BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Company not licensed to collect in the state of Illinois. This is a violation. They also never presented a contract showing I owed them any money. 

I noticed my credit report had a collection account on it. I immediately sent the company a letter. They in turn sent me a letter dated XX/XX/2019 regarding my request for reinvestigation. Issue is, I never requested anything be reinvestigated. I have never done business with XXXX XXXX XXXX, XXXX. What they did was send me a bill from another company and 2 pages of a rental agreement bearing the name of a rental   complex. That agreement does not show XXXX XXXX XXXX, XXXX to be the company due payment, yet they sent that with an expectation of payment to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 2022-04-06
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with XXXX XXXX that is serviced by Westlake Financial. I have made my car payment for XX/XX/2022, XX/XX/2022, and I tendered my payment for XX/XX/2022 on XX/XX/XXXX and received a payment confirmation number ( XXXX ) - which I have a picture of- which I just checked my bank account and I do not see this was actually taken from my checking - despite receiving confirmation from Westlake it was received. This morning, when I am current on all payments, or I thought I was, they came at XXXX am and repossessed my car. It is apparent now, despite tendering my XX/XX/2022 payment, they didnt take it - despite giving me a confirmation number they did ( again, I have a picture of this confirmation ). So they deliberately didnt take my XX/XX/2022 payment so that they could repossess my vehicle. I will be getting my car back today, but I want all extra fees, and costs of hassle reimbursed from Westlake financial for their fraudulent business practices and wrongful repossession of my vehicle.

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 2018-11-16
Company: Diversified Consultants, Inc.
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:
On XX/XX/XXXX, I was viewing my credit report and found that there was a hard inquiry for XXXX on my credit report of XXXX  dated XX/XX/XXXX. I never applied for services or gave any one unauthorization to use my social security number to open an account with. 

I chatted with a representative the same day, and was advised that the name on the account was XXXX and the account was opened using my social security number. The address on the account being XXXX XXXX XXXX, XXXX, VA XXXX. This is my EX-WIFE, and I would NEVER give her permission to open anything in my name. I was advised to call there fraud department but I have been recieving the run around. This is the 2nd time this has happened. She opened an account using my SSN in XX/XX/XXXX and the account was suppose to be closed down as fraudulent, I even spoke to mulitple representatives then. Now im being told the account was not shut down as fraudulent but is now with collections. I never recieved a bill because I do NOT live at this address on file. And now again XXXX has allowed my SSN to be used again to have an account opened. And now there is another unauthorized hard inquiry on my credit report. 

I have been told the account would not have been opened it the SSN on file did not match with the name on the account. That is XXXX, this is the second time you have allowed my SSN to be used to open and account and then allow the name to be switched on the account. 

I want ALL accounts with my SSN on your system closed and removed. I do not want to be held liable for ANY account balances because these accounts were opened fraudulently. One account closed on XX/XX/XXXX and its with a XXXX XXXX XXXX falsely. I want the account removed from XXXX XXXX XXXX as closed and removed from my credit report as the account was opened fraudulently. The second account was closed on XX/XX/XXXX, and its in the name of XXXX XXXX or XXXX XXXX but has my SSN on the account. I want my SSN off these accounts and hold her liable for the account balances. She NEVER had my authorization to open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: MD
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 am a natural person and a living human being, I have rights under 15 USC 1681. 

Equifax and XXXX are govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax or XXXX written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased merchandise from an online vendor on XX/XX/2020. Shortly thereafter I reached back out to the vendor for tracking information for the merchandise. The vendor at this point stopped responding to me and ultimately blocked me from contacting them any further. The vendor turned out to be a fraudulent company. I filed a claim with my bank, Bank of America, to recover the funds. After a week or so I was notified that they would not investigate the claim any further or reimburse me. This is shocking and burdensome, as I discussed with a customer service representation yesterday. Especially since I have in the past had a claim resolved and paid by Bank of America and the transaction was made exactly the same as this one. How is a financial institution not adhering to a consistent policy - he had no explanation as to why one claim was paid the other was not. This is not an acceptable answer.

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 2023-11-13
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: USDA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
This mortgage servicer has entered my property without authorization, contacting both my XXXX  grandmother and father. I possess evidence in the form of video surveillance, which prominently displays a " no-trespassing '' sign on my premises. They have engaged in unwanted surveillance and left blank notes on my window and doorstep in an attempt to establish contact, employing the practice known as " ding-dong ditching . '' Despite repeated requests, the mortgage servicer has not provided a copy of the purported contract between us. It is essential to clarify that I have never entered into a contract with this company. My original contractual arrangement was with XXXX XXXX XXXX. Unfortunately, XXXX XXXX XXXX engaged in mortgage fraud by creating false budget sheets, resulting in my qualification for a fraudulent loan. They were aware of the fraudulent nature of the loan, leading to its sale. Importantly, I was not provided with full disclosure regarding this fraudulent activity, including my right to rescind under the Truth in Lending Act. I keep asking them to produce the original note. The deed alleges the home was purchased for XXXX dollars. They are claiming a loan took place but they have yet to furnish any proof that any loan happened. The only money that has been exchanged has been extorted from me to this servicer under false premises. 

The current servicer is falsely claiming that my home is vacant, potentially as part of their predatory lending and mortgage fraud misrepresentation tactics, which also violate my civil rights. I hereby dispute any alleged power of attorney by this company, as they claim an irrevocable power of attorney without making me aware of it. Fraudulent practices nullify the entire agreement, as full disclosure never occurred. I do not consent to and will consent to harassment, stalking, or intimidation tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Details of the account in question are as follows : Company : XXXX XXXX XXXX Date : XX/XX/2017 Account Number : 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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 2020-10-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have  not been successful.

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 2021-07-08
Company: CBC Companies, Inc.
State: NY
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:
These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXXPlease remove it from my credit report.

2. Identity Theft FCTUALDTA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. Identity Theft XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-07-06
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX  XXXX Account number XXXXXXXXXXXXXXXXX - IDENTITY THEFT XXXX XXXX XXXX Account number XXXX - IDENTITY THEFT XXXX XXXX  XXXX Account number XXXX - IDENTITY THEFT 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 of 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 explanation
Consumer complaint received 2023-06-28
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
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: Account status incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted : Account Name and Account Number : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, and Zip : XXXX WI XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX ALL RIGHTS RESERVED

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 2022-11-29
Company: Genesis FS Card Services, Inc.
State: MO
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:
Monday, XX/XX/2022 at XXXX - received an email and text notification from XXXX XXXX saying there is a new inquiry on my XXXX credit report. After checking my XXXX XXXX account I saw that there is a new hard inquiry dated XX/XX/2022 from FEBDestiny. Location address shown on my credit report is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Phone number listed is XXXX. Inquiry type shows as Individual. I immediately called the number XXXX as listed. A recording says that number is disconnected. I looked online for Destiny Bank and found a toll-free number listed as XXXX. Recording at that number said to call within normal business hours and immediately disconnected. 

Tuesday, XX/XX/2022 at XXXX - I called the number to Desitny Bank to ask about the inquiry. Using my name, last four digits of my social and date of birth they claimed that they have no accounts listed under my name. They suggested that I call XXXX. 

Tuesday, XX/XX/2022 at XXXX - I called XXXX. XXXX is able to see the inquiry and suggested three actions : 1 ) XXXX offered to notify Destiny Bank of the fraudulent activity which I asked them to do for me. 2 ) They suggested that I call the creditor which I informed them I had already done. 3 ) File a police report and file a report with the FTC, which I am doing now at XXXX. 

I also put a freeze on my credit to prevent future applications and inquiries. 

I would like this hard inquiry immediately removed from my credit report as I did not request any new credit from Destiny Bank or any other creditors in the past several months. 

I would also like to ensure that no accounts or other credit activities have taken place as a result of this inquiry. 

If possible, I would like to know who accessed my credit information and how they obtained my personal information to access my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Con man name XXXX XXXX XXXX DOB-XX/XX/XXXX. 
Has been stealing people identity and con woman to get him personal loans for him. And threatening them XXXX and XXXX XXXX them. 
I am one of the many victims. 

I have a loan for {$6000.00} with XXXX XXXX  A credit card that is max out $ XXXX XXXX XXXX  And many more negative remarks on my credits that are not mine. 

I made a police report last year XX/XX/2019. Ans this items are still there. The more I investigate the more I see how many people have been scammed by him. 

Im XX/XX/XXXX I cant get a good score credit to move on with my new life. I had to sell my home now I dont have a home. 
Can someone please please help. 

Sincerely XXXX

Company response to consumer: Closed with explanation