BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
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: Information belongs to someone else

Complaint:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX   attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX/ XXXX XXXX, XXXX , XXXX XXXX, XXXX , XXXX XXXX , XXXX, XXXX XXXX, XXXX , XXXX , XXXX , XXXX, XXXX XXXX , XXXX, XXXX , XXXX , XXXX/   XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: EQUIFAX, 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:
i have sent more then enough information on XX/XX/2020 to have these accounts listed on in my police report and ftc report blocked or deleted. i have made all the attempts Per my own request to have these accounts blocked by Law or the FCRA. This is not a company and i have been getting no where because of automated emails i get from Equifax XXXX  and XXXX. Please see attached supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Equifax intentionally excluded all account numbers from items listed on my credit report. I downloaded a copy of my credit report today on XX/XX/21 from XXXX. My intentions were to dispute all negative invalid entries placed on my credit file by debt collectors. I want to dispute all negative entries in writing with certified mail and return receipt requests. I have no interest in filing disputes via Equifax online dispute method. 

Equifax is trying to force consumers to use their online dispute methods by removing the account numbers from everything listed on my credit report. 
I'm requesting that Equifax provide me with the account numbers for ALL of the following entries listed on my credit file or delete ALL of the negative invalid entries immediately from my credit profile. 

XXXX. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX 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 2022-08-16
Company: Westlake Services, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX I purchased a XXXX XXXX new XXXX XXXX through XXXX and financed XXXX through Westlake paid XXXX the rest of the amount. In XXXX the car was paid off DMV sent the title to Westlake after they received the title without it signed. DMV sent the title in XX/XX/XXXX Westlake has had the title since. In XX/XX/XXXX I was in a accident my vehicle was a total loss. I contacted Westlake to get my paid off car title and they say there is no record of me and that I applied for a loan but was not approved. The next time I called to get the title released to XXXX so I could get paid out for XXXX with both a rep from XXXX and myself on the phone they said this time they had absolutely no record of me. This is impossible because XXXX would of not sold me the car. DMV has them as title holder I know them as title holder and XXXX also has them as title holder. I have no vehicle no money and no title with no room to fix the problem. I cant work without a vehicle and I have no money to pay my rent and Im at risk for loosing my home this terrifies me being a single mom. I need Westlake to write a letter to XXXX to release my title so I can get paid for my total loss. I have the VIN and title number.

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 2019-12-13
Company: Experian Information Solutions 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:
XXXX opened an account under my name, social security number etc without my consent. I got mail from XXXX saying congratulations on opening an account.I called fingerhut to close any account because I was not interested in their services. They first said I didn't have an account. I got another piece of mail with a card in it with my name. I called XXXX again and this time they told me it will be closed. Now it appeared in my credit report. I have the Experian app that said there was a change. XXXX appeared on my credit report. Experian never investigates or protects the consumer Experian refuses to remove it Experian refuses to remove my student loans that are more than 8 years

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 2017-04-25
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My letter to the company. They are trying to get money from me which I dont owe and steal my Identity. It makes me nervous because its on the collection now.     Request Type  I h ave a dispute CONVERGENT  USA  - DEBT COLLECTOR Consumer ID  XXXX  Request Date   XXXX    XXXX  Details Hi, I received a collection notice from this company in the mail for the amount of {$25.00} for  XXXX  company.  First  of all I DO NOT have any   XXXX   account. I do n't even-know how   XXXX   XXXX   works. Second, this is only {$25.00}  I  dont have any reason why I will not pay this small amount. I would like to know what is this transaction, and please also advise where did I purchase this transaction?? I would like to file a police report on this if this is proven not my purchase. I am worried now that my Identity is know stolen. Please advise asap so that I investigate what happened in this amount. Thanks, 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 explanation
Consumer complaint received 2021-11-19
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
My complain is about Crypto.com. I opened crypto account a while back and when i opened the account to trade crypto currency i scaned  my id and everything they wanted and i started trading crypto currence. At some point i wanted to withdraw my currency to my bank account and they wont let me withdraw the money since my mailing address is po box and i tried reaching out to them saying that we live in area we dont get mail delivered so we are mandatory required to have po box address so all my utilities and bank account and even my id has po box . 
My complain is why did they not disclose this when i opened the account that i need physical address not po box why did they allow me to use my bank account and my id which has po box address to open account and now i want to withdraw they come up with this that i need physical address.they need to let the customers know before they open account not when they want to withdraw. 
I lost so much money coz i was not able to withdraw crypto whien they were up and now they are down so i lost money and they are not taking any responsibilities and my money is stuck and i cant withdraw.

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 2021-11-20
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not an attorney not am I a XXXX party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX  # XXXX #. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the XXXX, XXXX. XXXX XXXX, section XXXX, codified at XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In accordance with the Fair Credit Reporting act XXXX TRANSUNION reporting XXXX  Account # XXXX Bal Date XX/XX/22 is reporting incorrectly. 30 day late reporting is incorrectly appearing on the report and is hindering me from obtaining new credit. 

There were technical issues beyond my control dealing with their website which had numerous errors in order for me to gain access to it in a timely manner.

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 2021-11-19
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:
Transunion and XXXX is reporting an inquiry from XXXX XXXX on XX/XX/2021 on my credit report. I have filed several request to be removed. I also contacted XXXX XXXX. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It did not belong to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On or around XX/XX/2021, I disputed inquiries from XXXX XXXX Auto Finance ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 ), The XXXX XXXX XXXX XXXX ( XX/XX/2021 ), and  Capital XXXX ( XX/XX/2021 ) with TransUnion to no avail as evidenced by the return receipt. In addition, I contacted the creditors via written correspondence as evidenced by the return receipts, and they could not verify that I completed an application with them. TransUnion failed to investigate this matter or show me any proof illustrating that these creditors had a permissible purpose to access my credit file ; and as a result, my credit has been adversely impacted. TransUnion failed to confirm that the above referenced creditors had a permissible purpose to access my credit file. In fact, I previously disputed an inquiry that TransUnion allegedly verified, but the company, XXXX XXXX, communicated that it was an error and it would be removed as illustrated by the enclosed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
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:
A rent-to-own company called XXXX XXXX is reporting that I have an unpaid {$3800.00} charged off account on my credit. The account number being reported to my credit is " XXXX ''. I have never had an account with this company and this debt does not belong to me. At first, I thought this was a reporting error by the credit bureau but after more than five months of disputes, Experian has not deleted it because they keep saying it is my account and I need to call XXXX XXXX to handle this. This is where my problem begins : I have called XXXX XXXX on the number provided to me by the credit bureau letters and they are telling me that the name the account is under is " XXXX XXXX ''. That is not my name. My name is " XXXX XXXX ''. I have tried getting them to send me some sort of supporting document or proof that the account is under this other person 's name but the regional manager will not give me any information because the account is under XXXX XXXX and I am not that person. This is ridiculous. What am I supposed to do to get this account off my credit? If XXXX XXXX does n't delete this from my credit report or mail me a supporting document I can send to Experian, I am going to file a police report for fraud. I have never had an account with this company.

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 2021-11-19
Company: Experian Information Solutions Inc.
State: CO
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:
Experian signed me up for a XXXX monitoring service WITHOUT my permission while pulling up a credit report. From the my phones internet browser XXXX is not able to see the option to cancel service. You have to change it over to DESKTOP site in order to see it. Months went by if my card getting charged XXXX from XXXX to XXXX without be able to cancel it or know to check the desktop site. 
I then cancelled the card and had a new number issued. Somehow EXPERIAN got that card number from XXXX XXXX BEFORE it even arrived at my house and change the number on their autopayment side and STILL CHARGED ME AGAIN. I sent them a nasty email and said to refund within XXXXXXXX hours and they did/but only the the month they charged on my new card number that I did not even know yet! 
I just logged into Experian to get documents and they are telling me I dont have a account anymore. I will collect XXXX statements of charges and the most recent credit on the new card-will get that by the time you respond..

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 2022-04-27
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I recently checked my credit report and I seen some un authorized Inquiry on my profile. They Include XXXX, XXXX, Citibank NA, Best Buy

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 2022-04-27
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: Reporting company used your report improperly

Complaint:
I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, was properly investigation but how is that possible if the open dates is inaccurate, the last date active is inaccurate, the last reported is not accurate, Account numbers is inaccurate, last payments is inaccurate, time length inaccurate and the dispute status and credit remarks don't match. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a Account without my written instructions. 

I haven't given these Accounts written permission to furnish these accounts on 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 explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
they not letting dispute inaccurate inforamation XX/XX/2023

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 2022-04-27
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation