BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: AL
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 XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.

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 2017-12-22
Company: ERC
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:
I have continuously tried and been promised by this company to be left alone regarding this debt. I believe my lawyer even submitted in an affidavit and it continues to sit upon my credit. This company has no respect for the law or the FCRA laws CPFB and with the attempt to do To protect the citizens of this country from what is basically extortion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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: Their investigation did not fix an error on your report

Complaint:
CHAPTER XXXX BK WAS DISCHARGED ON XX/XX/2011 AND ITS STILL ON MY RECORD I WILL LIKE IT TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: OpenRoad Lending
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received an email from loan lender ( XXXX ), telling me that they received my application from their partner OpenRoadLending, But I don't give any permission to OpenRoadLending to share my information, the same company who did a hard inquiry under my name without permission ( issue that I'm trying to resolve with XXXX ) so now they are sharing my information with other lenders without my approval, I was trying to reach that lender ( XXXX ) but I couldn't find a telephone number on their web page

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Bread Financial Holdings, Inc.
State: MA
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:
received notice dated XX/XX/2019 that the closed my account due to the number of inquiries that was obtained from XXXX credit bureau report. this card was pre approved and only had it for 1.5 to 2  months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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:
There are fraudulent accounts on my credit profile that I have been disputing for several months to no avail. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was purchasing a {$3500.00} television at Best Buy store and was told I could get 10 % back in store rewards if I signed up for the Best Buy Credit Card with Citi Bank. I filled out the application including yearly income over {$200000.00} and no mortgage debt. I always pay of my XXXX XXXX   bill to avoid interest. The Citibank Rep denied offering me the Best Buy card ( thus no rebate ) instead wanted me to get a gold card with yearly charge of {$59.00}. I did not accept the offer and did not purchase the tv. A return call to the bank confirmed the denial was based on incomplete credit history! The Best Buy brochure code is XXXX and late fees of {$38.00} and interest on carried bills of 26.49 % APR! I think that if I ran Citi Bank or Best Buy I would want many many customers like me.

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 2019-05-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
onemain I'm filing a complaint on your company for violations Of the FCRA AND THE FDCPA I was viewing my credit report and I noticed some violation reporting on my credit report I have disputed this account with all three credit bureaus and they states that you verified the account But as I review the report from your company I noticed that you didn't enter dispute marks that consumer disputes with out that Information the account can not report fcra 623 you could be fined {$1000.00} per account. So please delete this account from my credit file. violation number two the account is a charge off you are still showing late payments on a charged off account there should be no late payment reporting you could be sued for {$1000.00} for each violation on each credit report. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have disputed this with the credit reporting agencies and they are not conducting a proper investigation and don't take this as a threat But I have file suit on all three agencies is why I'm disputing with you right Now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$140.00} XXXX XXXX XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$20000.00} DEPT ED/XXXX  XXXX {$3200.00} DEPT ED/XXXX XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had a credit card with Capital One. I contacted them about the account and they had a different name altogether. This item does not belong to me and needs to be removed from my XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The following two companies have been reporting over balance and the balance is below. This is causing a negative impact on my credit. 

1. XXXX XXXX XXXX XXXX XXXX you 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos ) 2. XXXX XXXX XXXX XXXX XXXX ( Card 2 ) You 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company ( XXXX XXXX ) keeps repeatedly calling my place of employment. I myself called from my cell phone and asked that they not call my job. He then threatened to take me to court. They continued to call my job up to 3 times per day for the past week. Today she ( XXXX XXXX ) told my manager that she was a liar and she knew I was working here. I am close to losing my job because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: CITIBANK, N.A.
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:
My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. 
Below is the information on the companies and amounts XXXX {$400.00} XXXX XXXX XXXXXXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX   {$300.00}

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 explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX.I am submitting this complaint without any influence from any third party or agency. There are inquiries on my consumer reports that were not authorized and do not have any accounts on my reports.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Please investigate and remove them all. I claim Identity theft!

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 2021-01-25
Company: Source Receivables Management LLC
State: AZ
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 been getting the run around from Source Receivables and XXXX. I have asked for contract or a itemization from Source Receivables they tell me to ask XXXX and neither one of them will give me what I'm asking for. This is not a hard request to complete. This is not a legiment account and needs to remove from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: TRANSWORLD SYSTEMS INC
State: MA
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:
Transworld System, amount for XXXX. I have sent Debt Validation to Transworld System several times and they have not responded and continue to report information to my credit reporting agencys

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I do not have an account with XXXX I had one years ago. I do not have one now and never tried to get another one after I closed my account in good standing with them. My identity was stolen in 2022 in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in XXXX where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: EQUIFAX, 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX   XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX ( XXXX :, XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX ( XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX  : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: IL
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:
I recieved a XXXX XXXX XXXX credit card early XX/XX/2019, as an authorized user, for the sole purposes of piggy backing. The credit card has yet to show up on my credit 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Inaccurate Credit reporting, Violating my rights as well as violating codes 15 U.S code 1681i ( 5 ) 15 U.S code 1681e ( b ) 15 U.S code 1692j 15 U.S code 1692d 15 U.S code 1681 15 U.S 1681I ( 5 ) ( B ) ( ii ) ( iii ) Acct Name : XXXX XXXX Acct # XXXX ( Violation of Reinsertion of Debt ) Inaccurate Reporting Twice on credit report. 

Acct Name : XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX Acct # 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 2021-08-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/2018, I received my second notice from XXXX XXXX that my Credit Score has dropped 30 points at a second Credit Bureau in the past week and I'm not sure as to why, the account in question has never nor is it currently behind. The Creditor says that they submitted the amount that is currently due this month and before I could pay it on XX/XX/2018, XXXX and Experian has dropped my credit Score by 30-60 points and I would like to know why? A Rep a Experian said that it is because I exceeded 30 % of my total approved limit  for that particular card and that Creditors do not want you to exceed that amount because they feel you are in debt and you can't pay it back. I understand that, but, shouldn't I at least get a chance to pay it before I get a penalty? We had a situation with my car this month and I put the one time charge on my card not knowing that I would suffer a penalty, isn't that part of what you get these cards are for? I wouldn't normally complain but this policy doesn't make sense, the bureaus say that this limit is designed to stop you from defaults but, if I have a low limit card ( say about {$3000.00} ) and it goes over a {$1000.00} I get a penalty. They say that you are High Risk of not paying it back but, if I have a card that is limited to say {$11000.00}, I can charge $ 3200+ and I'm fine and I'm doing a great job ( credit Wise ), even though I'm at a greater financial risk, Why? The government needs to have the bureaus explain this to consumers before you get this penalty. The Bureaus need to explain who and how these limits are determined. The bureaus are setting the limit on what you can use in any given month, SHOUD N'T THEY BE THE ONES APPROVING THESE CREDIT CARDS ALSO? What is the point of a creditor giving you a limit, if the bureaus aren't going to let you use it? The Bureaus have the power to destroy a persons life in seconds, but, once they give you a mark, it takes month to years to try and straighten it out, Why? The bureaus say that my credit standing is excellent, but I have a risk and usage level of only 30 %, Why? This is submitted as a General Use Statement and if you request further documentation, I can provide 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 2021-01-21
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: Was not notified of investigation status or results

Complaint:
I should not have to be doing this complaint if the credit bureau were doing their job. Back in XXXX XXXX XXXX I filed dispute with XXXX XXXX XXXX Equifax. There are things on my reports that are not correct and I want them corrected. This should not take this long to do that. Attached is the first disputes I submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with non-monetary relief