BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The following inquiries were not authorized by me. I have never given my permission for any company to inquire about my credit status. Any inquiries made are unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act must be removed. 

-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 2022-06-23
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Equifax Disputes : XX/XX/2022 Case Number : XXXX Case number created by XXXX and his Supervisor ID XXXX / XXXX Spoke with several managers and supervisors they are still seeing issues on my login and under E-Verify USCIS I'm unable to verify myself online due to Equifax. I already spoke with E-Verify USCIS informed them about it. 

I tried sending several emails and starting from XX/XX/XXXX up to present date but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Starting from XX/XX/2022, transactions were made without my consent and authorization on my Bank of America checking account. These transactions occurred through XXXX, XXXX, and Bank Transfer. I filed a fraud claim to Bank of America on XX/XX/2022, once I was made aware of the transactions. The following will be a list of transactions made without my authorization as well as some deposits : - Date : XX/XX/2022, Withdrawal : {$120.00} Transaction Type : XXXX Transferred to : XXXX, XXXX. 
XXXX Transfer Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$290.00} Transaction Type : XXXX Transferred to : XXXX XXXX Transfer Confirmation Number : XXXX Additional Information : Says " XXXX '', It should also be noted that I do not have an XXXX account - Date : XX/XX/2022 Deposit : {$990.00} Transaction Type : Online Banking Transfer Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$990.00} Transaction Type : XXXX XXXX XXXX Transferred to : Unknown Confirmation number : includes the numbers XXXX and ends in XXXX - Date : XX/XX/2022 Deposit : {$650.00} Transaction Type : Online Banking Transaction Confirmation Number : XXXX - Date : XX/XX/2022 Amount Taken : {$600.00} Transaction Type : XXXX XXXXXXXX XXXX  Transferred to : Unknown Confirmation number : includes the numbers XXXX and end in XXXX - Date : XX/XX/2022 Deposit : {$1500.00} Transaction Type : Online Banking Transfer Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$800.00} Transaction Type : XXXX Transferred XXXX : XXXX XXXX Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$690.00} Transaction Type : XXXX Transferred XXXX : XXXX XXXX Confirmation Number : XXXX I called the Bank of America Fraud department and filed a claim. The claim number is XXXX. The fraud department claimed they would take up to 10 days or more to decide the status of the claim. Unfortunately, they denied my fraud claim. They have not provided me with documentation as to why they denied my claim. I will be filing a police report against the fraud in the next coming days and will attempt to appeal through the bank as well. 

A second claim was put in to address unauthorized transactions done on XXXX, I was given a claim number ( XXXX XXXX ) but am not able to access any record on the banking website nor have received any communication about the claim since it was made ( On 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 monetary relief
Consumer complaint received 2022-06-23
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paramount recovery systems is in violation of 15 usc 1692 et seq after violating my consumer rights and posting debt to my expieran report without first notifying me. I found out by XXXX XXXX XXXX XXXX XXXX that on Thursday XX/XX/XXXX two accounts were posted on my experience report further damaging and injuring my consumer character. The accounts was flagged on XX/XX/XXXX but not reported until the XXXX without acknowledgment from me the consumer. I can attest I have never heard from this company nor ever known about this company. I have never had a contract nor made a transaction or received any goods or services from this company. This debt has not been validated and I do not know why PARAMOUNT RECOVERY SERVICES is attempting to use my information to extort me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: OK
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 XXXX  Account : XXXX Balance on XX/XX/XXXX {$1800.00} Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting acengy 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 2022-06-23
Company: ALLY FINANCIAL INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I filled out a dispute with Ally Bank for {$280.00}, since I hadn't spent the money. I submitted proof from the merchant that my account was not responsible for the transactions, but they found against me in the dispute anyway. I asked to see their proof that I was responsible for the spending, since cursory XXXX  has told me that someone pretending to be XXXX and pulling cash out of your account is not an uncommon scam. On XX/XX/XXXX I requested a copy of their " proof '', and still have not received it.

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 2022-09-19
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: Reporting company used your report improperly

Complaint:
The following inquiries were not authorized by me. I have never given my permission for any company to inquire about my credit status. Any inquiries made are unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act must be removed. 

-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 2022-06-06
Company: EQUIFAX, INC.
State: MS
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 XXXX Account : XXXX. XXXX XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: TX
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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC

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 2022-11-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: SYNCHRONY FINANCIAL
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 see on my credit reports that Syncb/Walmart is reporting the account open and a late payment after speaking with the office of the president I tried to contact synchrony bank and keep getting hung up on I've tried reaching back out to the agent who works in the office of the president department and have not been contacted 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 2021-08-03
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive contacted this company on several occasions this is not my account i also asked them can they validate the debt they have not this is not my account

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 2022-06-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX # XXXX, Dept of education/XXXX  # XXXX, XXXX XXXX university # XXXX, Us Dist ct # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Child Support # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has 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 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 2022-06-23
Company: Block, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Some Law Firm in NY claims to have a debt that I did not pay and a UCC lien on my Cash App they have blocked.

