BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: DC
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:
Dear CFPB, I am filing a formal complaint under 15 USC 1681 and the Fair Credit Reporting Act regarding violations of my rights by consumer reporting agencies. As a natural person with federally protected consumer rights to privacy and confidentiality under 15 USC 1681, I demand the immediate deletion of the following accounts on my credit report, as I did not give permission for them to be furnished : XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX According to 15 U.S.C. 1681 section 602 A, I have the right to privacy. Additionally, section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions, and section 1681c ( a ) ( 5 ) prohibits any consumer report containing certain adverse items of information, including those antedating the report by more than seven years. 

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), as I have noticed multiple billing errors that have not been properly reflected on my statements. I demand to see hard proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. The items listed below should all be updated as agreed on my consumer report : XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX  Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX  Act. # XXXX If these accounts are not updated immediately, I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX ( ACCOUNT # XXXX ) XXXX BNK ( ACCOUNT # XXXX ) XXXX ( ACCOUNT # XXXX ) XXXX PREMIER ( ACCOUNT # XXXX XXXXXXXX XXXX ( ACCOUNT # XXXX ) XXXX ( ACCOUNT # XXXX ) XXXXXXXX XXXX ( ACCOUNT # XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-05-02
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Merchants Credit Association has not properly informed me of debt owed, documentation of debt, or right to dispute debt. I received phone calls from Merchants Credit Association beginning on XX/XX/2023. I did not receive any voicemails, nor did I receive any written or email correspondence about debt owed. After several missed calls over several days, I gave Merchants Credit Association a call back on XX/XX/2023 and requested that they send me documentation in writing to my current address. I have not yet received this documentation. They tried to pressure me on the recorded phone line to say how I was going to pay the debt without providing me any information on the debt. 

As it turns out, I need to dispute the debt because I do not owe the debt. I was never informed of the amount owed that XXXX XXXX has claimed that I owed them and I was not given proper notice via any form of correspondence other than my student email address, which I did not use at the time as I was not taking courses there. I have submitted a petition through XXXX XXXX to have the erroneous charges dismissed.

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 2022-11-12
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I disputed a transaction through chime because I never received my ordered goods from XXXX. This was a month ago, and I still havent received my goods. The charge was for {$280.00}, and chime closed my dispute after a week and I lost. Im pretty sure the person who did my dispute ( over the phone ) didnt properly dispute the charge. They probably either didnt put enough info or reported it as a unauthorized transaction. This is completely unacceptable being I did not receive the goods I paid {$280.00} for my name is XXXX XXXX, my phone number is XXXX, and my email address is XXXX. Contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Moody, Jones & Ingino, P.A
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This antagonist unknown third party debt collector is threatening to come after me for an alleged debt that is voided due to the nature of it cause, intention, definition, what constitutes a default, and the most importantly, DISCLOSURES. The XXXX word of default means de+ fallere, meaning " to deceive '', '' to cheat '', or " to lead astray ''. In a financial sense, the actual meaning is to deceive or lead astray a potential borrower. This unknown third party are doing business as MOODY, JONES & INGINO, PA. I expressed to them a " Cease and Desist '' notice & an Identity Theft Report and they are still harassing me. I will like to sue them for actual damages for the voided principal and security agreement, harassing me, not being conspicuously and clearly with the disclosures, the penalty for the violation of all Provisions and not respecting my mind. The federal Act of the disclosure requirements under the Truth and Lending Act and Regulation Z are governed by the XXXX which is part of the Consumer Financial Protection Act of 1968, amended. The controlling law in the area of disclosures is the " TILA & Regulation Z ''. The original creditor ( XXXX XXXX XXXX XXXX ) failed to comply with this federal law as well as this third party. The law is the law, which was broken. A federal law that was made by the Congress and the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Flagstar Bank regarding their irresponsible handling of my escrow mortgage account. Specifically, I would like to bring to your attention the bank 's poor management of funds and the unfair financial burden they have placed on me. 

On XX/XX/2023, Flagstar Bank dispersed funds for taxes in the total amount of {$3300.00} from my escrow account. However, they failed to properly plan for the future, leaving my escrow account completely empty after the disbursement. Then, on XX/XX/2023, the bank charged me {$2500.00} for an escrow analysis, despite knowing my account was empty. To make matters worse, Flagstar Bank is now seeking reimbursement for this fee by increasing my mortgage payment by {$200.00}, which is an unfair financial burden for me. 

I have already spoken to several supervisors at Flagstar Bank, but none of them were willing to help resolve this issue. The bank 's actions have left me frustrated and financially vulnerable, and I believe their behavior is unacceptable. 

While I understand that my homeowner 's insurance increased from {$750.00} to {$870.00}, I believe that the increase of {$22.00} per month in my escrow payment is reasonable and logical, as it is a result of the increased property tax rates in my area. However, I do not believe that I should be responsible for reimbursing Flagstar Bank for its poor planning and the unnecessary escrow analysis fee. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i ask the company for information and they didn't send the information to me and this has been sent 2010 then the tell me that the will not sue me or report it to the credit report agency i don't know what kind of loan it is credit card or a loan. the way my credit was mess up there is no way i could of got any credit from anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT ED/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-30
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Dear CFPB, I am sending this email in regards to a dispute against the company Coinbase.com - in a last resort attempt, to receive assistance to my hostage held portfolio. On numerous occasions, I have attempted to communicate with Coinbase via their phone lines- which just goes round and round in loop-cycles advising you to email support. 

