BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Penn Credit Corporation
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 Account : PENN CREDIT CORPORATION XXXX XXXXoWhom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C1319.12 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 assign ability because it violates 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality in 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have rights to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section 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. 

XXXX  XXXX : Account # XXXX XXXX  XXXX : Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted disputes for 3 Creditors : Original creditor : XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Not only was I not provided the status of this dispute but I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist I am requesting for these items to be removed from my report immediately! 
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 non-monetary relief
Consumer complaint received 2023-08-29
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I called the company to question a suspicious account alert that I received from their automated account alert system ( via text message ). I know the alert ( text message ) was legit and came from the company because it came from the same text phone number that sends ALL of the automated alerts that I setup on this account, but the company basically told me that I'm stupid and the text was a fake and was sent by a fraudster that is trying to trick me into giving the fraudster my account info. That was definitely NOT the case. The text definitely was legit and definitely was from the company, yet the company continued to deny that they sent it ( even though I offered to send a screen shot of the alert/text ) and they refused to discuss my questions and concerns about the alert/text. Instead, DURING THE PHONE CALL THEY LOCKED MY ACCOUNT SO I COULD NOT USE MY CREDIT CARD ANYMORE. When I asked them why they locked my account, they refused to answer. They treated me like a XXXX, even though they verified that I was the account owner. THEY STILL HAVE NOT ANSWERED ANY OF MY QUESTIONS. I WANT DETAILED, THOROUGH EXPLANATIONS FOR THEIR INEXCUSABLE BEHAVIOR.

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 2022-03-20
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Spring Oaks capital date XX/XX/2021 I notified company of unauthorize charges lost or stolen wallet debt not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$320.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Balance : {$950.00} XXXX  Inquired on XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$320.00} XXXXXXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$950.00} XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2023-10-17
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 my Credit Score dropped XXXX, TD Bank XXXX XXXX is reporting false on a account thats on auto pay & the balance is decreasing every month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 3 hard inquiries on my credit report for accounts that were never opened as a result of identity theft.The hard inquiries must be removed within 4 business days per as per USC 1681c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX XXXX XXXX XXXX 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX 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. My legal rights have been violated. 
Due to this violation this account must be removed from my credit report 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 2022-01-31
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
According to Freedom Mortgages FAQ page, addressing the amount of escrow that " may '' be required, is as shown on their website, What is a min escrow balance : " The actual amount of taxes and insurance paid may be higher than were estimated. To ensure the escrow account has sufficient funds to cover the amount of the bill at the time of payment, you may be required to keep a minimum balance in your account at all times. The minimum balance varies by state but will not be more than two months of your monthly escrow payment. '' ( copied from https : //www.freedommortgage.com/frequently-asked-questions? XXXX ) Each year I am sent a letter advising me that my escrow is increasing due to a shortage. However, there is three sometimes fours times as much as required. Last year I finally was able to get them to give me some of the abundance that has accumulated.

I ended the year with more than {$600.00} in escrow, I have more than {$800.00} now, and with no payout until XXXX. 

Please tell me why my escrow need to increase, and therefor my house payment? 
Why are you keeping 3.5x 's the amount needed in escrow?

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 2019-10-07
Company: EQUIFAX, INC.
State: DC
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:
Confirmation : XXXX XX/XX/2019 Greetings, I am asking that Equifax reinvestigate a Public Record displayed on my credit report. I have sent them numerous letters from the reporting company as they require, XXXX who the third- party vender who reported this bankruptcy Case or ID # XXXX to Equifax See : Letter Enclosed. Please verify this letter. And Removed the bankruptcy from my report. Also, the Maryland Federal Bankrupt Court do not report Bankruptcy Cases to Equifax or another credit bureau about a consumer filed. See : Letter Enclosed. This letter shows that you did not verified or validating Maryland Federal Bankrupt Court reporting this bankruptcy case to Equifax, so they lied. As Equifax has this written on my credit report. I have been working with my creditors to make a wrong a right and Equifax you need to do the same thing. Make this right by verify these reporting letters from their agency. And removed the public record bankruptcy from my credit report. Equifax has both letters of information from reporting companies but refused to remove the bankruptcy from public record on my credit file. As of today, XXXX and XXXX have removed this bankruptcy from my credit files and Equifax needs to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: CA
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:
I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

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 2023-02-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Recently attempted to get a vehicle for my business and found out my credit was an issue. 
Upon pulling my credit to review it, I noticed issues with the amount of addresses on my report that do not belong to me. Possibly ID theft or mixed up with someone elses information. 
I sent a letter to have the information removed from my credit report. 
I received a letter from XXXX XXXX whom I placed a freeze on to prevent my information from being misused and are now saying they are investigating my information. 
I didn't ask XXXX XXXX to investigate. I asked the credit reporting bureau to remove this information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: CORELOGIC INC
State: IL
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:
MY DAD DIED XX/XX/XXXX XXXX XXXX XXXX AND MOTHER DIED XX/XX/XXXX, XXXX XXXX XXXX. PLEASE UPDATE RECORDS TO REFLECT DECEASED.

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 2023-10-17
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I keep getting text messages since XXXX XXXX XXXX XXXX number ( balanced health recieveables debt collector ) about an XXXX XXXX account that is past due but Ive never received any form of written communication about this debt that Im not sure that I even owe and I am nervous to contact this number in the text and get scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I just purchased a car and paid all those fees they add on for them to shut down and not refund me and also they made me double pay for my tag which I asked to be refunded in emails over XXXX since XXXX and nothing has been done. The charge for warranty that they dont refund. They have the debt closed on my credit but are still asking for payment they are trying to make us double pay for these cars and its XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I have taken a loan from XXXX XXXX on 2014 i have closed that loans and taken XXXX also but still showing in XXXX, Equifax, XXXX sites i have all closure letters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
Experian is wrongfully reporting late payments on my closed XXXXXXXX XXXX account. I know for a fact that I made all of my payments on time, and I have documentation to prove it. 

I contacted XXXXXXXX XXXX to dispute these late payments. They investigated the matter and acknowledged that the errors were made on their end. They have since corrected the errors on their records, but Experian is still reporting the late payments on my credit report. 

I am very concerned about this. These late payments are wrongfully affecting my credit score and making it more difficult for me to get approved for loans and other forms of credit. I am also experiencing stress and XXXX due to this situation. 

I am requesting that Experian immediately remove the late payments from my credit report. I have attached copies of the documentation that I have received from XXXXXXXX XXXX that proves that these payments were made on time. 

I am confident that this is a clear-cut case of error. I have been a responsible borrower for many years, and I have never had any late payments on any of my accounts. I am requesting that Experian take immediate action to correct this matter.

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