BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: CORELOGIC INC
State: AL
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 contacted CREDCO on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent them numerous letters and had called them three times. They have refused to provide me VALIDATION in where I provide them authorization or any company affiliated with them authorization to review my credit. They have been sued several times for actions such as these. Please review all attached documents.

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 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am writing to dispute multiple fraudulent accounts on my report. I am a victim of identity theft, and I did not make or authorize these charges. I am requesting that these accounts be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

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 2021-08-19
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court. 

There is also a bankruptcy in my credit report. It was included in my current report that it's already deleted and when I check the actual report, it's still showing on it. I've attached my recent report here that says it's already deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I noticed on my credit report that I have unauthorized accounts on my report. Pursuant to 15 usc 1681a3 they assu.ed this role without my permission or my consent. 

They did not have permissible purpose pursuant to 15 usc 1681b2. I did not instruct them to furnish the report and I never consented to it.

Pursuant to 15 usc 1681a4 they did not respect my right to privacy. They did not exercise their grave responsibility, were unfair & partial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
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:
Multiple fraudulent accounts have appeared on my XXXX XXXX and Equifax account. 

XXXX  XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Equitable Acceptance Corp
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
So after I graduated, XXXX XXXX sent me to " XXXX XXXX XXXX  '' who signed me up with a fraudulent company called " Equitable Acceptance '' who do consolidations for XXXX XXXX at no cost to them but charged ( unbeknownst to me and my father ) me over {$1000.00} to do consolidation paperwork. we were told nothing other than we had to pay a {$50.00} consolidation fee. We were not told that we would owe them over a grand just to do paperwork. It is so sad that the federal government that is supposed to have its citizens backs supports the likes of this scam company. I was very proud to be the first member of my family to graduate college and now it is one of my biggest regrets as i am over {$100000.00} in debt and have no end in sight of paying that off. My future children will not fall into the trap that is the American education system. Our government has let me and my family down on this one and i am deeply disappointed and bitter about this. PLEASE PLEASE PLEASE do NOT let anyone turn your loans over to either XXXX XXXX XXXX  or Equitable Acceptance as they are both nothing more than scams.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, a charge of {$200.00} was deducted from my checking account from XXXX that I did not authorize. On XX/XX/XXXX once I was notified electronically, I contacted my bank, Santander, and advised them about the unauthorized charge on my account and to dispute the charge. I also contacted XXXX to file a complaint and to dispute the charge. The next day, I received an email from XXXX that my checking account was refunded the {$200.00}, and the charge was made for a XXXX purchase. I thought the case was resolved, then on XX/XX/XXXX, I received a letter from Santander advising me they agree with the merchant and my checking account will be charged the {$200.00} for the XXXX purchase. I tried to call Sandtander 's card claims contact center twice and was on hold for over 10 minutes. I decided to email their contact center to request a call. I do not agree with their decision and no determination documents were 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 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have spoken witXXXX XXXX XXXX XXXX  on several occasions and they removed the lates once and then placed them back on. I have NEVER been late with them EVER! I need them to remove the two lates from my report of XX/XX/2018 & XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: Account status incorrect

Complaint:
I have spoken with XXXX XXXX XXXX on several occasions and they removed the lates once and then placed them back on. I have NEVER been late with them EVER! I need them to remove the two lates from my report of XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: OneMain Finance Corporation
State: CO
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:
On XX/XX/2020, OneMain Financial ran my credit a total of 3 times consecutively. I did not authorized these inquiries and I want them all removed. I have disputed them with XXXX  and they refused to remove them. I want proof of authorization for these inquiries and if this can not be produced I want them all removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: CORELOGIC 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. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. 
Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-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, XXXX, OH 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 2020-08-19
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX, XXXX XXXX XXXX, Credit Control LLC, and XXXX XXXX XXXX XXXX XXXX are all trying to collect a debt, the same debt, that I am not responsible for. Each time I inform one of these companies that the debt is not mine and provide them with the letter from the original creditor, I receive a letter from one of the other companies trying to collect the same debt on behalf of XXXX XXXX, XXXX. 

In XX/XX/XXXX, the original creditor of this debt, XXXX XXXX XXXX, performed an investigation and determined that I was not responsible for any previous or further balance on this account. ( Letter from XXXX XXXX XXXX Attached ) I notified the above companies of this on multiple occasions and included the letter from XXXX XXXX XXXX on the following dates. Tracking numbers are included XX/XX/2020 Notified via certified mail ( XXXX ) and fax XXXX XXXX, XXXX  XX/XX/2020 Notified via priority mail ( XXXX ) XXXX XXXX XXXX  XX/XX/2020 Notified via priority mail ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Notified via mail XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Notified via priority mail ( XXXX ) Credit Control , LLC XX/XX/2020 Notified via mail and fax XXXX XXXX XXXX XX/XX/2020 Notified via mail and fax XXXX XXXX XXXX Each of the above were responses to letters I received from the above companies attempting to collect the same debt. 

I have also filed multiple disputes with the credit reporting agencies against this debt. Each time the debt comes back verified by XXXX XXXX XXXXXXXX.

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 2019-01-24
Company: Adler Wallach & Associates, 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:
The Awa Collections account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for XXXX. Please assist me in getting this account removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Yesterday I received an email stating that my account had been locked due to too many unsuccessful signin attempts. I have not attempted to sign in recently, so I suspect that it was a hacking attempt. ( I did check the email, which came from a legitimate address - it seems to be the security company linked to the mortgage, XXXX I clicked on the link to reset my password and got to the two-factor authentication page. I tried text, email, and a phone call, but I never received a security code. This left me concerned that someone HAS hacked into my account and changed my information. 

My next step was to try to call the company. I used their " customer service number '' - the only number that exists. It claims you can get an agent there for a whole variety of concerns, including fraud. But it is a purely automated number ; there is NO option to get a human being and no option to report suspected fraud or get help with a locked account. If you try 0 it drops the call. 

The automated information also claimed the balance on my loan was XXXX. Of course I'd be delighted if someone hacked my account to pay off my mortgage, but this further makes me worry that someone has gotten into my account. 

I am very web savvy, but there is no email address or phone number anywhere on the internet that provides a way to contact this company. Other complaints to the CFPB have the same issue. How is a company that handles trillions of consumers ' dollars - and that, by the way, NONE of us chose to do business with ( like others my loan was sold to them ) - allowed to operate without a way for people to reach them when they are concerned their money has been stolen? I want my complaint resolved, but I also think this company should be forced to behave better.

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 2021-08-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 status incorrect

Complaint:
USAA is reporting a late for XX/XX/21 and I would like it removed. I recently have been going through a hardship because of Covid 19. I have had this account for a very long time, and have always been on time and never made a late payment. This was genuinely a mistake and I ask that USAA makes a goodwill adjustment for a loyal customer. My hours have been cut, and I have had enough money to barely scrape by. I ask that they please remove the late from my credit file. I was never late before and continue to make payments on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX Auto Loan ) 2- XXXX XXXX ( Credit Card )

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 2021-08-19
Company: EQUIFAX, INC.
State: SC
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:
company is reporting unjust false and misleading information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone was suppose to handle the situation.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX 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 consent.

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