BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: EQUIFAX, 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:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, they informed me of my options in handling my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am being denied for credit due to my credit scores appearing nearly XXXX points less on TransUnion in my letter denying credit. 
My scores are not all in agreement with the information reporting and the scores creating major conflict within my financial strength and capabilities. 
My score across all the bureaus are all wildly different. XXXX is XXXX while TransUnion is XXXX. I want my reports all to reflect accurately and precisely so that I dont have to spend hours upon hours losing sleep figuring out what is correct and incorrect. TransUnion of XXXX is ideal for me and I would like the other bureaus to mirror the information. I further ask that when reporting my score to a potential creditor that it be send accurately and in real time. The denial letter from XXXX XXXX services via TransUnion is specifically targeted. The letter said my score was XXXX! A far leap from XXXX. Please make sure an accurate credit score is being provided. This is damaging me financially, its crippling.

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 2022-12-22
Company: FIRST ADVANTAGE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2021 I took a background check passed and started working on XX/XX/2021 a background check was done but this time An alert happened and I lost my position I had disputed it and in the beginning of the year I was able to work now that another background check was ran I have the same problem and First Advantage staff is very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Experian Information Solutions Inc.
State: NY
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 leased a vehicle in XX/XX/2016 and corresponding 3 year financing ( {$9700.00} ) through XXXX XXXX. Currently, my open balance is {$500.00}. My credit reports shows the open balance but, there is no reporting of a related Credit Limit or High Balance. The failure to report the Credit Limit negatively impacts my credit score as shown in the attached documents. I submitted disputes to both the Credit Reporting Agency ( Experian and directly with XXXX XXXX ) to no avail. The results of the most recent Experian Re-Investigation is included.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Accurate Background
State: MD
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:
BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I don't know any thing else it appeared on my credit report as a collection as Midland. My income is social security and is exempt from debt collectors..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: Unity Asset Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The last three days, from XX/XX/21, I've received calls and voicemails from : XXXX XXXX XXXX, XXXX on dial-back from XXXX XXXX # XXXX for a XXXX XXXX XXXX for privacy. 

I called back and got 112 's vmail so left her a msg, " I am not this guy, I don't know who he is or where he is. This is my number and you have it wrong. Please stop calling. 

I called you back as a courtesy to help you and XXXX XXXX XXXX mostly, to avoid delaying his " matter. '' So, next day five calls so I called and XXXX had " just left. '' I'm the manager. Tell XXXX to stop calling here. 

Next day now five calls. Forget you. I'm filing a complaint with various agencies that this is unacceptable namely : FTC, Consumer Financial Protection Bureau at XXXX, CA XXXX Attorney General, XXXX,

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am using Bank of America checking account. I deposited a check for a large amount. They put a hold on this amount for 2 weeks. But, I thought that money would be faster available the next business day. But no. When they held the money, I had a negative balance and payment came to this check account, and they took 2 times overdraft fees of XXXX . That is, they held my money so that they would be available for payment. wrongly took interest.

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 2022-03-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian credit reporting
Is INTENTIONALLY WITHOUT
ANY LEGITIMATE DISPUTES
AND AT RANDOM LOWERING
MY CREDIT XXXX SCORES BETWEEN 23 TO 40 POINTS
EVERY MONTH BECAUSE I TOLD THEIR CORPORATE HEADQUARTERS TO XXXX XXXX XXXX AND TOLD THE
CEO OFFICE SECRETARY THAT EXPERIAN CREDIT REPORTING AGENCIES ARE
AT RANDOM LOWERING EXPERIAN FICO SCORES FOR
NO APPEARANT REASON WHILE MY XXXX  AND XXXX  FICO SCORES ARE AT XXXX  AND XXXX XXXX SCORES AND LAST WEEK MY EXPERIAN FICO SCORES WERE IN HIGH XXXX
TO LOW XXXX AND EXPERIAN 
DOES THIS BETWEEN XXXX TIMES A YEAR BY AT RANDOM JUST LOWERS INDIVIDUALS EXPERIAN CUSTOMERS XXXX SCORES AND THE CUSTOMERS XXXX
SCORES ARE GOING UP WITH
XXXX  AND XXXX  BY OVER 25 TO 40 POINTS!* WHAT IS AND WHY IS EXPERIAN CREDIT REPORTING AGENCIES DOING THIS AT RANDOM WITH NO LEGITIMATE REASONS OTHER
THEN TRYING TO MANIPULATE AN INDIVIDUALS XXXX SCORES BY
INTENTIONALLY LOWERING MY XXXX  SCORES BY EXPERIAN CREDIT REPORTING AGENCIES SERVICES WHILE MY XXXX SCORES WITH XXXX  AND XXXX  ARE GOING UP
XXXX  AT XXXX  AND XXXX  HIGH XXXX*
*WHY DOES EXPERIAN CREDIT REPORTING AGENCIES CORRUPT CORPORATIONS ALLOWED TO
MAKE UP AT RANDOM REASONS FOR LOWERING AN INDIVIDUALS XXXX SCORE FOR NO REASONS AT ALL!!*
*PLEASE INVESTIGATE EXPERIAN CREDIT REPORTING AGENCIES PRACTICES AT ONCE AND PLEASE ON MY BEHALF FILE
CRIMINAL COMPLAINTS AGAINST THEIR STAFF AND CORRUPT CORPORATE EXECUTIVES FOR INTENTIONALLY MANIPULATING MY XXXX SCORES AND FOR FALSELY 
REPORTING MY GOOD FAITH
ON TIME PAYMENTS WITH ALL MY CREDITORS AND CREDIT REPORTING AGENCIES AND PLEASE CHARGE THE CORRUPT EXPERIAN CORPORATE HEADQUARTERS EXECUTIVES 
WITH FEDERAL CRIMES AS
THEY FALSIFYING MY GOOD
CREDIT RATING!*I WANT THE
EXPERIAN CORRUPT CORPORATE EXECUTIVES TO
BE PROSECUTED FOR VIOLATIONS INTENTIONALLY 
VIOLATING MY PRIVACY AND
FORWARDING FALSE NEGATIVE CREDIT REPORTING INFORMATION TO
MY OTHER CREDITORS WITHOUT MY KNOWLEDGE OR CONSENT AND ALSO EXPERIAN CREDIT REPORTING AGENCIES SOLD
MY PERSONAL CREDIT AND
PERSONAL INFORMATION AND GAVE OUT MY SOCIAL SECURITY NUMBER TO AN OVERSEAS EXPERIAN CREDIT REPORTING AGENCIES THAT FALSELY REPORTED MY GOOD
CREDIT CARD PAYMENTS HISTORY!*I WANT EXPERIAN CREDIT REPORTING AGENCIES CORRUPT CORPORATE EXECUTIVES PROSECUTED FOR FEDERAL CRIMES AGAINST ME!*
YOURS TRULY,
XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

Please delete these fraudulent accounts : XXXX XXXX {$490.00}

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 2022-12-22
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: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I have unauthorized inquiries that is reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: FISERV INC.
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Clover/Fiserv is witholding over {$29000.00} in deposited merchant payment funds without cause since XX/XX/2023.

Company response to consumer: In progress
Consumer complaint received 2023-12-10
Company: UMB FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I put in a request to withdraw my available balance at the time to my linked checking account. It has been sitting in Pending status since XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: OH
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 have received a copy of my credit report and have noticed that the following item to be an error. I have contacted the three Credit Bureau to have the item removed. The mail sent the Credit Bureau were on XX/XX/2022. Only two Bureau removed the item but Experian still holding the item on my report. The item is XXXX XXXX XXXX XXXX for the amount of {$370.00}. 

I have attached the report from the 3 bureau and you will notice that the items are not seen on the other two bureau. 

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 2022-03-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I asked for the valid permissible permission used to access my credit report on XX/XX/2017 by XXXX XXXX XXXX XXXX ( XXXX ). Experian said they investigated and sent to XXXX who simply replies they are reporting accurately.?????? This has been going on for 5 years. Is Experian and XXXX managed by children or crooks because they are not professionals with integrity. XXXX and Experian play games to dodge liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have attempted to use the American Express gift card at major online retailers like XXXX who accept the card but then AMEX declines the transactions. 

Calling AMEX customer support providers no relief. They have no reasonable explanation for their declinations and refuse to offer any other relief, even when all of the proper information is provided by the cardholder

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22
Company: CITIBANK, N.A.
State: NJ
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 this creditor has violated my rights. 

Under 15 USC 1681 Section 602, states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2, it also states, a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

This creditor marked late payments on XX/XX/XXXX and XX/XX/XXXX to the credit bureau, which I contacted the credit agency explained and paid off my balance however, they refuse to update the Credit Bureau after they had already sent a report. I submitted a screenshot of a report from XXXX that was updated on XX/XX/XXXX, which shows that the credit agency marked another month ( XX/XX/XXXX ) as late, even though the balance statement is not due yet for 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 2022-12-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My information was breached not only by equifax but also by XXXX none of the following accounts belongs to me and was open or done fraudulently without my consent or knowledge XXXX XXXXXXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Opened XXXX {$620.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$810.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is a formal complaint. You are reporting every month inaccurate and incomplete credit information, according to the Fair Credit Reporting Act 609a ( 1 ) a ; you are required by Federal Law to verify threw physical verification of the Original sign CONTRACT with your company. Any and all accounts you post on a credit report, otherwise any one paying you for debt is probably fraudulent. 
I demand to See a Verified Proof. If you fail to Validate, Remove from my account immediately. 

When your system is UPDATED send me an copy of it also with the proof of physical verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: U.S. BANCORP
State: CO
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:
I received a cash advance XXXXXX/XX/XXXX for {$1600.00} + {$88.00} fee. I wanted to set up a XXXX month payment at that time I was told I could do so. When the {$1600.00} was sent to my account, I called member services and asked how do I set up the 3 month payment plan. I was told that I couldnt, only think I could do is make the payment through my current credit account. On XX/XX/XXXX, I made a {$550.00} + {$88.00} for the cash fee. Plus I made an additional {$200.00} on my regular monthly account. In XX/XX/XXXX, I made a {$580.00} interest included and again paid my regular monthly payment {$200.00}. On XX/XX/XXXX, I made the last payment of {$580.00} with interest, again making my regular monthly payment of {$200.00}. The total payment I made for the {$1600.00} cash advance was {$1700.00} with interest. So, Im still receiving a interest charge after paying off the cash advance in XXXX months. I was not told by any representative of US Bank they I would still have a balance and interest because my first payment of {$550.00} + {$88.00} fee, was not applied to the cash advance. I spoke with XXXX for for over an hour on XX/XX/XXXX, She finally had her supervisor, XXXX, come to the phone for him to tell me that my XX/XX/XXXX payment was not applied to the cash advance. It amazes me that they can separate interest fees, but not when you do a cash advance vs your regular credit card. I simply want the extra interest taken off my account. 
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 monetary relief
Consumer complaint received 2022-03-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Fraudulent transaction on XXXX app with XXXX and synchrony bank for an XXXX inch television XXXX, never received never had communication with seller, listing and seller vanished as soon as I tried to report problem two days later. Seller on XXXX is huntethiel vanished when I tried to report fraudulent transaction. I have supplied sufficient documentation showing I never received item but the bank will not rule in my favor.

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