BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: Phoenix Financial Services LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i notice a collection on my credit report on last month from PHOENIX FINANCIAL SERVICES about an alleged debt of XXXX that i do not owe and the repeated, harassing calls from them on XX/XX/2021, so i sent them a letter on XX/XX/2021 requesting documentation concerning the inaccurate item they are reporting on my credit in a timely manner. i do not know these people nor have dealt with them in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CBC Companies, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked XXXX XXXX, XXXX, XXXX and Factual Data to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX  Via Factual Data XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked XXXX XXXX, XXXX, XXXX  and XXXX XXXX to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX  Via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO 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 2016-07-28
Company: WELLS FARGO & COMPANY
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I filed Chapter XXXX bankruptcy ( XXXX ) and succeeded in getting XXXX student loans included and discharged based on undue hardship. The same month that I filed ( XXXX ), Wachovia changed the name of the loans and re-aged them to XXXX and reported this new information to the credit bureaus. When the discharge was final, ( XXXX ) the original loans were listed as " Included In Bankruptcy '', " Balance {$0.00} '', but I now had these re-aged, renamed loans on my credit report ; therefore, I still had the same student loan debt. 
When I wrote to Wachovia about the matter I was told student loans can not be discharged in bankruptcy and that Wachovia did what it was supposed to do.

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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked XXXX  XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA 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 2021-08-31
Company: Rocket Mortgage, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked Rocket Mortgage, LLC, XXXX and XXXX XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

Rocket Mortgage LLC Via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: MS
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:
My full name is still inaccurate on my credit report on Experian and I have tried several times to get it corrected. I have tried to get my name corrected by phone and mail with Experian. I tried multiple times in the year XXXX and my name is still inaccurate on my credit report. I only have one name. My correct name is XXXX XXXX XXXX XXXX. Everything else is inaccurate and incorrect. Having my name incorrect is causing me harm and problems. I have been receiving phone calls and mail for others with a similar name to these inaccuracies. 

The following below are the inaccurate names : 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 Requesting Experian to correct my name and remove all other inaccurate names immediately.

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 2022-04-14
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00}

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 2017-11-30
Company: Amsher Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I notified this company that this account does not belong to me and submitted a police report, which also proved this account is not mine, but they have not removed it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$14.00} ; XXXX XXXX  XXXX Balance : {$690.00}

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 2022-12-14
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After attempting to update my new phone number that I requested from XXXX because my previous phone number was receiving non-stop spam text messages and calls. I spent 2 hours speaking to various representatives at chime trying to update my phone number. I was told by a representative that I was being transferred to another department and then my account was suddenly suspended. I still cant access my account after 24hrs. Chime is in possession of my legally owned money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2018-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
I am requesting that PRA show the date of last activity. I have requested the last date of activity. PRA have omitted my request The last payment made to the original creditor ( OR ). PRA can only report this debt seven years from the OR date. P

RA can not re-age the 7 year report time.

PRA must show the date of last payment. PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One is attempting to collection on a debt not owed. I didn't know about this debt until I checked my credit. As soon as I found out about the debt I called and paid it immediately. I don't recall any statements, calls or notifications regarding this debt. I believe this violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXXTransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-08-31
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked Credco and XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

Credco XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2017-01-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX 2016 I pulled a copy of my credit report. I sent a certified letter to SYNCB/Walmart which was listed on my credit report on XXXX XXXX, 2016 which was signed for on XXXX XXXX, 2016. I requested validation of this account. On XXXX XXXX, 2016 I sent another certified letter in reference to the same manner. I pulled another copy of my credit report on XXXX XXXX, 2016 and noticed that this same company had not furnished the credit bureau 's with the required disclosure within the required period by law. I sent a certified letter on XXXX XXXX, 2016 to SYNCB/Walmart informing them that they had not furnished the credit bureau 's with the required disclosure, within the period required by law. Federal law requires them to place a " notice of dispute '' on my account within 30 days of my original dispute which they signed for on XX/XX/2016 certified mail. Copies of my credit report are enclosed with this complaint to show clearly that the " notice of dispute '' is not showing. This report was printed on XX/XX/2016 which is well over the 30 days that they had by law to comply with the federal law. SYNCB/Walmart is clearly in violation of breaking federal laws.

