BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DESIGNED RECEIVABLE has failed to VALIDATE this debt they only send paper statements under FDCPA thats violating my rights as a consumer. They are also attempting to collect a debt that is past the statue of limitation. They have not provided me with the original contract bearing my wet signature. I have no contract with DESIGNED RECEIVABLE. I have the right to privacy. I never gave consent to report this account on my consumer report. This account needs to be removed/ deleted/ blocked from my consumer report. You told me to contact this company and I have done so.

FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. Delete this now.

Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate.

I have also filed and Identity theft report and this account is included. Its been over 4 business days and this account still hasnt been blocked under FCRA 605B 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have had problems with my account for a while - either double charges from the merchant or simply using the wrong card - while my account was restricted I wasnt able to produce the proof of it which I have - now Im looking at my account being negative and when I spoke to a rep name XXXX today XX/XX/2019 he told me that the documentation wasnt received and they reversed it - I explained to him of course because due to the account error that was just fixed I wasnt able to access my account. Again my parents are on my account which I thought I remember them months ago because Im old enough but now this is effecting them. I need 2 things. 1 to have my cases reopened And my account not negatively and I need my parents removed like I though I had.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CHS, Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company SCA CRED SVC ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$110.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: HILLTOP HOLDINGS, INC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On several occasions, this company has called 2-3 times back-to-back. They call when I am at work, and when I send the call to voicemail, they will simply call back, 1-2 more times at least. 

Most recently, they sent me notification about my debt in an open letter format. This was done by placing a door tag on my door notifying me that they were trying to collect on a debt and to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Aldous & Associates, PLLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a bill from XXXX XXXX. I have never been there. Dont understand why I am getting a bill from a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS COMPLAINT IS AGAINST MACY 'S CREDT CARD. 

I RECENTLY PAID OFF MY CREDIT CARD WITH MACY 'S AS IT WAS BEING HANDLED BY A CONSUMER DEBT MANAGEMENT COMPANY. THE ACCOUNT IS CLOSED AND IS NOW PAID IN FULL. 

UPON PULLING MY CREDIT I NOTICED THAT MACYS HAD REPORTED ME LATE ON EACH OF MY CREDIT BUREAUS STARTING IN XXXX OF XXXX AT 30 DAYS LATE, THEN XXXX OF XXXX GOING THROUGH XXXX OF XXXX. MY MACY 'S CREDIT CARD WAS BEING HANDLED BY THIS DEBT MANAGEMENT COMPANY AND I HAVE ACCURATE RECORDS SHOWING THAT THE DEBT WAS PAID ON TIME EACH MONTH. 

IN XXXX OF XXXX THE DEBT WAS PAID IN FULL. MACY 'S IS IN VIOLATION OF THE FAIR BILLING ACT AS WELL AS THE FCRA FOR REPORTING ME LATE WITHOUT PROOF THAT I WAS ACTUALLY LATE. THEY HAVE NO REASON TO REPORT ME LATE AS THE ACCOUNT WAS PAID ON TIME WITH THE DEBT MANAGEMENT COMPANY FROM XXXX OF XXXX ALL THE WAY THROUGH UNTIL XX/XX/XXXX WHEN THEY GOT THEIR PAY OFF. 

MACY 'S STILL HAS IT ALSO LISTED AS " CONSUMER DEBT MANAGEMENT COMPANY MAKING PAYMENTS '' IN THE COMMENT SECTION OF THEIR REPORTING. 

THEY ARE IN STRICT VIOLATION OF FEDERAL LAW AND I AM REQUESTING THAT ALL NOTATIONS OF LATE PAYS AND ALL COMMENTS REFLECTING THAT A DEBT MANAGEMENT COMPANY HANDLING THE ACCOUNT BE REMOVED FROM MY CREDIT REPORTS. 

THIS COMPLAINT IS NOT TOWARDS THE CREDIT BUREAUS, THERE SHOULD BE NO LISTING OF AN INVESTIGATION OR CONSUMER DISPUTES BEING PUT ON MY CREDIT FILES. THIS COMPLAINT IS AGAINST MACYS OR INACCURATE REPORTING. IF THEY ARE PAID OFF IN FULL WHAT DO THEY HAVE TO GAIN BY REPORTING THIS NEGATIVE INFORMATION AGAINST ME. 

REMOVE IT IMMEDIATELY OR FACE A LAW SUIT FOR VIOLATION OF THE FEDERAL LAW WHICH CARRIES A PENALTY FINE OF NO LESS THAN {$1000.00} PER VIOLATION AND I WILL ALSO BE SEEKING REIMBURSEMENT OF ATTORNEY FEES. 

YOU HAVE NOTHING TO GAIN BY REPORTING THIS INFO THE WAY YOU ARE AND YOU HAVE NO PROOF BUT I HAVE PROOF IN THE FORM OF A CONTRACT THAT THE DEBT MANAGEMENT COMPANY WAS MAKING ALL PAYMENTS AND I ALSO HAVE THE RECEIPT THAT YOU RECEIVED FULL PAYMENT EARLIER THIS MONTH.

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 2021-01-22
Company: Sequium Asset Solutions, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Sequium Asset Solutions , LLC that was dated on XX/XX/XXXX. It claimed that it was tasked with collecting debt from XXXX XXXX XXXXXXXX XXXX XXXX for {$110.00}. I have never been to that doctors office so I do not know why I am receiving this bill. I sent a letter requesting them to prove that I actually owe this amount of money on XX/XX/XXXX. They never responded. However, they added the debt to my credit report on XX/XX/XXXX. I do not believe that this debt is mine, nor do I believe that it should've been added to my credit report since they never validated my debt in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I first informed the 3 major credit bureau that businesses has been adding hard inquiries to all of my reports. I hadnt attempted any credit or business from the particular companies in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband andihave been trying to get our modification cleared up since 2010. We were in the process of being approved for a modification when pur mortgage was sold. We were never notified of our changed interest rate and allowed to resume payments and have been struggling to get a modification every since. We have app, XXXX at least XXXX times and have verbally denied each time with no written documentation toback this up Now we are considering g filing another Chapter XXXX tAnd payingtheXXXX payments arrears just so we can remain in our home. XXXX, y want to be able forest me payments with arrears put to the back of the loan we are not looking for a lower payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased a pair of boots for {$840.00} from XXXX XXXX XXXX store and paid with my Bank of America Visa Credit card.After 3 times of wear boots started to fall a part and store declined to exchange or refund. 
XX/XX/XXXX after numerous attempts to resolve this issue with the storeI I open a dispute with an assistance of my Bank of America Visa dispute department hoping that they will protect me and advocate this case as I consider it a breech of warranty.The bank opened a dispute and without any investigation closed it on XX/XX/XXXX no additional information were requested from me.I asked to reopen the case because the supervisor told me that it was an error and they failed to request additional information.She reopened the case, I faxed all supportive documents and on XX/XX/XXXX I received a letter stating again that the bank can not resolve the issue.No investigation was conducted again. 
After I told that I do not have the boots in my possession and I left them with the store and I am refusing to accept repaired merchandise for which I paid {$840.00} and I am out of my money, I was told they will investigate it further.Finally I was issued a credit and the letter stated that the merchant has to respond within 60 days.On XX/XX/XXXX I received again the same letter that the merchant 's return policy is only for unused merchandise and the bank is denied any further assistance. 
I consider it a violation of the Truth in Landing act and Fair credit billing act.The merchandise is a poor quality and failed to perform and I am out of my money and trust as a customer to Bank of America Visa card for denying to protect me as a customer.

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 2020-12-01
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:
Theres fraudulent accounts on my credit reports. I been disputing very ling time and they dont help. Please help 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 2020-10-17
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
COLLECTOR KEEPS CALLING ME ON MY CELL ( XXXX ) XXXX OR ( XXXX ) XXXX SKIP TRACING FOR MY MOTHER XXXX XXXX FOR A DEBT. CLIENT XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I attempted to transfer {$80.00} to XXXX XXXX XXXX in the XXXX on XXXX XXXX, via MoneyGram. MoneyGram informed me that they processed the transfer on XX/XX/XXXX, and the money was received on XX/XX/XXXX. However, the receiver says he has not received this money. Upon contacting Money Gram, they opened a case on XX/XX/XXXX. 
After calling and contacting MoneyGram about half a dozen times, MoneyGram sent me an email on XX/XX/XXXX, ( Please see the attached file named " doc1 '' ) saying that " After completing our investigation, we have determined that an error may have in fact occurred with your transaction. We apologize for the delay in the funds being made available. Our records show that the transaction was successfully received. 
As such, you are entitled to a refund in the amount of {$190.00}. This amount represents the transfer fee you paid with this transaction. '' But I checked again with the receiver and he maintained that he had not received any money via MoneyGram in XXXX or XX/XX/XXXX. I contacted MoneyGram customer service, asking for proof of their communications with the receiver bank and their claim that the receiver bank confirmed that the money was received and also asking them to provide me with an exact date that the money was deposited to the receiver 's account. After a few days, I received another email from MoneyGram on XX/XX/XXXX ( please see attached file, named " doc2 '' ) sending me what they regard as " proof of Deposit ''. I have not attached this receipt because it contains account numbers and other sensitive information but I can provide you with a copy of this receipt upon request. 

However, as I said in my response to them I had requested proof that the receiver bank, XXXX XXXXXXXX XXXX confirmed that it had received the money and also the specific date it received the money and deposited it. The document they sent to me is not from XXXX XXXX XXXX. Also, the date on this document is XXXX, which is the transaction date according to the receipt available on my MoneyGram account XXXX not the date the money was received by the receiver bank. Moneygram initially claimed that money was received on XX/XX/XXXX ( according to the receipt available on my MoneyGram account ) but in the email, they sent to me on XX/XX/XXXX, ( please see the attached file, " doc1 '' ), they conceded there might have been an error and the money transfer was delayed although they provided no information on that date. 

I have to mention that this was not the first time I sent money to the receiver and to his bank in the XXXX. I have done it before via MoneyGram once ( in XX/XX/XXXX ) and via XXXX service three times ( including twice in XX/XX/XXXX ) with no problem. 

Thanks for your consideration, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.

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 2023-02-02
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:
To Whom It May Concern : I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
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: Account information incorrect

Complaint:
Equifax and XXXX  has continuously and falsely verified this alleged account. Both equifax and XXXX have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I I own a XXXX XXXX. As most informed people are aware the industry has been devasted by Covid-19. I have absolutely no income from my agency, in fact, I have had to return commission payments previously received. I have a business credit card with Citi and I have contacted Citi Bank for some type of relief in repayment of the credit card, they keep telling me I am not eligible for assistance. I can not for the life of my future this out. With continuing to accrue interest the card is now over {$30000.00} They tell me to call every month, which I have been doing since XXXX and still no relief. Please help me. This is going to have to be written off as a bad debt. Before the collection agency starts call what should I 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 2015-06-02
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For more than 6 months, I have been attempting to obtain information from the mortgage servicer, Nationstar, to confirm whether all charges to the account are justified. I have received the same responses, over and over, without anyone ever actually taking the time to answer my very specific questions. I am attaching just their last letter to me, and my most current response. I have correspondence going back to XXXX of 2014, but the most recent letters will give you a flavor of what is happening. They refuse to justify legal expenses, inspections ( some of which are on the same day or just days apart ), alleged repairs to my property, and other items. They say that the information requested " does not pertain directly to servicing of the loan, does not identify any specific servicing errors, and/or is considered proprietary and confidential. '' The entire process is intended to ascertain the actual amount due and the actual owner and holder of the note and mortgage so that I may initiate a short-sale. I will not initiate a short-sale until I know the amounts which will be demanded.

Company response to consumer: Closed