BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As permitted by the FDCPA, I sent a letter to Debt collection company ERC ( XXXX XXXX XXXX ) asking them to validate a debt they have continually harassed me about. They sent me a letter months ago stating they that they will no longer pursue this debt. This response was due to the fact that I asked for validation before and they could not provide it.. This supposed debt they say I owe they have failed to validate as required by the FDCPA. This letter was sent certified mail return receipt and ERC received this letter on XX/XX/2018, signed for by XXXX XXXX. I attached below a document showing evidence of this signature. My letter asking them to validate this debt has gone without response and they have unlawfully placed this on my credit report. Once this letter is received, the collection agency must stop attempting to collect the debt and remove it from my credit reports until they supply validation. This company however has gone out of their way to defame me by putting negative information on my credit report unlawfully. This is grounds for a lawsuit. It is quite clear they do not have what is required to validate this account and must stop contacting me and remove the fraudulent entry from all three credit bureaus right away I attached a copy of the return receipt I got proving they received my letter and willfully did not respond but broke the law instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Affirm Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In order to access you Affirm account you must provide your cell number, input an access code SMS to your number and then retrieve a code from your email on file. 

I am not receiving the code to my email address. I have checked spam and junk and still nothing. 

I have spoken to them and been told it is fixed three times now and still have no access to my account. 

This account has multiple loans and a savings account all with automatic withdrawals and I have zero access. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX advises my account is current however Convergent alleges they are collecting a dept on their behalf.

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 2020-05-11
Company: The Home Loan Expert LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in the process of refinancing my mortgage through XXXX XXXX - The Home Loan Expert, of XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX, MO XXXX, due to the low rates. I was contacted by staff member, XXXX XXXX, on XX/XX/2020 who told me that I had a good credit score of XXXX but he then advised that they could not offer me any cash-out due to the Comps they found on my home. When I asked XXXX how much they determined my home to be worth based upon the comps in my area, he told me that the owner would not allow him to provide me with that information. I was appalled by his response because as a consumer applying for a refinance, I was privy to that information. He refused to provide it. I deserve an explanation as to why I was repeatedly denied that information.

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 2020-08-20
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:
This concerns my Experian Credit report. I have an item on it " XXXX XXXX '', which I paid off over a month ago. I have the written notice so stating from XXXX XXXX. Experian refuses to update my credit report and shows that I still owe on this loan. I sent them two dispute notices and downloaded the paid in full notice from XXXX XXXX. They persist in refusing to update my account. 

Why?

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 2020-10-14
Company: Southwest Credit Systems, L.P.
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: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws.

Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) Southwest Credit ( XXXX ) Account # XXXX XXXX Credit Ref # XXXX NOTE : This account had been deleted off my credit report in XX/XX/XXXX. Now they are trying to fraud tactics to put it back on my credit report. 

This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. 

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.

In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.

I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian Report # XXXX Date XX/XX/18 Has not updated current employment as I have provide proof. Experian does not correctly have or provide the right information. I have provided time after time for the last 3 months and Experian has yet to correct there issues. 

As of this report Experian took off my current employment which is XXXX XXXX which is listed on Report # XXXX and on Report # XXXX XXXX XXXX is not on my credit report in which one again Experian does not provide correct information as to my credit report. 

I have attatch 2 curent employment which is not on report # XXXX which I have work for the past 2 years in which Experian keeps deleting it or not showing the correct employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX   4. XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX 5. XXXX XXXX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Prince Parker & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my XXXX XXXX account on XX/XX/2018 due to under performance and terrible customer service. I received a confirmation number of XXXX and was told my account was closed and I owed {$13.00}. The month of XXXX and XXXX, I start receiving calls from XXXX XXXX XXXX stating I owe {$320.00} for an outstanding balance I had with them and thier XXXX account, which I never had. I used XXXX XXXX, as XXXX  was not available in my area. I spoke with at least 10 different people in a number of different departments and they were unable to explain to me how these charges were brought up. I believe there was an internal communication error during the XXXX XXXX XXXX XXXX XXXX merger. They have since sent me to collections with XXXX XXXX XXXX XXXX and they are now trying to collect the debt. I spoke with them and they said there is nothing they can help me with and that XXXX XXXX XXXX is not in the wrong. I need help with this please or some explaination. I feel XXXX XXXX XXXX is bullying a long-time, loyal costumer and trying to make me pay for a service, long after Ive cancelled that service with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 contacted XXXX XXXX XXXX regarding a late payment reporting on XX/XX/2020. They said they will update the inaccuracy and correct it paid on time for the month of XX/XX/2020. I have the letter attached as proof.

