BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: WA
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: Problem getting your free annual credit report

Complaint:
Previously filed a complaint regarding Equifax not sending my credit report, they responded indicating that it was sent ( they didnt prove that it was mailed ). I still havent received the report and it is well over 30 days from when I requested it on XX/XX/XXXX. It is my belief that they lied to me and the CFPB about sending it so that they could have the previous complaint ( XXXX ) closed. When I was able to check my report about a year ago, Equifax was reporting my old name and address from roughly 10 years ago. It is my belief that Equifax is intentionally reporting this false information, and then in turn are not sending me reports so that I cant dispute the false information. All the credit bureaus were notified of my name change in XXXX, and they have been updated on my addresses since. There is absolutely no reason why Equifax should be doing this, unless they just have blatant disregard for their responsibilities under FCRA! At this point I want compensation from Equifax for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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 2017-10-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
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:
I.Q Data International collecting a disputed debt on behalf of XXXX XXXX XXXX XXXX, has reporting an amount due as delinquent debt to the credit reporting agencies. The contested debt is basically for " pest remediation '' and the lease provides that such amounts are chargeable only based on the " negligence '' of the tenant. The disputed debt is therefore not a voluntary credit transaction under CA law. XXXX : XXXX case. 

Nonetheless, I offered to pay the full amount of the debt upon the offer of the IQ Date Intl agent that she would remove the tradeline. However, the agent said this offer was only available if paid within the next hour. I requested that the terms of this agreement be put in writing and then I would pay the debt so as to remove the tradeline. The agent refused to send a offer letter, or letter confirming the oral representations. She also failed to provide the mini miranda disclosure and said she only needed to make that disclosure on the first call with me earlier. The agent also acted in a rude and unprofessional manner and essentially hung on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: LA
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 submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where they received such information, so I may take appropriate legal action. Under the FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. Below is the list of the fraudulent items I found on my XXXX report ad must reoved from my Credit report : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-05-12
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:
Good afternoon, I have tried submitting dispute requests via mail to XXXX/EquifaxXXXX, however they are not responding back at all no matter how many dispute letters I mail out. I know that this is not the correct protocol and I will like my disputes handled today. I am requesting the deletion of these below negative items that does not below to me. 

XXXX XXXX not my account XXXX XXXX XXXXXXXX XXXX not my account XXXX XXXX XXXX not my account XXXX XXXX XXXX  XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXXE XXXX unknown account Thank You, XXXX XXXX XXXX XXXXy XXXX XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1977

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX I purchased a XXXX XXXX from XXXX XXXX financing was being done by XXXXSantander..I executed all documents and assumed it was complete.The process was choppy and confused as signing was rescheduled and when I finally picked up the vehicle things seem to be resolved and I signed a XXXX XXXX XXXX contract on XXXX that was dated XXXX left with the vehicle on XXXX and got a ticket for no inspection sticker even though it was supposed to be included and was listed on the itemization.Then the real problems began and I received a call from someone at XXXX saying that I needed to fill out another application on line because the loan was not being " funded '' by XXXXI did that and received subsequent calls from XXXX trying to sell me another car??? On I received several subsequent calls from XXXX saying it was all set and then it was n't and I needed to do another XXXX  application??? The entire situation was ridiculous.They had my downpayment, I had signed all the loan and ownership documents but apparently there was some probllem between XXXX and XXXX XXXX I spoke to XXXX in XXXX to I believe a XXXX XXXX, who said she thought it was all set and that I should check with XXXX so my father and I called XXXX and spoke to a XXXX  and XXXX in Internal lending and they confirmed that there was some " irregularities '' with the loan because the vehicle was exchanged on XXXX.I advised her that that never happened.Apparently XXXX was trying to cover up for some internal errors with their documentationShe then was emphatic that we should be all set because the numbers matched on the application numbers and the loan would be funded.This funding issue was not my problem but we thought it was resolved.We even discussed when the XXXX payment would be due because now all the dates were different.She said it would n't be until XXXX days after the funding date and I would get a statement and interest would only accrue from the funding date. 

On XXXX I received in the mail a notice that the car would be repossessed unless I came up with XXXX?? This is insane the dealer did the financing and apparently had some clerical issue with the funding source and this is somehow my problem? They are trying to hold me responsible for their internal error.I have no issue paying the loan but it is unfair and deceptive to hold me accountable for their errors.They also violated fair credit with the errant disclosuresThey are a mess and this was ridiculous.I buy a car with XXXX XXXX  interest with dealer provided financing and I am responsible because they XXXX up?????? They are holding me responsible for their internal accounting and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on Credit Bureau 's response to the written requests I sent regarding WILSHIRE CONSUMER CRED. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2017-10-27
Company: Gatestone & Co. International Inc.
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX has been calling my place of work and talking to several different coworkers as well as my boss about me and my financial situation he works at XXXX XXXX and Ive asked him not to contact me at work but says that the law allows him to. Hes threatened to keep calling and talking to my boss. This could get me fired as we arent supposed to receive personal phone calls Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: Rent Recovery Solutions
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, did attempt to resolve this with rent recovery solutions, and they blatantly lied here to the CFPB. I only attempted to have Rent Recovery Solutions send ANOTHER letter to XXXX  because XXXX  said they DID NOT receive the first one. 
I called every week once a week until now, because Rent Recovery Solutions NEVER REPLIED TO VOICE MAIL OR EMAILS. They are the problem now, they are reporting an account that does not belong to me, that is fraudulent and in fact,, Rent Recovery Solutions is BREAKING THE LAW by not getting their account off my credit file. They lied about me, they refused to listen to my issue, they transferred me to XXXX instead of sending another letter to XXXX because XXXX  claims they did not get the first one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 social security number was stolen and has been being misused. The name of the individual that has misused my social security # is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following accounts need to be removed immediately. It is fraud!!! 

XXXX XXXX XXXX {$570.00} Opened XX/XX/2018

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 2021-05-12
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021, I spoke to male, believe his name was XXXX. Stating he was attempting to collect a debt for XXXX. He offered a settlement amount, I advised him I am not familiar with the his company, or the company he claimed to be the original lender. I asked him to send me validation of debt. He informed me a settlement offer was already sent to me. I advised him I have never received mail correspondence from his company and asked him to provide me, by mail, validation of debt. He said he will just tell me by phone to refresh my memory and said, " What's the point of sending your validation of debt if you aren't going to pay when offered a settlement. I asked him if he was refusing to provide the validation he said, you aren't going to pay it anyway. He ended the conversation with " yeah right '' and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While XXXX late XXXX, I received an alert from XXXX saying that was a debt collection owed for an apartment. I instantly disputed the claim because I was XXXX and I have never applied to live in an apartment. I first contacted the apartment complex to get any information I could as directed from the XXXX Police department website for fraud claims. The manager informed me that they had no records for that due to the complex being bought out by another company. I asked if there was anyone they could reach out to from the previous company and I was told no. 
After that call, I proceeded to call Procollect and was told that they could not give me that information. That I would have to go through the police department or the apartment complex. 
After disputing this incident now three times online I then called the management again hoping for another answer. Still the same answer of no records. 
After returning home in XXXX of XXXX, I XXXX  the address from XXXX XXXX. After speaking with the manager and a rep, she informed me that they were bought out a second time and they do not have any records to give me. She said I should XXXX the name of the company before they were bought out and a number should be listed. 
I called as soon as I got in my car and it was then we discovered that the previous company had already merged their online websites and phone number with the new company. So basically I called the same two ladies that I had just spoken with in person.

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 2021-05-12
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: Investigation took more than 30 days

Complaint:
I have filed several disputes to the credit bureaus and yet have failed to get a reply. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
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: Their investigation did not fix an error on your report

Complaint:
I just reviewed my credit report and noticed several errors reporting on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: AL
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 writing to have information in my file deleted IMMEDIATELY. I was notified today that the errors were resolved when in fact they were not there are still error on these same accounts that they stated were fixed and they yet once again are not and here I am once again wasting my time and money trying to get this resolved. I am so tired of having to dispute and go back and forth with the credit bureau and there still be information wrong. I am done with disputing these XXXX accounts and all of the inaccurate information that is on it. I have been trying for months to get ALL of the inaccurate information on this account fixed I have even disputed it though this XXXX AND THE CFPB already and everything once again was not fixed as it should have been. At this point I would like for these accounts to be removed that are listed above from my credit report because that is the only thing that can be done to satisfy me at this point. I have tried countless times for this to be fixed. It is against the law for you to keep having all of these inaccurate information on my credit file and it is unfair. Just delete the accounts to resolve this situation. 

How is it possible for me to go straight to 90 days late in XX/XX/2019 then go straight to 120 days late in XX/XX/2019 then 150 days late in XX/XX/2019. This pertains to just about all of the account. I can not be on time one month and then 90 days late the next month it doesn't make sense.

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 2017-07-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize the following inquiries to my credit report. I have contact the Equifax, numerous times with no help. I explained I was a victim of fraud with my credit and tax returns. The inquiries as follows, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Receivables Outsourcing, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received two letters in the mail attempting to collect {$35.00} each for XXXX XXXX XXXX. I do not owe these amounts. 

XXXX XXXX attempted to invoice approximately {$350.00} in XXXX 2017. Due to medical malpractice ( the bills were the results of inappropriate prescriptions, a XXXX XXXX XXXX XXXX by mistake causing XXXX, resulting in ER visits, invalid diagnosis from physicians of an XXXX when I had 2 XXXX ). I contacted XXXX XXXX  's billing department, who agreed to remove all charges instead of facing me in court for malpractice. XXXX XXXX XXXX legal attorney 's ( the XXXX XXXX in Kentucky ) were informed of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2020 I purchased a vehicle from XXXX XXXX XXXX. I had a pre-qualified offer from XXXX XXXX XXXX. Instead of using XXXX XXXX for my creditor XXXX XXXX  XXXX pulled my credit report with different companies, which made my credit score drop very quickly. They did not inform me that they were making all those inquiries on my credit. They matched me with Wells Fargo. I believe I am the victim of predatory lending and would like to file a complaint against XXXXXXXX XXXX XXXXXXXX and Well Fargo. They took advantage of me because of my age.

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