BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-13
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two collection accounts with Resurgent Capital Services under LVNV Funding both for a XXXX XXXX credit card ... ..Re : XXXX for {$1500.00} and the second one acct number XXXX. 
The first debt collector for both accounts was XXXX XXXX XXXX in which I will be sending in. 
In both debt validation letters sent to both debt collectors I requested the following not only according to FDCPA regulations but as well under the Texas FDCPA as well as the Texas Finance Code.

1. Agreement with the original creditor that authorizes you to collect this alleged debt ( FDCPA Sec. 1692f ( 1 ) as well as under the Texas Fair Debt Collections Act.

2. An agreement bearing my signature stating that I have agree to pay them for this charged off debt.

3. A payment history from the beginning of the debt showing the original debt amount as well as how the debt was incurred. New standards that were put in place by the XXXX XXXX in 2014 after entering a decision in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 
4. I also requested the documents they must file with the Texas Secretary of State making it legal to collect in our state. 
I sent this request to them more than once as you can see from the letters I will be sending and their response to me was that they reviewed the file and found the debt was valid but did not provide me the information as per the FDCPA, TFDCPA as well as their legal authority to collect in my state under the Texas Finance Code. 
I recently learned they reported both of these accounts to the credit bureas in which I am in the process of disputing. 
I am sending you all the information pertaining to both accounts as well as the requirements under Texas and Federal Law.. 
I want the CPFB to review the federal violations they have committed and that this file be removed from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
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: Account information incorrect

Complaint:
Hi there - I am trying to resolve an issue with TransUnion. Back in XX/XX/XXXX they had a comment of " 39-serious delinquency '' in summary of my account. However, I have zero late payments - ever. and my detail on account by account basis shows that. I recently received a new copy of my report and the same factor appears as adverse impact on my account. However again, no late payments ever on all history. 
I just called TransUnion on XX/XX/XXXX and they deny that they are reporting that. I have a hard copy in front of me from XXXX and it is clear they are in fact saying that. 

I need help. 8 years of trying to rectify this to no avail. I have no debt and perfect payment record. This is absurd. I keep getting their XXXX call center, and no one is interested in making sure they are accurate. They just want to say they are right.

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 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts or addresses listed on file. Please remove them.

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 2019-07-13
Company: United Revenue Corporation
State: TX
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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: ACIMA CREDIT, LLC
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: Account information incorrect

Complaint:
I have contacted this merchant several times in reference to this account. I placed order with furniture for less I was granted {$700.00} credit limit I ordered a XXXX XXXX that was no longer available and had been discontinued. Three days before delivery was expected I was advised I would not be receiving my bed that it had been discontinued. I had to call several times just to get a refund it took about 2 months to refund my money. I have disputed this twice and nothing has been removed. Acima Credit I opened this account XX/XX/XXXX not XXXX. Contact info XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: GA
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:
there are two dismissed bakruptcies on my credit reports with XX/XX/XXXX XXXX and experian that are not supposed to be on there and none of the companies will remove them also there are a bunch of fraudulent inquiries on my reports that i did not apply for

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 2020-06-26
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citi Reference Number : XXXX and XXXX This would be my sixth complaint/response to CFPB and Citi Executive Response Unit ( CERU ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BACKGROUND ( SUMMARIZED ) Citi practically stole my savings account for 63 days by freezing it without my consent. I had no access to it and was provided no useful information or was offered a real way to resolve the issue. In over at least 15 phone calls, correspondence, and complaints, I hit dead ends for all of them. 

As a result, I suffered a monetary loss in the amount of {$600.00}, the opportunity to earn interest in the amount of {$300.00} ( by putting it in a higher interest account ), and I have lost HOURS of time in making multiple calls and writing correspondence that Citi does not seem to take seriously. In addition, my account was terminated without cause. I am looking to be compensated for my monetary and time loss stated above. 

I am suspecting illegal asset freeze ( see other similar complaints in XXXX and CFPB by other customers ). For the unexplained account closure, I am suspecting discrimination. 

For more detailed background, I have provided comprehensive explanations and complaints here : CFPB complaint # XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX  complaint # XXXX, XXXX. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- MY MESSAGE TO CITI I will simplify this complaint to the REAL ISSUE here, and I would appreciate your direct and transparent response without avoiding the issue or putting the blame on me not following instructions ( because I did ) : Why did you freeze my account for 63 days without my consent and without providing a way for me to resolve the issue? DO NOT tell me that I did not follow your instructions to call the number you provided, because I did even before you told me to. 

There you go, plain and simple. 

I am still waiting for your call to resolve this matter in person. I really don't understand why we need to communicate via CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Date is every month that I have a problem with PHH ( XXXX ). I have a loan serviced by PHH. A 15 year loan with 6 more years left. It is paperless billing with PITI info on PHH 's website. The problem is I can never access the website without difficulty. ( i.e. username/password don't match ; of course they do, and, also, I get a notice on PHH 's website that I DO NOT have a loan with PHH, again, of course I do. 
Today is XXXX-19, I called at XXXX XXXX., and have been on hold for 52 minutes ( the call center 'help ' opens XXXX est M-S. 
Every month I go through this, for 9 years. EVERY month. I can not access my billing statement, escrow info balance or monthly payment information. 
I CAN NOT access my account with this company, nor is it easy to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
I have incorrect inquires on my credit report that are were not authorized. They have negatively affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Flagstar Bank, N.A.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I noticed a service fee from Flagstar Bank pertaining to a payoff request for which the customer service dept. is unable to tell me who made the request. 