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 2021-06-23
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: Investigation took more than 30 days

Complaint:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXXXXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
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: Public record information inaccurate

Complaint:
During the months of XXXX, XXXX, and XXXX of XXXX  I requested XXXX to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by XXXX. 

XXXX continues to furnish inaccurate information to Equifax, XXXX and XXXX 

In XX/XX/2020, I called XXXX and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all XXXX does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

XXXX claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with XXXX or the bureaus. 

At this point someone is lying and furnishing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received anything in the mail saying that I needed to pay. I saw it on my XXXX XXXX  but never received an official letter. I don't mind paying, I just need a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Bonneville Billing and Collections
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this is not my debt it belongs to my sister who has a ssn one number off from mine, furthermore the orignal opening date would have been on XX/XX/XXXX not XX/XX/XXXX that was when her account was originally opened, the dates and the amount is listed fraudulent on my credit report with XXXX and XXXX, XXXX  has already removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: LA
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:
I've sent in request to have this account XXXX XXXX XXXX XXXX, updated or removed as it has been paid off and it is still incorrectly showing as charged off and unpaid.

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 2019-02-24
Company: Sonnenschein Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They are claiming I owe money for a ticket on a car and license plates I have never owned. They are contacting me by postal mail. I have called them to stop, they are rude, laugh at me, and continue to insist I pay them. 

They are threatening judgment liens against me and to have my driver 's license suspended.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: NM
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 am having issues obtaining a score with Equifax and I need one to move forward with my home loan. I have great credit with XXXX  & XXXX  and am authorized onto 2 of my husbands credit cards. I have called both credit card companies to request they report to all three bureaus and they continue to tell me that they do. At this point, all I can think is Equifax isn't reporting my score because of a mistake. I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: IN
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 have made multiple attempts to obtain copies of the original loan documents from XXXX XXXX with no success. XXXX 's phone system will not allow me to speak with a representative. I have searchd their website to find a number for their Executive Services office unsuccessfully as well. XXXX is reporting fraulent loan information to my credit file. I am requesting copies of the loan documents to view the signature on the loan that they are referencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I have retained a bankruptcy lawyer and I notified Bridgecrest in XXXX that a lawyer has been retained and offered the attorney 's information which they refused to take. I received an email and text message XX/XX/2019 from Bridgecrest advising that a payment is due and I responded to the text message that I have an attorney and sent the name and phone number of my attorney. I received a return text that my vehicle is currently out for recovery and I needed to make a payment of {$1700.00} today XX/XX/2019 because there is not a notation on my account that an active bankruptcy is present. I followed my attorney 's instructions and notified all creditors of obtaining an attorney and this creditor is the only one that has continuously failed to stop collection proceedings.

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 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I APPLIED FOR THISE CREDIT CARD AND RECIEVED A MILESTONE GOLD MASTER CARD WITH A {$300.00}. DOLLAR CREDIT LIMIT. AS SOON AS I RECIEVED IT I PAID THEIR {$75.00}. DOLLAR FEE WHICH WAS QUICKLY COLLECTED AND APPLIED TO MY ACCOUNT. I THEN WENT ON TO USE THE CARD, THEN ON THE THIRD OF XXXX I MADE A {$200.00}. PAYMENT IN ADVANCE OF THE REPORTING DATE FOR THE CARD. I RECIEVED A COFORMATION E-MAIL # XXXX THAT IS DATED ON THE XXXX OF XXXX AT XXXX XXXX PACIFIC TIME, AND STATES THAT IF THE PAYMENT IS MADE BEFORE XXXX XXXX  PACIFIC IT WOULD BE CREDITED TO MY ACCOUNT ON THE SAME DAY. THEY PURPOSELY HELD ON TO MY PAYMENT WITHOUT REPORTING THE PAYMENT UNTIL AFTER THE XXXX OF XXXX, I WAS CALLING THEM TO SEE WHY, AND I COUDNT GET AND ANSWER FROM THE XXXX TILL THE XXXX I WOULD CALL TO SEE WHY THEY WERE NOT CREDITING MY ACCOUNT, NOW I SEE WHY.THEY ALSO GO MY THE NAME OF THE XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation