BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. The accounts are being reported currently open and the accounts need to be closed. 
XXXX account number XXXX opened on XX/XX/2022 for the amount {$530.00} XXXX XXXX XXXX  account number XXXX opened on XX/XX/2022 for the amount of {$140.00} The accounts are being reported currently open and need to be closed immediately. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. This account should not be furnished on my consumer report. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-08-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I sent national credit systems a letter to validate a debt that was placed by them on my credit report. I did not receive a response back until XX/XX/XXXX, which was basically a discounted offer. I replied back in XXXX that they failed to validate this alleged debt that I do not owe. In XXXX they sent me another statement that is absolutely inaccurate, The " rental agreement '' they sent shows I moved out on XX/XX/XXXX. However they are trying to charge me rent from XXXX. I did not live there at that time and my balance was cleared to a XXXX the date I did my final walk-thru with the agent there at the time, Also Ive included the rental agreement they sent, on page XXXX I've highlighted where they CLEARLY ALTERED this document. You can see they whited out the area and typed in XXXX. 

This debt is not owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim for the following Account : XXXX XXXX XXXX XXXX To Whom it may Concern : This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless  it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you  have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I leased a vehicle through GM financial in XX/XX/XXXX. It was a three year lease - I kept current on the lease until the end of the lease ( XX/XX/XXXX ). I returned the vehicle, all payments current. In XX/XX/XXXX, I received a notification that I had delinquent marks on my credit report by GM financial. They had marked my credit for late payments for XX/XX/XXXX-XX/XX/XXXX. In a panic, I contact GM financial. I was told it was an error on GMs end and that I would receive a letter and email to send to the credit reporting agencies to get the marks removed. They also indicated they would contact the credit reporting agencies on my behalf. Two weeks have passed and I have yet to receive anything in the mail or via email from GM financial, as promised. After checking my credit report, they have now marked XXXX late, which is also grossly inaccurate and negligent on their end. I contacted them again today to no avail and submitted a complaint via their website. I need this rectified, as GM is inaccurate reporting to the credit bureaus and damaging my credit without merit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX under Account # XXXX This account is being illegally reported on my credit report due to inaccuracy. I requested method of verification on this account. 

How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. 

Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. 

This listed item is entirely inaccurate and incomplete and must be deleted. 

Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

15 U.S.C. 1681i ( 5 ) ( A ) ( I ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I deposited a personal check for {$75.00} I also deposited a XXXX Treasury check from my retirement plan that was {$1600.00} into my Citibank checking account. I have called over 100 times to get an answer on where my money is and why they are telling me i will not get any of my money back.

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 monetary relief
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: MD
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'm reaching out about a previous dispute investigation concerning the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I made Equifax aware that the date of first delinquency filed is missing and the compliance code has not been updated to indicate that this account is in dispute. Is the account delinquent? When did it become delinquent? The missing details are not compliant with the industry standard XXXX XXXX nor the Fair Credit Reporting Act and Equifax had over 30 days to correct this therefore it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America unlawfullly resold my home at XXXX XXXX XXXX, XXXX NJ XXXX As said before they violated my 5th and! 4th Amendments. They also violated my rights under 43.101 ( 1 ) Thru ( 5 ). They have been involved in many class action lawsuits. The last one in Boston where the Federal Judge had to dismiss the lawsuit due to to many different violations committed by Bank of America

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 monetary relief
Consumer complaint received 2023-06-01
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
CFPB, XXXX XX/XX/2021, I mailed a dispute package to TransUnion by certified mailed for information that is inaccurate or items that are mine which are currently reflecting on my credit report. That package was delivered to Transunion on XX/XX/2021. 
Additionally, I mailed a letter by first class mail to ALL THE COMPANIES that were reporting negative information on my credit report on XX/XX/2021 asking them to provide proof of the subject account ( s ).

TransUnion and all companies I have contacted HAVE FAILED TO DO ANYTHING regarding my concerns, including contacting me, to help me remove inaccurate information or items that are not mine. 
I will be reaching out to Mr. XXXX XXXX ( CEO of TransUnion ) via email within 45 days of this complaint and all the companys board of directors for their assistance in this matter. 
CFPB, please do allow TransUnion and others to simply ignore peoples request for help. I will also seek the assistance of members of Congress with this matter in the next few months if this issue remains unsolved. 
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 2021-03-13
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit Systems is attempting to collect on a debt that doesn't belong to me. I have disputed this erroneous information and yet they are reporting that it's my debt. This debt is for an apartment complex called XXXX at XXXX apartments and the debt amount is for {$8000.00}. This debt is fraudulent. I have never lived in an apartment complex called XXXX at XXXX apartments. I have sent a copy my police report, my ID theft affidavit, and my FTC information and they won't respond. I have asked for validation such as a contract containing my signature or proof. There's no proof because this isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Recovery Agency??? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since COVID-19 pandemic I entered into an agreement with my mortgage co into a forbearance. They reported to Trans Union that I was delinquent on my XXXX payment. I'm on a forberance plan with them which states I will not be reported to the credit bureau. I called TransUnion because my credit score dropped 90 pts. and was told my mortgage company reported I was delinquent on my XX/XX/XXXX payment and that I was in Chapter XXXX bankruptcy. I was discharged from my bankruptcy 1 year ago after having it on my credit report for 10 years. XXXX can not add a statement in my credit recordabout being in bankruptcy when I did my part and have a record on my credit report for 10 years and being discharged 1 one ago. I started a dispute with Trans Union. I immediately call my mortgage company to find out why this happened and they apologized and would fix the problem. I waited one month for the dispute to be over. I called today XX/XX/XXXX to TransUnion to ask about the results from my dispute and was told my mortgage company came back with a no change status results. I called my mortgage company and spoke to a supervisor and he told me that XXXX did response as of XX/XX/XXXX but I would not see the results for a couple of weeks. I again on XX/XX/XXXX called back Transunion to ask when the results of my dispute would be updated. I was told results are updated immediately and XXXX did respond with a no change status. I started a new dispute. After I called XXXX again to complain about my situation and was told by customer service that my dispute/complaint would have to be sent to them in writing. I don't understand why and how XXXX   can get away with this. I have excellent credit history and now my score in 90 pts less. I did have a bankruptcy that started in XX/XX/XXXX and ended in XX/XX/XXXX I was discharged. I did not add my mortgage in my bankruptcy. I have been paying it ever since until I lost my job during this pandemic. XXXX can not add anything having to do with my prior bankruptcy or missing a payment as Im in a forberance plan with XXXX. Please help

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