BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is another situation of XXXX XXXX XXXX XXXX, XXXX trying to again foreclose on my home again for a third time!!! the last two fraudulent times my credit was identified as being cleared of the two accounts which this bank supposedly cleared off of my credit due to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 's credit reported information in XXXX as being in default of the primary fake account first mortgage which later proved to be forged/photocopied documents used in the foreclosure sale on XX/XX/XXXX. Now the most recent ILLEGAL foreclosure sale on XX/XX/XXXX, of XXXX Again fraud discharged this second so called mortgage HELOC as this fraudulent sale was initiated and part of this illegal foreclosure sale was discharged with this illegal sale. Now I get the attached credit report from Experian dated XXXX showing this heloc as being in default even though it legally should have disappeared with the most recent illegal foreclosure sale on XXXX XXXX, XXXX. I have also filed complaint with the FBI, FHFA-OIG , IRS-OIG and etc... This is where this bank is trying to set me up for Another ILLEGAL foreclosure sale using this account. Please see attached this discharged with last foreclosure sale has damaged my credit even though it was removed from my credit reports has been put back on without the first primary fake mortgage that was foreclosed on twice!!!! This is credit fraud and XXXX XXXX XXXX Bank is responsible for this false credit reporting while trying to AGAIN trying to set me up for another illegal foreclosure sale. This is severe financial, emotional abuse leading to additional physically abuse causing this XXXX yr old, XXXX, indigent woman with only a high school education to be again terrorised into having another cardiac event as I recently had XXXX XXXX this causing severe emotional duress with all of this illegal fraudulent XXXX!!! this so called HELOC does no longer exist and it is listed under another alias of XXXX XXXX XXXX XXXX, NA being now called XXXX XXXX XXXX is doing this to me on behalf of XXXX XXXX XXXX XXXX, NA. This again is a pattern criminal act of illegal foreclosure attempt coupled with tax evasion while damaging my credit, I do not blame the credit bureaus they are all being given FALSE credit reports. I believe this is a full blown conspiracy and am requesting the CFPB look into my other CFPB complaints to see the connecting criminal acts against me for illegal debt collection by all parties mentioned in this complaint. I will also be filing with other state and federal agencies as this illegal criminal activity continues to illegally try an Steal my home for profit.

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 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Opened Bank of America secured card in branch XX/XX/XXXX and put down {$99.00} deposit ; was told by employee opening account that the deposit would be returned and the account would become unsecured no later than XX/XX/XXXX. Account has since remained secured and deposit had yet to be returned to me. Despite multiple attempts to get the issue resolved ( including in person at branch, via the app, and over the phone ), customer service continues to tell me theres nothing that can be done.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi Experian ; XXXX ; A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Notably, your recent investigation does not specify the data furnisher 's name ; it simply indicates that the information is certified as accurate. I am curious about the source and method of certification. 

I kindly request that you validate this information and provide copies of any associated documentation with my signature. I formally request the immediate deletion of this information from the credit file associated with my social security number. Please be aware that I am closely monitoring my credit file, and you have precisely 30 days, in accordance with the Fair Credit Reporting Act 623 ( a ) ( 3 ), to complete this investigation. I will maintain meticulous records of all actions concerning my file.

Failure to respond satisfactorily within 30 days of receiving this certified letter will compel me to pursue a small claims action against your agency. In such an event, I will seek {$5000.00} in damages, which may include but are not limited to : Defamation Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Your prompt and thorough attention to this matter is greatly appreciated.

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 2023-03-31
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and I have found the following items listed below to be in error. 
XXXX XXXXXXXX -ACCT # XXXX Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave you, OR ( XXXX ) any written instruction to furnish any information on my consumer report, which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices mentioned above. The account listed below has a late or missed payment status that is incorrect. This account was NEVER late and should be listed as PAYS or PAID AS AGREED. Please furnish any proof of verification of this alleged late payment that you have. If no proof is attained and sent to me, please remove said late payment. 

