BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: Experian Information Solutions 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:
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Factual Data XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 8 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX 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 explanation
Consumer complaint received 2023-03-23
Company: Fradkin & Weber PA
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against a debt collector who refuses to validate this debt that they are claiming I owe. This debt is more than ten years old. It has been filed in a state which I am not a resident. Currently they are garnishing my pay and making it impossible to pay my bills. I have called the original creditor several times and they themselves have stated I have never had an account with them. I dont know what else to do to stop them from taking money I do not owe. They have filed a motion to garnish over {$1700.00} on a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: PA
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 previously called as well as disputed information that doesn't belong to me I made a report with FTC asking what I can do before filing a law suit this was my next step I provided my identification card as proof of these products not belonging to me and nothing was done. I wasn't notified by mail I asked to be notified by mail pending outcome of the investigation and nothing was provided when I call a man I talked to was very rude and aggressive with me and now I'm filing a complaint because nobody should be treated this way when I'm just looking for help I understand they get paid off more accounts I have on my account but by law if it don't belong to me it have to be removed. Thanks you

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 2023-03-23
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: Personal information incorrect

Complaint:
I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX This need to be removed I have reported to remove from XXXX report. I gave wrong address before

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: EQUIFAX, INC.
State: NV
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'm a victim of identity theft, pursuant of section 605B. You must remove the fraudulent inquiries : XXXX XX/XX/2022, XXXX XX/XX/2022, and XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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 appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : 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 non-monetary relief
Consumer complaint received 2022-09-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the reporting of the following inquiries on my credit report has violated my rights : XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Maximus Education, LLC dba Aidvantage
State: IL
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, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states i have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666 ( b ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX. I'm summiting this complaint because I've been targeted for Identity theft. My Non public personal information has be compromised through data furnishing and sharing of my personal information. This information was shared without my written consent. According to the Gramm Leach Bliley act my personal information should be safeguarded with the financial institution I'm doing business with, and not to be shared with any other third party financial institution. In regard to not receiving full discloser and having my consumer rights completely violated. I would like this matter resolved as soon as possible in accordance with 15 U.S. Code 1681C-2. I demand these accounts be removed from my credit report with in XXXX business daysXXXX 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 non-monetary relief
Consumer complaint received 2022-12-17
Company: Rent Recovery Solutions
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Rent Recovery Soluti has violated my rights.

15 USC 1681 section 602 states I have a right to privacy.

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

17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Personal information incorrect

Complaint:
TO WHOM IT MAY CONCERN, I NOTICE THAT THERE WAS INCORRECT INFORMATION ON MY CONSUMER REPORT PERSONAL INFORMATION. I HAVE ATTACHED A LETTER FOR THE THIS TO BE RESOLVED IMMEDIATELY WITHIN A CALENDAR DAY. INCORRECT DATE OF BIRTH, ADDRESSES, PHONE NUMBERS. 

THE CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL : XXXX DOB : 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 2023-10-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I placed 10 calls to the mortgage company in the months of XXXX, XXXX, XXXX, and XXXX of XXXX. The mortgage company placed a forced placed policy upon our property for the period of XX/XX/XXXX to XX/XX/XXXX without notifying us. They didn't notify us they were going to do this until the policy period had ended. The policy was back dated and written on XX/XX/XXXX. I checked with my insurance company to get a policy for the period and no one is permitted to back date a policy. I believe this to be a predatory practice to collect a premium that is 4 times the rate of my homeowners policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Merchant charged my credit card and was not able to provide committed services. I filed a dispute in XXXX, XXXX. First it was very difficult to make it understand to Bank of America. Merchant did some partial refund in XX/XX/XXXX. I called Bank of America again asking for remainder. In XX/XX/XXXX I was over refunded. I paid back over refund charges to as the charge was posted on my account. Now in XXXX statement I got two of the same charges posted on my account again. Each charge is {$1600.00}. Bank of America said that since I got the refund from Merchant, so they are taking back what they credited. First, I never got full refund from Merchant. Second, Bank of America is taking back more than they credited. It is more like a white-collar crime. I have a habit of going through each charge on my bank statement. But, what about people who trust these Banks and pay statement balance without looking at charges.

