BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 initially disputed a collections on my credit report back on XX/XX/2020, transunion removed it because they found it to be invalid. 

The same collection amount was then placed with a different company. Transunion then placed it back on my credit report although they have previously found the debt to be invalid. I have since disputed 3 times, once in XXXX, once in XXXX, and now this month. 

I contacted transunion in XXXX. I explained this wasnt a valid debt they stated they saw where it was previously removed. I asked them to provided written documentation of the dispute including documents showing my signature and explanation of the debt being valid. All they did was provide a letter stating that they verified it was valid. But not proof was provided. 

Im very frustrated, I want elevate recoveries removed from my credit report. They have not provided any valid explanation for debt nor have they ever contacted me. 

Im frustrated with transunion. This is affecting my credit. I have attempted to apply for a school loan and it is affecting that as well.

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 2023-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I received information that XXXX XXXX, a Director at Bank of America located XXXX XXXX XXXX XXXX, XXXX, NC XXXX had accepted monies in exchange for debiting the exact amount of my payroll check from my account using my debit card number. The person ( s ) she colluded with had also sent her copies of my debit card and driver 's license. To avoid this illegal debit, I contacted Bank of America customer service the same day and froze my account number XXXX to avoid any debits and informed them that I would go to the branch to open a new account. 

On XX/XX/2023 I opened a new account but was not able to transfer the funds to the new account until XX/XX/2023. As a result, my mortgage was paid late. Because XXXX is a Director with Bank of America, she has access to all of my banking information. Therefore, my efforts to protect my account are futile at best. 

On XX/XX/2023, a complaint regarding this matter was submitted to the Federal Trade Commission, report number XXXX. 

I've recently received communication that she has made a duplicate copy of a pay stub and as to what the plans are for it, I am unsure. 

As a consumer, I should be able to trust the personnel working at the bank. Please open an investigation into XXXX XXXX and her handling of funds especially in regard to my account. 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 2020-01-10
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 is missing that should be on the report

Complaint:
My name is XXXX XXXX and there were several things on my credit file that were reporting incorrectly that I disputed and they took good accounts that they had no business removing. What is going on with them??? They need to report the paid as agreed and the open especially if they are going to report negative information. This is stopping me from making a financial move.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They send your private bank account information over un-encrypted email, exposing you to identity theft and fraud. I have asked them to stop, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We had severe damage to our house in back to back hurricanes Laura and Delta in XXXX and XXXX of XXXX, it took a long time to get the insurance company to agree to pay for all of the damage to our home. During this time the insurance money was being held in property claims account with our mortgage company XXXX XXXX XXXX. In XXXX of XXXX XXXX sold our mortgage to Mr. Cooper and transferred the property claims funds in the total amount of {$160000.00}. When we needed to make our first draw this XXXX after finding contractors, Mr. Cooper told us they only have {$85000.00} in our property claims account. XXXX XXXX XXXX sent the correct amount over on XX/XX/XXXX. Mr. Cooper is not returning our calls and has not been able to locate our money in the last 3 weeks since weve filed our complaint of missing money. We need this money to fix our house. Weve not been able to live there for a year and a half at this point and this continues to hold up our progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: JH Portfolio Debt Equities, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX request for a full disclosure on ownership on a debt stated by XXXX XXXX  that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New York outside the boroughs of XXXX XXXX XXXX  does not have a specific licensing requirement for third-party debt purchases, the problem remains a national nightmare since the XXXX  et al v. XXXX XXXX XXXX XXXX  decision US Supreme Court  No. XXXX Decided XX/XX/XXXX. I now have no choice but to take my complaint to the Office of Attorney General state of New York. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. XXXX  XXXX has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since XXXX XXXX has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New York have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
I am writing to file a complaint to EXPERIAN regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