I was never late on ( XX/XX/2022 ) on this account please update the account as Paid/Current. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and documentation proving that I am or have been late. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, 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 2022-02-26
Company: Experian Information Solutions Inc.
State: GA
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 disputed a positive account in exceptional standing only because I thought once I closed it, it would be removed from my credit report. I did not know that closed accounts couldn't be removed from my credit report. Experian incorrectly disputed the actual validity of the account itself, and when the status of the dispute didn't change, they lowered my credit score 4 points, as if this was a negative account, and it is a positive account so my credit score shouldn't have been lowered just because the status of the dispute is that it remains unchanged and is still listed on my credit report. Therefore I want to file a complaint about Experian.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 Credit Bureau continues to commit fraud by reporting inaccurate information on my credit report. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act prohibits creditors from reporting and collecting debt that has been settled, discharged, or is no longer collectable. It stands to reason that creditors may not make credit reports or collect debt after that debt is reported on an IRS form 1099C. Per the FCRA, as a Federally protected consumer I'm now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 U.S.C. 6802. The law says it's illegal to report transaction history on my credit report per H.R. 4120-Comprehensive Credit Act of 2021. A charge-off is considered a certificate of indebtedness which means it's considered income and income can not be reported on my credit report. According to 15 U.S.C. 6508 I have a right to opt out of the inaccurate information on my credit report. XXXX Credit Bureau is in violation of 16 CFR Sec. 433.2 Preservation of consumer claims and defenses unfair or deceptive acts or practices. XXXX Credit Bureau also violated the Privacy Act of 1974. The inquires on my credit report is in violation of 15 U.S.C. 1681 of the FCRA-Permissible Purposes. Also XXXX Credit Bureau is in violation of the Family and Educational Privacy Act of 1974 by reporting XXXX  loan history. When I signed up for a XXXX loan, I signed a privacy act form that said the school will not provide transaction history to any third-party companies. If my credit report isn't adjusted, I will be forced to file a lawsuit in Federal District Court.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2019-10-01
Company: AES/PHEAA
State: AL
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 contacted FedLoan services about cancelling my account and getting a refund since it was advertised and they said they could cancel the account but could not give me a refund. I contacted them on XX/XX/19 about this. This is a public service forgiveness program and I am not in public service. I can not get enough information as to why I can not and I was not given this information at the set up process. I was unaware I would be out 3 payments of {$180.00} to a total of {$550.00} that I paid. I need a refund and I have nowhere to turn to to get my money back. I just want to dispute the charges made to my bank and get my money back since I will be using my bosses service company to pay back my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im begging you please remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im begging you plese remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: HireRight Solutions, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
HIRE RIGHT HAS CAUSED ME TO LOSE THREE JOBS. THEY CONTINUE TO REPORT THAT I HAVE A WARRANT IN ANOTHER STATE AND I DO NOT. THEY USE ONLINE TOOLS WHICH IS WRONG TO REPORT WRONG INFOMATION. I HAVE WENT TO THE POLICE STATION ON XX/XX/2022 AND THEY DID A NATIONAL SEARCH AGAIN AND THERE IS NO WARRANT NO PLACE IN AMERICA. I HAVE TRIED TO WORK WITH HIRE RIGHT AND THEY KEEP LYING SAYING THEY VERIFIED. BY LAW YOU HAVE TO ACTUALLY GO TO THE PHYSICAL PLACE AND SHOW WHY YOU HAVE INTEREST AND SHOW YOUR DRIVERS LICENSE. THEY HAVE NOT ONLY DID THIRD PARTY INQUIRIES INSTEAD. THEY CONTINUE TO REPORT WRONG INFORMATION. WHICH IS AND WILL CAUSE LEGAL ACTIONS AGAINST THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: ZuntaFi Corp
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had signed on to pay by loan for a company named XXXX XXXX with XXXX XXXX. I received the loan double the amount due to my race. The loan with XXXX XXXX through ZuntaFi was for a 90-day trial based on my satisfaction with the training. I explained to them have never received any training from XXXX XXXX. Still, I had paid ZuntaFi since XX/XX/XXXX. When I filed a complaint against XXXX with the FTC after speaking with their representative, XXXX XXXX, XXXX, who said she would try to assist me in getting a refund. She asked me to XXXX XXXX and spoke with XXXX at XXXX, whose number was shortly disconnected. I spoke with XXXX XXXX again, and she asked me to speak with XXXX XXXX at XXXX, XXXX 's main number. I received a text asking if I needed assistance, but no one ever contacted me when I told them that I wanted a refund because I had never received any training. 

Today, I called ZuntaFi XXXX, returning a call from XXXX from XX/XX/2023, at XXXX pm, who was busy, so I spoke with XXXX, who told me that I had already spoken with him, which was not valid. My loan had been transferred to another lender : XXXX XXXX XXXX, XXXX. She gave me their phone number, XXXX, to contact them, telling me they were my service provider. She stated that an email was sent to me on XX/XX/XXXX XXXX XXXX  to notify me of the change and that XXXX had spoken with me regarding the change, which he did not. 

Coninsendially, I noticed that my loan with ZuntaFi was double the amount requested. I am not sure if it was because of race, but I have no other things to measure it by since my credit is good. Therefore, I would like ZuntaFi to honor the agreement with XXXX to refund my money which has previously done by XXXX XXXX XXXX. I was only contacted via text today by XXXX XXXX XXXX  giving a phone number of XXXX with account # XXXX at XXXX am. It states welcome to XXXX on the text from phone number XXXX. 

I am an XXXX XXXX senior, and I feel as if I have been royally royal jellied and that there are no solutions to this mess. I filed a complaint against XXXX XXXX, adding XXXX XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-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 2022-02-26
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A few weeks ago, One Advantage sent me a letter stating I owed a creditor money.

I responded by US Mail, with a 7-word note stating I owed no money and to refrain from contacting me again.

They contacted me again.

Less than two weeks later, they sent me a second note, with an enclosure an itemization, writing, Enclosed you will find the information you requested. I requested no information. Not only was this second contact unethical, they lied. 

I request that this harassment stop immediately. 

Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, I received an alert from XXXX  that a credit inquiry was listed on my credit report from XXXX, XXXX. I have never ever even spoken to anyone at this company or about their product. I called the company to file a complaint that same day and explained to them that I did not authorize any credit report being pulled nor have I spoken to anyone at this company before. The customer service rep took down my name, email address and phone number and said she was going to forward my information on to get this investigated and would advise of the outcome. 

Then on XX/XX/2018, a XXXX sales rep knocked at my door to try and sell me services. I explained to him that I thought it was ironic that I had just received a hard credit inquiry on my credit report. He stated that he wasn't sure why that would happen because he didn't have my social security number but they can pull a soft credit inquiry to offer services when they are out in neighborhoods. He said it could have been a soft hit but nothing more. I explained to him that I had never had a conversation with him or anyone at this company about providing services and they did not have my authorization to pull anything on my credit file. I told him that I filed the complain with XXXX and that I wasn't interested in anything he had to sale. I am under a 3-year contract with XXXX and therefore I would not have any need for anything they have to offer nor was I interested especially if they violate consumer protection laws. He apologized and said he didn't think it would be a hard inquiry because he didn't have my information. He could only use my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief