BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
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:
I have reviewed my credit report and there is information that I have discovered which is not mine. I would like to immediately dispute and have investigated. The accounts that are on my account that are not mine are : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and remove them once its confirmed that they are not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Never used any funds from this Company, was a co-signer but owner is paying on student loans. Bankrupcy chapter XXXX and disable ... 
Company already discharged it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Experian Information Solutions Inc.
State: NJ
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:
Good morning, I am currently serving in the United States XXXX XXXX and have been for 16.5 years. I am attempting to get a home loan. My XXXX children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family. 

I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to Experian, XXXX  and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my 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 2018-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Back in XX/XX/XXXX or XX/XX/XXXX I called to set up a verbal payment arrangement that if I made XX/XX/XXXX payment that they would add my XX/XX/XXXX and XX/XX/XXXX payments to the end of my loan. Well since then at I file Bankruptcy but re-affirmed on my car loan to keep my vehicle. I have made my payments since then and this morning I went out and my car was reposed!! so I called them this morning and spoke to someone in the bankruptcy division and they told me that all I needed to do is pay XXXX and I would get my car back, so they transferred me over to the payment department. Well they told me that no I needed to pay them XXXX to get my car back- which I paid because I need my car to get to work!! But then I proceeded to ask them about the verbal payment arrangements I made back in XX/XX/XXXX and  they told when I filed bankruptcy that that became voided, but that was never told to me at the time of that agreement. My bankruptcy has been discharge and they came and got my car!!! But I was never notified that I was that far behind as I thought I had that agreement in place and was still making payments? I contacted my bankruptcy attorney as well and he said that this is not good business practice and that the time I filed my credit showed I was only XXXX behind on my car payments which would have been the tow that they agreed to add to end of my loan!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/19 my cash app starting sending me text notifications that my pin was changed and my phone number has been changed. During this time I had not been in cash app or using cash app for quite some time. When I checked my cash app I noticed several transactions of removing money from my bank account adding it to cash app, then buy bitcoins. None of these transactions have I authorized, no one had my phone or was using my phone and I didn't speak with or give any of my personal information out over the phone. Now I have {$3500.00} sitting in cash app that I can not retrieve. Cash app deals with millions of dollars and they can't even have a customer service person to speak with over the phone. You have to email them, which seems very suspicion to me. And no one emails you back timely. In this day and age anyone could be on the other side of that email. I believe someone within Square inc and the cash app company are stealing peoples money and making it look as if the user is sending it to themselves so the bank can't reverse the charges. They are scammers and fraudulent and my consumer rights have been violated. I would like to have this company investigated and my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
transunion failed to verify the bankruptcy on my credit report i want the bankruptcy removed imediatly

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 2018-08-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following account has been reported as a collection and was reported incorrectly. Please have credit bureaus to remove this, thank you : Please remove promptly. Thank you for your prompt attention. 

This is what I received : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX, " XXXX '' XXXX Sent : Tue, XX/XX/XXXX at XXXX XXXX  Subject : XXXX ( XXXX ) XXXX URGENT [ ref : XXXX : ref ] URGENT Per client request, please close XXXX dos XXXX and XXXX with collections. The client sent the wrong insurance and per the VA, the patient isn't responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: EQUIFAX, 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:
Equifax/ I do not remember authorized this company to obtain a copy of my credit report. This inquiry need to be removed immediately. Please deleted " XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have had a Bankruptcy on my credit profile since XXXX and have asked the credit bureau to remove it on multiple occasions and how they are verifying it as I have reached out to the courts and they said that they are not verifying it. They will not show me proof of how they are getting this information and it is stopping me from purchasing my first home. 

I have been sending verification letters on the following dates : -XXXX   -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/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 2018-06-22
Company: EQUIFAX, 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:
Equifax have " XXXX , XXXX '' that done inquiry. I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry. If you not have poof, I want this inquiry deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company refuses to send me proof of debt. If I have this info, I can do a better job of pursuing clearing this fraudulent debt from my name. Currently, I have zero information about this debt. I have filed an identity theft report via the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
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: Account status incorrect

Complaint:
Ive sent in several dispute letters dating back to XX/XX/XXXX to have items that were incorrect removed from my credit report. My last set of letters were mailed out in XX/XX/XXXX. I sent in proof that the following debts had either been closed and settled, not validated or no longer my financial responsibility and were to be removed from my credit report : 1. XXXX XXXX, Closed and Settled for {$710.00}, with a letterhead from the company. 

2. XXXX XXXX, I was taken to court by them and the judge dismissed the case because the company could not prove that I never made payments on the account after several requests from the judge. I attached a certified disposition from XXXX County, GA courthouse. 

3. Multiple credit inquiries, I have a fraud alert statement that states that any company attempting to offer credit will need to call me at a specific phone number to verifyu identity. No company has called me to verify any inquiries made in my credit report.

4. XXXX XXXX has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

5. XXXX XXXX company has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

6. XXXX XXXX XXXX XXXX XXXX has yet to validate their account. I explained that I never had an account with this company or are aware whom they are.

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 2022-11-05
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXXXXXX XXXXXX/XX/XXXX ; XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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:
I have reviewed my credit report and there is information that I have discovered which is not mine. I would like to immediately dispute and have investigated. The accounts that are on my account that are not mine are : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fadv/Resident Data XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and remove them once its confirmed that they are not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2021-05-30
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Due to covid-19 I became homeless. My income was reduced from {$1000.00}. to $ XXXX.per month. I contacted XXXX several times requesting an Hardship due to my loss of income and residence. Each time I was refused and denied. I am in litigation against XXXX for preadotory title loan. My attorney is XXXX XXXX. 
My friends are harassed regularly if I used their address for any mail at any time. I receive phone calls daily. And letters once a month. They do not have on my account the {$1200.00} that I've already given them.

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 2019-09-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have had a Bankruptcy on my credit profile since XX/XX/XXXX and have asked the credit bureau to remove it on multiple occasions and how they are verifying it as I have reached out to the courts and they said that they are not verifying it. They will not show me proof of how they are getting this information and it is stopping me from purchasing my first home. 

I have been sending verification letters on the following dates : -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
My wife applied for a loan online with XXXX XXXX for a in store pick. We read in the arrangement that if you did not pick up the loan it will not be processed. So we thought everything was ok because we did not need the loan anymore. We later notice that payments where being taken out of the account and called to ask why they stated that they gave us a loan of XXXX dollars. We explain that we did not authorize a loan to be given to us they deposit XXXX in our account without XXXX knowing it. We offer to pay back the XXXX dollars but they refused they wanted XXXX dollars. We believe that this is unfair and unacceptable since we did not authorize a deposit into our account. It been a year and they are still refusing to take the XXXX dollars and they are reporting to our credit that we owe they XXXX dollars this is damaging our credit and keep our score down. I would like this issue resolved can you please help us ... The Company is XXXX XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
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: Account status incorrect

Complaint:
Ive sent in several dispute letters dating back to XX/XX/XXXX to have items that were incorrect removed from my credit report. My last set of letters were mailed out in XX/XX/XXXX. I sent in proof that the following debts had either been closed and settled, not validated or no longer my financial responsibility and were to be removed from my credit report : 1. XXXX XXXX,  Closed and Settled for {$710.00}, with a letterhead from the company. 

2. XXXX XXXX, I was taken to court by them and the judge dismissed the case because the company could not prove that I never made payments on the account after several requests from the judge. I attached a certified disposition from XXXX County, GA courthouse. 

3. Multiple credit inquiries, I have a fraud alert statement that states that any company attempting to offer credit will need to call me at a specific phone number to verifyu identity. No company has called me to verify any inquiries made in my credit report. 

4. XXXX XXXX has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

5. XXXX XXXX company has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

6. XXXX XXXX XXXX XXXX XXXX has yet to validate their account. I explained that I never had an account with this company or are aware whom they are.

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 2019-09-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Removal of fraud alerts from my Experian 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 2021-05-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX has been reporting to my Experian report for the amount of {$3200.00}. 
I dont know this company I have never done business with this company this company doesnt have any contract with my written signature.

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 2020-10-12
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2018-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I recently filed a complaint on usaa for reversing a credit they gave me from their fraud department because they refused to upload the documents to the fraud team for my proof that I was being denied a package/product I ordered. I was told that I didnt send the documents in to the proper department as the reason why the credit was reversed. Then after I filed the first complaint with the CFPB about a week ago a woman by the name of XXXX contacted me and told me my claim should have been submitted as a credit dispute and that SHE herself resubmitted it with all the documentation I uploaded, and even though Inhave supporting documentation from USPS oig Investigation team stating that I wont get the package back, MRS XXXX claims she cant guarantee that I will get my XXXX that the bank stole from my account back. They are lunching with veterans money and this has to stop now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation