BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
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:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  GA ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 2021-08-13
Company: Bay Equity LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XX/XX/2021, I contacted XXXX XXXX for a home purchase. They recommended their mortgage loan company/person of interest, Bay Equity, XXXX XXXX. It started fine, however when I started to shop for my own loan, XXXX was becoming very defensive, almost as if he was offended that I would do such a thing. At first, I knew it was just his mind games trying to make me concerned and go through him. But then as he pressed to continue the loan that he already told me I was approved for, he then takes it back and says " hey, so you actually aren't approved and I need you to forge some documents for me ''. 

I thought he was kidding at first, but then he continued telling me how I wouldn't have enough money without " renting out '' our property first. He said it's just " a little forgery '' and fraud isn't a big deal. I contacted my realtor to let him know, but then he echoed out " It's just a little fraud, it's not a big deal ''. I was done. I called his boss to let him know what was being asked of me, and he was shocked. He immediately removed my realtor from escrow and took over, and I went with another lender. He and XXXX were constantly texting me afterwards saying " it's not a big deal, we can still make this work '' ( I have all the text messages ) I wanted to report XXXX XXXX and will be reporting the realtor as well ) so he doesn't cause harm like this again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: WI
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:
I recently started trying to fix my credit report, and the rep started listing inquiries that I did not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been unable to dispute credit collection claims filed with XXXX Prepared For XXXX XXXX, Report Number : XXXX. 

XXXX have been very problematic because it would not accept my evidences to dispute the fraudulent credit collection claim made by XXXX XXXX through XXXX, XXXX XXXX XXXX is the Community Manager.

In XX/XX/2021, I chose not to discuss the negative comments/feedbacks regarding my assessments of the poor management of the property by the property management. Thus, I believe XXXX XXXX retaliated to my negative review of the property managment by overcharging and aggresively trying to collect that led to the fraudulent charge and the quick reporting of the charge to the bureaus. Please see the attached " XXXX - A message from XXXX XXXX Survey complaint ''. 

My lease ended in XX/XX/2021. As shown is my last rent payment confirmation by XXXX XXXX. 
As shown below, I was awaiting a response to the email disputing the charge when XXXX choose not to respond instead filed a fraudulent debt collection claim with the credit bureaus. I consider the filing with XXXX as extortion. I am still awaiting a reply to my Final Account Statement email of XX/XX/2021. 

Disclosing and providing my social security number to the collection agency was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023 this consumer sent a certified letter informng XXXX that the compamy was indeed out of XXXX XXXX compliance. In addition they are furnishing false information. I sent the letter accompanied with a copy of my Identification and a copy of my eletric bill. I have my green receit proving this. I recently received a responce from XXXX requesting a copy of my identification and a copy of proof of m address! XXXX is stalling, while this company stalls my life is being negativly affected byt their false 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 explanation
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I received an email from Bank Of America ( BOA ) stating my account was ready to be uploaded and funded. I immediately contacted BOA 's Fraud Department to notify them that I had not opened an account with them. On that same day, BOA shut down the account and everything was okay. 

On XX/XX/XXXX, I received another email from Bank of America stating an account was established in my name and again I called BOA and was assured the account was shut down. The Fraud Center recommended I contact XXXX and let them know my identity was stolen and to shut down any access, to ensure BOA would not open any more accounts. I did as I was instructed to do and contacted XXXX. At the end of XX/XX/XXXX, I received a Bank of America checking account bank statement on account number XXXX XXXX XXXX stating it had a XXXX balance. As a retired XXXX XXXX, I chalked it up as the computer issued a statement in error and that should be the end of the situation. Well, today I received another statement, so I immediately contacted Bank of America at XXXX and I asked why was I receiving statements on an account that shouldn't exist. Long story short I was informed by two employees they had no idea or clue and could not even verify if a statement was truly issued. One questioned if I actually received an authentic BOA statement. 

My concern is that I was under the impression that this account was closed and or even deleted from their system and obviously if I am still receiving statements it still exists. My other concern is that Bank of America is not doing its due diligence and fiduciary duty to ensure accounts are not being opened by people with fraudulent intent. If they ran Credit Reports and not XXXX this may have given them a better look at a consumer 's information and possibly that would have brought up questions of the customer 's phone number listed and or previously listed addresses etc. This whole incident is very troubling and stressful to me. I am listing the previous account number set up under my name in XX/XX/XXXX ; the account number ending in 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 2021-08-13
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'm am sending a complaint because my student loans have been sold 6 times between lenders for 20 years. I inquired about the legality of my loans being sold without my permission and no one has responded the loans went from Sallie Mae, to XXXX, to another one, and then to Navient who spiked the rates and the fees. My loans went from $ XXXX to $ XXXX. In addition, I filed a complaint about XXXX XXXX  for fraudulent charges for courses and years I was no longer enrolled with the school. It was a tuition mill. When I called and asked for transcripts, I was never contact and that was a year and a half ago. Currently I have an excessive amount of loans that I don't have the original amount for. This is insane the charges etc. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2023-12-08
Company: NCD Financial, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I'm XXXX, I have XXXX, XXXX, memory problems due to XXXX XXXX XXXX XXXX. I thought the blender was paid off 2 years ago but it wasn't, so I called to try and see what I could do to settle the debt. I can't even afford to get food without my food stamps. After all my bills and rent are paid, I have {$12.00} that usually pays for my medicine, so i wanted to know what the lowest payment they could take, I could afford {$12.00} if I didn't get my meds and they refused to take it. They said they will sue me if I can't pay {$100.00} of my {$130.00} debt and if I can't pay them I will go to prison. I offered to give back the blender, it's in good condition but they said it's past that. They said I had till XXXX to pay or else they will sue me. They scared me so bad I had a XXXX XXXX and had to call the head of my health team to calm me down. They told me to pull up my XXXX XXXX XXXXXXXX and stop crying and pay. I asked for advice on how to get the money but all they told me is just pay. I don't have a way to raise money for this, I called to try and work it out but instead they verbally abused and threatened me with legal action. The head of my health team said that what they did breaks the law or something? And that I should report them. I was so scared that they were going to put me in prison because I can't afford all the legal fees they said they would put on me. I tried to explain my situation but they hung up. I am actually scared, I try so hard to not have debts, I try not to live beyond my means and this was such a shock. I literally had XXXX on the XXXX, and have no way to get out and try to make the money they want. I'm still so very confused and upset as to why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

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 2021-08-13
Company: American Collection Services, Inc. (OK, TX)
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: Old information reappears or never goes away

Complaint:
I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month. 

Reported by XXXX  : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX  XXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX  ( also known as American Collection Services ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on. 

Reported by XXXX  : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX  XXXX XXXX ( They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Allied Collection Services, Inc. (Nevada)
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX XXXX in XXXX XXXX Nevada towed a XXXX XXXX XXXX as a removal service in XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX ' The Tow XXXX XXXX XXXX then called me to determine if that vehicle was mine and attempt to collect ( via racketeering ), on storage charges for the vehicle. Allied Collection Service and The XXXX XXXX XXXX work together to create fake charges for racketeering. I sold the vehicle in XX/XX/XXXX to an individual. His name is on the back of the title wherever that is. I also have a bill of sale. The XXXX XXXX XXXX claims I owe them the storage fees for a vehicle I had sold almost XXXX years prior. If the vehicle did belong to me, XXXX XXXX XXXX XXXX failed in their due diligence to notify the possible owner of the vehicle they had possession of it, nor did they give the potential owner the opportunity to recover said vehicle. This is a XXXX  scheme from start to finish.

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 2021-08-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian reduced my credit score six times in one month, yet fails to reflect that I paid off {$9000.00} of CC debt over the last month. This is not a level playing field. Additionally they have me listed as XXXX 'Fair ' credit while XXXX XXXX ( historically a tougher measure ) lists me as XXXX 'Good ' Credit. 

If Experian ( or any of the bureau 's ) is going to SUBTRACT from my score multiple times a month then they also must reflect the POSITIVE aspects of my credit worthiness multiple times a month. Curiously ONLY Experian did this. My attempt to contact them to discuss their uneven playing field resulted in stonewalling. the excerpt of that chat is below. 




Please wait while we transfer your chat to the next available agent. 
Virtual Assistant Unfortunately, there are no agents available at the moment XXXX XXXX  Pst.. are you still there if you do not respond in 1:30 seconds your chat will be disconnected. 
XXXX XXXX  Me respond to whom? 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me who programs your chat? 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me you dropped my credit score six times in one month yet FAILED to recignize that I paid off {$9000.00} in CC debt. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me you do not understand anything. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me you are stupid. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me representative. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me operator XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me manager XXXX XXXX  Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me human XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me agent XXXX XXXX  Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me you are as stupid as your programmer. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me I concur. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me what do you understand? 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me clearly. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me Federal investigation XXXX XXXX  Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me Federal Trade Commission XXXX XXXX  Virtual Assistant Sorry, I didn't understand that.

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 2023-08-03
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to file a formal complaint against Equifax Information Services LLC, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX. These three credit reporting agencies have failed to rectify an inaccurate bankruptcy entry on my credit report, despite clear evidence of its inaccuracy and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated attempts to dispute the inclusion of this bankruptcy on my credit report, Equifax, XXXX, and XXXX have each responded by claiming to have verified the accuracy of the bankruptcy through XXXX. 

However, my extensive research clearly indicates that the bankruptcy in question has not been present on XXXX 's report for several months. As a result, the continued reporting of this bankruptcy on my credit report is both misleading and detrimental to my creditworthiness. 

I have also sent each credit bureau individual dispute letters, citing the FCRA and providing evidence of the bankruptcy 's absence from XXXX 's report. However, they have not taken any appropriate action to investigate or correct the inaccuracy within the required 30-day timeframe. 

This failure to comply with the FCRA has caused significant distress and harm to my financial well-being, as I have been denied access to credit opportunities and subjected to higher interest rates due to this erroneous bankruptcy entry.

Company response to consumer: Closed with explanation