BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: The Receivable Management Services LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Receivable Mgmt Svcs ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or  symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXXXXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in  accordance with The FDCPA, GAAP, and the FTC ).

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 2020-02-06
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtain a loan for XXXX. XXXX for a XXXX XXXX XXXX trough flagship credit acceptance first payment due date is XX/XX/XXXX made first payment on XX/XX/XXXX for XXXX loan went up instead of down went up to XXXX Flagship say they apply XXXX to interest and XXXX to principal, then I made a payment on XX/XX/XXXX due date XX/XX/XXXX flagship credit say XXXX went to interest and only XXXX dollars went to principal. They are calculation everything wrong my loan keeps going up instead of down. Money keeps getting apply to interest only not principal. The website doesn't allow you to make extra payments only minimal payments of XXXX. Now pay off balance shows XXXX as of today XX/XX/XXXX amount keeps going up not loan loan first payment is due XX/XX/XXXX and land matures last payment is XX/XX/XXXX it keeps going up how do they change terms and conditions after a contract is sign

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 2018-03-26
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southwest Credit in XXXX Texas has my XXXX account. They are saying I owe XXXX for unreturned equipment and past due bills. The billing dates they have are incorrect. My service was already disconnected and XXXX is trying to charge me for months of service due to them billing months in advance. They are also billing me for unreturned equipment in which I returned ALL my equipment to their rep who came to my home. I even signed my name on his phone and he was picking up all the equipment. The date of service on the bill Southwest sent is XX/XX/XXXX-XX/XX/XXXX but I had XXXX XXXX at the end of XX/XX/XXXX. It is under my husbands name XXXX XXXX for our same address XXXX XXXX XXXX XXXX, XXXX TX XXXX. Call XXXX and verify please. I sent a long detailed debt validation letter to Southwest credit on XX/XX/XXXX and only received one thing out of 18 things I asked them to verify. They sent me a billing statement from XXXX  with the incorrect payment amount. I have called Southwest many times and they are extremely rude and will not even try to listen to me. I need this to be looked into and researched asap. I do not want this to hit my credit in any way. especially with wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: EQUIFAX, 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:
Credit Reporting Agency : Equifax ; Creditor : XXXX XXXX ; Account Number : XXXX. Recent disputes were submitted via the CFPB portal regarding this account on XX/XX/XXXX. After reviewing my Equifax credit file on XX/XX/XXXX, I noticed two errors. Error 1 : " Payment Status '' is incorrect. The " Payment Status '' should show " charge-off. '' Error 2 : An unauthorized statement has been inserted for this account in the " YOUR STATEMENT '' section. The " YOUR STATEMENT '' section belongs to me, the consumer, and I have never requested, authorized, or provided the creditor ( XXXX   ) or the credit reporting agency ( Equifax ) to add any statement. Per the FCRA, the creditor and credit reporting agency are only permitted add a comment in the " COMMENTS '' section. Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) section 611 ( b ) which clearly outlines consumer statements. Equifax is in violation of FRCA section 611 for ( a ) failing to record the current status of disputed information and ( b ) reporting an inaccurate item in my credit file. As a reminder, per the FCRA, a consumer ( s ) credit file must be 100 % accurate and my Equifax file clearly is not. Please refer to the attached copy of my Equifax credit file with the two errors highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a current customer of XXXX/XXXX  XXXX for internet service, they allowed for a second account to be opened under my information, using a different address, and never attempted to notify me about it. As their current customer, they should be able to see that if a second account is attempted to be opened, some sort of notification should be sent to the current method of communication to confirm new service. And I only was able to determine the information of the fraudulent account from the third party collection agency that place a negative trade on my credit bureau. XXXX was not even able to find a second account under my information when I called in. Their failure to protect their own customers puts every since person that does business with them at risk for identity theft by not verifying information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am filing this report because there are three accounts on my credit report that are not mine ; The only reason I was made aware of these accounts is because I got my credit ran at XXXX XXXX XXXX XXXX since I'm trying to get a loan. The account names are XXXX XXXX for {$34000.00}, XXXX XXXX XXXX for {$12000.00} & XXXX XXXX XXXX for {$30000.00}. None of those accounts belong to me nor do I have any written or verbal contract with these companies and I never gave them permission to run or access my credit/personal information. I don't know who opened these accounts in my name without my permission but I already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I take part in any purchases or payments made towards these debts.