I have gone to the North Carolina Secretary of State site to check the business info that I had. My business was dissolved during the Pandemic and it closed. There is not such law firm that I ever did business with.

Below is the strange communication that I recieved in an email from Cash App. They are holding my money hostage for a debt that I do not owe and they will not send me any proof of the debt.

Hi Dr , We are writing to inform you that your Cash App account has been put on hold due to a UCC lien notice.

What does this mean for my Cash App account?

A creditor is enforcing a lien filed against your businesss receivables, which identifies you as a secured party. This lienholder is seeking repayment for a debt. They have taken action by sending notice of the lien to us, either directly or through a law firm or debt collection agency.

What happens next? 
Were obligated by law to place a hold on your Cash App account. This means that you wont be able to transfer any funds from your balance. All funds will be held in your Cash App balance until we receive one of the following : 1. A release agreement from the lienholder directing us to lift the hold on the account.

2. A court order or other documentation that authorizes us to release the hold on the account.

What do I do to resolve this?

UCC liens must be resolved between you and the lienholder. You may be able to work out a solution by contacting them directly. If you reach an agreement, the lienholder will need to send a copy of the release agreement directed to us instructing us to lift the hold on the account.

Heres the contact information we were given about the lienholder : Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, New York XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Sincerely, XXXXXXXX XXXX XXXX Please note that on XX/XX/2021, Square , Inc. changed its name to Block , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: OPORTUN FINANCIAL CORPORATION
State: SC
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:
Good morning. I am extremely frustrated with my experience thus far as I have attempted to work with your company and utilize your hardship program. I initially contacted Oportun on XX/XX/2022 to discuss the fact that, due to a COVID related job closure, my income had decreased nearly 70 % and I was experiencing financial difficulties. One of your CSRs informed me that Oportun had a skip payment hardship program that I could enroll in that would allow me to skip payments on a monthly basis. I was told that I would still be charged interest, but that I would not have any late fees and that my account would not be reported as delinquent. I was also informed that I would still only be charged the {$25.00} or 5 % payment ( whichever was higher ) minimum payment once I was able to resume making payments. If I needed to continue utilizing the program, I was told to call back at least ten days before my payment was due in order to remain enrolled for subsequent months. 

I called back on XX/XX/2022 to enroll again and was informed that I could continue in the program. When I received my billing statement that month, I noticed that a late fee was charged and that I was being billed a past due amount. I called and spoke to another CSR who was unable to help explain what was happening and that I would have to call back later. Despite multiple attempts to get some more information and a resolution, I was unable to speak to anyone that was able to help me. I ended up filing a complaint with the XXXX XXXX XXXX as well as the Consumer Financial Protection Bureau in order to achieve some sort of resolution. 

I received responses from both of these complaints indicating that what I had initially been told was correct and that the late fee had been refunded. It was also reiterated that my minimum payment would only be 5 % of the balance when my payments resumed. Both of the responses indicated that I could continue to remain enrolled in the skip payments program as long as I called in monthly and spoke to a representative at least ten days before my due date. 

On XX/XX/2022, I called and requested an additional month of enrollment in the program. A CSR enrolled me in the program, read me the terms and conditions and informed me that I would need to call back in the next month to continue enrollment. When I received my statement this month, I again see that I have been charged a late fee and I still see that I am being charged past due amounts. My minimum payment is nearly three times what the 5 % payment should be. I have also been notified that Oportun has reported my account as 30 days delinquent on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : also states that 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 non-monetary relief
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: OK
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 XXXX  Account number XXXX XXXX XXXX Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the 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 non-monetary relief
Consumer complaint received 2022-06-24
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original Creditor Name XXXX XXXXXXXX XXXX Date Assigned XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments AFFECTED BY NATURAL DISASTER i have been in contact with the people who have this debt thats somehow owed to me the company as stated isnt on this earth they got bought out by another company that has my name but no money is owed to them as stated in the comments of the debt i was a victim of natural disaters at the time i was quoted that i could leave with no repercussions of leaving just for them to be able to put this on my account i have been trying to get rid of this cause its not supposed to be there to begin with but the company refuses to work with me and decdies to dispute it but havent contacted me to give me any information as well i disputed this with XXXX and them too has came back and told me i would need to pay which shouldnt be the case

Company response to consumer: Closed with explanation