BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

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

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: MN
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 am requesting the following inquiries be removed from my credit file. Myself and XXXX XXXX have obtained approval from the creditors to remove the inquiries listed below. If you do not do so please provide valid information proof that these inquiries showed remain after full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Allstate Credit Bureau false impersonated my identity to XXXX Credit Bureau. There company falsely obtained my credit information by misrepresentation of themselves. They stated to the credit bureau I tried to obtain credit from there company which resulted in a hard inquiry being place in my credit report. 

I never tried to obtain credit from Allstate Credit Bureau nor did I give them authorization to run my credit. 

The debt they are claiming I owe is a result of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Paypal Holdings, Inc
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a payment through a verified checking account. The payment posted. 5 days later, I received an email stating that the payment had been returned code XXXX account or wrong name on account. I asked the bank to verify the name and account number that they submitted in which I received no reply. Returns can not be issued to a closed account as closed accounts are not open for credits or deposits. I called the company to inquire as to why the payment was returned. I spoke with a XXXX and asked for a full transaction audit history, not an account summary. I received no reply in 30 day. I then wrote the company a letter asking to validate the debt through a full transaction audit and emailed to the companies provided email address. I received an automated reply that the address was not monitored. I emailed the letter to a different company email. I received an automated reply stating that if I needed further assistance to contact customer service to assist further. I emailed the letter for a XXXX time.I am seeking validation of debt through a full transaction audit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Experian Information Solutions Inc.
State: UT
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:
Experian a major credit bureau had illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act Experian violated all privacy rights due to their false and misleading ways. According to the fair debt collections practices act, Experian has mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others. 
Fair Credit Reporting Act False and Misleading Practices Truth and Lending

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 2022-08-05
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/22 I sent {$200.00} to my daughter cash app in it turn up that the account was hacked so I called in reported it to cash app, to only be told they can do anything about it. I understand I sent the money to the wrong account but the account has a picture of my child face on it. In they also lied about closing the account so the account remained open in active which allows anyone to think they sending her money but its somebody playing to be her. I just wanted my money back the told me its not they fault I made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: SC
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:
Someone has an access on my personal information. I have no knowledge of what and who this could be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 inaccurate information reporting on my account. I have been a victim of identity theft multiple times. Most recently a fraudulent credit repair service used my information to gain credit and created inquires. I have been disputing these inquiries to no avail with 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 non-monetary relief
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have been recently on a credit building journey, I have been building my credit profile up for about 1 year now and I try my best to monitor my reports best I can, upon reviewing my report which I try and do monthly to my surprise I noticed my credit score dropped a lot of points I clicked on what the factor was for the drop in points and thats when I came across the FRAUDULENT account in question. It says it from XXXX of XXXX and that the collections was opened up in XXXX of XXXX, XX/XX/XXXX is when I noticed it on my account and was in my credit report by that time. this charge and collection is FRAUD I did Not commit these acts I am a Victim and a TARGET OF IDENTITY THEFT Ive contacted the credit bureaus and Ive tried to contact the company which holds the debt and they talked to me like I was incompetent and said those was nothing that can be done and they tried to get me to pay for Account that was FRAUD, Ive requested that the company XXXX XXXX XXXX send me a FRAUD PACKET IN THE MAIL the company said there was nothing they can do, Im hoping I can have someone on my side to fight this fight with me for these FRAUDULENT CHARGES ON MY CREDIT REPORT. I am currently trying to purchase a house and I dont think its fair that THIS FRAUDULENT ACTIVITY is holding me back after Ive worked so hard to build my credit profile. 

The original creditor as reported on my Credit report is XXXX XXXX Illinois 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 2017-12-26
Company: Experian Information Solutions Inc.
State: TX
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 have sent certified letters to the company repeatedly and XXXX XXXX XXXX refused to investigate my request listed below. I have already filed a complaint with the Texas Office of the Attorney General. 

Listed below is the request I send to the company again with proof and I received a response letter stating, we will not reinvestigate this request again. Plus, this letter was signed by XXXX XXXX XXXX. 

THIS LETTER IS IN RESPONSE TO INACCURATE INQUIRES AND MY PERSONAL INFORMATION LISTED ON REPORT. ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426- CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 

PLEASE NOTE, THIS IS MY FINAL COMMUNICATION IN REGARDS TO these INACCRATE ENTRIES BEING REPORTED. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2017-10-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my Equifax report that were not authorized, I believe they are related to the Equifax breech. Equifax refuses to help me or remove these inquires. I have spoken with the companies and they have no record of me having ever done business with them and some claim to have reached out to Equifax to have removed and they have failed to do so. The inquires are as follows. 
- XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX XXXX I have never done business with any of the above creditors and until they showed up on my report I had never even heard of them and Equifax refuses to help me with this matter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: NC
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:
There are accounts under my name that is a reporting inaccurately as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them Please see attached documents for these accounts i am complaining.

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 2021-11-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2022-03-21
Company: EQUIFAX, 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:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX/XXXX/XXXX, I charged my HSBC credit card {$20000.00} to pay XXXX XXXX XXXX XXXX XXXX XXXX for tuition on behalf of my son. On XXXX/XXXX/XXXX, I paid back the entire {$20000.00} to HSBC to avoid interest charges. On XXXX/XXXX/XXXX, XXXX refunded {$19000.00} ( tuition refund ) to me through my HSBC credit card. On XXXX/XXXX/XXXX, knowing that my credit card account had money, I used the mobile app to transfer {$19000.00} between accounts, from my credit card account to my savings bank account. On XXXX/XXXX/XXXX, I found out my credit card was charged {$590.00} ( see attached statement ). I called HSBC and the agent told me its for a cash advance fee on {$19000.00}, the tuition refund that I received. So, I paid a cash advance fee on my own money. I was told that any time I transfer from a credit card account on my own, I would be charged a cash advance fee regardless of whether I have money in the account or not ( i.e. refund/overpayment ). I told him I was unaware of this, and it is unfair and makes no sense that I have to pay a cash advance fee on my own money, HSBC didnt pay me any cash at all. The agent was very nice ; he helped me to submit a request to waive the cash advance fee as a one-time courtesy. The request needed manager approval, but he was unable to get the approval because the manager was unavailable. He said I should receive a call around Monday, XXXX for the outcome. By XXXX, I had not received a call, so I contacted HSBC again. This time, the agent retrieved my request, and tried to get manager approval for me, but then she informed that there was a manager meeting in progress and I should receive feedback within 2 days. After two days on XXXX, I called again, another agent tried to get the managers approval for me, but yet again, the manager was unavailable. The agent told me I would receive a call once its done. I am frustrated ; it seems like the XXXX is avoiding me. I made all calls during the regular business hours and as of today, I have not received a single call from HSBC. It is also worth noting that the HSBCs mobile app and website allow people to transfer easily from credit card account to savings/checking bank account, but there is no warning that a cash advance fee will be charged even if you have money in your account ( see attached Transfer between Account ). Other banks ' websites dont have the option to transfer money from credit card account to bank account. For instance, Chases website doesnt allow any transfers from a credit card account to savings or checking account ; you can only transfer from savings/checking account to credit card account. I have tried to resolve this issue with HSBC, but was not successful. I hope Consumer Financial Protection Bureau can help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: BARCLAYS BANK DELAWARE
State: CA
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:
At the start of the pandemic in 2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered the option to defer payments They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work and paid my debt in full.

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