BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: SC
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX and 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 2023-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I had a mortgage with Home Point Financial and was in a forbearance due to Covid ( My Husband worked for XXXX XXXX. The forbearance is from XX/XX/XXXX - XX/XX/XXXX. 
During the entire forbearance process I have been told that, due to Covid, the amount would be pushed to the back of the loan. 

My loan was then sold to XXXX XXXX effective XX/XX/XXXX. I received a notice from XXXX XXXX advising that the loan is in default. 
Called XXXX XXXX and was told the loan is due and they will not offer a deferment. 
Called Homepoint and XXXX on three way on XX/XX/XXXX. Spoke to XXXX at Homepoint ( agent # XXXX ) and XXXX at XXXX  ( asset Manager ). 
XXXX states loan is XXXX XXXX and DOES qualify for deferment of total amount at the end of the forebearance. 
XXXX states that XXXX doesn't service loans backed by XXXX XXXX so that is impossible. 
XXXX forwarded the loan origination documents and the loan IS backed by XXXX XXXX 
Homepoint then reported my loan 120+ days late to the credit bureau XXXX I have sent them an email, and they said it will be under review for 30 business days. 
Why was my loan transferred to a servicer who doesn't service XXXX XXXX? Will the deferral be possible? Why am I reported late while on a forbearance? 
I am extremely concerned and want a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX about an Credit Card reduction program which assist me with getting my current credit cards into a 0 % reduction program. I was advised by XXXX  XXXX  that the program will cost me {$790.00}. I was told before the company could charge my card I would receive a call from XXXX  for me to authorize the payment with XXXX XXXX before they could process the payment ; however I missed the call as I was in a meeting. On XX/XX/XXXX I seen the charge of {$790.00} pending on my credit card from XXXX XXXX XXXX XXXX, FL. I called my credit card company and spoke to a representative and explain that I didn't authorized the charges as I was informed by XXXX XXXX that I would have to do before the payment could be processed. On XX/XX/XXXX the representative told me I couldn't stop the pending charge and I would have wait to file a dispute or call and ask for a refund from the merchant. On XX/XX/XXXX I called and spoke to XXXX XXXX and she advise she put in a request for a refund I never seen it, I called multiple times and spoke to Manger XXXX XXXX he put in a request for refund and instead of a refund on XX/XX/XXXX another charge posted for another {$790.00} to my credit card from XXXX XXXX XXXX XXXX XXXX FL, which I called XXXX  XXXX   again when I saw another charge pending on my account and told the representative that I didn't authorized this company to charge my card again, why would I let them charge my card again when I am disputing the first charge. The representative would not stop the pending charge again and the second charge posted to my credit card account. I have been disputing this charge with XXXX  XXXX  and the only phone number I had for XXXX XXXX  XXXX XXXX seem to not be vaild as the number is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capitol One pulled a fast one with my original complaint... # XXXX. They knew the credit card I was referring to was the Cabela 's Club XXXX Mastercard but they went to an XXXX XXXX account on purpose. Nowhere in my original complaint did I ever member that credit card ever, They did this intentionally. 

How do I know? The collection agency they transferred my Cabela 's Club XXXX Mastercard account was the one they were assigned. Capitol One was devious and unprofessional with this effort telling you XXXX thing and me another wasting both of our time with this distraction from the essence om my original complaint. 

I want the reply to the Cabela 's Club XXXX Mastercard account which they cancelled many months ago. 

Yesterday I drove XXXX miles XXXX way to the XXXX 's store in XXXX to speak to the company to try to get the old account number but all I got was XXXX female customer service rep after another, I wasted my time and fuel to try an honest effort that failed. 

Please refer to my original complaint # XXXX that you closed after Capitol One gave you a huge lie in their XXXX XXXX reply, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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 have filed numerous disputes about portfolio recovery services. They have placed a fraudulent collection that is also too old to be on my report but XXXX  keeps verifying it as accurate even though it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified XXXX XXXX XXXX ( Convergent ) on XX/XX/2018 regarding an alleged debt on behalf of XXXX XXXX XXXX , XXXX ( see attached ). At that time, I contacted Convergent via phone and written correspondence ( see attached ) stating that I have reason to believe I am not responsible for the debt that is being attempted to collect. I received a letter back from Convergent dated XX/XX/2018 ( see attached ) stating they are not currently handling the debt. Convergent, also, stated that if any information had been reported, they will request that the information be deleted. I spoke to Convergent on XX/XX/2018. At that time, Convergent stated that they closed the account and sent it back to XXXX XXXX XXXX , XXXX ( " XXXX '' ). 
I pulled my credit report on XX/XX/2018, and it reflected XXXX XXXX as a creditor on behalf of XXXX ( see attached ). The date reflected on the credit report was XX/XX/2018. XXXX XXXX XXXX has the same address as Convergent. 
I contacted XXXX XXXX XXXX via certified mail on XX/XX/2018, and I copied XXXX Dispute Resolution and XXXX XXXX XXXX , XXXX ( see attached ). In this correspondence, I requested information verifying the debt. 
I received a correspondence from XXXX dated XX/XX/2018 ( see attached ). In this letter, XXXX states that the account was transferred to XXXX XXXX, and I needed to contact Debt XXXX XXXX XXXX to discuss the account. The number listed on the correspondence is for XXXX XXXX XXXX. 
I received a correspondence dated XX/XX/2018 from XXXX XXXX XXXX , XXXX ( " XXXX '' ) ( see attached ). In this letter, XXXX states they are collecting a debt on behalf of 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 2023-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I settled my account XXXX XXXXXXXX XXXX XXXXXXXX XXXX account with XXXX XXXX XXXX On XX/XX/2023 with the understanding that account will be deleted from my credit report. I have tried to do this with the bureaus but they just don't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: AmerAssist A/R Solutions, Inc.
State: GA
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:
{$1700.00} XXXX XXXX the amount of {$1700.00} is being reported for a bill I have no knowledge of. I have been a victim of multiple breeches and in some cases, I was either in high school or at college when the info was used and placed on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, 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:
Hi I am submitting this 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please delete the accounts below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-08-18
Company: EQUIFAX, INC.
State: NC
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 XXXX inaccurately reported a late payment of 30 days for XX/XX/2022 on my credit reports. I disputed the late payment with XXXX and XXXX. The disputes resulted in XXXX XXXX updating to reflect paid on time with all 3 bureaus to include Equifax. In XXXX however, both XXXX and Equifax again inaccurately reported the late payment. XXXX reported it again as 30 days late and Equifax reported it as 60 days late this time with both being inaccurate. XXXX still shows the account as never late although it is now closed which is accurate. I disputed the items again with both XXXX and Equifax using information furnished to Equifax from the creditor themselves that shows {$0.00} past due in the month of XXXX as well as no activity indicator of any payments past due. Both Equifax and XXXX still refuse to update my credit report accordingly. I requested a copy of the information furnished to XXXX in response to my dispute regarding the late payment reported and a representative explained to me they don't get involved or ask for any proof. They only ask the company to verify whether or not is true and if the company says it is verified they will not remove it. 

I filed a complaint with the CFPB which is now closed. XXXX stated they updated the account in the conclusion however nothing has been updated. They stated they removed a name which they did not and that does not address the issue that I have. I have the payment history report that XXXX XXXX furnished to the credit bureaus which shows amount past due for the reported late payment as {$0.00} because there were no amount past due. There also is no activity indicator of a late payment on the payment history report that XXXX XXXX provided. XXXX refuses to update my credit report according to the payment history report provided from XXXX XXXX which I forwarded over to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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