BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account Resolution Services, LLC received my Cease and Desist communication on XX/XX/2021. They were to stop reporting this invalid debt and never stop reporting the information. Account Resolution Services, LLC never verified the debt nor did they produce an agreement that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Account Resolution Services, LLC investigative process and for them to provide the agreement under penalty of perjury. Account Resolution Services, LLC was supposed honor my cease and desist order for ALL communications, but the company stated that reporting to consumer reporting agencies wasn't considered communication. As a debt collection agency, Account Resolution Services, LLC should be aware that communication is defined in the FDCPA as the conveying of information regarding a debt directly or indirectly to any person through any medium. Isn't Account Resolution Services, LLC conveying information regarding an alleged debt to a person or persons known as a consumer reporting agency through a medium known as my consumer report? This is a violation of the FDCPA under 15 usc 1692c ( c ). Account Resolution Services, LLC also said that another company " referred '' the alleged debt. I challenge Account Resolution Services, LLC to provide proof of this " provider agreement '' under the penalty of perjury. I would like to bring to Account Resolution Services, LLC 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Because of Account Resolution Services, LLC failure to follow my cease and desist order and their multiple acts against the FDCPA, I will be pursuing remedy for all injuries against me pursuant to 15 usc 1692k. I demand deletion of this account and the companies bond information. This is complete FRAUD. I have attached the proof they sent which was nothing but a account number. This debt has been continued to be reported inaccuracies have been ruining my reputation and left me unable to purchase a home or a vehicle. Laws like these were made for consumers not to be took advantage of and if you just look at the proof provided by Account Resolution Services, LLC you will understand that I am probably not the only consumer life they have harmed. Publishing deceptive forms and continue reporting for 11 months almost a year after receiving the cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX  CONTINUE TO REPORT ON TRANS UNION ALTHOUGH OTHER 2 CREDIT BUREAUS HAVE REMOVED THIS. PLEASE HELP WITH TRANS UNION REMOVAL.

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 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Federal XXXX judge denied Bank of America motion to dismiss my wrongful foreclosure adversary and clearly ruled that Bank of America and XXXX XXXX XXXX were untimely initiating foreclosure on XXXX 
The judge has made a very detailed finding of fact, with day by day accounting, that clearly shows that Bank Of America and XXXX XXXX XXXX untimely initiated nonjudicial foreclosure. 
The attorneys/parties to that litigation did not appeal the courts decision, and under this court order and the doctrine of Stare Decisis they can not restart the same foreclosure without a court permission. 
The state court is bound to the federal court decision. 
The attorneys and their law firms are liable if they ignore federal court ruling and a finding of fact by a federal judge if they intentionally untimely initiate foreclosure. 

On XX/XX/XXXX attorney XXXX from XXXX XXXX foreclosure XXXX and attorney XXXX from XXXX XXXX foreclosure XXXX restarted the same untimely foreclosure and recorded an irregular Amended Notice of Default explicitly stating that it is solely for the purpose of setting a new sale date under the previous Notice of Default recorded on XX/XX/XXXX that was ruled to be untimely by this courts XX/XX/XXXX order denying the defendants motion to dismiss the wrongful foreclosure adversary. 
And, also recorded in violation of the XXXX automatic stay that is still on. Even though the XXXX was dismissed on XX/XX/XXXX it has not been closed, and it is still active and Bank of America attorney has just filed an objection to the XXXX Trustee Final Report and theres no court order lifting the stay. 
The same defendants attorneys that were personally present in all the hearings in which this court clearly stated its serious concerns about their untimely filing of the XX/XX/XXXX NOD ( calculated by this court to be untimely as of XX/XX/XXXX ) brazenly filed again under the same NOD on XX/XX/XXXX thinly veiled Amended NOD, without providing any Alaska statutory support.