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 2020-02-06
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX is our current mortgage company and in the process of applying for refinancing they did not provide adequate guidance in that process. The loan officer would give us lists of things to do, such as paying things down, and closing open disputes in order to get our credit up to complete the loan process. In doing so they would repull our credit everytime and give more guidance. The process was horrible. So we decided to use Quicken Loans since they provided proper advice in helping us correctly. During this process we lost our loan capability due to a 5 point credit score drop over the entire process that involved almost 10 credit pulls combined by the 3 companies. That unprofessional guidance along with greedy loan officers has caused us to spend thousands paying the things off they asked us to pay and left us with no refinance to regenerate the money we lost in the process. We have made our house payment the last 7 years without missing a single payment and jow are denied based on 5 points in a system they abused through too many credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX XXXX XXXX erroneously reported that my account in good standing with them was included in a new bankruptcy. I filed bankruptcy in XXXX the bankruptcy case was closed in XXXX. All debts included have been discharged. The account with credit one was opened AFTER bankruptcy and was not included. I have nor will I ever again file bankruptcy. My accounts are all 100 % paid on time. This is erroneous and possibly retaliatory because I reported them to your agency for incorrect balances a few months ago. They also show the account as closed. It is not closed, I still make payments, my online account is still open. They need to fix the following errors : Remove the erroneously reported new bankruptcy. Thet need to accurately report the account as open in good standing ACROSS ALL CREDIT BUREAUS.

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 2020-02-06
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX is in violation of my HIPPA rights, as well this is invalidate debt. I have contract with XXXX XXXX XXXX XXXX. I also never authorized XXXX XXXX XXXX  to release my medical information to a 3rd party collection company. 

XXXX XXXX XXXX XXXX is reporting invalidated debt. 

Experian is as well in violation of my HIPPA rights reporting invalidated debt on 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 2020-02-06
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
Today, XX/XX/XXXX, I requested my free annual credit report from Equifax through the website XXXX. I received an error message, " We are not able to deliver your free Equifax Annual Credit Report online. '' The error message went on to direct me to request my report by mail, requiring me to send several sensitive documents to them, one of which needs to include my SSN.  The message did not explain why this is necessary. 
I have received this same error from Equifax each of the last 7 years. In XXXX and again in XXXX I did request my report by mail, sending them a paper form and copies of my Social Security card and driver 's license, for which I eventually received my reports. But they appear to have not updated their records, as the error continues to exist. 
After my XXXX online request was denied, I filed a complaint through the site XXXX. I received an automated reply from Equifax requiring me to call their phone tree. I declined to let them waste my time there. 
It's been over ten years since I've moved or made any other changes to my personal information that might confuse a credit reporting agency. XXXX  is able to provide my online report every year, with access to the same information as Equifax.

The unnecessary extra work, cost, and time delay imposed on me every year, as well as the risk of sending my sensitive personal information through the mail, may or may not be a deliberate attempt by Equifax to discourage me from requesting my report from them, but it sure does work that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was with Covered XXXX XXXX, under XXXX XXXX. 
Date of Services was on XX/XX/2017 and XX/XX/2017 and all the billing for year 2017 was covered under this plan. 
CMRE Financial and XXXX XXXX XXXX continues to send collection notices and has posted this debt on my credit report. 
This is bill is not due and should be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Sequium Asset Solutions, 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 status incorrect

