debt collector '' " Enclosed billing statement provided by our client XXXX XXXX XXXX that confirms the accuracy of the information listed on the account. Should you have any questions regarding this account, contact the number below, and this closes the inquiry in our office. '' XXXX is the only CRA that shows a collection from Phoenix and now shows an account past due as of XX/XX/XXXX. On Record Until XX/XX/XXXX. 

Prior to this current letter, I had been contacted by Phoenix back on XX/XX/XXXX. My XXXX statement shows three payments, one for {$210.00}, {$240.00}, and {$5.00}, and I never received the validity or accuracy of the purported debt. I hope the CFPB can make sense of this so I can find the solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$550.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$650.00}

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 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
Experian has a paid car loan on my report thats in collections by error, the car was paid in full before it was sent to colloection, after speaking with the bank itself who agrees that it should not be in collection, i filed several disputes explaining this is an error, they still says is verified, i never recieved anything showing proof its verified, There is no dollar amount to collect wich it clearly says on the account, Spoke to bank several times and they are certain that they have not recieved anything about this and agrees it should not be there and needs to be removed from all three beuros, nor has Experian remove the past addresses from my personal information from my previous complaint, i need this account remove from all three beuros The accout # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Account I am disputing does not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, I have doubts about in the accuracy and the reported payment history on this account is a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX Balance : {$4900.00}

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 2023-02-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2023, {$7500.00}, I reported to my bank, and I contacted XXXX customer service to help, but they could not help me. My bank denied my claim and told me I authorized all these transactions. Which I did not. 

XX/XX/2023, {$15000.00}, I reported to my bank, and I contacted XXXX customer service to help, but they could not help me. My bank denied my claim and told me I authorized all these transactions. Which I did not. 

XX/XX/2023, {$18000.00} I reported to my bank, and I contacted XXXX customer service to help, but they could not help me. My bank denied my claim and told me I authorized all these transactions. Which I did not.

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 2023-09-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
No one is above the law. 
Any debt collectors have to obey the law, no matter how rich or powerful you are I want 100 % accuracies.

Permissible purposes, its there to protect consumers privacy. This company has not received and written consent from me the consumer or an order from the court to report this alleged debt. The law states anything that has been issued by the government and its related to me is my identity, such as ssn, address dob. I decide what can be reported or not. 
Therefore who transferred my information to a different company its illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please update this account ASAP.

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 2023-08-31
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the XXXX XXXX therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A Synchrony Bank / TJ Maxx Credit Card was opened in my name without any of my knowledge. The credit inquiry appeared on XX/XX/XXXX on my XXXX credit report and XX/XX/XXXX on my XXXX credit report. An account than appeared on my XXXX credit report on XX/XX/XXXX and on my XXXX credit report on XX/XX/XXXX. It appears the account was approved and opened on XX/XX/XXXX. I proceeded to lock my credit and instill a fraud alert on all three of my credit reports on XX/XX/XXXX. There appears to be a balance of {$380.00} on the card and a limit of {$1500.00}. All of which I did not apply for, authorize or make any purchases with. I believe have been a victim of identity theft and fraud.

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 2023-08-30
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting 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 called trying to figure out how did this company get on my credit report. I've never applied to this company and it hurt my score. But I was hung up on after I asked them to remove the inquiry.

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 2023-03-28
Company: Experian Information Solutions 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct the following items immediately : 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 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 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 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 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 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 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

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 2023-08-31
Company: Upstart Holdings, Inc.
State: RI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed on my credit report that they reported a half payment as 30days late on my report says I am behind {$13.00} XXXX then reached out and told them I was applying for a mortgage and it they could please remove that and they said no they would not work with me then I told them I am a XXXX XXXX  of the XXXX  and I was protected by the SRCA act and they still refused to work with me so now because of the 30 day late payment and such I can not get approved for a mortgage as I am a service member I am upset they will not work with me and total disregarded the SRCA act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I requested the reinstatement amount to become current. It was sent to me but the figures were acknowledged by Rushmore to be incorrect. There were fees that were paid on XX/XX/2023. Any time a loan is reinstated all fees must be paid in full. I asked that the fees be corrected so i could have to correct amount to send them. I was told they don't have time to make the correct adjustments before the foreclosure date. I was also told that even if i did submit a modification package, the investor would not accept it because i had a previous modification. In that last modification my payment went UP by over {$400.00} and my interest rate increase by 2 %. I was told take it or leave it. I thought a modification is supposed to help you. 

I HAVE WIRED THE REINSTATEMENT AMOUNT THAT WAS REQUESTED ; {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
Subject : Dispute of Fraudulent Inquiry on Credit Report I am writing to bring to your attention a fraudulent inquiry that has appeared on my credit report. I have no affiliation or knowledge of this company, nor have I authorized any credit application or inquiry with them. Below listed are the fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe this inquiry is a result of identity theft or fraudulent activity. As such, I kindly request your assistance in investigating and removing this unauthorized inquiry from my credit report. 
Please update my credit report accordingly and provide me with a revised copy once the fraudulent inquiry has been removed. Additionally, I request that you provide me with a written confirmation of the removal of the fraudulent inquiry from my credit report for my records. 
I would like to express my gratitude in advance for your assistance in resolving this matter. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to 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 non-monetary relief
Consumer complaint received 2023-09-04
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit 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:
so back on 2020 I stayed at the XXXX XXXX XXXX XXXX I had a price when I booked my hotel which I sent in all the proof to amex the hotel charged me XXXX over the price and the hotel claims its right and I have proof showing my booked charges which I sent to Amex and they still refuse to honor my dispute this hotel charged me XXXX over my price and I want that back. The hotel is wrong here and they completely overcharged me I tried to dispute this a 2nd time and amex closed my dispute wrongly saying that I closed I never did it close and when I call about they say they closed it because there was not enough info and when ask them what info they are talking about they can't explain I had a manager call me twice when I was at work to resolve this and they have not called back since I want the XXXX credit back on my account that amex overcharged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I received an email from the XXXX XXXX stating that my account would be billed {$410.00} unless I called XXXX XXXX to cancel. I did call, was given a cancellation code XXXX, and told that I would have to talk to another agent to finalize t his cancellation. That person said I had a credit of {$85.00} and that I had to go online to receive this amount. On their website, the entry for this {$85.00} credit added two zeros, so the amount was {$8500.00} - An obvious error. I received a phone call from XXXX XXXX XXXX that I had to return this amount, but it was reduced to {$7900.00} so that I had assurance that I would not be billed for the {$410.00}. I looked a my 2nd credit union account, and saw that {$8500.00} was illegally withdrawn. I was told on a another call from XXXX XXXX that I had to go to my credit union and send a wire transfer for {$7900.00}, and then I would be reimbursed for the {$8500.00}. I drove to the credit union office that same day and completed the forms for the wire transfer of {$7900.00}. XXXX then called again and said " people make mistakes '', and that I had to send another wire transfer to another routing number and account number. I refused to send him more money until I received the {$8500.00} back into my account.

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