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 2017-03-07
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical Data Systems is a third paty collection agency that provide collection services for XXXX. My family was provided XXXX services at XXXX for my XXXX in XX/XX/XXXX. There was change in my insurance which caused some billing issues with XXXX and instead of providing me notificaiton they sent my account to collections in XX/XX/XXXX. I contacted Medical Data Systems after receiving a phone call and a notice in the mail regarding this account. When I contacted them they stated to me that they purchased the account from XXXX and were trying to collect a debt. My husband contacted XXXX on my behalf and XXXX informed us that they do not sell past due accounts to any company nor do they authiroze any collection agency to post negative remarks on creidt reports. XXXX reviewed the account with my husband and observed that billing errors did exist and they would have to resubmit the blalances to the correect insurance compnay. A dispute was filed with the three credit bureaus to remove Medical Data Systems from my creidt report. Due to new legisaltion purposed by the goverment pertaining to medical bills the collections accounts were removed from my creidt report on the basis that XXXX is still the legal owner of the accounts and that XXXX did not authorize Medical Data Systems to post negative remarks on there behalf. XXXX is still continuing to work on these accounts and the last contact with XXXX took place in XX/XX/XXXX in which the account rep still observed some issues with the billing and submitted all statements to my home address so that the proper appeal could be drafted to complete the billing process. Also XXXX has sent me an application for the XXXX which will take care of any remaining balances that may result from the billing issues which occured almost three years ago. 
After a recent check of my credit report XXXX has illegally resubmitted previously removed credit information back on my credit report. They are fully aware that XXXX still is the legal owner of the account and also XXXX has informed me that any account over two years old has been written off for that corresponding tax year. Medical Data Systems is still claiming that the account was sold to them by XXXX but XXXX has stated that teh account no longer exist and has been written off. XXXX has also stated again that Medical Data Systems has not been authorized to post negative remarks on creidt reports on behalf of XXXX. XXXX stated that the acocunts from XX/XX/XXXX have been charged off and the other remaining balances with them once the billing has been completed will be considered under the financial assistance program.

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 2016-05-24
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX was repossessed by Honda Financial Services on or around XXXX XXXX or XXXX. As soon as vehicle was recovered, I contacted the company to try to obtain vehicle back. The customer agent advised me of the payment amount due and when it needed to be paid. The amount need to be paid was {$3700.00} and need to be paid by XXXX XXXX according to the customer service agent in the recovery department. I obtained a check from my financial institution and had it sent via overnight delivery on XXXX XXXX, 2016. After following up with the company on XXXX XXXX, the company vehicle disclosed that they would send the release forms to the company XXXX XXXX located in XXXX, TX the same day, so I could arrange for pickup of my vehicle the following week. Monday XXXX XXXX, I contacted XXXX XXXX and told that they received my documentation but my vehicle was transferred to Auction on XXXX XXXX according to XXXX at XXXX XXXX, her number is XXXX. I contacted Honda Financial Services again because I could n't understand why they would arrange a payment and then send the vehicle to auction before the agreed upon date. I was also told by the agent XXXX and XXXX that I actually had until XXXX XXXX to pay the fee to recover the vehicle. my vehicle is currently still at the auction location and I am trying to work out a time to retrieve my vehicle. All of my personal possessions have been removed from my vehicle and I was never provided any notice about any of these proceedings or what I could do to remedy this situation. I am also a servicemember with protection under the Servicemember Civil Relief Act, I served for 12 years, but recently separated in XXXX to move into the XXXX Component. I know there are laws to protect servicemembers, but my biggest issues revolved around not being able to recover my personal belonging and remitting a payment for a vehicle that was sent to auction after it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My loan was sold/bought by MrCooper with my first payment to them being XX/XX/2021. I have made my payment since XXXX, in full and on time each month. I keep getting all kinds of pressure notices of rates I can use to redo my mortgage because I have equity. I have never responded except to ask them to stop sending me an email each day of the week. This took about 4 tries before they then started mailing me letters instead. 
They have recognized me in that instance, but has never updated the balance I actually owe with any of the credit reporting agencies, so that my credit can be impacted in a positive manner, even though I am paying. I monitor my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: KY
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 contacted you over 15 times you tell me why the XXXX never gets fixed

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 2022-04-14
Company: EQUIFAX, INC.
State: KY
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 contacted you over 15 times you tell me why the XXXX never gets fixed

Company response to consumer: Closed with explanation