BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
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:
I am currently disputing an account with Equifax and in light of the recent news about Equifax I decided to call them and see why my dispute was still reporting on my consumer credit report when I filed Identity theft because the account does not belong to me and Equifax is still colluding with XXXX XXXX by leaving the account on my report without providing proof that the account is mines. In have requested the description of procedures of reinvestigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( a ) I have been granted nothing in return for my request. This is willful non-compliance pursuant to15 USC 1681n. I have numerous violations against Equifax at this point. I called Equifax today and I was told that I had to send them a picture from my phone to verify my identity. That's another violation, where does it say in the law that I have to take a picture on my phone to verify my identity? I was not asked any information like my name or social security number. When I did not take the picture the agent stopped talking and remained silent. That's called willful non-compliance. Coercion tactic, which is another violation. 
I ahve attached proof of Equifax trying to get me to consent to a picture id verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
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:
I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : 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, 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please delete the following : ( 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 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 2018-12-22
Company: EQUIFAX, INC.
State: OR
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 very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Bread Financial Holdings, Inc.
State: AP
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am called 8-10 a day between XXXX and XXXX by Comitiy bank. We are currently overseas and they have continued this for WEEKS. My husband is in the military and we can not get any sleep because of these repeated calls!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07
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 was checking my score for accuracy and came upon accounts that are fraudulent that i did not authorize on my credit report i was advised to fill out this form one of the steps of action on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In a nutshell in XXXX of last year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX realized someone had access to my information as I have been removed as the business owner from my small business phone plan with XXXX. After XXXX months of investigation they tried to charge me for the month 's prior, I left. 

The second flag is towards the end of the I decided to look into the possibility of opening a small business though to increase the size of my business. Even though my business had never had a loan of any kind it was old enough to the point where it had finally achieved having a XXXX XXXX XXXX number. I was not eligible for around however and it said that I currently have a loan out that I have never made a payment on I was able to view the credit report instantly for the first and only time a business gets a free credit report. I called and inquired however they did not know who the loan was through and they asked if I would like a copy of the report which of course said yes to, and I never received it. The loan amount was substantial. 
Another couple months later I suddenly receive a bank statement from a bank I have never had an account with. It was {$98.00} balance on the account but it was accruing penalties as the minimum amount to have on the account is {$100.00} without fees. I was able to call and make a little headway finding out that they were only XXXX transactions on the account, and I unfortunately was not in a place to write anything down but I recall it seemed like a similar amount for the missing amount from my unemployment and for the small business loan. 
TD Bank is the holder I guess primary checking account that is indeed with my name and social security number. However after it slips that I was not the person to open this account they immediately froze his account but also refused to give me any further information. 
The police report was filed, but the only statement I have is because the account went below their minimum, even though when I have audibly heard the transaction it was for significantly more. So unfortunately the police are not able to assign an investigator to the account because it has to be of at least {$1000.00} and the only thing that they have proof of is my {$88.00} that is remaining!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: CNG FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Around XX/XX/2015 I opened this account. I made payments on time for a long time every two weeks. I had to get a divorce due to a XXXX marriage. I called them to work out new arrangements said they work with me and I was in no danger of getting reported to the credit bureau. They never reported all the payments I made on time. However without notifying me they reported me negative with XXXX. The fair credit reporting act states a creditor is suppose to notify you when it supplies negative info to a Credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: EQUIFAX, 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:
Since XX/XX/2018, I have been disputing the fraudulent accounts on my credit report with Equifax. The other two bureaus, XXXX and XXXX, corrected the errors and deleted all the fraudulent accounts, many of which were likely opened while I was incarcerated. Although I provided copies of the respective City of XXXX police report and Federal Trade Commission reports, Equifax has still failed to delete these items off my report! I sent them proof of everything. I even had sent in documents to show proof of my address, and they locked me out of viewing my own credit file! When I called to check the status of the dispute, I answered the verification questions with the knowledge of what was being reported on my credit file, and they informed me that I didn't pass verification! 

