BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: TX
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:
Account info Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3000.00} Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance In accordance with the fair criedit reporting act XXXX  Account # 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 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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-02
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collections account was placed several years ago stating I owed balance of {$150.00} for treatment @ XXXX XXXX XXXX in XXXX XXXX Tx where I previously resided. I have contacted XXXX & XXXX on multiple occasions stating I have XXXX balance and I have the billing statement that reflects that. Ive contacted RMP services multiple times stating this info and Ive provided documentation to the collections co, Ive also disputed many times with XXXX with no satisfactory results. This fraudulent collections had stayed on my credit report for years and continues to show delinquent payment even thow Ive shown proof this amount of {$150.00} is not owed by me.I spoke to a CS rep on XX/XX/2022 and stated these same facts again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: FISERV INC.
State: NJ
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 inquiry is on my credit report. I am suspicious of this inquiry. # XXXX I don't recognize it. I contacted XXXX about this inquiry. They said this company ( XXXX XXXX ) does not have a valid contact number. They said they have a number listed as XXXX. I want to know how and why this inquiry got on my report. The credit bureau needs to remove it since it is sort of obvious there might be some sort of fraud involved. I want to see proof that I gave consent for this inquiry on my report. This needs to be removed if the proof is not provided. These inquiries affect the consumer 's credit report. Therefore, we take matters like this very seriously! We can file lawsuit and possibly win in courts where the credit bureau or creditor will have to pay additional fees for the false inquiry on the consumer 's 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 explanation
Consumer complaint received 2022-08-02
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:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department however I was unable to file a report due to lack of information as to who may have stolen my identity.

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 2022-10-22
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: Credit inquiries on your report that you don't recognize

Complaint:
CFPB + TransUnion, On my TransUnion credit report dated XX/XX/2022 - there are hard credit inquiries I do not recognize, are unauthorized, and would like removed from my credit report - attached to this complaint are : my drivers license my social security card my mailing address my complaint letter my TransUnion credit report page displaying these unauthorized hard credit inquiries that need to be removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by 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 non-monetary relief
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: VA
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 submitted XXXX complaints regarding the fraudulent reporting of a closed XXXX XXXX account, of which, was settled back in XX/XX/2018. My Equifax credit report has continuously been flagged with a " charge off '' indicator ever since, which has negatively impacted my credit score. Fortunately, XXXX and XXXX have the correct data.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Office of Brockman & Rollins, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a voice message that was left on my sisters phone stating they were the processor of the dispatch office and that I am a defendant in legal proceedings and that there is a complaint against me. Failing to comply can result in further legal actions taking place as well as the case going into default status and I need to contact their legal department asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Several inquires was reported on my credit profile without authorized approval or request for said credit. The following credit companies reported negative and hard inquires on my credit profile which is impacting my XXXX XXXX to be eligible for any future credit increases and new credit. 
Inquires Reported are as follows : XXXX XXXX XXXX XXXX XXXX ; RESIDENT VERIFY ; 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 2022-10-22
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 illegally tagged XXXX this complaint as a duplicate, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

Delete the record, pay me {$1000.00} statutory fine, and {>= $1,000,000} for punitive damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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 believe your company is using stall tactics while looking into my claim. your inaccurate reporting of consumer file is hurting my ability to obtain credit and i need this issue resolved immediately. according to the FCRA you have 30 days to review a claim and provide proof I verified my identity initially and need my claim resolved. be mindful i am keeping record of all responses and will file a complaint with the Federal trade commission if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: MA
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:
In the past few months I have received more than 10 Alerts thru my XXXX XXXX XXXX privacy assist with unauthorized credit inquiries. These have been across all 3 credit bureaus ( XXXX, Experian and XXXX  ). I have not authorized any of these inquiries and have no knowledge of how my personal information was acquired. I also received another alert from my Corporate Credit Card CompanyXXXX XXXX, about a similar credit card inquiry in my name as well as a XXXX inquiry. As none of these have been authorized I want to assure these are removed from each credit bureau 's file so that my credit is not impacted. I have also spoken with the 3 credit bureaus and have placed an alert and a freeze on my credit account file.

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 2022-08-02
Company: EQUIFAX, 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:
Equifax is stating on my report that I am deliquent and they are not providing me with reasons why is the case. 

I have called them and they are not providing me with the information. With the other two credit agencies, there are no reports of this deliquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: OH
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 had a medical bill placed on my report that was already paid due to an automobile accident. I have submitted the paperwork and the company and the bureaus have refused to update and remove this from my credit report. I even went to court with the company showed my proof to the judge and it was dismissed I sent in proof from the court with my complaint to the bureau yet on my current dispute they said it was accurate and didn't remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I made a e-transfer from XXXX XXXX  in XXXX XXXX, XXXX  to my Wells Fargo account in South Carolina. The amount was {$1200.00}. The transfer has disappeared. Subsequent to my XXXX transfer I closed the XXXX account ( I believe on XXXX ). 
XXXX XXXX  has supplied me with multiple transfer numbers and documentation in an attempt to track the transaction. Wells Fargo said they do not have the money and that it was returned ( for unknown reason ) back to XXXX XXXX. XXXX  has transaction reference showing return but no evidence of the money being received. All of this has resulted in multiple phone calls and visits to the local XXXX  branch for the last 2 months. Wells Fargo has never supplied evidence of their investigation of this - other than denial of any knowledge. 
I relocated to XXXX  on XX/XX/XXXX at which time I opened the account at XXXX  ; I lived in XXXX  for over 35 years and believe I have been a customer of Wells Fargo for most of that time. On a personal note I am an XXXX year old retiree living on pensions and have no way to make up this money. I have been retired for almost XXXX yrs and have no money to contribute to a problem not of my making. I can't believe our banking system is in such disarray that you can lose money on an interbank electronic transfer.

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 2017-09-25
Company: ID Analytics, 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:
First I am a Identity Theft Victim. Not just a plain victim. My profile was stolen and IRS is working on this to help get a new social security number. 
XXXX XXXX stated they sent info., to you to be checked. I did not authorize that. You should have looked for the authorization. But, you should have immediately known I was a Identity Theft Victim. Then you come out and give them some bogus score number, after I have had my car financed with XXXX XXXX and have a perfect account. This seems to be a pattern where the finance co. can approve the loan but charge a higher interest rate. My loan with XXXX today is at XXXX XXXX 
I can see from the multiple complaints that this is going to turn into a mass litigation lawsuit! 
I tried to get my credit report from you and have not received it. I just called you again, but will not call anymore. I am requesting a full investigation of your company, to include employees-where and how you obtain your information-length of time in business and the number of complaints filed against 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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-24
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a club calson hotel credit card with US bank for many many years, with a credit line of XXXX dollars, which I believe I deserve more but since I did not use it I never request any credit limit increase. 

Recently due to operational issue they mandatorily tried to shift my hotel credit card to USBank triple cash visa, as by that change from what I consulted I will loose all the welcome offer, I had chose to close my account and re-apply for the triple cash. 

Please be noted that so many years since my small business established I had never missed a payment and without any default events, so did my personal credit profile. If I reapply, I should be able to get a credit line of more than XXXX dollars. Then eventually approved for only XXXX dollars for my new application and I requested for the credit line increase and they rejected it for the following reason ( from the letter ) : 1. High balance on existing accounts That does not make sense as I have small business credit profile for so many years, 7 years at least and I constantly carry balances with my credit card, even with USbank club calson card when they have transfer promotions, it's a common financial tool should not be considered as risk. In addition, I have perfect personal and small business credit profile. What's more, during the pandemic, it makes great sense for a surviving small business to carry some balance but not default on you right? Most of companies provide great tolerance on these days, can not imagine they are being tougher.

2. Account recently opened.

3. Need 6 month payment on this account.

Above 2 reasons makes no sense at all, during communication with their customer service I specifically refer to my old closed accounts have XXXX dollars credit line and had flawless payment history. By the way what does 6 payments in this account mean? Is that the way to view a credit profile? Other payments from credit bureau does not account? Only the balance on other credit card from credit bureau counts? 

Another bad thing about this is, which is very bad, on their welcome offer, they said 2 specific benefit which attract me, one is the spending of XXXX dollars to get a XXXX dollars cash back, and the first 15 month of promotional XXXX interest period, on top of which they gave me only XXXX dollars, it's not acceptable. They are ruining my benefit by limiting my credit line for unacceptable reasons.

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 2023-01-26
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:
On XX/XX/2023, I attempted to make a car loan through my local credit union. They pulled my Equifax report, and it showed my brothers information instead. He has the same first and last name for reference. I checked my personal report from Equifax using my social/DOB/address and, sure enough, my brothers report came back. When I called Equifax, I was told that they could not confirm my identity and I would have to fax in all my personal documentation ( e.g. SS card, drivers license ) and estimated a minimum of 5 business days before acting on it.

Company response to consumer: Closed with explanation