BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent recent Experian credit report, I noticed credit inquiries that I did not authorize made by the following companies, XXXX XXXX XXXX XX/XX/22, XXXX  XXXX  XX/XX/XXXX and XX/XX/XXXX ( XXXX entries ), XXXX  XXXX  Ser XX/XX/XXXX, XXXX  XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX  XXXX XXXX  XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21XXXX XXXX XX/XX/22. I didn't authorize any employee by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Also, I spoke with a specialist of Experian by the name of XXXX XXXX who claimed she works my account and she did not attempt to resolve my issue and was impractical and unhelpful. I request that another employee is to work on my file because my experience with this individual was un-constructive as she was unwilling to remove these unauthorized inquiries. This is affecting my credit score and my quality of life. Lastly, I have filed a police report with the XXXX XXXX XXXX  Police, Case # XXXX, Incident # XXXX in regards to this matter. 
Please advise.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

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 2020-06-11
Company: The CBE Group, Inc.
State: TN
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:
I receive notification from my credit report of a derogatory item on my credit. I further look into the matter as I do not owe anyone besides my normal routine bills. I see a collection from a company I have never heard of listed as " THE CBE GROUP INC-FORMER '' in the amount of {$680.00}. I have not seen anything in writing from this company notifying me of a debt owed, or any intent to place anything on my credit for me to dispute, nor verifying I am the actual owner of the debt which is in violation of FDCPA. This company further more is NOT licensed in State of TN to conduct any business with any consumers who reside here. I would like this deleted off my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BB & T/Truist sold my mortgage to SunTrust/Truist ( moving money around on their books ) and early in XX/XX/XXXX I was contacted about being in default. I spoke to someone at SunTrust on XX/XX/XXXX. My mortgage is in COVID forbearance. 

On XX/XX/XXXX SunTrust sent me 64 copies of the exact same letter stating I was in default since XX/XX/XXXX. 64 copies seems like harassment so I called them. They couldn't give me a good reason for why 64 copies of the exact same letter were sent on the exact same day. 

Since then, I've continued to get certified letters stating if I did not bring my account current they would begin foreclosure proceedings. 

I'm stressed out by all this garbage ; 64 letters seems excessive but to switch to certified mail threatening foreclosure after I had contacted them and confirmed my mortgage was, in fact, in forbearance has caused mental breakdowns due to stress created by the thought that I may be homeless before the end of XX/XX/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 2023-10-11
Company: OneMain Finance Corporation
State: PA
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:
To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. These companies are blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing the organization to report any accounts on my consumer report therefore, the reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO THESE COMPANIES TO OBTAIN MY PERSONAL INFORMATION. Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I have not applied for no credit cards and there is some on my report. Also on the medical issue oin 2016 was suppose to be insured

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently disputed a 30 day late on my credit report and didn't get a response back.

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 2022-12-17
Company: Prince Parker & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom this may concern : I reached out to the credit reporting agencies XXXX and XXXX, to update my personal information as well as validate information that is being reflected on my credit report as a collection. the specific account ( s ) are as follows XXXX : 1 ) rent recovery, for the amount of {$2000.00}. 

XXXX 1 ) prince and parker, for the amount of {$150.00}. 
2 ) rent recovery, for the amount of {$2000.00}. 

I sent a letter showing proof to update my personal information with both bureaus. I also asked that they validate the accounts on my reports. I sent in that request via letter on XXXX XXXX XXXX I still have not received any mail nor email from either bureaus. According to the the FCRA, the bureaus should respond back to me within a 30 day time frame. I am asking kindly that you all help me with coming to a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX. have 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 credit reporting agency can not furnish an 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 2022-11-28
Company: Experian Information Solutions Inc.
State: IN
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Received Workers ' Compensation Via Workers ' Comp Judge Order XX/XX/XXXX ( XXXX  XXXX ) {$10000.00} check XX/XX/XXXX & opened a Bank of America Savings Account on XX/XX/XXXX to acquire multiple accommodations necessary for Workers ' Comp Judge Ordered XXXX scheduled for XX/XX/XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX   daily for 2 weeks. 

On XX/XX/XXXX BOA wrongfully and/or negligently allowed {$8200.00} of these Workers ' Compensation Funds to Levied by a near 10-year old creditor ( whom in the past I've had to acquire Civil Restraining Order Against for stalking and harassing me due to obsession and threatening to shoot me with his gun ) with a judgement. 

Code of Civil Procedure 704.160 Exempts 100 % of Workers ' Compensation from this type of Levy without having to file Exempt ; yet I had to file Exempt on XX/XX/XXXX after multiple attempts to point out unlawful allowance of Levy by BOA Legal Department to no avail even after Faxing BOA Legal Dept. Exempt form filed, details of CCP 704.160, and a BOA Branch Manager calling them on my behalf. Clearly, BOA Legal Dept. Associates are giving me the run-around holding money causing me Dire hardship including having to cancel XXXX & risk losing authorization after over 2yrs of fighting to get it XXXX  XXXX payment necessary for scheduled XX/XX/XXXX XXXX & XX/XX/XXXX XXXX authorized.

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 2023-03-24
Company: SUNCOAST CREDIT UNION
State: OH
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:
on Thursday evening about XXXXXXXX XXXX a charge of {$1000.00} was made on my Mastercard by Suncoast Credit Union, a Florida Corporation. I never made such a request for this charge or gave authorization. I was notified shortly after by Mastercard about this charge and said it was not legitimate. They stopped payment and are in the process of issuing me a new card. 
This morning I contacted Suncoast but could not obtain any info due to my refusal to give them my SSN. I contacted the Attorney General Office in Florida this morning, they have no complaints about Suncoast and directed me to contact your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Hi, I contacted PayPal earlier today ( XXXX XXXX ) & talked to PayPal assistant about my PayPal account closure I recieved email around XXXX & was surprised about this as i use this PayPal account to sell handmade stone ornaments on XXXX & recently added XXXX payments to my PayPal account ( in the last 2-3 weeks ) in which i use XXXX to sell trainers & sell i have According to advisor, she has noted this & stated appeal has been made about the closure of account & PayPal should be in touch in at least 48-72 hours. I'm not sure what problem i had to recieve account closure email- i have few orders which needs to be dispatched & have done for a while- no problems whatsoever- all my items are recieved by the buyer I had failed bank payment on the XXXX XXXX which i recieved a email from PayPal during the weekend & noted as i cancelled the order ( from XXXX via PayPal which the bank took ). I contacted XXXX to cancel the XXXX  fee which they did so they refunded me the XXXX  fee & I refunded the buyer their money back- the XXXX  fee was taken from my PayPal account & charged to my bank however i cancelled it hence why it's stated as 'failed payment ' but was a refund via PayPal to my buyer ( i think that's the problem but entirely sure as i wasn't given reason why ' Hopefully the appeal is successful, i just wanted to provide abit more detail on the issue so its clears up some things for you- really did the funds so i can pay my utility bills & have food so would be devasting if i have to wait 180 days till its cleared Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX  XXXX XXXX account XXXX XXXX has violated my rights reporting inaccurate information on my credit report. 

According to 15 USC 1681 section 602, which not only states I have the right to privacy, but also I have the right to accuracy and fairness of credit reporting.

According to 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05
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: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/2020 XXXX XXXX said they would request their information be removed, CFPB ID XXXX. 

I called and talked with Equifax XX/XX/XXXX or XXXX, 2020 the Representative stated that it was removed and would send me a credit report stating this, it would take up to 15 days. 

I ran my annual free credit report XX/XX/2020 and see that XXXX XXXX is still listed. 

Also I filed a dispute with Equifax about this matter the first of XXXX and on XX/XX/2020 and they said this collection was valid but on XX/XX/2020 XXXX told CFPB and me they would have these removed seems to be a conflict in statements to federal agencies a U.S Citizens. This seems to be in violation of the FCRA. and has caused me harm. 

I have not lived at the address in question for over 5 years, Equifax knows this via there knowledge of my address, they use my past and current address for verification steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. These companies are blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing the organization to report any accounts on my consumer report therefore, the reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO THESE COMPANIES TO OBTAIN MY PERSONAL INFORMATION. Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX BELOW IS A LIST OF INACCURATE ADDRESSES ON MY CREDIT REPORT THAT MUST BE REMOVED ALSO DUE TO IDENTITY THEFT!!!!!! 

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER

Company response to consumer: Closed with explanation