I was repeatedly asked to send in proof of ID and address, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, although I had already provided such information and it was on file. They also continued to add new fraud alerts each time I disputed the fraudulent accounts, although I did not ask for nor need a fraud alert because I am applying for a mortgage. Yet although fraud alerts were added, ironically, the fraudulent information and accounts were not deleted. It is very likely that my credit file was compromised by Equifax themselves, although I may never know. 

Almost everyone I have spoken with at Equifax has been very rude to me, not understanding my requests. Many of them have a XXXX XXXX accent, and once I faxed in a request for them to NOT add a fraud alert on my file, and they added one anyway, and alerted the other two bureaus to add one. I have had to continually submit documents month after month, attempting to lift the fraud alerts. This is keeping me from working on rebuilding my credit, which was compromised to begin with. 

I am beyond frustrated. I ask that you compel Equifax to immediately delete the fraudulent accounts from my credit file. I have all necessary documentation. Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have asked Dept of Education Navient to sent me my original instrument of indebtedness. I have send multiple certified letters via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I haven't seen the original form saying I signed for this debt from Navient.

They have mailed me an generic document on how to repay the debt but that's it.

My total Debt {$110000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
State: AK
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:
Equifax is not providing me approriate verifying information in an investigation provided by a company by the name of XXXX XXXX. They are reporting on my credit report a bill from XXXX XXXX without supporting documentation that it was me, ex. signature, procedure, etc.. I have sent three seperate letters asking Equifax to remove from my report if they can not provide me supporting documentation into the investigation verifying that this said bill is me. Under FCRA I have a right for supporting documentation of an investigation. It is also stated on their reply letter of that request, stated ( Notice to Consumers ) Dates are XXXX and amount is {$420.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Regional Management Corporation
State: OH
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 dont recognize the name on the loan for {$380.00}. Nor do I remember getting a loan anywhere near that amount or at that time. I dont think it was me, and if it was then the amount is far more then it should be. I'd like to dispute it, to my knowledge It wasn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr.Cooper has mismanaged {$3600.00} that was paid to an insurance company due to Mr.Cooper inept employees.I told them not to pay any one until I gave them the ok to do so.My husband ( he has permission to speak to them on my behalf ) explained to them on XX/XX/2019 that we were thinking on changing homeowners insurance.The rep.advice him not to worry that no one was getting paid until they had our consent. 
Mr.Cooper err when they paid XXXX XXXX XXXX {$3600.00} without our consent.XXXX XXXX XXXX is currently been investigate by the Fla.Dept.of insurance for insurance fraud. They never had any authorization too billed Mr.Cooper for a policy. 
In my previous complaint to your office, I have stated that the money in question has not been credited to our escrow account.No one from Mr Cooper has reached out to us to explain why the {$3600.00} is still missing from the escrow account. 
The hearth group returned the original check to them on XX/XX/20019.See attached docs. 
I am tired of calling Mr.Cooper to get an answer concerning my missing escrow.ITS ALARMING that they Do not respond to my issue.Instead they are lying to your dept.and are twisting information to their benefit. 
I want this matter to be resolved once and from all.The {$3600.00} belongs to me and it should be credited into the escrow account. 
Finally the person from Mr.Cooper that responded to you, doesnt returned numerous phone calls to her.Why? I wish I knew.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: BTH Management
State: OH
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 dont recognize the name on the loan for {$380.00}. Nor do I remember getting a loan anywhere near that amount or at that time. I dont think it was me, and if it was then the amount is far more then it should be. I'd like to dispute it, to my knowledge It wasn't me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Diversified Consultants, Inc.
State: SC
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:
DCI- Diversified Consultants is reporting incorrectly on my credit report. I've never had XXXX. This was placed on my credit and removed, and reappeared under a different collection Agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson Capital System. ( XXXX ) trying to collect a debt I have never owed. I have never owned a XXXX account for the amount od {$380.00}. I have attempt to resolve this issue several time with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. These fraudulent accounts are as follows, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX. Ive advised XXXX and Transunion of this. Ive disputed the validity of all of these accounts with XXXX  and Transunion as well as those listed collection agencies, several times to no avail. XXXX and Transunion, along with those collection agencies refuses to provide me with the documentation Ive demanded them to provide me with, XXXX and Transunion refuses to remove these fraudulent accounts out of my name and off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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: Was not notified of investigation status or results