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 2023-08-15
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This will be the third time I try to pay my bill and log into the website or app. This will also be the third month I have this credit card. every single time I try to pay down the bill they intentionally make it as difficult as possible to do so. They create so many obstacles for payment -- should they want their website or app to work so people can make payments????? Why have I reported the issue to them numerous times, and they do nothing? How come when I submit a complaint through here, they tell me the website 's working perfectly fine when IT ISNT! This isn't so hard to investigate and verify the claims of! Their website and app never WORKS. You can only pay by calling them over the phone during business hours, and you can only view your balance by calling them directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
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 HAVE REVIEWED MY CREDIT REPORT AND NOTICED THAT THERE IS AN INACCURATE ACCOUNT THAT IS BEING REPORTED ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
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:
inquires part of my ftc that i sent already need the inquires to come off the dealership shot my credit all over the place without my permission XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX twice 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 2018-12-11
Company: Bonded Collectors of Wisconsin, Inc
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit score has duplicate negative accounts from bonded collectors of Wisconsin and it makes the balance that I have increased dramatically impacting my credit score negatively and the that is older than six years old since the day it was first entered as a debt of mine from XXXX XXXX XXXX in XXXX Wisconsin bonded collectors of Wisconsin is using manipulative business practices by submitting duplicate accounts for the same account. The statue of limitations has expired on this debt pere Wisconsin state law of 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-01-17
Company: Experian Information Solutions Inc.
State: MS
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 below : 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 2020-01-10
Company: FACTUAL DATA CORP.
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:
inquires part of my ftc that i sent already need the inquires to come off the dealership shot my credit all over the place without my permission XXXX XXXX XXXX classic XXXX XXXX XXXX XXXX XXXX XXXX  XXXX twice XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions 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:
15 UCS 1681 SECTION 602 states, I XXXX XXXX, have a basic right of citizenship secured by the Privileges and Immunities Clause of the Fourteenth Amendment to the United States Constitution and she is a protected member of the XXXX XXXX and XXXX XXXX, who enjoys the status of being a XXXX, which implies that her XXXX and protected liberty interests and rights which she has a legitimate claim of entitlement to are recognized, therefore, she retains, invokes and demands enforcement of her federal and statutory constitutional rights ), particularly her Right to Privacy, Right to Due Process and Right to Equal Protection of the Law. She alleges that each and every entity, company, corporation, organization or establishment listed on her credit report have abridged, deprived, denied, XXXX, hindered, impaired, impinged, infringed upon, invaded, restricted, suppressed, and violated her Right to Privacy ( the Constitution of the State of Florida, Article 1 Section 23 ) which is protected in the Fourth Amendment to the United States Constitution, the Right to Due Process ( the Constitution of the State of Florida, Article 1 Section 9 ) and the Right to Equal Protection of the Law ( the Constitution of the State of Florida, Article 1 Section 2 ) and they're both protected in the Fourteenth Amendment to the United States Constitution as well as vested and protected non-trivial liberty interests in freedom from bodily injury ( including shock, fright, mental anguish, and humiliation which were clearly established or securely set and easily recognizable at the time of the incidents that any reasonably objective person of ordinary prudence, care, and caution would have known.

15 USC 1681 Section 606 A Section 2 states, " A consumer reporting agency can not furnish an account without my written instructions '', and I have never willingly, knowingly, and voluntarily provided any entity, company, corporation, organization or establishment with the required or necessary documentation giving any kind of instruction or contains my authorization and approval.

Furthermore, for accounts pertaining to credit cards 15 USC 1666B states, " A Creditor may not treat a credit card account under an opened consumer credit plan as late for that purpose. ''

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 2021-05-19
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously disputed this account with US Bank and received the attached response. They did not do a thorough investigation. As I have mentioned before I am a XXXX My Drivers license and passports all have the same name.. this makes no sense I didn't even know XXXX gave credit cards for food. 

My father XXXX XXXX resided at my address through out that time however he has been incarcerated for about 5 years and I don't speak with him. I presume this debt belongs to him. 



Previous Dispute US BANK has been reporting an account against my SSN # for almost 7 years. This account does not belong to me. For almost 7 years i have been disputing this account, i have never applied, used or had knowledge of this account. I have a common name and am a XXXX. I have asked for proof showing this account belonged to me. i have received nothing. 7 years i have had to deal with this account. Please have US Bank review their records and provide proof this account belonged to me or remove it from all 3 credit reporting agencies. Today I pulled my report and now the amounts are all different. The original limit is reported as XXXX, the amount written off was {$980.00} and as of today shows past due {$1300.00}.

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 2023-06-23
Company: Experian Information Solutions 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Bankruptcy Account Number:XXXX has violated my rights. Or list of inquiries 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 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.

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.

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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed XXXX, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. 

Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.

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 2022-08-05
Company: EQUIFAX, INC.
State: DE
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  Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : 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 an account without my written instructions.

Company response to consumer: Closed with explanation