BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is a legal and notarized document and request for proof of claim, 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 : US DEPT OF EDUCATION # XXXX, US DEPT . OF EDUCATION/XXXX # XXXX 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.

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 2020-09-17
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 Best Buy reported to XXXX bureau a hard inquietud under my name that I did not authorized.I contacted both XXXX and Best Buy to clarity this issue and to creat and aleart on the XXXX bureau. They assured me everything was going to be clarify and required from me to contacted best buy to let them know I was victim of identity theft. They were supposed to send al letter to equifax explaining that I never applied for Best Buy credit Card inquiry and to request removzing this inquiry from my credit report. Up to date nothing is being done and this hard inquiry remains on My XXXX 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 explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: FL
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 Reporting Act Online Information System Account # ending in XXXXXXXX XXXX XXXX XXXX XXXX # ending in XXXX, and XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U S.C 1681 Section 602A states that I have a right to privacy. 

15 U S.C 1681 Section 604A also states that a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Lewisfin.com, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Advertisement played on XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX NMLS # XXXX / XXXX XXXX XXXX XXXX NMLS # XXXX | XXXX XXXX NMLS : XXXX The advert makes the statement " remember that bad appraisal from the bank that ruined your refinance? we can fix it '' This is fraudulent on several accounts because it offered no qualifiers or restrictions at any point during the advertisement : - FHA appraisals are tied to a case number and can not be re-ordered until expired - Appriasals can not be 'fixed ' - they can be challenged in very specific ways. Even when done by a skilled LO, a value change via appraisal challenge is by no means a guarantee. The can be reordered under CERTAIN circumstances. 
- " a bad appraisal that ruined a refinance '' may well have been one which appraised very low due to adverse market conditions - re-ordering or challenging an appraisal will not solve this problem. 

This advertisement is designed to drive leads to the lender that would result in adverse consumer mortgage experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CITIBANK, N.A.
State: OH
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:
Reviewed a copy of my credit report and seen accounts that are fraudulent and does not belong to me. The accounts need to be deleted from my credit report immediately. This is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : BEST BUY/CBNA  # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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
Consumer complaint received 2020-10-30
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Home Depot reporting past due, incorrect credit delinquency. no past due payments should be reported 30 days late

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 2020-05-27
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: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$320.00} XXXX XXXX   XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY

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 2020-09-11
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: Account information incorrect

Complaint:
XXXX ; XXXX  and Transunion should not be reporting a collection in the amount of {$5600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am negotiating a settlement with XXXX and therefore XXXX XXXX should not be reporting this account. I have attached documentation for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have a XXXX XXXX XXXXXXXX. XXXX sent me forms to complete. During this time, my account was in administrative forbearance. However, XXXX XXXX XXXX XXXX payments in XXXX, XXXX and XXXX. 

Most recently in XXXX, when my account entered repayment without my knowledge, they send the notice by USPS to an OLD address. My address has been updated by email and phone on three occasions in XXXX and XXXX. When XXXX was made aware, they instructed me to dispute with credit bureaus rather than fixing it themselves. When I disputed through credit bureaus, they refused to fix their error despite my credit report even showing the updated address. 

Moreover, the terms of the loan state that as a resident of Maine, I was eligible for loan discharge due to XXXX XXXX XXXXXXXX proven by the form they required my doctor to complete. Yet, they continue to deny, delay and refuse to fix my credit report which caused me to lose a mortgage and reduced credit rating. 

XXXX continues to deny my discharge and is punitive with reporting. I need 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 non-monetary relief
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I started receiving phone calls from Trans Union. They leave a message saying they are a debit collection service and I need to call XXXX, ask for XXXX XXXX and my reference # is XXXX. I noticed that the number that called me was not the number given to call back to but I did not write down what it was. I have attempted to return the call 3 times. Each time I am told that all representatives are busy. That recording will come on periodically. After about 10 minutes of being on hold another recording says no one can help me at this time, please call back. I do not owe anyone anything as far as I know and I want this to stop

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 2021-02-25
Company: EQUIFAX, INC.
State: IA
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 the 10th CFPB complaint, Equifax refuses to take anything seriously, and instead of removing accounts that are not mine, they add an additional account to my credit report that is not mine. Equifax is intentionally adding accounts or addresses that are not mine. I'm filing a federal lawsuit on XX/XX/21, this is the last time I'm trying to resolve this out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX  XXXX, OH 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 2020-09-17
Company: U.S. BANCORP
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:
It was brought to my attention through XXXX and XXXX that US Bank is inaccurately reporting a debt. An origina student loan from 2008. They added this derogatory account and upon further research this account was paid and was never late. This account has been transferred and sold several times. According to the FCRA my rights have been violated. This company has a phone listed that is no longer in service. They have failed to validate such debt with my written signature.

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 2023-07-08
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I contacted my dentist about a past bill. They told me to contact radius global solutions to pay the bill and provided a number. After calling that number I was directed to another phone number. After talking to the customer service agent I was charged {$180.00} to settle the debt. Within 2 hours my same card was charged fraudulently multiple times for clothing and food from XXXX and XXXX. The employee clearly stole my credit card information and went on a spending spree.

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 2018-03-01
Company: Compass Recovery Group, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company has been calling my personal cell and work number multiple times a day. I submitted a complaint in XX/XX/2016for harassing calls and rude/threatening behavior from one of the female callers. I verbally notified them to stop calling ; however, I am receiving harassing calls once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$320.00} XXXX XXXX   XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The list of account ( XXXX ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX XXXX, # XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without 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 buy more than seven years.

15 USC 1681 S-2 ( A ) ( XXXX ) 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.

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 2021-05-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email on XX/XX/XXXX from XXXX XXXX stating that effective XX/XX/XXXX the card could no longer be used and the account will be closed in XX/XX/XXXX. The company filed for Chapter XXXX bankruptcy. I inquired about the affect that this will have on my credit score and their reply was to check with a credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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: Account status incorrect

Complaint:
XXXX P XXXX XXXX, XXXX has been reporting for a period of time that exceeds the FCRA timelines for deletion eligibility. The statute of limitations for this account has been met, and I am requesting that the data 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 explanation
Consumer complaint received 2020-05-27
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Credit card or prepaid 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:
Tried to book a flight on Delta. They advertise a special offer with an American Express Delta Skymiles card. So I signed up. Was denied the statement credit. Received approval email. But can not purchase tickets without the card number. 
I created an online account with American Express. I can see the last 5 digits of the card but I can not get the card number. Used online chat then 2 phone calls to American Express but still could not get the card number. 

Without it, the card is useless. I can not wait a week to get the card before buying the tickets. So now I will have to cancel the card but will take a hit to my credit score because American Express and Delta lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I got a loan through XXXX XXXX XXXX on XX/XX/17. 

I filed for Chapter XXXX Bankruptcy in XX/XX/2017. The vehicle loan was excluded from the plan. ( Proof attached ). Timely payments have been and still are being made. 

Since that point the loan, on my credit report, has continually showed incorrectly. Some months it shows that it is closed. Some months it shows as being open, but no balance, no payment information. Some months it shows open but being part of bankruptcy. 

Currently, it is not showing anywhere on my TransUnion account ( it isn't shown as open, it isn't shown as closed, etc. On XXXX  it is showing as closed, XXXX  % paid off, but no payment information ( Highest Balance = {$0.00} ) - XXXX  screen shot attached. 

I disputed with TransUnion on XXXX XXXX & XXXX XXXX ( via XXXX   website ), details attached. I also disputed directly with XXXX  on XXXX XXXX   ( details attached ). 

In all cases, " changes '' were made to the reporting, but the changes were still inaccurate and the following month the reporting changed ( sometimes reverted, sometimes to something completely different ).

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