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 2021-07-08
Company: Benworth Capital Partners LLC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX of this year my account was locked due XXXX XXXX  not accepting ACH PAYMENTS which I was told they were they then closed my account a month later which was XX/XX/XXXX took a long time to respond back to my email I have them my personal information thinking I was going to get it resolved never did they kept saying check my account for a update nothing. So I took it to the XXXX  they couldn't help me. It's. They told me to contact the depositor which was BENWORTH Capital LLC they don't respond all phone lines are always busy and I'm struggling I have no money to pay my bills or nothing. Someone needs to do something about BENWORTH I was told after the fact my money was froze that they are a fraudulent lender. My checking has {$390.00} my savings is {$2100.00} and can't get to it. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Recently l was reimbursed fees that were charged by an Equity Accelerator Program. This refund prompted me to look into other accounts to see if there was discrepancies with the fees that I have been charged. I discovered a ton of fees that have been charged to me by my mortgage company Nationstar. In the month of XXXX XXXX I was changed XXXX fees of varying amounts. In XXXX XXXX I was charged XXXX fees of varying amounts and in XXXX XXXX I was charged XXXX fees of varying amounts. There are other months in which I was charged just XXXX fee, but the amounts always vary. When I contacted Nationstar I was originally told that the fees XX/XX/XXXX stemmed from a missed payment in XXXX XXXX. I was told that only a principal payment had been received. When I pointed out the fact that the history shows a regular payment and a principal payment on XXXX XXXX, XXXX the story changed. The next explanation that I was given was related to the bankruptcy that I filed in XX/XX/XXXX. I was told that I missed payments in XX/XX/XXXX and XX/XX/XXXX and that the fees that I am being charged in XX/XX/XXXX and XX/XX/XXXX are related to those missed payments. When I pointed out the fact that my mortgage has only been with Nationstar for 39 months but that I am charged XXXX fees I was told that I was misunderstanding the charges. Well I do n't understand the charges. As I stated my mortgage is paid through an Equity Accelerator Program. I ca n't remember when I started the current program because I had had it set up through XXXX XXXX prior to my mortgage being sold. I attempted to speak to Equity Accelerator and they advised that due to a system upgrade I am not currently able to review my transaction history. Any questions can be answered by a representative. When I spoke to the representative she referred me to Nationstar. I am getting the run around here and I need to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are claiming I owe money to Credit management LP a collections company attempting to collect on a debt for an account with XXXX from years ago. I have never in my life had an account with XXXX until about 3 months ago I got internet from them. Ive tried to have them remove this from my name but its still on there and XXXX XXXX will not remove it from my credit report until they verify it with them and its negatively impacting my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: GA
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:
I am XXXX XXXX I was looking over my credit reports and I see All three credit bureaus marked me as late on both XXXX  XXXX accounts on XXXX XXXX. According to law 15 USC 1681 ( A ), you are not supposed to do this.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Despite my initial communication, TransUnion has not responded, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$26.00} ) is incorrect. I request TransUnion to correct this inaccurate information on my credit report. 

The accounts XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$680.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$600.00}, Original Creditor : XXXX  do not belong to me. I request TransUnion to remove them from 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 non-monetary relief
Consumer complaint received 2023-02-15
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a Notice to Dispute & Debt of Validation of the alleged unpaid debt to the third party debt buyer company, Bonneville Billing & Collections , XXXX., whom has served me service of summons that also stated the debt was assigned from XXXX XXXX XXXX XXXX ( XXXX ). I am requesting the following demands to verify the validity of this matter. Upon discovery from service of the summons, it has come to my attention that Bonneville Billing & Collections , XXXX. states that I owe the principle remaining balance of {$12000.00}. It also states that upon discovery from service of the summons Bonneville Billing & Collections , XXXX. was assigned the account from XXXX XXXX XXXX XXXX on XXXX21.  Lastly, showing upon discovery from service of the summons that Bonneville Billing & Collections , XXXX. states they are collecting the alleged debt on behalf of the original creditors, XXXX XXXX XXXX XXXX. I am requesting for the following as I am not implying to run from my obligations, but to show the Validation of this alleged Debt as the company stated I owe. 