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: EQUIFAX, INC.
State: MO
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 do not have any XXXX XXXX credit. The card I carry is the business 's card. I am only an employee there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.SC. 1681 Section 604 A Section 2 : it also site also states a consumer 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 explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 CHECKED MY XXXX INFORMATION REQUEST WITH THE SECRETARY OF STATE AND I HAVE NO LIENS PLACED AGAINST MY NAME. I SENT MY IDENTITY THEFT REPORT, PROOF OF IDENTITY, FTC NOTICE TO FURNISHER, AND COPY OF ACCOUNT STATEMENT SHOWING THE FRAUDLUENT ITEMS.NONE OF THE ACCOUNT LISTED BELONGS TO ME.TRANSUNION REPLIED THAT ( LETTER ATTACHED ) " IN ACCORDANCE WITH SECTION 605B AND FCRA THEY HAVE DETERMINED THAT MY REQUEST HAS EITHER A. ) BEEN MADE IN EROR B. ) A MISREPRESENTATION OF MATERIAL FACT RELEVANT TO THE REQUEST TO BLOCK AND OR C. ) I HAVE OBTAINED POSSESSION OF GOODS, SERVICES MONEY AS A RESULT OF THE ISSUE. '' I HAVE ATTACHED A REPORT RECEIVED FROM TRANSUNION WITH VARIATIONS OF NAME LISTED ON MY REPORT AND WOULD LIKE TO KNOW WHICH NAME DID THEY VERIFY THE INFORMATION ON. I ONLY HAVE ONE LEGAL NAME AND PROOF OF IDENTITY WAS ATTACHED WITH MY LETTERS. I ALSO WOULD LIKE TRANSUNION TO SHOW THE CFPB HOW DID THEY VERIFY THESE ACCOUNTS WHICH DETERMINED THEY CAN NOT PROCESS MY REQUEST. I HAVE ALSO SENT THEM A VALIDATION LETTER BY MAIL AGAIN AND TRANSUNION NEEDS TO REPLY AND SHOW THE CFPB WHY THEY DENIED MY REQUEST AND ALSO REPLY SEPARATELY BY MAIL.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
trans union wants me to fill out my life 's information OK i am XXXX years old i have had credit for years weather bad or good from XXXX i had bankruptcy in XXXX then i went in to the debit relief program for 2 years so they want me to prove who i am lol for 10 years of my bankruptcy the know who i am and why should i pay the for a credit score i need a lawyer this is crazy XXXX  i have no problem also XXXX had that breach and sent me a check for damages a few months

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 2023-04-18
Company: EQUIFAX, 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:
XXXX XXXX open date XX/XX/2019 would not submit certificate of peer ship of debt with live signature proving ownership of debt XXXX XXXX XXXX XX/XX/2019 improper dates and balances are on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have a lot of inquiries on my credit report that were not authourized 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 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: SC
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:
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat XXXX payment on a credit card account under an open end consumer credit plan as late fur purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This started several months ago. I have a numerous issues. I have a checking account as well with Capital One that has been a issue. I have experienced my payments not being process and companies ( i.e XXXX  ) that my account was closed. I sent XXXX a screenshot that my account was in fact NOT closed. They refused to resubmit the payment. Thus making my payment late and since I wasnt aware of the issue they cut off my cell service. Then, I am not allowed to transfer funds out to any other bank other then TD bank, even though my XXXX account was linked and verified through their app accordingly. I have 4 credit cards with the company and 3 have issues due to the COMPANY failing to apply payments ( i.e auto pay ) therefore charging pass due fees and extra interest. One of the cards was to be replaced due to fraudulent activity. Never received. I have copied this and sending to proper authorities as well as my respective Congressman. I believe that this is a targeted attack due to my Career, I investigate XXXXXXXX XXXX XXXX. I have turned in A LOT of people for Criminal Indictment. I also believe that is bank is targeting me due to my various donations to certain charities and political campaigns. I will be referring this and my documentation of conversation with XXXX and screenshots of Auto-Pay scheduled that were not taken from the checking account I have with this company and posting to satisfy my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: WELLS FARGO & COMPANY
State: LA
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:
Wells Fargo auto has violated my rights 15 USC 1681 sections 602 state I have the right to privacy.

15 USC 1681 sections 604 A section 2 : it Als states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit Card account under an open end consumer credit plan as late for And propose.

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