Email support has been emailed over a handful of times, with ZERO communication back. While I understand investigations take their time, I also understand how racketing is performed and right now it's not looking ethical. Hundreds of individuals online are in the same situation as I am - and nothing gets done. 

If this situation is not internally resolved within an appropriate timeframe, I have no other choice but to go through XXXX and use all my resources to get to the bottom of this. XXXX XXXX XXXX ( XXXX : XXXX ) can also have a piece of this given the jurisdiction. 

On numerous occasions, I have always complied with any requests Coinbase had. I have verified my identity in full under the updated KYC procedures. I have security enabled and never violated any terms of service - simply ignored for months on months. 

I demand Coinbase provide clarification on why they have held my account hostage for over 6 months without any communication to justify holding my {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX Account number XXXX, Paid before colections, paid as agreed, and current. PLEASE DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: SANTANDER HOLDINGS USA, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Santander Consumer USA has continued to report a closed auto account on both my XXXX and XXXX credit reports. The account was charged off as of XX/XX/XXXX and report a charged off account until XXXX of XXXX. This is misinformation and re-aged my account which has negatively impacted my credit score. Santander Consumer USA not only has continued to reage my account they are not reporting the same original charge off account across all three of my credit reports. Santander Consumer USA is reporting a charge off as of XX/XX/XXXX and not monthly on my XXXX report. I have filed mulptole disputes regarding this matter however no action has been taken. This is illegal act and has detrimental to my credit score. Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change.

Also, my payment history between my credit reports do not match. I have brought to this to the credit bureaus attention multiple times and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX at Discover XXXX XXXX has committed XXXX violations, placing paid payments for a few Months trying to maliciously sabotage And reset the XXXX year claim on a charge off account and has not answered to that complaint at all and he had discover card have their fake XXXX firm slash collection agency threaten me with a letter demanding over {$1000.00} more than I owe discover card and has not responded that complaint either he keeps lying and closing the cases as a duplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

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 2023-10-28
Company: United Built Homes LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Requested information to pay off homeXXXX Received first incorrect payoff statement-XXXX. This was incorrect because of the amount of interest due, an item called " Funds owed by borrower '', and because the amount of taxes paid by the lender. The lender is also the home builder and paid taxes on the property but paid them late which resulted in late fees. 

Since XX/XX/XXXX we have received multiple payoff statements. United Built Homes ( UBH ) has not responded to requests for an explanation of Funds owed by Borrower, has not stated if they will pay for late fees due to their late payment on property taxes, and on the most recent payoff statement, UBH has included insurance and property taxes with these disbursement dates : property taxes XX/XX/XXXX and insurance XX/XX/XXXX. We were told in email to disregard the insurance, but the most recent payoff statement does not reflect this. I have asked for documentation from UBH that the current year 's taxes have been paid and have not received this, and the county website ( last time I checked ) does not show these taxes as having been paid.

It is documented in email that I have requested accurate payoff statements multiple times. Further, I have sent two wire transfers dated XX/XX/XXXX and XX/XX/XXXX that when combined amount to the cost of the home with taxes that were paid for XXXX minus the late fee incurred by UBH, though UBH is including this amount in the payoff statement.

UBH is currently stating that they are refusing these wire transfers, but I confirmed, through speaking with my bank, that as of today those transfers were not rejected or returned. That money is no longer in my account and has not been since the dates listed above. However, UBH has not updated their payoff statement and we consider the most recent payoff statement to be inaccurate and to include interest and charges that we either have not received explanation for from UBH or is simply inaccurate.

Further, we do not consider the work on our home to be complete as outlined in our agreement with UBH and communication with UBH employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX mail : XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation- reference # XXXX Dear Sir or Madam, I am writing to request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) , 15 U.S.C. 1692g. I recently received a collection notice/communication from your agency dated XXXX XX/XX/2023 regarding an alleged debt in the amount of {$1600.00}. Please note that this is not a refusal to pay, but a request for validation. Pursuant to the FDCPA, I am requesting that you provide me with the following information : 1. The name and address of the original creditor ; 2. The original account number associated with the alleged debt ; 3. The amount of the alleged debt and an itemized breakdown of all fees and interest ; 4. A copy of the original agreement or contract that created the alleged debt ; 5. Proof that your agency is authorized to collect this debt on behalf of the original creditor ; 6. If the original creditor has sold or transferred the debt, a copy of the agreement between the original creditor and your agency grants you the authority to collect the debt. 
7. Until I receive proper validation of this debt, I request that you cease all collection efforts, as required under 15 U.S.C. 1692 g ( b ). Additionally, please note that any attempt to report this alleged debt to any credit reporting agency without first providing validation may be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Please send the requested information to the address listed above within 30 days of receiving this letter. If you are unable to provide proper validation, I request that you cease collection efforts and remove any negative information related to this account from my credit reports. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation