BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: EQUIFAX, 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 information incorrect

Complaint:
The STATE AL XXXX CHILD SUPPORT XXXX, AL XXXX. At XXXX. Shows up on my Equifax credit report with inaccurate and outdated information. The account was opened in XXXX this is correct.. The account type is OTHER I have no idea what this means. The activity designator is PAID_AND_CLOSED. The balance is correct XXXX. There's a check mark for paid on time the Equifax report shows 120 days late for XX/XX/XXXX, and no where else, going back 7 years up till present XXXX. Date of First Delinquency is XX/XX/XXXX this is incorrect. Date Closed XX/XX/XXXX this is incorrect the account should've been removed. Actual Payment Amount. Date of Last Payment. Date of Last Activity. Are all blank. It all contradicts. I was pre-approved for a mortgage and Equifax reports Serious Delinquency. Time since Delinquency is too recent or unknown. Number of accounts with delinquency. I have'nt missed a payment on anything in the last 7 years of this report. I've filed two disputes with Equifax and each time the report becomes more bizarre and is adversely affecting my credit score. Confirmation Number : XXXX submitted XXXX and showing closed. Confirmation Number : XXXX submitted XXXX and showing closed. Lastly it shows in comments as a collection account, Equifax added that. If anything its a chargeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
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:
I disputed unauthorized inquiries accounts that are not mine, 2 medical and a account that says charge off which is not accurate and nothing was done

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 2018-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the student loan XXXX XXXX has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is 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 2023-03-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I write to attach screenshots of my online acct at XXXX XXXX XXXX XXXX XXXX which states ACCOUNT CLOSED, Your Account is closed and Available credit {$0.00} which clearly documents that I have closed my account and my account obviously has been blocked from future purchase transactions. XXXX was required to report my account as Closed By Consumer simultaneously and promptly to all credit reporting agencies during my phone call to voluntarily close my account and block my account from future purchase transaction pursuant to the FCRA and XXXX XXXX protocols. Obviously, my screenshots clearly document that my account was closed and noted in the database of XXXX. However, my CLOSED account still remains reported to every CRA as OPEN and I have doubts whether it knows how to enter mid cycle mandatory reporting if Closed accounts or worse it may not report my account as closed in willful violation of the FCRA and XXXX XXXX protocols entitling be to {$1000.00} in Statutory damages against the Furnisher and every CRA who fails to report my account as Closed. No excuses will be tolerated for routine mandatory processing of my as closed. Please investigate and permanently report my account as closed and further mark my account as disputed.

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 2023-05-26
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I rec 'd a letter dated XX/XX/XXXX from XXXX XXXX, Citibank, XXXX XXXX XXXX, with a statement that they needed to confirm that this was a valid application that I submitted and it provided a 4-digit reference number. I did not apply for this card and do not use XXXX for my gas. 
Several days later, I rec 'd the credit card ( not dated ). 
On XX/XX/XXXX, I called the # on the letter, XXXX. They answered fraud dept. I proceeded to explain that I did not apply for this card. In order to verify me, they needed my name, last 4 of SS #, address, DOB. I have never had to provide my DOB over the phone to any existing creditor I use. I felt I was being asked for way too much information. I repeatedly said I was not trying to be difficult but just very leary that they needed all of this info and if this was legit. The " CSR '' seemed very short and defensive. I was reluctant and hung up. 
I then called the # on the back of the card, XXXX. They answered " Consumer Protection Services. '' I questioned why they answered that way if this was supposed to be a customer service number. I, once again, explained the situation & specifically told them I wanted to close the account. I was told again in order to verify they would need my name, last 4 of SS #, address, DOB, an e-mail and a password. I told them I did not have a pw. Since I did not sign up for this card, I did not set up an online account. I was told this was to verify when they called me. I asked if they could tell me if there were any charges on the card yet and when it was applied for/processed. To provide this information, they would still need all of the info I had listed. Again, they were very short and defensive. I hung up again. 
Within one minute, I rec 'd a call from XXXX and said they just spoke to me and were calling from the fraud department. It was not the same person. I did not provide any info. Looked up this # on-line while I was on the phone and there are many reports of this # being associated with a scam. I told them this and said I was hanging up. There was no re-assurance that they were legit, just an ok. 
It is a shame that these scammers are misrepresenting CitiBank and as consumers, we are paying, in some way ( higher interest, fees, etc ), for all of these companies to have to combat fraudulent activity.

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 2019-08-07
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:
Notwithstanding allegations of fraudulent charges regarding XXXX XXXX account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the Equifax, XXXX and XXXX consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: TX
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: Didn't receive services that were advertised

Complaint:
This company report that I have 3 different loan under this company but I actually has been only one loan one company 's already deleted form credit bureaus but the other is still pending. This companies has written off in all 3 loans with the IRS as different evictions on the same matter I had report to them this is incorrect or probably tax fraud in the end please locate the order of deficiency form IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
They keep saying they have records an aplicacins of me asking for payments plans they did send me stack of papers about regulations an explanation of how they payments plans work i requested documents showing me asking for this payments plans i demand copies of the aplicacin you said I send you an i request the records they send to the XXXX mayor 's credit bureaus because they o different with errors I LOSS MY HOUSE MY JOB EVERYTHING

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been unemployed for XXXX  months now. I am starting to miss payments on my credit accounts as a result. Potential employers often pull a credit report to see if they want to hire me. I need a job so I can make my credit account payments, but they decline to hire me because I have missed payments. It is a Catch 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 2023-03-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian LLC Upon reviewing consumer report # XXXX for XXXX XXXX XXXX appears deceptive and suspicious. This report has cause me to be a risk and not credit worthy with various names, addresses, and deceptive reporting. This has blocked XXXX XXXX from being able to use and extend credit. 
Experian LLC has a grave responsibility as the report referenced has XXXX XXXX being denied credit and adverse action taken by persons of common affiliation. I Deny Any and all.

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 2019-08-07
Company: Select Management Resources, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Well when were staying in XXXX MO. I took out a title loan to help me pay bills, and I feel that the company Mid America title loan was taken advantage of those who are struggling to pay bills. They have a high interest rate of 680 % which means that they were getting triple the amount of the loan that you applied for and I figured that it was wrong at the time and i needed someone to really look into it to see why the interest rate is so high and had those that are poor and barely making it paying a high interest rate in order to get the car title back. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

EXPERIAN : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} XXXX : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX : {$6400.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1300.00} XXXX : XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-21
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have called him I have call Paypal and I have told them about it several times that my my face shut my account down because of the funds that I receive and they have nothing to do with the casino flight pass that rush you have the pictures and nothing was done about it they say everything is OK on it in but it was not and I call I didnt know what else to do and my car is still not right they have took money off of the machine and theres more money than that which I have it documented I reached out several supervisors and let them know about it everything feels to be OK on their end but its not on my end but no one never mentioned to me about giving me another debit card or account number but since Ive talk to those supervisors I got a card in the mail the XXXX XXXX XXXX and the car still has the same card number is nothing different the CVC number account number the card number everything seems the same and nothing has been done I cant receive money to cash out on casino games I have like XXXX XXXXOn the lottery scratch off and I cant use the my PayPal card to cash out its an invalid account so I dont know what else to do I took my XXXX XXXX XXXX XXXX XXXX off because they shot my car down because they said they can pay {$1500.00} I have it on video but unfortunately I have to go back to my phone to find it because I videoed it and itll show you the money about Paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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:
This is my XXXX endeavor that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$11000.00} ; XXXX Inquiry Date XX/XX/2021 XXXX XXXX Inquiry Date XX/XX/2021

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 2022-03-13
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My credit score was XXXX when I went to purchase my vehicle. The leasing company used an old credit score of XXXX. I was given a loan rate based on an old score, not my then current. I call the company and they said I had to reach out to XXXX XXXX, I was denied any further investigation. Date of purchase was XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CL Holdings LLC
State: TN
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:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15U.S. Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: LendingUSA
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 name is XXXX XXXX was a victim of identity theft a few years ago.I have been trying, unsuccessfully to remove this account from my credit report .I uploaded all my docs and proof for you to see .so u can see some one open an account with XXXX Lending USA XXXX XX/XX/2019 over XXXX was done under my name with out my permission identity thieft I have try with XXXX  and XXXX lending but XXXX  lending is not in charge of account XXXX XXXX has it there a mix up on my credit report with XXXX it has XXXX  lending as current account holder but they dont have it no more XXXX XXXX has but never reported this is weird I have excellent credit this is XXXX me please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter on XX/XX/XXXX2022 addressed to XXXX and TransUnion Credit Bureaus to have the unauthorized inquiries removed from my Credit File. I was a victim of Identity Theft and I never authorized these inquiries neither allowed anyone to inquire on my behalf. Of all the letters I have been sending to the Credit Bureaus, the Credit Bureaus have also kept ignoring my letters. I am disappointed by these actions done by the Credit Bureaus. These inquiries must be removed under the FCRA section 605b : XXXX XX/XX/XXXXXXXX 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