Complaint:
Certified letters to validate or provide proof of the debt were mailed XXXX XXXX, 2020 to XXXX XXXX and 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 2019-07-07
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company replied back with incorrect information. Me and my ex wife had to refinance the home due to divorce settlement which my ex wife get half of the equity in the home. XXXX XXXX was speaking with my ex during the whole process not only my wife was assistanting she was advise by XXXX to sign off on all the documents XXXX XXXX has also spoken to my ex wife on her personal cell phone. When i spoke to her manager XXXX XXXX he told he was able to lower my payment but never explained what kind loan was never. Looks like on the documents they went from a FHA to conventional loan. These types of things need to he explained and if you listen to the call. They were just trying to lower the payment and not thinking about what was in also the best interest of me and my home. XXXX was also aware what I wanted and could afford when speaking about the loan or we were not going to so the loan. She agreed she understood that the payment would only go up {$100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX without warning reported on my credit report false information, that I owe XXXX XXXX, $ XXXX.and XXXX collection agency called for the sum of {$XXXX} which I paid half like a dumb, without receiving any letter, just phone call from XXXX XXXX ( something like that ) because I was scared for my credit report. As XXXX XXXX did to me without warning, letter, phone calls,, which is a shocked to me, as they are ruining my credit score. 


I tried to call them and told them I switch to XXXX, from both companies, since the contract with XXXX was over and XXXX  was too expansive so as you switch they could not charged me anything except for one XXXX that I already paid more than {$XXXX} since XX/XX/2016 to XXXX, plus all the charges, fees, etc with a total of {$XXXX}. 

It is a nightmare to switched! 

Even XXXX was a nightmare as they promised to pay the final bill but they never did so i terminated my contract for lack of network, thank God I knew that now, but still, XXXX never returned one of my devices, nor paid me, and never fulfill their add promised, with switchXXXX!!! That is why I am in a mess today with XXXX and XXXX. 

But as I switched, XXXX  and XXXX, could not continue to charge me, as I do not owe them anything its the reverse for XXXX, and XXXX these tremendous amount of money. 

I called XXXX, XXXX, to tell them I switched, but XXXX said that my contract was signed under a lease, either I returned the devices, either I pay. 

I answered I did not signed a lease, I sign a buying contract, so if your agent made me signed something else she is a fraud, and you need to find her to pay you! 

Also I should had terminated my contract a long time ago ... since the law permit consumer to terminate any contracts who does not have any network, as their network tower was not working with any of my phones, as XXXX.So I had to use WiFi, for 2 years   not knowing I could stopped my contract with XXXX. 

So you are the one who owes me $ XXXX+ ( XXXX ) No they still say the same thing over and over. I wrote to the XXXX XXXX XXXX XXXX XXXX, and his son, but they doesn't read their emails, since its a false email, but their agents does, and call you. 

Which again is a scam and a rip off, from XXXX. Cant believe the CEO as an automatic answer, saying he will help you etc. No, its all false. 

So I need help please to get back my credit report clean by XXXX XXXX XXXX, who reported false information without calling me first, writing to me first, like XXXX    to all my 3 credit report. I want to Sue all 3 companies to make false promises, false contract, breach of contract, ruining consumers credit report, etc : and I want all my money back! How can you help us? Thanlks 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