BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Apelles, LLC
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 : Apelles LLC XXXX ( XXXX ) To Whom it may Concern : This is a 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want to file a complaint to TRANSUNION. As per the Fair Credit Reporting Act everything must be 100 % precise on my credit report. My account was properly investigated by the credit bureaus, but how is that possible when the open date, date of last activity, balances, and date of the last report are all incorrect? This ground for evacuation they likewise abused my freedoms.

I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A. Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account. Additionally, it took the credit bureaus more than a month to finish my investigation.

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 2021-12-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
we needed CFPB Order TD Bank to refund our in the amount ofXXXXand XXXXfor overdraft and returned fee of XXXX from XX/XX/2021 through XXXX XXXXin XXXX month is what TD bank charge and returned all the item and collect these fund from our bank account. i just look at the CFPB report where that was order to paid these fund back to the XXXX XXXX XXXX most convenient bank TD bank was ordered to pay XXXX million in penalty and restitution to it custom this ordered by the CFPB. as of XX/XX/XXXX. XXXX and we just file a compliant against this two month. ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Mortgage Research Center, LLC
State: OR
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:
Have a veterans loan with Veterans United. Veterans United automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. VU never completed a phone call or mail notification of the problem. VU removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with VU for weeks to correct the problem. However VU and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems

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 2020-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Found issues on my reports so I sent the bureaus disputes after reading about the laws understanding the use of them on how to help myself better my credit with my identity and proof of what I discovered.This is holding me back from many things in which my credit is needed. 
I sent out 2 different letters both 30 days apart yet I got no timely response? reply all bureaus received my letters XXXX EQFX XXXX I will attach the most recent letters so you can see that they were sent certified but if you need any other proof i can do so as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was charged with unauthorized use/fraudulent charge on my Chase Freedom credit card by XXXX XXXX CT and XXXX XXXX CT accrued from XXXX to XXXX. I discovered the transactions and reported to XXXX Credit Card Fraud operations in XXXX, XXXX. The researched and credited the unauthorized charges on all transactions from XXXX. I sent them the claim letters on XX/XX/XXXX on the all unauthorized charges occurred during XX/XX/XXXX to XX/XX/XXXX. 
The total payment I made on their unauthorized charges is {$1400.00}. After I researched, I found the following unauthorized charges from them started back to XX/XX/XXXX, from then on they charged my credit card {$15.00} and {$8.00} separated each month. I did not authorize or used any of their services, merchandises nor any form of service. I never received any billing, invoices, receipt nor statement from them. I called them on XX/XX/XXXX, their representative told me they could find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I wrote a letter to Ad Astra Recovery Services, requesting them to provide proof that they are, in fact, contracted with Speedy Cash in order to collect a debt that is not owed to them. Further, I requested validation of the debt, including a contract between myself and Speedy Cash. 

Certified Mail Number XXXX XXXX XXXX XXXX XXXX I have, since then, received none of which was requested. However, Ad Astra Recover Services continue to report this account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: UHG, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I got a phone call from a lady who identified herself handling my case file her and that she was about to file my case in court if I did not respond today. I did not catch her name and she did not state her company details. 

She gave a call number XXXX. 

When, I called that number, an XXXXAmerican  male answered and after confirming my identity, he went on tirade on how I came form XXXX to try to rip money off people in America. That some have been looking for me and are about to throw me in jail. 

He reconfirmed my address and that if i did not respond immediately some XXXX people are getting ready to throw me in jail. However, he was ready to help me only if I could calm down. However, since I could not get him to state who he really happens to be or who his employer is, except to say that I owe money to XXXX XXXX who has been looking for me everywhere and were coming for me right away, I had no no choice but to hang up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a account with Huntington for many years. Due to the pandemic, I have been without a job since XXXX, XXXX. I've always enjoyed using Huntington and have found their customer service to be top notch. This year has proven to be different. On XX/XX/XXXX I got an alert that my bank had a withdrawl of {$1100.00}, I immediately called Huntington and they had no idea what I was referring to. It wasn't for a week later I was finally able to get to a higher up in customer service who would tell me it was for a garnishment, which I wasn't aware I had a garnishment. I contacted the court, told them I did not receive any sort of garnishment paperwork, they referred me back to my bank. I'm on unemployment, the funds in my account are unemployment funds which are protected which the court agreed to as well as the representative at the XXXX XXXX, MI location. I was promised Huntington would get back to me and I have yet to recieve a resolution. As of today due to this issue I am out {$1500.00} with no regard to getting it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Square Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a brand new phone last week on Wednesday ( XX/XX/15 ) and logged in via my phone to my Cash App ( The payment transfer app from Square ) using my phone number. I believe that the system locked my account because it was a new device that they did not recognize so I did not think it was a big deal so I simply submitted a support request to have them unlock my account. This was submitted on that same night. 

Thursday morning a customer support agent emailed me from Cash App asking me 6 different questions to unlock my account. I immediately replied to the email with all of the information that they asked for within minutes and have yet to hear back from them. All of my money ( {$4100.00} ) is in that account as they tote their direct deposit capability and encourage people to keep their money in their app and I can not transfer it to my XXXX bank account or get ahold of someone on the phone to verify that it is me so that they can unlock it. Have tried contacting them via eMail, social media and even adding their customer support representatives on XXXX but haven't received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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:
Thank you for your recent contact dated : XX/XX/XXXX2020. 

I wrote to you on XX/XX/XXXX 2020, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, and what actions s/he has taken in relation to this account.

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX  .I 'm closing on my apt XX/XX/XXXX 2020.XXXX reassure me that I Wouldn't t be reported to the credit bureaus for a late payment! when the XXXX  apt is being paided off on the XX/XX/XXXX, 2020.Please reach out to XXXX and have it corrected, 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 2023-06-26
Company: EQUIFAX, INC.
State: PA
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:
There are an UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
Company: LEXISNEXIS
State: NY
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:
Lexis Nexis illegally obtained my personal information from a 3rd party source ( XXXX ) WITHOUT MY WRITTEN CONSENT. Lexis nexus in the letter told me that my bankruptcy is public record, but that is a lie pursuant 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy, which states I THE CONSUMERn decides what is private to me, and I DEEM THIS bankruptcy to be a very private matter. I feel very violated because I never gave XXXX written permission to share my information with anybody so they violated Under 15 U.S Code 1681b permissible purposes of consumer reports because I never gave you any written consent to report anything on my consumer report no consent is identity theft. I wrote a letter the the bankruptcy court and they told me that they never shared my information with the credit Bureaus and lexis nexus is blaming it on XXXX. either way it goes, they all broke the FCRA LAWS when they shared my information illegally. under FDCPA 807 misleading false reporting you can not legally report this private bankruptcy to the credit Bureaus.please remove it asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to Privacy and Confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : 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 ) : States 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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent numerous letters to XXXX, Transunion and XXXX  disputing inaccurate items on my credit report since XX/XX/2021 with no response by phone, mail or otherwise and no results.

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 2020-04-30
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have written to XXXX several times as well as to XXXX  and Equifax pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions 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 have an account on my file from the XXXX XXXX XXXX. ( Account number XXXX ) I disputed this account for being outside of the 7 year federal obsolescence period for remaining on the file. The bureaus removed it. 

One month later the account came back on my file. XXXX XXXX changed the data on the account to put it back into the obsolescence period ... but didn't count on the fact that I have copied the way the account looked on the bureaus before and after it was removed. 

I have attached two copies of how this account appeared on my file. In XXXX, you can clearly see that the last payment ( the date used to determine the obsolescence time period ) shows as XXXX of XXXX. Since the credit bureau industry uses 6 years and 9 months instead of 7 years ( to assure they remain in compliance ), it was properly  removed. 

But XXXX XXXX then CHANGED the data on the account. They removed the last payment date entirely and then deleted all historical payment date prior to XXXX. Thus giving a new obsolescence date. 

Now the FCRA provides two levels of non-compliance. 1 ) Negligent Non-Compliance where someone just makes a mistake. 2 ) Willful Non-Compliance where someone manipulates data to trick the system. The second non-compliance holds that a consumer make seek damages. 

It is clear that the XXXX XXXX XXXX is manipulating data to put items BACK on consumers files in violation of federal law. This should be a class action lawsuit as I am sure this is happening to any of their customers whose collections are removed for obsolescence reasons.

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