BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/20 Phoenix financial services added ( 2 ) seperate entries to my XXXX  credit report. They were listed as new, origin date XX/XX/20. My credit score dropped 25 points. 
On XX/XX/20 Phoenix financial services added another entry to my XXXX report, again reporting the origin date as XX/XX/20, dropping my score a total of 59 points. 
The entries listed the original creditor as XXXX XXXX XXXX of XXXX PA for XXXX each. 
I have not lived in nor visited a hospital in XXXX for several years. It appears that Phoenix financial services purchased an old debt ( if in fact the debt ever existed ) and attempted to present it as new, directly against the FCRA. 
I am disputing these entries with both credit agencies, however, Phoenix financial services practices are illegal and in direct violation of the FCRA so I felt it my duty to report that they are not only breaking, but flaunting the laws put forth regarding consumer protection regarding bill collection, especially medical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Purchased vehicle XXXX XX/XX/XXXX from Drive Time located in XXXX Florida due to having no established credit. XXXX of Drive Time 's key selling points is that they reported to ALL XXXX credit bureaus monthly and this would help to establish, build credit history & rating. Payments were & have been being made as contract specified. I created a XXXX account a few months ago to keep track of credit and realized that Drive Time had stopped reporting my payments since XXXX XX/XX/XXXX. This caused my credit score to drop significantly. I immediately contacted Drive Time concerning this issue and was told there is a glitch in there reporting system to the credit bureaus. I stressed to Drive Time that this issue was causing a derogatory reflection on my credit. Drive Time stated they would hopefully have the issue corrected within 30 days. I filed a complaint with the BBB on XXXX/XXXX/XX/XX/XXXX located in Arizona where Drive Time 's corporate office is located. I have yet to hear from the complaint and it has been over a month. Drive Time did finally report to XXXX a partial payment history reflecting til XXXX XX/XX/XXXX but did not report to XXXX and I 'm not sure about XXXX. The payment history is missing for XXXX XXXX XX/XX/XXXX thus this is still affecting my credit score. Drive Time has not made an effort to contact me in regards to the complaint filed. I believe that I was given false advertisement & sales practices. I would like a representative of Drive Time to contact me in regards to this serious issue and resolve this matter immediately. I have been working very hard with building my credit & this issue has caused unnecessary time & financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never had an account with this company and filed a dispute with all credit agencies requesting it be removed. A Cease and Desist Letter was sent on XXXX/XXXX/XXXX as it appears to be a former account but is well over the principle amount owed. 

My credit reports note the debt is disputed and I have not been informed of the terms associated with this debt. 

On XXXX/XXXX/XXXX, The Consumer Financial Protection Bureau issued an enforcement order against Encore Capital Group , Inc. headquartered in XXXX XXXX, Calif. And its subsidiaries, Midland Funding LLC , Midland Credit Management , and Asset Acceptance Capital Corp.The XXXX can be found at the following link : : XXXX In XX/XX/XXXX, I had been cleared for bankruptcy after employment loss and medical issues and due to possible identity theft and issues with my bank account, I was forced to delay filing. 

I informed all of creditors of my employment loss and that I was not refusing to pay any valid debts. I regret not being able to pay the original creditor and settled with those in which I was financially able to pay. I have reconsidered filing for Chapter XXXX and will file within the next 6 months. 

I have consulted an attorney concerning a possible lawsuit in this case given bogus debt collectors and unwarranted fees I never owed are the reason for my current financial situation and I find it especially distasteful to hit people when they are most vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there is an account that continues to report on my credit file from XXXX acct # XXXX and XXXX # XXXX also known as XXXX # XXXX after this acct has been established with the other credit bureaus and the companies to be fraudulent ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
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: Information belongs to someone else

Complaint:
I reached out to TransUnion via mail on XXXX XXXX. I have previously opened a case against them because it has been well over 45 days and they are continuously giving me excuses and are not removing incorrect information. 

I received a response from TransUnion with case number XXXX that basically said they 1. XXXX DID receive my original correspondence on XX/XX/2020 ( delivery stamp ) and it took them extra time to process ( 15 days ). How is this in any way helpful or my fault? 
2. TransUnion DIDNOT confirm, verify, or delete any of the information i requested. This is against the law and TransUnion should be fined {$1000.00} for each account they are reporting incorrectly. 
3. TransUnion suggested that if something is appearing on my credit report incorrectly i should contact the creditor of the closed account thats showing delinquent that is not mine? 
This statement alone breaks so many laws. TransUnion is obligated by law to verify each account on my credit report. In addition they are obligated by law to remove ANY account that is not 99 % accurate from my report. Furthermore, TransUnion is violating the FCRA consumer rights by neglecting my request and openly breaking the law multiple times. 

I have attached my first letter dated on XX/XX/2020. TransUnion needs to do the math and realize they have gone way beyond the window of investigation. This none sense needs to be deleted immediately. 

I do not want to hear any excuses.

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 2016-03-10
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of XXXX, I contacted Quicken Loans to inquire about a home loan to purchase a home for my family to live in Indiana. I was working with an individual names XXXX XXXX from Quicken Loans. During the process, I honestly disclosed to them that I had filed bankruptcy in XXXX of XXXX, and the Bankruptcy was discharged in XXXX of XXXX. 
XXXX XXXX stated that that should not matter, and that I was approved for a home loan. Weeks later, after I had my hopes up about being able to buy a house, XXXX contacted me, and stated that he now could not be able to approve me for a loan, because the bank that owned the loan on the house had not yet completed the foreclosure as indicated in the bankruptcy. XXXX stated that he would be able to approve me in a year, and to re-contact Quicken Loans in XXXX to re-start the loan process. 
I re-contacted Quicken Loans on XXXX/XXXX/XXXX, and have been speaking with XXXX XXXX from Quicken Loans. I explained to them what I was told by XXXX XXXX XXXX. Quicken loans is now stating that they will not be able to approve me for a loan, despite me being told by XXXX of their associated that they would be able to approve me. XXXX XXXX XXXX XXXX works for Quicken Loans, and when he tells a consumer something, he is speaking on behalf of Quicken Loans. It is illegal for a company to tell consumers something that they can not or or not willing to follow through with. I would like for someone to look into this, and hold Quicken Loans responsible to follow through with what their associated stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off my daughter 's car loan. The company insisted in splitting the payoff into multiple transactions. The loan was paid off as a cash advance from my credit card company instead of as a credit card transaction as i had been led to believe. It was not explained to me that i would be charged a fee for each transaction. The fees charged by Barclay on my AAdvantage Mastercards totaled {$330.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPENT THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-08
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I still not getting my question answer! 
I do not want to remove him if I dont have too! 
According to him he is done and signed all documents court order, warranty deed as you ask for! My question is this according to XXXX  and XXXX rules we can do a loan modification with out XXXX XXXX! The law changed for us because of lenders like you!! I am attaching proof of the law! I need answer why you are not abiding to this law??? I just want to do a modification on my house and move forward ti my credit is good and move my loan somewhere else! You have been so stressful and difficult in my life that I lost my hair and making my health even worst!!! See attached documents

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 2022-09-17
Company: PNC Bank N.A.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of a scam for purchasing a piece of heavy machinery. I wired {$27000.00} from my bank account at XXXX XXXX to an account at PNC Bank. I talked to an agent at PNC Bank and they said they couldnt do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Comerica
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Money was STOLEN from my account and my dispute was denied. I was told to find and go after the thief myself. Who is now an EX XXXX employee. My card was input manually 9 times total, all separate transactions, in the time span of 2 hours, for a total of {$1100.00} stolen. My card was ran until declined because they withdrew ALL of my funds. Now Direct Express/Comerica refuse to do the lawful thing and their suggestion is to contact the THIEF?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: PHH Mortgage Services Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH created fraudulent loan history to force foreclosure/eviction on us, we 've proven payment for the loan of {$15000.00} PHH wanted us to sign, we paid XXXX Bank in cashiers checks, we did not owe PHH. We are missing {$35000.00} in payments, all cashed by PHH. I have proof of all of this..we were also part of the {$6.00} XXXX settlement only for PHH to foreclose/evict anyway, PHH did not follow the NJ XXXX stipulation to apply all our payments, remove fees and bring us current. PHH " somehow '' managed to evict us ... someone is on the take, payoffs, something is WRONG here, how could we pay and still get evicted???? PHH took our credit, our money, our home, our chance for retirement and our lives ... I want it back!!!!! I have many documents to prove theses statements including an offer from PHH for {$50000.00} over the redemption cost ( we were denied redemption ), and we had to sign an agreement to not sue, be part of a lawsuit or hold PHH accountable in any wrong doing. PHH evicted us while I was completing XXXX treatments ... .can you say scum of the earth? PHH needs to be held accountable for what they have done and are continuing to do to homeowners. We had trouble from the day we signed our mortgage, we were never in a modification, did n't need one..we needed PHH to apply payments they cashed. We had no problem paying our payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had money taken out of my debit card for the amount of {$2500.00}. My phone had been stolen with other items and they are not willing to work with me for that amount. I sent them a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
The information on the entry for the XXXX account is incorrect. This account had been reflecting on Experian for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00} Balance Due of {$0.00} ( " - '' ) and Past Due of {$0.00} " - '' ). The " Status Updated '' date reflected a date of XX/XX/XXXX. I also received a XXXX in XX/XX/XXXX for the same account and recently requested another copy of the same XXXX. In early XX/XX/XXXX I tried to get my mortgage refinanced and my Experian credit report was updated approximately 4 days later by XXXX to reflect an older " Status Updated '' date of XX/XX/XXXX. In addition the XXXX entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My Credit Score also dropped over XXXX Points and prevented me from refinancing my mortgage. I immediately sent a credit dispute letter to Experian indicating my Credit Report information was incorrect and out dated ( i.e. the older " Status Updated Date '' changed from XX/XX/XXXX with the correct information to a " Status Updated '' date of XX/XX/XXXX with INCORRECT information. However, this dispute to Experian resulted in no change to my credit report. I then called XXXX directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the Credit Reporting agency ( Experian for resolution ) I sent another dispute to Experian with copies of the '' before '' and " after '' credit reports ( with one copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the XXXX issued back in XX/XX/XXXX but got the same result. No correction updates to my Experian report for  the XXXX account. This information remains out of date and incorrect. This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations. Please Help me either get this XXXX entry either deleted or updated back to XXXX out balances and past due amount. This entry is now one month from being 6 years old and had been reflecting positively with a Paid Status, was charge off and XXXX past due for 5 years.

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 2022-09-17
Company: OPORTUN FINANCIAL CORPORATION
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:
To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error.

In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,

Company response to consumer: Closed with non-monetary relief