BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX  XXXX   XXXX  , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: PA
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:
By the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced Recovery Company ( ERC ) is reporting an account with XXXX on my credit reports. I sent a letter ( see attached document ) to ERC requesting that they validate the debt. I asked for specific documents including the agreement between them and the original creditor, the original contract with my signature on it, a complete payment history for the account, proof that their company is registered to collect in my state and other information to validate this debt. ERC failed to supply this information. Yet, they continue to report this account on my credit reports in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After sending information to verify myself with my disputes by means of a Credit Repair Organization, Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below XXXX XXXX XXXX   ****XXXX not mine XXXX ****XXXX not mine XXXX ****XXXX not 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor.The following inquiries were not authorized for any permissible business purpose : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-10-15
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:
XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, Equifax, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I picked a car in XX/XX/2015 financed by Santander Consumer USA. The price of the car was {$11000.00}. After the processing, they had created a loan of {$13000.00} including fees and other charges. The monthly instalment was {$340.00} for a period of 5 years. After a time of 6 years, {$24000.00} has been paid back and still a balance of {$7600.00} has to be paid, which is a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Yesterday I got a phone call stating I was going to be approved for XXXX in a loan. Cash central USA and Mr XXXX XXXX XXXX, the number he called from gathered my personal information, including my bank login and password and verification code, and promised to have done a test deposit of XXXX-XXXX before depositing my XXXX loan. They then told me my bank account was not eligible for it and I need a new account. I'm retty sure I was scammed and my identity is compromised. As well as my personal account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have made several attempts to have non-account holding inquiries removed from my credit profile and provided proof of several violations from various companies that have placed these inquiries on my credit profile. After several months, of disputing with TRANSUNION LLC, I spoke with a representative named XXXX, and he informed me that they are not going to remove anything from my profile, even though I provided proof of the violations.

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 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Saw on XX/XX/23 a hard inquiry on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Someone tried to use my identity causing collection and hard inquiries. I called TransUnion and they would not remove these. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-07-25
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed I had unauthorized charges on my Huntington checking account when waking up XX/XX/XXXX for various amounts. I IMMEDIATELY called the bank to dispute the charges. I also had my debit card cancelled. I explained to them my phone was stolen over the weekend and that was most likely how this occurred, but I wasn't certain. I explained to them I was at a new address, but they still sent the replacement debit card to my old address! I have not received it to this day! 

Over the following couple days I had MORE charges despite cancelling my debit card and reporting the issues. I immediately went to my local branch to try to see what I could do to have these fraudulent charges STOPPED. These new charges should have never occurred given the information I provided to the bank days earlier. The lady told me she would take care of it, but didn't do anything until I followed up via email. She seemed new and not properly trained in handling this situation properly. 

Over a week went by and I called back, only to find out the 2nd batch of charges were reversed as they should be. however the initial batch was DECLINED. I explained once again everything that occurred and they re-opened the case with new notes ( apparently the first representative never documented anything I said ). Why is the 2nd claim approved but the 1st claim declined? They were during the same time period and both fraudulent charges not made by me. 

Another week goes by and I called back, only to find out the claim was denied yet again. These were large amounts of fraudulent charges that I did not make, and I feel that I have cooperated and went out of my way to pre-emptively try and fix everything but the bank is not being responsive or listening to me or the evidence provided. The lady on the phone was not helpful and basically said " too bad ''. The representatives are largely dismissive and not helpful... failing to document notes/evidence provided and sending my replacement debit card to a different address than mine own. They also did not properly help charges from continuing to occur after my first call. I have also been in continuous contact with the branch via email with no real help or solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard credit hits on my credit from Capital One, XXXX and XXXX Bank XXXX XXXX 

ALL NOT ME. 