Complaint:
Since XX/XX/2018, Sequium Asset Solutions , LLC received a collections file from XXXX XXXX   stating that I was past due. XXXX XXXX then received a call from me asking why. XXXX then explained and expressed their deepest apologies for the incorrect information. They " accidentally '' opened a second account in MY name!! XXXX, the Supervisor at XXXX   sent in a ticket, # XXXX, to Sequium Asset Solutions , LLC to immediately remove this item and No One has yet to respond. It has been well over 3 months now and still no results!! I have never lived in unit # XXXX, which is where they are reporting these lies. My apartment complex has also tried to reach Sequium to inform them I never lived their and no answer ... I am trying to buy a home and Sequium Asset Solutions , LLC has destroyed my chances and my credit, yet I nor XXXX  can get get them on the phone!!! I am pressing charges for breaking the Fair Credit Reporting Act ... But not even my lawyer can get them on the phone!!! Please help ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: Delta Management Associates, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past month I, along my family members, neighbors, coworkers, distant acquaintances, and people I have no relation with have received phone calls that begin at roughly XXXX XXXX  and last well into the XXXX XXXX hour from XXXX XXXX XXXX, regarding either a " very important educational matter '' or " a very important business matter that we working one for her ''. When these other people are called and let them know they have no contact information for me, the representative on the phone ( sometimes a woman named XXXX, sometimes a woman named XXXX, or a man ( not sure of the name ) will become very verbally abusive. For example a colleague that I only know in passing received a call on her cellphone. When she indicated she knew my name but had not personal contact information on me XXXX told her that she was clearly lying and could face legal action. 

When I have returned their phone calls I am immediately asked to verify my entire social security number, which I will not give over the phone. I have asked that this company sent me whatever their business is with me in writing and I, along with my attorney, would address whatever they need then, but I have received nothing. 

I have asked repeatedly to stop calling me because I will not give anything in writing but it continues. As I typing this a social media friend who I have not been in contact ( outside of social media ) in more than 10 years sent me a message stating that this company just contacted her and when she told them that she had not been in contact with me for many years, she was asked to try to locate me and call them back with a contact number. She asked them how they got her number and was told she was a reference ( which she is not ).

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 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA/HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2017-12-06
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX is reporting a debt on my XXXX, XXXX, and XXXX reports which the have not provide sufficient information and documents showing that I legally owe the debt and that the can legally collect the stated debt. I have sent disputes to them but the keep responding by stating debt is valid without providing any proof of what they are verifying to show account belongs to me ( original contracts bearing my signature, account histories, legal right to collect the debt ). The are in severe violation of FCRA laws their refusal to validate debt is mine and continuing to report this damaging, derogatory, and defaming accounts to the credit bureaus without any documented proof that this account is mine or the have the right to collect from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I used TrustedID service for a credit monitoring service and paid {$200.00} on XX/XX/XXXX for a family plan/yr. Around XXXX XXXX, XXXX, I learned, through an email sent to me by Equifax, that they had taken over TrustedID. I called Equifax and spoke to 'XXXX  XXXX and told her I no longer wanted the service ( from what was now Equifax ) and asked them to prorate and refund it to me for the XXXX XXXX- XX/XX/XXXX time period. They did this on my XXXX XXXX XXXX on XXXX XXXX XXXX for {$87.00} from EQF*TID TRUSTEDIDSERVI XXXX CA. I thought this issue had been resolved. 
On XX/XX/XXXX I checked my Master Card account and saw a new charge from Equifax for the same " Services - Consumer Credit Reporting Agencies '' for {$190.00}. I called up Equifax and spoke to XXXX ', had to give her my XXXX  # and she said the charge was for a renewal, which I never ordered ( told her I had cancelled service and had been given a refund ), and I said to take the charges off immediately. She said she would. but the next day, instead of a pending charge, it was a permanent charge. I filled out a disputed charge with XXXX  and as of XX/XX/XXXX -- today -- the charge is still there. 
Signing me up for a product I told them I didn't want should be illegal to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

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