BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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:
XXXX in 2015 say I owe them {$2400.00}. Id Like to first point out that the furnisher of the information is unreliable. I would also like to add that I have tryed many times with them and the credit bureau to resolve this but XXXX has Updated there info to match from my info I sent in to XXXX  and transUnion proving my name is incorrect and Birth year was incorrect. Many attempts to get them to remove a fraudulent charge has taken place even sending certified letters asking for information as to HOW they came to that conclusion but XXXX  and TransUnion refuse to acknowledge my letters by certified mail. XXXX  has already removed the account long ago but XXXX and TransUnion refuse to do so and refuse to answer my letters with my evidence of such that THEY gave to XXXX and XXXX changed the information to match I assume but NO contract and NO avail to correct this problem but they do keep updating there content on XXXX  and TransUnion. I have spoken to XXXX back in 2015 and had closed an account with them on good standing but then they placed this charge and said I owe for phones in Indiana in which I have NO knowledge of and argued the point many times to no avail. Never been to Indiana. No Family there Either so Fraudulent charges by XXXX. Please help me resolve this issue once and for all. 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 2021-02-23
Company: SYNCHRONY FINANCIAL
State: NY
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 written five ( 5 ) letters to Synchrony Bank / Walmart to the mailing address listed on my credit reports to advise them regarding a fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX, and XXXX XXXX credit reports. The only communication that I have received from Synchrony Bank / Walmart was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Synchrony Bank / Walmart.

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 2020-12-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe nor do I have a contract with this agency. The original creditor was paid in full. When the collection agency National Credit System at XXXXXX/XX/XXXX XXXX, GA XXXX ( XXXX ) XXXX was asked to provide a contract for this debt they failed to provide the information needed for there claim that I owe a debt. I tried to contact the original creditor but they are no longer the managment of this property. I called the XXXX XXXX XX/XX/XXXX- XX/XX/XXXXwhich is the new property management company and they stated that they do not have a contract with me. National Credit System is attempting to collect a inaccurate fraudulent debt. This is against the law. They can not provide the documentation that validate this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a company on my credit report stating I owe a debt. It has no name and no lender information. I have no received anything via mail or phone about this debt and I am disputing to get it removed off my credit.

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 2023-02-22
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 contacted Experian bureau and requested that there were inquiries on my credit that I wasnt aware of & they wasnt removed. The inquiries were 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 and according to the FCRA unverified & unrecognized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: National Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called at my workplace and my cell phone numerous times by National Recovery Solutions. They told me I co signed on this private student loan that was now in default because the primary person who took the loan did not pay. They told me this would negatively affect my credit because I was the co signer. They offered a settlement which I could not pay. We agreed to {$50.00} bi weekly ( $ 100 monthly ) to pay down this amount owed which I have been paying since XX/XX/XXXX. 
On XX/XX/XXXX I asked for verification on how much I have since paid and how much was left on the balance. On the XX/XX/XXXX, I asked them to send me proof I was the co signer which I do not believe at this point I am. The woman on the phone agreed to send. I then called back asking to cancel the ACH payments in the meantime until I had received the proof I was the co signer. They then told me I could not get the proof I was the co signer if I cancelled the payments. 
I would like either proof I am the co signer on this account or the {$2600.00} back that I have paid on this debt that was not mine due to the misrepresentation of this debt collector agency. 

I am attaching the letter sent to me that shows the original consumer 's name and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: United Acceptance Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They did not respond and stated that is how the company is run. We got a loan for XXXX, how every they took over XXXX dollars with of fees and that did not include the instreated. 
We paid the loan off early they only thing we got back was XXXX bucks We paid off over XXXX before it was due and this is all we got back in fees. 

We only got XXXX from the loan, but we paid back over XXXX in fees and instreat which this is not fair We want some of our money back over XXXX should be give back to us

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting ( copied from the affidavit attached ) *******

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 2019-02-27
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
All debt had been paid by my insurance company, I already check it with my insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX contacted Capital One credit card support because I was literally 3 HOURS late. I explained that because of covid hardships I was unable pay the bill on time because I was working extra hours to stay afloat and didnt have a chance to pay it earlier, also was explained is that I have been a member for years, paid MORE than minimum each month. She ran a check on my account and noticed that I had already used a one time courtesy so there was nothing she could do. Then I asked to speak to a supervisor who said there was nothing she can could do- I asked her if there was someone higher up, she said she was the highest for this- I said there is always someone higher up- she said that there is NO ONE THAT CAN REVERSE THIS CHARGE BECAUSE ITS POLICY. The charge was {$38.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-16
Company: Santander Consumer USA Holdings Inc.
State: NJ
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 was online today looking for free pre-approval options for a new car loan. the website cleared stated it was a soft pull, however a third party website called "road loans" pulled my XXXX  credit report without my authorization. I tried to call the lender as well as XXXX  to try and dispute this, and no one was able to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
After receiving emails from the bank for COVID-19 relief on my auto loan account, I requested the relief but continued getting collection calls. I sent them an email and referenced the relief request, I was told to call. I called again and requested the relief and thought all were fine. But, again, i started to receive calls and noticed late payments on my credit report. I contacted the bank ans asked why I was still getting calls and reported late payment but, instead of answering my questions, the representative hung up the phone. I was only 7 day past due on my account buy still receiving almost daily collection calls even though there was a relief.

I tried to close the account but they wouldn't let me close the account either. This bank is a crook.

This negative reporting has dropped my credit score significantly that the Department of Education has denied my child 's parent Plus Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/2019 I called auto phone line ( OPEN TO PUBLIC ) Requesting. AS A MEMBER assistance in REMOVING MY BANK INFO IN MY PROFILE * I WILL NOT BE PAYING ON THIS ID THEFT case XXXX ANYMORE. I spoke with usaa rep XXXX XX/XX/2019. USAA SUBMITTED A PAYMENT XX/XX/2019 ** I NEVER AUTHORIZED OR VERIFIED PAYMENT FOR ID THEFT DEBT. This is against Social Security Act section 207 BANKS FORBIDDEN TO COLLECT SOCIAL SECURITY FUNDS FOR DEBT. XXXX & Social Security RETURNED PAYMENT. I WENT EIGHT DAYS NO FOOD MONEY NO RENT MONEY. I NOW HAVE OVERDRAFT CHARGES IN MY XXXX ACCOUNT. ** I DEMAND WRITTEN DOCUMENTATION I AUTHORIZED WAS VERIFED TO POST THIS PAYMENT FOR THIS ID THEFT ACCOUNT OVER {$3000.00} XX/XX/2019.!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$4200.00} XXXX XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent multiple credit disputes with these companies asking them to investigate items on my credit that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results have not abused by these laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and found a unpaid debt for XXXX XXXX posted in my report. This action was done by I C Systems debt collection. I called and explained it was not my debt. During that conversation, actually 3, I found this debt belonged to my son who lives at a different address and apparently subscribed to XXXX XXXX. They told me to call XXXX XXXX to fix this problem, I did. XXXX XXXX told me they gave the collection company the correct information and they used a practice called " skip tracing '' and that collection company would have to correct it. I called I C Systems back and they refused to correct this error and remove the debt posting from my credit report. I C Systems phone XXXX XXXX XXXX XXXX Spoke with XXXX employee XXXX. They reference is report XXXX XXXX XXXX and account XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX I spoke to XXXX in Texas. The XXXX XXXX account number is XXXX. The account is in the name of XXXX XXXX XXXX. They posted to my credit report for XXXX XXXX XXXX My contact is ph. XXXX XXXX XXXX, email 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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from 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 explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: AZ
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:
I have tradelines not showing up on 2 credit bureaus. All three bureaus are not showing open accounts and it makes it difficult to run an accurate credit pull for lenders because it does not show my full credit report. 

Attached are the accounts that are not reporting to all three bureaus as well as my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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: Their investigation did not fix an error on your report

Complaint:
This is a COVID19 after effect. I had fraud on my XXXX XXXX account. It was a new purchase for " game points ''. My XXXX granddaughter was highly suspect. So, I requested a new card number. In the past, this fixed the issue. There were additional new purchases made, and XXXX charged them to NEW card number ( that I do not even have yet ) and XXXX XXXX accepted them. I could not get through to XXXX. XXXX XXXX said that companies with existing relationships could get new number for subscriptions. These were not subscriptions. XXXX XXXX said that changing the credit card number would not stop this from occurring, and their department that " freezes '' purchases from specific vendors was closed due to Covid19. So I can to cancel the account. My credit report went down 50 points. I should not be penalized for XXXX XXXX accepting these charges and XXXX for submitting 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 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have found a couple of inquiries on my credit report that I do not recognize and never authorized. I have sent multiple letters to Transunion about it but nothing has been done. Until today those unauthorized inquiries are still on my credit report XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / 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 explanation