-Identification and attachments of forward flow agreement between Bonneville Billing & Collections , XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX ) -Identification and attachment of statement and files from record keeper of business. 
-Identification and attachments of any written instruments on which this allegation is based, as per Civil Rules, or explanation of its omission as required in Civil Rules. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: World Acceptance Corporation
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
When this happened I did not have a valid ID to get a loan. I could not even cash a check from my work. How coud I get a loan With out a ID/valid ID? I do have a picture of my papper work from when I was able to get a valid Id. My new ID was issued XX/XX/XXXX. My old ID expired XX/XX/XXXX. with in the time I could not get a new ID due to I did not have a Birth Certificat and dont know mothers maden name. This is not mine! and it has been holding me back for to long... I want it removed. ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: PA
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:
New and updated information I recently pulled my credit report, on XXXX XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to Experian and XXXX on XXXX XXXX and every 30 days up until present XX/XX/2023. I asked the bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. The collection account is still reporting as OPEN but it's a COLLECTION and how can a collection be LATE 120 DAYS if it is a collection account with a PAST DUE amount. On Experian the account is listed as a collection account with a derogatory status and on XXXX it is listed as an open account Late 120 days with a pat due balance of {$680.00} This is proof that it was not properly investigated. This is a violation of ( 15 ) U.S. code 168i ( 5 ) by law any inaccurate information is to be removed immediately. 

Experian XXXX XXXX Account : XXXX Account type : Collection Payment status : Collection/ charge off Account Status : Derogatory Experian XXXX XXXX Account : XXXX Account type : Open Account Payment status : Late 120 Days Account Status : open Can someone please assist me with this matter Thank you.

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 2023-08-15
Company: EQUIFAX, 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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to address the erroneous reporting on my credit report. Transunion had a public judgement ( they finally removed ) and other items that are not accurate. I have called them last year several times to request and correct my name and addresses. I have asked for a copy of my report via phone rep. over 3 weeks ago since I am not given access online with any credit report.com that allows viewing. I still have not had my request fulfilled. Transunion is not VERIFYING what is being reported and this is extortion and defamation of character. It has come to my attention that my XXXX is being used and non affiliated 3rd parties whom I HAVE NOT given written authority to are making malicious accusations on my credit. Tis is causing my extreme financial hardship, it threatens my housing stability, my peace, violates my consumer rights that protect me from such abuse. My identity has been reported as stolen and I asked that my file be blocked and suppressed XX/XX/2023. I have not had 1 communication sent verifying the accounts, inquiries, names and addressing that I believe is still on my credit profile XXXX, AND XXXX. Are also violating me the same way. I want to see verification done and sent to me by the CRA 's, if not verification is found I want it deleted.

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 2016-12-12
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have called Fulton Bank 4 times over the last 6 months to close the credit card account of an estate for which I am the executor. Each time, I am told to provide the death certificate and proof that I am executor, and to call back a few weeks afterwards. Each time, I have faxed the requested documentation, and called 3 weeks later, only to be told that they do not have the documents. The last time, they said they got the death certificate but not the proof I am executor. I have faxed the Letters Testamentary from the Surrogate of XXXX County ( stating I am executor ) several times. I have had enough of their incompetence. Every other creditor has been easy to work with and closed the account/credited any interest since the deceased 's date of death. I have no idea why this company can not improve customer service for those who have lost a friend or family member.

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 2023-05-23
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:
Please remove these account as these are not mine and never will be. I coordinated with them and give them everything but they're not removing this as per FCRA 605B, these accounts must be removed.

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 2021-07-08
Company: Alorica 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:
There is loan showing on my credit that does not belong to me. I have submitted 2 disputes with XXXX  on XX/XX/21 and XX/XX/21. Each time they have completed and closed their investigation confirming the account belongs to me. No information is being provided to me to confirm this debt is mine. I have contacted the company XXXX myself via email and calls. Over the phone they have not been able to locate an account with my personal information. I sent an email, no response. I contacted the XXXX  on XX/XX/21 with no response from the company. I dont know how else to let XXXX  know this account does not belong 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 2021-07-07
Company: LEXISNEXIS
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone applied tons of loans in my name and open up few fraudulent accounts in my name and I keep getting rejected for a recent loan in my name and I cant get a copy of my credit report and they dont have a human phone number to call and I would need some help with that if possible I tried everything to get help and I would like to dispute in the inquiries and phone numbers on my credit reports I was told there were a recent number change on my credit report I never changed my number I also have another issues the creditor cant verify my identity if I were to open up a account such as banks credit cards or produce any security questions

Company response to consumer: Closed with explanation