PLEASE HELP ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MN
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 information is unauthorized As followed Name : XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX Illinois XXXX, Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an XXXX XXXX XXXX. it says XXXX XXXX blocked my round ups from going to my account. I've tried contacting customer service & I'm told " that they have nothing to do with it. '' Looking for answers ... 
thank you

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 2019-02-25
Company: Experian Information Solutions Inc.
State: UT
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:
I had gone to my financial institution to try to apply for a loan, when they pulled my credit report it showed that XXXX XXXX XXXX, who is actually the company that I am leasing my house through is reporting that I owe {$2000.00} per month on a trade lne. My rent is only {$1000.00} so I don't know why they reported {$2000.00} but the way that they are reporting it, it looks like I have owed {$2000.00} since I moved in and they are not reporting that I have paid anything, but infact, I have paid my rent early every single month. 
My financial institution said that because this is showing on my credit report this way, it puts my debt to income ratio incredibly high and that they will not be able to give me a loan with it showing this way. I contacted XXXX who agrees that this is incorrect but instead of callng the Credit bureaus to fix it, they sent me a lettter. My financial institution will not accept the letter and said thta until they remove it, it will affect my ability to secure a loan. I would like this fixed.

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 2021-04-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXXXXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: UT
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:
I had gone to my financial institution to try to apply for a loan, when they pulled my credit report it showed that XXXX XXXX XXXX, who is actually the company that I am leasing my house through is reporting that I owe {$2000.00} per month on a trade lne. My rent is only {$1000.00} so I don't know why they reported {$2000.00} but the way that they are reporting it, it looks like I have owed {$2000.00} since I moved in and they are not reporting that I have paid anything, but infact, I have paid my rent early every single month. 
My financial institution said that because this is showing on my credit report this way, it puts my debt to income ratio incredibly high and that they will not be able to give me a loan with it showing this way. I contacted XXXX  who agrees that this is incorrect but instead of callng the Credit bureaus to fix it, they sent me a lettter. My financial institution will not accept the letter and said thta until they remove it, it will affect my ability to secure a loan. I would like this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called over a month ago to have them send in an application for my student loan refund and still have yet to receive the refund. I called back this week for updates and they said they do not have a timeline for my refund. This is quite alarming, seeing as other groups have already given out refunds to people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was in a default and I received a forbearance plan due to COVID-19. I have informed them that I had contract the virus and they did suspend payment. However, I was unable to return to work and is no longer with the company which gave the opportunity to pull down my 401k money. So, on XX/XX/XXXX the funds in the amount of {$180000.00} was bank wired to account XXXX XXXX XXXX XXXX per payoff instructions. 

As, of today XX/XX/XXXX they are not showing my loan payoff of payment received. I have called daily and provided proof of wire completed on XX/XX/XXXX to research dept. In calling in on today I was told that they see I have been calling but process has not began for resolution of this issue. I am so afraid that they are scamming me. They are asking me to send information again now by email. This does make sense to me. 

I really need help in getting this issue resolve immediately. 

The mortgage company/ servicer PHH Mortgage gmla # XXXX nils # XXXX XXXX XXXX XXXX # XXXX. address XXXX XXXX XXXX XXXX , IL XXXX XXXX. XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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:
In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
3. Please provide a complete account history, including any charges added for collection activity. 

XXXX XXXX XXXX Past Due Amount : {$1300.00} Dispute XXXX XXXX XXXX Past Due Amount : {$190.00} Dispute 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 explanation
Consumer complaint received 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from XXXX on XX/XX/XXXX at XXXX XXXX  stating that my " online application was in progress ''. Less than 1 minute later, I got a second email from the same address saying that my application for a Bank of America XXXX XXXX XXXX  Account was approved. Both of these emails passed XXXX, XXXX, and XXXX indicating that they originated from official BoA addresses. I am a former BoA customer but have not had any accounts with them for years. I went though the process to reset my password using the partial account number provided in the second email and was able to successfully log in and validate that it was a real account with BoA. 

Additionally, a second phone number was added to the account without triggering any email or notification to me. I've confirmed in the Security Center that the only recent logins to the account are mine from investigating this which would seem to rule out any online account takeover / stolen passwords.

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