BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
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:
Notice for Proof of Claim Account : XXXX XXXX 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 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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$8400.00} {$8400.00} {$8400.00} No. of Months ( terms ) : 0 0 0 High Credit : {$8400.00} {$0.00} {$8400.00} Credit Limit : {$7400.00} {$7400.00} {$0.00} Past Due : {$8400.00} {$8400.00} {$8400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late Payment Status : Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 1 time ( s ). Was 150 days late 1 time ( s ). Was 180 days late 1 time ( s ).

Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 3 time ( s ).

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 2020-01-18
Company: REGIONS FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Placed a dispute on a delinquent report by Regions Bank on all 3 credit beaureu ( XXXX, XXXX  and XXXX  ). Provided documents supporting my claim that Regions is reporting me delinquent unfairly because the lack of communication between Regions Bank and XXXX XXXX   and their failure to properly contact me in regards to their decision to stop doing automatic debit on my current account for mortgage payment. XXXX XXXX  sent letters to my home address and tried to contact me via phone to a number I no longer had. Regions Branch in XXXX had all the correct contact info as I had updated it. XXXX XXXX had their contact info incorrect and I was unaware that they worked as two separate companies ( Only was told about this when I complained about the delinquent report ). Since I was travelling abroad at the time, I was unable to read the letters sitting on my mail box. When I returned home and saw the letters I proceeded to go to the Regions Branch inmediately and pay the past due amounts with the funds that had been sitting on my regions bank account designated for auto pay. 

Credit Bureaus failed to consider all the documents and info provided and their response letters only mentioned that they acted according to Regions Bank response that they were reporting accurately my information. 

This is an abusive use of the credit bureau report. This tool is made to properly show people who are unwilling or unable to meet their obligations on a timely manner. I strongly believe that with all the documentation I provided ( including Regions account statements showing more than enough funds available to meet payments during the due dates ) clearly shows that I had more than sufficient funds to meet my payment obligations. The only reason this was not done is the fact that Regions Bank stopped doing the auto pay in a period when I was out of the country and they also failed to properly inform me of this situation in order for me to be able to try to have payments made somehow from outside the US.

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 2020-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
RE-REFERENCING ON BOA COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Checking or savings account ISSUE Problem with fraud alerts or security # XX/XX/2020 My parents has receiving of much paper abundance from boa and they do seem to catch scan about two pages of such informations, so where here now I am really seeing of dispointfulness from XXXX XXXX. I don't see any real care about things but just round about says that somewhat provide whatever cover goes on here. It is contrar per says yet on these two XXXX XXXX dollar fees, these impart on hotel payments under usa currency and atm machine dispensements fee nothing per against those says round about says per say so-so it is erroring somehow here! The hotel should get paid by way of my debitcard and why instigate as if I am forced to atm all that money up at slight risks as to be out from these now questionable fees! 
The realestate quote of all true enough to reviewfully quote if you will, never gets answered. How unbelievable against whats needed about a bought highshelter of life! 
On the safepass online upgrade, no one had ever made such completion unto functionality, but at a time ago that representative did abstract corrective ways while we both go under some heightize-digitalize-synchronize hyper*connect. At that time, my account was bumped up about it but just not all the confirming a bit more. 
The XXXX dollar extra fee was to get reversed by XXXX XXXX but she never did a thing about it, it was v a r not to exist done via such internet purchasing. 
I have very critical airline matters and here two disputes to process. One of these matters was started but I asked to revert on this action, until and because of employee unbelievable irate unbelievable doings. 
- MORE - The bank of america has left my back account here to be quite convoluted by way of XXXX XXXX. A XXXX  case like heck and a dispute under processes of boa like heck in a way. A single international simple shipment delivery got into wacked out data and nondisclosure ignorances and then error admits unto more ignorances! MONTHS OF BOA RESEARCH TIME STATI ONLINE, CLOSES ABSTRACTLY POSITIVE, YET BOA DOES CARE ABOUT MY BOA ACCOUNT GETTING CORRECTED, IT STAYS STANDING IN FRAUD BY XXXX XXXX  HERE NONE THE LESS VIA XXXX XXXX, UNBELIEVABLE! 
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 2022-07-30
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had XXXX, 2 total XXXX XXXX  and XXXX. Lease was up on my apartment and had to move. Put trash at the XXXX trash section apartment manager said i was getting my security deposit back. Apartment manager kept my deposit and charged for putting the trash at the XXXX trash dumpster. I have pics, emails, documentation. Dropped my beacon score XXXX points. Contacted XXXX XXXX, XXXX and the collections agency to no avail. The apartment complex is known for doing this. Professional debt mediators and XXXX XXXX apartments in XXXX and XXXX XXXX Florida respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Lockhart, Morris & Montgomery Inc.
State: AL
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:
To whom this may concern Im writing this because there has been an in accurate report on my credit my name is XXXX XXXX XXXX not anything else and this person they have listed is not me and this is becoming a real issue. When I called LOCKHART MORRIS & MO to inquire about this and have it removed they said to me thats the way the cookie crumbles sometimes. Ive been trying to get this corrected and removed with no response after the first one and this is unfair medically negligent in correct and needs to be removed. Ive never even been to this place in my life this is wrong and should be illegal please remove this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My credit report shows that I have XXXX collections. The status for both is open and past due. A collection account can't be open and therefore it should not be reporting open. The fact that it is in collections means it has been charged off. A collection is by default late and past due. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Debt collector Acct # XXXX Alleged amount balance - {$360.00} Alleged Original Creditor- XXXX XXXX XXXX XXXX Alleged Original Creditor Acct # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Debt collector Acct # XXXX Alleged amount balance - {$1400.00} Alleged Original Creditor- XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX Acct # - 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 2022-12-08
Company: Experian Information Solutions Inc.
State: NC
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:
OK I DECIDED TO CHECK MY CREDIT REPORT AND THIS COMPANY APPEARS ON MY CREDIT REPORT AND HAS ME AS A JOINT OWNER THIS COMPANY HAS NEVER BEEN ON MY CREDIT REPORT AND FURTHER MORE I DONT EVEN NO WHO THIS COMPANY IS I CONTACT THEM AND THEY HAVENT DONE ANYTHING I NEVER SIGNED A CONTRACT OR SIGNED ANYTHING FROM THIS COMPANY THEY NEVER CALLED MY PHONE TO CHECK TO SEE IF IWAS APPLYING FOR ANY KIND OF LOAN OR CREDIT THIS INFO IS LISTED ON MY CREDIT REPORT SO WHY DIDNT ANYONE CONTACT ME I DONT OWN ANY EQUIPMENT FROM THEIR COMPANY OR ANY OTHER COMPANY I HAVE ASKED THEM ABOUT THIS ACCOUNT AND THEY HAVE SOMEONE ELSE 'S NAME ATTACHED TO MY SSN I OWE THEM NOTHING I DONT NO THEM AND NEVER EVEN HEARD OF THEM UNTIL LAST WEEK THEY HAVE RUINED MY CREDIT

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 2022-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hello .... I have filled a complaint on XX/XX/XXXX... 
Claim # XXXX BofA XXXX prepaid card. I have filled Fraud claims 3 times back in XXXX. For no reason claims were denied within days of submission. In XX/XX/XXXX my claim was reopened and was told it takes 45 days. I called several times to check status was told it going to take longer the XXXX Had escalated my case to a manager about. 2 weeks ago. Called today spoke to the claims rep at BofA he said the case has not been touched and noone answered to the escalation. XXXX the rep. Escalated the case again today and advised me to email you and seek your assistance. The rep reviewed my claim and saw that it is legitimate and the fraud charges that wiped my edd benefit is all documented and yet noone has done anything to fix it at BofA since XXXX. Please help me. Thank you. My email is XXXX. your assistance is greatly appreciated ... on XXXX XX/XX/XXXX I received an email from your company saying that my claim with Bank of America has been resolved. On XXXX XX/XX/XXXX I called Bank of America spoke to an agent and a manager and I was told that my claim is indefinitely pending and not reviewed since XX/XX/XXXX. Your company closed my case based on false information from Bank of America. My complaint needs to be reopened. I have tried to refile my complaint with your company I couldn't since I already have an account with you. Please respond and reopened my complaint as Bank of America is reporting to you false and untrue information. Please confirm that you received my email and that my complaint has been reopened. Thank you. Awaiting your response to 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
Consumer complaint received 2022-12-08
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So today on XX/XX/XXXX I finally got my account cleared with Citibank. They were able to verify my phone number and send me the XXXX passcode to register phone number. XXXX hours later I was locked out once again while speaking to a different individual a different representative XXXX with the most horrible attitude with the most unwittingly way to helping a person. I am now exhausted overwhelmed and very well startled because of this I might lose my vehicle when bills are all doing behind when I trusted Citibank down in my phones are just save it to my trusted bank. I am screaming for help as this is ridiculous you speak to one individual that has no idea what happened earlier what happened then whats really going on. Someone please help me use my funds

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 2022-06-09
Company: Experian Information Solutions Inc.
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: Report provided to employer without your written authorization

Complaint:
I already sent you a letter via certified mail regarding some unfavorable information on my credit record,. However, your organization neglected to remove accounts that are unverifiable and not associated with any of my addresses, so how are these accounts verified? You failed to remove and delete the disputed items.

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 2022-07-30
Company: Affirm Holdings, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a XXXX XXXX bankruptcy from 2015 that's discharged and almost of of the creditors included in that show up as negative on my reports. Also I have 3 collections that shows a balance due and It was in the middle of covid 19 and these places won't cut me no slack. How is a person like me supposed to get back to a great credit score? It's shameful and disheartening and most days I just wan na give up. You can see my current report and I paid XXXX XXXX to fix things but they did nothing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: PA
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:
There are numerous addresses on my credit report. I never gave consent to have my address shared. Especially not my current address. It does not say the name of the entity that placed the address there. I would like all of them removed because they were provided without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There's an inquiry on transunion report that should have been removed due to inaccurate reporting information. XXXX bank inquiry shouldn't be on my 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 2022-08-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My ex wife, signed my name to a credit card as a co owner. I never knew, until I got a letter from her bank, this was in 2008 I showed it wasn't my signature, and thought that was it, she filed bankruptcy on it, and now 16 years later I'm, having my pay garnishment, I filed a police report. 
I have a wife now who is XXXX. And I only work

Company response to consumer: Closed with explanation