BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian is in violation of the FCRA ( 15 U.S.C.1681a ( 2 ) b Exclusions- That the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
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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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX and XXXX has an incorrect address and name tied to my ssn that Im not familiar with and its been hindering my credit for years.Everytime a financial institution runs my credit, its always there and I just want it gone.Thanks and XXXX bless!

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 2022-12-28
Company: Experian Information Solutions Inc.
State: TN
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 fourth 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. 
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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 2023-01-14
Company: Marlette Funding, LLC
State: VA
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:
On XXXX XXXX, 2023 I received a message from XXXX XXXX informing me that a change in my credit information has occurred as a result of a hard credit inquiry. On XXXX XXXX, 2023 I requested a credit report from XXXX, XXXX and, XXXX. On each of the reports I identified an erroneous name ( XXXX XXXX XXXX has been added to my record as well as, XXXX telephone numbers ( XXXX and XXXX ) and, an erroneous last XXXX digits ( XXXX ) of a social security number. Additionally, I noticed a hard inquiry dated XX/XX/2023, from XXXX, XXXX XXXX XXXX XXXX, IN XXXX, tel. XXXX, appears on all three of my credit reports. Also, there are XXXX soft inquiries from : - XX/XX/2023 - BEST EGG, XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, XXXX. 
- XXXX XXXX, 2023 - XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX. 
- XX/XX/ 2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX. XXXX. 
I contacted the credit bureaus to request my records be corrected. XXXX proceeded to add an alert to have businesses requesting inquiries to contact me to confirm my request for credit. The credit bureaus are requesting I report the incidents to the FTC and/or law enforcement authorities in order for them to maintain the alert in my records and correct the erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Accelerated Creditors Services, Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have communicated with this company about this debt. They are in violation of XXXX laws reporting this debt on my credit report without providing adequate fully complete information to substantiate the debt i do not owe nor benefit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-12-28
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: Their investigation did not fix an error on your report

Complaint:
Experian is violating the law by not removing two fraudulent inquiries they are reporting in my credit files. 

Here is a copy of the previous complaint! 

Remove these two inquiries off of my credit file! 

XXXX. XXXX XXXX XXXX XXXX Experian has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even afte is r several days of reporting this complaint to Experian. 

This is my third complaint and Experian has failed to remove unlawful identity theft inquiries off of my credit file!

Experian has record that I have provided an identity theft report and police report outlining these two specific fraud inquiry issues and you will see required documentation to order these unknown and non consensual inquiries in the following two false inquiries. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX stands for XXXX XXXX XXXX according to the Attorney Generals Office and could be precariously posted as XXXX as reported in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove these two inquiries, thank 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 explanation
Consumer complaint received 2022-12-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been referred to a collections agency for services rendered by a XXXX  in 2020. At the time, I was unemployed as a result of the COVID-19 shutdowns and therefore eligible for and covered by XXXX. The XXXX  was aware of my insurance coverage and indicated that they would bill XXXX for the rendered services. Unfortunately, it appears that they did not bill XXXX for over a year after my visit, so their claim was denied. I was informed by XXXX that I am not responsible for the charges associated with this visit, but the XXXX XXXX referred me to a collections agency nonetheless. I have previously written them several letters explaining the error on their part, but they have been unresponsive. I ask for assistance regarding this matter. I am deeply concerned that my credit will be negatively impacted by this referral to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-28
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I was informed by email that my account with Apple Card/ Goldman Sachs was closed. No further explanation was provided. The letter stated that I can request documentation as to the specific reason my account was closed to reach out to Apple/Goldman Sachs which I did. I received a letter dated XX/XX/2022 stating my account was closed for " Regulatory Reasons. '' I want an explanation as to what " regulatory reason '' was used to close my account. 

I used my account no more than XXXX times and for simple purchases such as hair cuts and at XXXX. 

No action by myself should have resulted in my account being closed. I want an explanation for their reasoning. Their actions have had a negative impact on my financial and credit aspects of my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681 Bank Of AmericaXXXX {$500.00} ( Account # XXXX XXXX XXXXXXXX XXXX XX/XX/21 {$2000.00} ( Account # XXXX XXXX XXXX  XX/XX/21 {$2000.00} ( Account # ending in # XXXX XXXXXXXX XXXX 15 U.S.C . 1681 sec 602a 15 U.S.C. 1681 sec604a Section2 15 U.S.C. 1681c ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( a ) ( 1 )

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion is not deleting a public record showing ony report as XXXX. The Bk court does not have any varifiation as being mine nor they respond to any third parties verification companies. Transunion keeps on saying that the court verified it accurate but that is not true after speakig with the BK court. Transunion keeps on ignoring my request to clear it as the other bureaus have already done.I mail transunion a report from XXXX and a letter from the FTC but yet transunion refuses to validate them.

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 2023-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CORPORATION CAPITAL ONE was sent a copy of the Consumers status change and then they closed the account without notice, which made the Consumers credit score plummeted XXXX points on the XXXX, XXXX and XXXX. When I called to inquire about the account being closed there was not one valid answer from CAPITAL ONES Agent they said the agreement didn't satisfy their way of doing business per XXXX who is the last associate I talked with.Cheyenne said that Agent with the ID of XXXX closed the account on XXXX XXXX XXXX. I have had 2 of my family members call and get a CAPITAL ONE, account and it hasn't been a problem until I sent the proof that the Consumer, XXXX XXXX, has changed her political status and I need full disclosure of the Account. According to 15USC 1681 602A, States I Have the Right to Privacy and I didn't give CAPITAL ONE nor any of the Credit Reporting Agencies the Right to put my Private information in the Public which is 15USC 1861 604A ( 2 ) In accordance with the written instructions of the Consumer to whom it relates. I have not given my written instructions to have all of this information on my Consumer Reports.

I am a natural person I am a living human being, I have rights under 1681s2 ( A ) ( 1 ) ( A ) A person shall not furnish any information relating to a Consumer Responsibilities of furnishers of information to A person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

CAPITAL ONE has reported the negative information so that everybody could see. So I need the CHIEF EXECUTIVE OFFICER XXXX XXXX to provide full disclosure of this account and the wet ink Contract that we both should have signed because that is the full element of a Contract, Also there should be a XXXX on file with the Foreign Agents doing business in the United States for both XXXX and Agent XXXX. see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Iq data international says I owe for XXXXXXXX XXXX apartments, I have never leased from XXXXXXXX XXXX apartments and told them that, the company I leased from no longer is in business and they would not remove snakes from property and my wife was terrified and caused her issues and we had to move, they refused to help in anyway and were responsible for pest removal. We moved and my rent was paid to date when we did. They broke contract by not removing snakes from my front door, the only way out and my wife suffered from this. This was on my report for seven years and I never contacted them but they changed amounts on my report to make it look like I was doing something, now they have put this back on my credit report and I have never spoke with them in over 7 years. They are falsifying information to try and get me to pay something I'm not going to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is a concern about the policies of the credit agencies, not a current error in my score/report. I have a single account with a credit/debit card. This is all I've needed for years to manage purchases, etc. I have an excellent credit rating except for XXXX of the components of the score : number of credit cards owned. Because of this XXXX component, my score drops from excellent to " fair ''. 

It seems wrong to me that, their score requires me to purchase a service ( a new credit card ) which drives usage of their services in order to receive a better score that influences all kinds of other things ( ability to finance a car, house, get internet service, etc. ). 

Seems to me this is an unfair practice on their part. It's completely fair to measure me against my ability to pay for the services i already have, but unfair to make me buy more services to improve my score. 

Thanks for reviewing this.

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 2022-12-28
Company: SANTANDER HOLDINGS USA, INC.
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was trying to do a deferment on my loan with Santander and keep telling me no all i have wanted is to move XXXX missed payments to the end of the loan and was told i couldn't this is not fair to me. I'm working on trying to fix my credit and can't because they keep reporting im XXXX days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Paypal Holdings, Inc
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Yesterday PayPal notified me that someone had tri3ed to use a XXXX in my name which card I never had. The last XXXX numbers used were : XXXX I was not told the amount, vendor or date of the attempted transaction. 

I notified PayPal that it was fraudulent. 

I called XXXX and they directed me to the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : # XXXX Account name : # XXXX Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: GA
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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to account reporting as : XXXX XXXX XXXX or XXXX ( account XXXX XXXXXXXX )

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 2023-01-25
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XXXX I asked for proof of debt law office of Selip & Stylianou , LLP in XXXX XXXX XXXX XXXXXXXX XXXX Ny XXXX, they failed to provide me with that information. I also sent them a cease and desist letter and they still continue to come to the place I resign and share information with people that has no business regarding to this issue that I dont agree with.

Company response to consumer: Closed with explanation