Please note - my loan servicing was transferred to this company about one month after I closed with XXXX XXXX company for which I already paid loan payoff fees with a different lender for which I can understand. 

I have had my mortgage servicing transferred several times in the past of owning a home, but have never been charged a payoff fee when a new service takes over sending the bill. 

I called XXXX to inquire about this practice and they said I should not be charged a fee when servicing is transferred. 

My goal is to find out who ordered this payoff request and to stop Flagstar from charging servicing fees for mortgages they service and to refund this charge to my account as well as have charges brought against them by the appropriate organization for penality.

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 2020-11-17
Company: Square Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had made a transfer to the wrong person of 400 on or about XX/XX/2020. I contacted Cash App within 2 minutes of doing it. It states if you contact the right away they will help you recover it. 
When I sent the money to the correct person I was then ripped off for XXXX the person didn't supply the product that was promised. I then contacted them again with in an hour of that situation. They refused to do any thing about the two payments of XXXX in XXXX sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/XXXX2018 : I called to inquire about a collections amount on my credit report. XXXX XXXX was whom I spoke with. He refused to tell me the original amount I owed, and whom I owed the money to. Thus, refusing to validate the debt. XXXX also informed me that his company does not own my debt and is just collecting on behalf of the original business. The way they make their money is from the interest on the debt. If they do not own my debt, how can his company charge me interest? Seems fraudulent to me. I was told that he could not provide me with the details of my original debt because medical records do not have to be held for the amount of time that has passed. XXXX became angry when I began to question his reasoning. He then told me that he indeed knew who I owed money to, but he wasn't going to tell me because he didn't want to, and he doesn't have to. These people should not be in business. They are clearly extorting people out of their money and threatening them with a big mark on their credit score. People will pay these thugs because they don't know any better. I need this off of my credit score completely ; like it never happened. It is upsetting to know that this company has access to my social security number. I appreciate any help I can get with this. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Service Finance Holdings, LLC
State: UT
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 have been disputing a very serious error on my credit file and the company - Service Finance and XXXX has not fixed the error. Under the FCRA they are to report accurate information and they are NOT. ( I have attached proof of this from the lender who denied my loan ) I opened a Home improvement loan from Service Finance.. It is Paid off and taken care of last year sometime.. HOWEVER, they are reporting to credit as a MORTGAGE which they have advised me that they in fact are NOT a mortgage company.

Because they are reporting to the credit bureau somehow as a Mortgage, I have just been denied by my mortgage company to buy the house I am under contract to purchase.

My lender said the reason for the denial is because there are 60+ Day late payments on this Mortgage with Service Financial which I DO NOT HAVE A MORTGAGE with them nor are they a mortgage company.

When we dispute with Service Finance they say that they are not reporting as a mortgage to XXXX XXXX says they are reporting that way. So they blame each other and nobody is fixing this issue! 
This has already cost me money and if I lose this house I will be losing my earnest deposit and I will SUE you guys as I have already spoken to my attorney. You have caused me to be denied and it is an error and Their fault. I need this fixed like last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, Yesterday I summited a complaint, complaint number XXXX. Today I received a notification that the account was updated again, solely with the information I provided yesterday from information on my XXXX report. Experian has failed again to adequately assure that the information being reported is 100 % accurate. They solely took the information that was showing on the XXXX document that I submitted in the complaint number above and utilized that information to update this inaccurate account on my report. When spoken to a prior representative I was told if XXXX XXXX is reporting this to us we must put it on your file. I have to contact XXXX and tell them to stop reporting it. According to FCRA is does not matter what is being reported. The information has to be verified as accurate. Experian is not doing so. They are not doing their due diligent of protecting the consumer. I stated does this information have to be verified, he stated it was, but yesterdays complaint shows that Experian did not do their due diligent in assuring that information was correct. 

They just did it again today on the attached documents. They updated my file with information that was provided from my XXXX report without verifying if that information is correct. Their was no verification process done. They are purposely reporting inaccurate account on my credit report damaging my credit history because they are refusing to do the job at hand. The update they made in just one day was not verified to be 100 % accurate. They are simply updating information on my report solely based on the information from another credit bureau, that has removed this account today as well due to inaccurate reporting. 

Experian was reporting payments as shown on attachment and was updated today without verification of accuracy solely based on what was reported by XXXX on the attachment I submitted yesterday on the above complaint, but no payment history was every reported to XXXX for this account. How was this information verified by experian? causing my score to drop. They performed no verification process assuring accuracy. The information was not verified that XXXX was providing the correct information. 

The refusal of this credit bureau to remove this inaccurate account is against the FCRA, if any information on a consumers report is deemed inaccurate after the bureaus has deemed it accurate is a breach of those regulations and must be removed. Experian is refusing to do so after they have reported inaccurate information twice.

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 2018-04-16
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:
According to the Fair Credit Reporting Act, 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 the 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. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have already written the bureau to get this incorrect information removed. Please remove all names and addresses on file that do not match the ones that I have attached in this document.

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 2022-08-10
Company: Bread Financial 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, COMENITY BANK/XXXX  & CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: IL
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:
XXXX, Equifax, and XXXX  didn't respond to the dispute letters I mailed off on XX/XX/2020. I also purchased the credit monitoring membership for XXXX and XXXX  and the the erroneous accounts state " IN DISPUTE ''. This has been the status of their investigation for over 3 months. This violates the Fair Credit Reporting Act as each bureau has only 30 days to complete the investigation.

Company response to consumer: Closed with explanation