BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD, XXXX RE : inquiry removal While, checking my most recent credit report, I came across some unauthorized and fraudulent inquiries made by the following companies : Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. This is a violation of of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with these companies and provide me with the copies of any documentation associating these my accounts, bearing my signature authorizing an inquiry.

I also demand you to produce a contract between you and I, consumer bearing my signature showing that I gave you any permission to furnish any information on my behalf.

In the absence of any such documentation, bearing my signature, I formally requested that these fraudulent inquiries be removed immediately from the credit file you maintain under my social security number.

Please note that you have 30 days to produce the requested contracted and to complete this investigation, as per the Fair Credit reporting Act Section 611. 

XXXX XXXX XXXX XXXX XXXX XXXX Best regards,

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 2023-12-18
Company: Goal Structured Solutions, LLC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I originally took out a loan from XXXX XXXX XXXX for XXXX in XXXX, the loan has since been serviced and moved to different lenders. It is now owned by LAUNCH who claims I owe XXXX on 4 different accounts. I wrote to them in XXXX asking for validation of this debt -- a full payment history through different lenders and promissory notes showing what I agreed to borrow and our agreed upon interest rate. They provided me one brief statement from XXXX  ( one of the servicers ) and the original " promissory note '' from XXXX XXXX XXXX for {$5000.00} - no interest rate is noted. I have been making payments on this debt to keep in off my credit report, but I have paid over XXXX just since XXXX and the balance isn't going down. It doesn't add up, and LAUNCH will not send evidence of how much was originally borrowed, the interest rate, or full record of my payments. In our documented communication, they said I can contact XXXX XXXX XXXX  to see if they have more records or I can call and talk to someone at LAUNCH. I don't need to have a conversation ; I would like to see the promissory notes and proof that I owe this debt. I stopped making payments and sent a cease & desist letter to LAUNCH on XX/XX/XXXX and they have now reported me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a XXXX XXXX from Square with my name on it, correct address, etc. 

I do not, and never have had, a Square account. When I called to ask them why I got this they cancelled and were very cordial, but I have no idea why this would've been sent to me, and don't see any glaring signs of fraud / identity theft with other accounts. Looking online it was recommended I file a note with the CFPB to review- it appears I'm not the only person this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
EdFinancial sent me a letter with my new monthly payment after consolidating my loans under the new income driven repayment I signed up for at StudentAid.gov. They have not updated their monthly payment on their portal, and despite me making my agreed upon monthly payments per the letter, their portal is saying I am behind on my loans and to contact them. I have emailed them 3 times, called countless times, and yet I am unable to reach someone to fix this issue.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, PR XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX OF XXXX 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
See attached Doc Despite my previous written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. Why is this errouneous reporting showing a balance owed if the account was charged off? INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 



I am writing to request the immediate deletion of this information provided to you by XXXX XXXX that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with civil/federal court proceedings such as Dixon-Rollins v. Experian Information Solutions

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 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I paid for a room at the XXXX XXXX XXXX XXXX, NC, XXXX through XXXX. I have attached the first CFPB complaint which was closed with nothing being done as of this date. CFPB Complaint # XXXX was also closed with nothing being done as of this date. The reason XXXX ( XXXX ) separate complaints were filed was this writer failed to include Bank of America in the first complaint so I filed a separate complaint. Both complaints were closed with no outcome and I have not received a refund from either, Bank of America, XXXX XXXX, or 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 2023-05-09
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: Credit inquiries on your report that you don't recognize

Complaint:
There is information from XXXX XXXX  ( XX/XX/2023 ) on my credit report that I am not responsible for. This was something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681b Permissible Purpose of Consumer reports, I never gave this institution written consent to pull my credit report. 15 usc section 1681 s-2 Block of information resulting from identity theft. I asked Trans Union to remove this information from XXXX XXXX  immediately. 

*I have attached a copy of my ID *Social security card *Identity Theft Report ( 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 2023-01-04
Company: EQUIFAX, 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXXXXXX XXXX Date of Inquiry : XX/XX/ 2Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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:
Dispute of Unrecognized and Unauthorized Inquiries that i see on my credit report. This inquiries details are outlined below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-01-05
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 21 unauthorized inquiries on my credit report, I've called Transunion several times about these inquiries that do not belong on my credit report, one of the representatives told me that they would get the inquiries removed from my credit report when I checked my credit report again, I seen that the inquires were not deleted and the next rep that I spoke to told me that now I needed to mail in documentation in order to get them deleted but that is not what I was told the first time. Due to these unauthorized inquires that are on my credit report I have been so stressed out and losing sleep due to the fact that I can not get them deleted and due the fact that these UNAUTHORIZED INQUIRIES HAVE MESSED UP MY ABILITY TO OBTAIN CREDIT, WHICH IS ONE OF MY RIGHTS AS A US CITIZEN. According to the FCRA the three credit bureaus have to CORRECT False information and in this case they have not done so... 

Violations of the Fair Credit Reporting Act ( Failure to correct false information. ) I will list all the credit inquires here and I would like them deleted immediately due to the fact they don't belong on my credit report XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Installment Loans XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion

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 2023-03-23
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Coradius International sent me a letter for a XXXX debt of {$200.00}. I dont have a XXXX account and do not owe this debt. The phone numbers on the letter and on the companys website differ which seems fraudulent. 
I have been unable to reach someone to resolve this and this seems to be some sort of mail scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XX/XX/XXXX I was notified my Info was breached in The XXXX XXXX Breach, I filed an FTC AFFIDAVIT and notified the credit bureaus. 

TRANSUNION has continually viloated my rights as a consumer without protecting my rights and to report accurate and verifiable info. 
Transunion has not given me a chance to acquire free credit reports from their online website and I am unable to dispute erroneous info on my report. 

Under 15 USC 1681 everything must be accurate and correct. 
I have never had this account and this account was fraudulantly inputed on to my credit report. I want this removed. 

This account was fraudualntly opened in XXXX and now has illegally been reaged, this is fraud and blatant violation. 

XX/XX/XXXX ( XXXX mos ) {$0.00} Remove this account or I will pursue legal action.

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 2023-05-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Wells Fargo numerous times to get a credit card i never applied for removed. I went into a bank branch at XXXX XXXX XXXX XXXX to replace a damaged debit card and was told that due to our commercial account being in good standing we were pre approved for a XXXX line of business credit. They had me fill out a form and came back and told me i was denied. I thought pre approved meant no credit check. The bank teller named XXXX ( who is no longer employed by Wells Fargo ) informed me that i was approved for a XXXX credit card instead. I turned down the credit card flat and she informed me that the account was already opened. This is i believe a bait and switch. Anyway i refused the card. They apparently mailed out a card to someone and claimed that it was used by me. I do not have their card nor have i ever accepted the card. They opened it without my permission, admittedly closed it to a XXXX balance and opened a second card and issued it to XXXX knows where and whom. I filed a complaint under the class action XXXX vs XXXX for which a settlement check was sent to me for 900 something dollars. Wells Fargo refuses to abide by the settlement and continues to dispute my dispute with the credit agencies that i do not owe them anything. Instead they have me listed as owing them over XXXX XXXX dollars. Please help as this has been ruining my credit for the last 5 to 7 years.

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 2022-12-11
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  - Opened XXXX XXXX XXXX XXXX XXXX -Opened XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX  - Opened XXXX 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation