BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington purchased my home mortgage loan from XXXX back in XXXX and I have had nothing but issues since. I have never missed a payment and even pay early, but they have not applied my payments to my account and show me in default. I have called them 4 times starting back in XXXX and each time they tell me it will be corrected and nothing will be on my credit report. These are both lies as my account still shows I am behind on my mortgage payments when I am not and also they have notified the credit bureaus that I am 60 days overdue on payments. I have attempted to dispute these credit reports, but Carrington lies to them as well and tells them I am behind when I am not. I have bank payment records from XXXX proving this fact and also proof of receipt by Carrington. 

This is criminal and needs to stop as false reporting on your credit tanks your score, hinders your ability to find employment, purchase a vehicle etc. Now I will have to hire real estate attorneys and pay excessive fees just to fix a problem they have caused. They should not be in this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I was released from my job with XXXX XXXX XXXX and XXXX XXXX. At that time, I took advantage of the COVID-19 relief and went into forbearance on my mortgage with Caliber Home Loan. In XX/XX/XXXX, my forbearance ended, and I attempted to take advantage of the loan modification process afforded to me. Caliber Home Loans continued until XX/XX/XXXX to delay this. They kept giving me incorrect information and making me file unneeded paperwork in what I now see as an attempt to secure an interest rate more advantageous to their company. Instead of calculating my modification at XX/XX/XXXX interest rates, it was done at XX/XX/XXXX interest rates, which is a significant disadvantage to me. I made the three months of trial payments and complained and asked for help through XXXX of XXXX ; at the end of that period, my loan was passed to XXXXXXXX XXXX, who finalized my modification. This issue is brought up every month with them on a phone call. They have yet to respond and give me the one-month grace period between the end of the trial payments, not to make a payment as I had been part of the modification deal with Caliber Home Loans. In the end, I have been required to pay every month, and now my payments are almost precisely what they were before the modification. 

Caliber Home Loans has a complete record of my calls and documents. 

I am asking : 1 ) My loan interest be adjusted to the interest rates of XX/XX/XXXX as they should have been when I requested the modification on the COVID-19 Forbearance program. 

2 ) I am granted the one-month grace between the accepted modification and the payments under the new rate beginning. 

3 ) My late fees be removed from my account with XXXX as I am behind due to unfair and underhanded practices by XXXX XXXX XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My girlfriend applied for a capital one credit card and added my name to her application without my consent. I had no knowledge of this card until an alert was posted on my credit report. I do not use that card and it should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-07-28
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been on a journey of striving to rebuild my credit and I requested my credit report. There is where I found the debt for XXXX XXXXXXXX XXXX. I reached out to them because I have never been treated at the hospital or used ambulatory services for the hospital in question or ridden the ambulance. When I called to question the company about the debt they made it very clear that this debt was not made by me nor did I sign anything to be treated in there facilities. They said someone else could have given them my information such as, my child or family member and when I did not respond to a letter sent to an address that I havent resided in over a decade. The debt became mine. This is absolutely against the law. Please help!

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 2019-04-30
Company: Experian Information Solutions 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:
THE ACCOUNT DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE, PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE.

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 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I submitted XXXX complaints that were not resolved by Bank of America ( BOA ) or Consumer Financial Protection Bureau ( CFPB ). Here is the complaint again : Someone has been committing fraud using my name and personal information to create bank accounts at Bank of America ( BOA ). This fraud was started in XX/XX/2021. In the past several months, I've received notices from BOA claiming an account was opened and has been closed. One of the most recent ones had a monetary value of {$2000.00}. I have contacted BOA several times on the XXXX, and the phone disconnected several times. I went to XXXX of their local branches to dispute the issue with XXXX XXXX and was dismissed. Even more recently, a check was sent to me with an existing account I'm not aware of. Of all the banks I have had in the past several years, this is the first bank that has carelessly mismanaged my information and exposed me to identity theft. It's a frightening and unsettling situation to be in when someone can continuously open an account with your name for months without the bank taking any action.

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 2021-07-28
Company: Experian Information Solutions 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:
The companies involved is Experian, XXXX and XXXX. I recently request my credit report from free XXXX XXXX and it's a lot of aliases on my report, old addresses, phone numbers, old employment and inquiries that i never even made. The credit bureaus are reporting information that's not associated to my account. For instance, there's an address that's on my account that's 7 hours from my home address. All of these incorrect items are stopping me from getting a home, car, etc. I would like for the incorrect items on my report to go to it's rightful owner. The credit bureaus are using public record to look up my name and end up attaching someone else file to my credit report. Please investigate the negligence of the credit reporting agencies

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 2018-08-10
Company: Experian Information Solutions 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:
Disputed an account reporting fraudulently with a social security number variation on my personal credit file with Experian. On XX/XX/2018 I received an email notification from Experian saying my dispute was ready to be viewed. Experian states the dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. I am no longer able to dispute this account with Experian. I had a previous problem with identity theft last month and no choice but to file an IDENTITY THEFT REPORT with the FTC. As I am allowed to add more accounts to my IDENTITY THEFT REPORT I have since done so with the original creditor XXXX XXXX for putting this account and fraudulent social security number on my credit file. Since Experian will no longer all me to dispute this account I have to rely on CFPB to make sure they abide by the law. I have included my FTC IDENTITY THEFT REPORT and all required stated information in the 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: MI
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1 ) The last payment on this Debt is noted as XX/XX/2017. It is past the statute of limitations and should be removed from my credit report.

2 ) I do not recognize this debt and I have submitted a FTC report attached as well. I am a victim of identity theft and I filed a police report that is notated on the FTC report. Additionally, my identity was stolen in the XXXX data breach and the XXXX data breach. I also was notified by the IRS that my identity may have been used to fraudulently seek employment. Please remove this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Dynamic Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2021 : Dynamic Recovery Solutions XXXX called my employer and harassed me about a debt that I do not have knowledge of. 

I have asked them not to contact me previously, and now they are calling my workplace directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: MN
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3600.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX XXXX$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: NJ
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:
I disputed this with a XXXX because after the investigation, they said that it was verify through the courts and that the information was accurate, I contacted the courts, and then sent me a letter stating that they do not that they do not report to any credit credit agencies. Either way the reporting items do not comply with six 1115 USC 1681I

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 2021-07-28
Company: NCB Management Services 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:
NCB management services ( collection ) was included in my Chapter XXXX bankruptcy on XX/XX/2021. This bankruptcy has been discharged including this debt. NCB CONTINUES to report this account as open and derogatory. NCB can not legally collect on a debt discharged in bankruptcy they are violating my consumer rights and the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: TN
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:
I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I looked over my report and noticed unauthorized inquiries3 and I want them removed. 

XXXX XXXX from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX Capital One inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX  XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Reached out to XX/XX/XXXX to try to settle on debts that are listed on credit report, but hey claim they have NO RECORDS of any file with my name on it. They said the same thing when i called them back in XX/XX/XXXX. I have tried disputing it but have been unsuccessful. 

All i am asking is for this to be removed from my credit report as soon as possible, especially since they aren't supposed to be placing negative items on consumer reports during covid. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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:
Experian, XXXX, XXXX XX/XX/XXXX, I sent my XXXX and last dispute to all 3 bureaus via certified letters regarding information that is illegal according to the law- XXXX. There's MULTIPLE information ( false collections, paid acct 's showing contrary, false addresses, misspelling of my name, etc ) from companies that I've NEVER given permission to use my name, signature, etc to report to these 3 bureau 's. There's no contract with my signature to report from any of the information from as early as XXXX on back ; on my behalf. Today 's date is XX/XX/XXXX & there are OVER 56 inquiries & multiple false reports that I've constantly disputed to all three bureaus to no relief nor change! One great example is a 10+ year OLD closed bankruptcy that's FRESHLY reporting AS OPEN!

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 2023-01-06
Company: Bread Financial Holdings, 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 got an alert on my credit report that my address has been changed and a XXXX credit card was used to make {$3600.00} in purchases from online that I never spent. The bank wouldnt give me any information. They did give me a phone number associated with my credit card and an email address that was changed using their website. Someone has my social security number and logged into my account changing all of my information to make these purchases. I never received a bill nor did I make purchases. I filed a police report and sent it to the bank. They still said it was my debt! I need help. Someone has my social security number

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items 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 non-monetary relief
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: PA
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:
TO REMOVE IMPROPER AND INCORRECT COLLECTION ON MY CREDIT REPORT FROM XXXX XXXX XXXX. REMOVE IT. IT'S FALSE AND NOT TRUE!! SEE SUPPORT DOCUMENTS. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief