BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
Company: Phoenix Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I, XXXX XXXX, a natural person have become aware of negative activity that was placed onto my consumer report by Phoenix Financial Service a third party debt collection company. 
Pursuant under 15 U.S. Code 1681b- Permissible purposes of consumer reports, I, XXXX XXXX NEVER granted Phoenix Financial Service permission to report any information onto my consumer report. 
I sent a letter ( see attachments ) via certified mail with tracking number XXXX to Phoenix Financial Service to let them know that I was aware of the reporting. 
This alleged debt was furnished onto my ( XXXX XXXX ) consumer report as medical information. This report has undermined my right to privacy under 15 USC 1681 ( a ) ( 4 ).

Phoenix Financial Service has since deleted the alleged debt from my consumer report by which admitting to willingly and knowingly breaking the law pursuant to 15 USC 1611. 
In the letter I ( XXXX XXXX ) sent to Phoenix Financial Service, I listed my remedy as well as attached an invoice for {$3000.00} for violating my rights pursuant to 15 US Code 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Atlanticus Services Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I've contacted Aspire twice by mail ( letters dated XX/XX/XXXX and XX/XX/XXXX informing them that I am having difficulty making payments as I have been furloughed from my employment due to the covid-19 crisis. I've told them I do not know when I will be called back to work and I am running low on my savings. I've offered to make a one-time payment of {$250.00} from my covid-19 stimulus payment if the balance can be considered paid in full. The account is closed and the balance due is XXXX. 

They wrote me back and said they would defer the XXXX payment however it was taken out of my account. I called them on XX/XX/XXXX and spoke to a representative who told me that no settlement can be made since the account is not in default. 

My economic situation is already dire and now they want me to be in default with potential harm to my credit before they can even accept my settlement offer? This is not good business especially in light of this national crisis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CL Holdings LLC
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: Account information incorrect

Complaint:
The debt collection company JEFFERSON CAPITAL SYSTEM continues to change the start date of the debt ... the XXXX XXXX debt was reported in XXXX originally ... I do not receive statementS from JEFFERSON CAPTAL SYSTEM monthly anymore ... they send a statement once every six months or so and then change the beginning date on my credit report to the date they have mailed the current statement ... this debt was supposed to be removed by XXXX XXXX in XXXX because the young men at the store ( a franchise ) were investigated for " improper account manipulation to gain commission '' and found to have fraudulently reported this information to XXXX XXXX ... Who in turn sold the debt to JEFFERSON CAPITAL SYSTEM ... 

I have not had contact with JEFFERSON CAPITAL SYSTEM since XX/XX/XXXX ... So they are incorrectly reporting of the beginning date of this debt ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: NJ
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:
My problem is with Experian Credit reporting company. I reached out to them on many occasions, but was finally able to speak to someone on XX/XX/2022 to find out why they have my credit score as XXXX while at the same time every other credit reporting company, ( ie : XXXX, XXXX, XXXX XXXX, and XXXX XXXX to name a few ) have my XXXXredit score in the XXXX range. Besides the fact that it is EXTREMELY difficult to navigate there automated prompting system to actually speak to someone, when I eventually got through to a representative, they were totally unwilling to correct the obvious flaws in their report such as limited credit cards, credit limits, unpaid debts, and available credit. All signifcant factors when determining an individual 's TRUE credit score. They seemed MUCH more interested in selling one of their products ie : Experian Boost. This reprehensible behavior in my opinion is nothing short of extortion!! Please help me and other susceptible consumers from this company and their unethical practices.

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 2017-04-18
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has been reporting to credit bureaus claiming that I owe a debt that I have no knowledge of. Despite my several disputes the company continues to report on my credit report monthly of a debt that they refuse to validate despite my several requests that have been sent certified mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the closing of our mortgage on XX/XX/2020 our estimated monthly escrow payments for our insurance and taxes was {$1800.00}. We received our first escrow analysis XX/XX/2020 and within that notice they indicate they have received the actual amounts for our taxes and they are lower than what they estimated ( Estimate : {$1600.00} monthly, Actual : {$1500.00} monthly ). As part of that Escrow Analysis they are asking us to pay an additional {$2700.00} in one lump sum or over 12 months. I reached out to Bank of America to understand why we're being asked to pay more when our actuals ended up being less than their estimates and the explanation was more of a regurgitation of the Escrow Analysis instead of  addressing the route cause that their initial calculation at closing appears to be a miscalculation on their part. The idea that your escrow payments need to go up even though your taxes came in below their estimates seems to be a miscalculation on their part at the onset of the mortgage or just a poor explanation of their escrow calculation process. 

Fortunately I am able to handle this financially, but I can imagine others that would go through something similar could struggle to pay if Bank of America is not properly explaining their escrow calculation prior to closing or just doing it incorrectly and creating these surprise additional payments. Also, could see how this could affect people that would want to plan and pay down their mortgage faster with additional payments, thus causing additional financial harm.

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 2020-08-13
Company: U.S. BANCORP
State: MI
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:
Inquiry from US Bank on US Bank DS Northeast. I dont not recognize this lender or giving authorization to perform a hard 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 explanation
Consumer complaint received 2022-01-29
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX, Jefferson Capital. First things first it is illegal to try an collect a debt for the original credit as the original credtor is reporting on my report. Two companies can not collect on one debt at the same time. Second I have mailed Jefferson Capital a refuse to pay and cease all communication with me. Third your document is in violation of the Fiar Debt Collection Practicies Act and the Fair Credit Reporting Act. I have attached the document you sent. Each violation is a thousand dollars. 15 U.S code 1692k Civil Liability Document Attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Today XX/XX/XXXX I received a copy of my XXXX  credit report from my dispute. I am uploading the incorrect information. First off this account has monthly payments each month. It is showing an empty box of no payment last received. 2nd issue isnt the last payment was not on XX/XX/XXXX I make payments every month. Next my balance is not {$4700.00} it is less than that.

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 2015-11-06
Company: WELLS FARGO & COMPANY
State: AK
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I was investigating the possibility of obtaining a loan for home improvement through ( XXXX ) your site and after submitting an inquiry I received a rejection notice. It also appeared on my credit report. I was only looking for the possibility of obtaining a loan and did not request one. Can you assist me in removing it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I deposited my XXXX  XXXX  check of XXXX dollars and XXXX cash into the atm. BB & T decided to hold all of the funds for 7 business and charged my account {$72.00} dollars in overdraft fees. They held my cash and did not even make it available. I went in to the branch and they reversed {$38.00} dollars. I 100 % believe this was not legal and I want all penalties reversed and returned to me.

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 2017-08-07
Company: Autovest, L.L.C.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I originally had an auto with XXXX XXXX for a XXXX XXXX XXXX. which was transferred to XXXX XXXX XXXX. I have asked Autovest for a break down of fees and have yet to receive. I even asked for a possible settlement but I wanted to see a break down of fees. I did receive a copy of the contract but nothing showing how much the car was sold for or how they came up with their their amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX has removed incorrect entry the report and the three major bureaus refuse to remove it from my report. I have long suffered from this willful violation of my section 604 rights for my fair credit reporting rights.

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 2020-08-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, Moneygram discriminated against me when I attempted to send {$200.00} USD to my uncle in the XXXX XXXX, XXXX XXXX. My uncle is a XXXX XXXX in XXXX and since the pandemic he has not been able to work. I was sending funds to help my relative. I sent the funds online and I received a XXXX XXXX. XXXX. I reached out to my uncle to collect the money. However, I received notice that my account was closed down. I called Money Gram for an explanation and they could not provide a valid reason for closing my account. The agent on the phone insinuated that I did not know the receiver. I told her multiple times that I knew the receiver. The agent was unhelpful and I am not satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-09-02
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX XXXX XXXX, NJ XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my year of birth & address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate year of Birth : XXXX I Demand Deletion of all these inaccurate addresses : - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 
1. My name is XXXX and should be spelled, FIRST NAME IS XXXX AND LAST NAME IS XXXX 2. My current address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

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 2020-10-15
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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX 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 2020-08-13
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1. I am writing to you today to resolve ALLY Bank ( XXXX # XXXX ) This account is related to XXXX XXXX XXXX, which was totaled XX/XX/XXXX. 
a. The vehicle was insured by XXXX and a checking for XXXX was issued to ALLY on XX/XX/XXXX. ( check # XXXX ) b. There was an unpaid balance which was subsequently paid by the GAP insurance ( Though some extensive efforts ALLY received SAFE GUARD check and I was told by their employee it will be back dated to XXXX ) c. ALLY Bank utilize the XXXX check for monthly payments thus showing continued payment on this loan. My last payment to ALLY was in XX/XX/XXXX. 
d. ALLY did not file for the GAP insurance payments until XXXX ( something they are responsible for ) e. Ally shows an incorrect balance on this account which should be XXXX and paid for without any late payments. 
f. I spoke ALLY many times in XXXX trying to resolve this issue while I was deployed. I subsequently email XXXX XXXX. XXXX XXXX Executive Officer and Director, Ally Financial Inc. with no response. 
g. I have contacted the three credit reporting agencies with supporting evidence and Ally subsequently place a higher balance on my account causing my credit score to drop several points.

2. Ally currently has two separate accounts on my credit profile XXXX ( showing charged off ) and XXXX ( showing late payments ) a. I had only one account with ALLY Bank! 
b. Together these two accounts have ruined my credit for seven 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 explanation
Consumer complaint received 2022-01-29
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Regarding buy out of a lease. I just received a charge of {$100.00} after a full pay out by XXXX XXXX XXXX XXXX XXXX was done back on XX/XX/2021. I talked to them too and they said they paid in full on XX/XX/2021. I was told by Chrysler Capital that it was a property tax bill from my state. Which state I don't know since the XXXX Account Number : XXXX was leased in Wisconsin but I moved to Texas and bought it out in Texas. I was told that Wisconsin and Texas do not have property tax on vehicles. If it was from the XXXX of Texas, Chrysler Capital should have known what the tax should have been at the pay out time. I also don't understand why I have such a bill so many months after my pay out back in XXXX. I did ask Chrysler Capital for the bill from the State but have not heard back from them. I don't understand why someone can bill you after a pay out has been made. Please check into this for me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: CO
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:
Experian should not be reporting a collection/chargeoff in the amount of {$900.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to continue to investigate this complaint. ) This account has been paid. I have attached a copy of the payment letter. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to remove this 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 non-monetary relief
Consumer complaint received 2020-08-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has blatantly denied my request to dispute this account showing an inaccurate payment status on my credit report. Ya 'll have accused me of being a credit repair company and denied my investigation request. That is NOT how this is suppose to be handled. According to FCRA I have the RIGHT to request that any information being reported on my credit report be 100 % accurate and verifiable and you have failed to do so. If my investigation request isn't taken serious this time I will be forced to notify the FTC and the attorney general to step in help with this issue. 

I have several closed XXXX XXXX XXXX accounts reporting 90 Day Late payments on XX/XX/XXXX. That is not possible because my students loans have always been deferred due to me being enrolled in school. I ask that you please delete this erroneous reporting. In the comment section of the accounts it also says, 90 Days Past Due or 90 Days Delinquent. I ask that you DELETE ALL of this incorrect  information. According to FCRA, incorrect or non-verifiable information cant be reported and shall be deleted promptly. 

I have a 30 day late payment being reported under XXXX XXXX XXXX XXXX on the month of XX/XX/XXXX. I was never late on this account and according to my credit reports, youre the only bureau reporting this late payment status on these dates. Please delete & remove the late payment status and put it back to current. According to FCRA, incorrect or non-verifiable information cant be reported and shall be deleted promptly.

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