BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: Auto Credit Corporation of Jonesboro, iNC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
auto credit jonesboro - reporting car as repo when my car was stolen in XX/XX/XXXXwhile i was out of state. i contacted them and my insurance company XXXX. my car was found two weeks later when i was contacted it was found i let my insurance company know and left message with finance company every step- of the way what was going on. my insurance company told me they were going to move the car to a storage free place and have it looked at to determine damages. insurance company deemed it total loss. i had full coverage and gap i called left message with finance company. the next thing i got and only thing i received from the finance company was a letter stating they sold my car and that i owe the difference. the fiance company has reported car as repo when the insurance company had the car. i do not owe this and my car wasn't repo if so how did they do this unless the insurance company and finance company did something illegal also the finance company contacted gap got money from them also isn't illegal if a car was repo for a lender to action off without notify owner of when and where such transaction is to happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: ENCORE CAPITAL GROUP 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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
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: Account status incorrect

Complaint:
Equifax has continued to report inaccurate information on my credit report. I have two accounts that were discharged in bankruptcy and for the longest Equifax reported the accounts as opened with one account showing a {$57.00} balance and the other account showing a {$350.00} balance. After dispute after dispute equifax finally updated both accounts as " in bankruptcy '' and not " discharge in bankruptcy ''. They also continue to report both accounts as open accounts without showing a XXXX balance. I opened up a dispute on XX/XX/XXXX for equifax to update information or remove accounts from my credit report. I was told that I would have my results by XX/XX/XXXX. I noticed the accounts were still reporting on my credit report with the same information and also still showing in reinvestigation. I called Equifax to check the status and was told that I reopened an investigation on XX/XX/XXXX, so I wouldn't have any results until XX/XX/XXXX. That was a lie I never called or spoke with anyone from Equifax on XX/XX/XXXX. 
I was told that information by XXXX ( XXXX ) Id number XXXX XXXX office/officer of consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: JPMORGAN CHASE & CO.
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: FAIR COLLECTIONS & OUTSOURCING, 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 information incorrect

Complaint:
This account is showing inaccurate terms of 1 month. I demand proof of have any 1 month agreement with this company. The FCRA states that all information must be 100 % if its reported to the CRA and this case there's NO proof nor verification that I myself and this company made a 1 month agreement. Please send PROOF/Verification of this being 100 % accurate.

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 2019-09-07
Company: GREAT LAKES
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
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: Account status incorrect

Complaint:
Please know that I was not late sending my payemnts to ..I wonder why Experian report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix 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 2021-07-14
Company: AES/PHEAA
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who DEBT RECOVERY SOLUTIONS , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. DEBT RECOVERY SOLUTIONS , LLC is indicating that an account with the account number XXXX, XXXX, XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized DEBT RECOVERY SOLUTIONS , LLC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who DEBT RECOVERY SOLUTIONS , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. DEBT RECOVERY SOLUTIONS , LLC is indicating that an account with the account number XXXX, XXXX, XXXX and was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to DEBT RECOVERY SOLUTIONS , LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 

Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAPITAL ONE BANK USA N is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2018-11-28
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This property is a part of an Estate, the homeowner passed away and with all of the confusion she did not or they could not find a Last Will and Testament. 
They had to go to Surrogate 's Court and they did. the property in question now that has a sale date for XX/XX/2018 @ XXXX XXXX XXXX XXXX , XXXX , New York XXXX never received a Summons or Complaint, Never received a Motion or Judgment or Foreclosure Notice. The only document they received was A Notice of Sale on XX/XX/2018. Caliber has a rule that if you are requesting a Loan Modification it must be submitted 37 days before the sale date? 
They were not even given a Thirty Day Notice before a sale. We are asking for help in this situation. We called Caliber Home Loans to request help they refused. 
They have not served or notified anyone concerning this property until the XXXX of XX/XX/2018. We contacted the attorney representing Caliber /the investor The XXXX XXXX XXXX XXXX XXXXXXXX as Trustee for XXXX XXXX and they have no information except the sale date. of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Troy Capital, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a judgement on me from XX/XX/XXXXvia XXXX XXXX. Who is now Troy capital. I did not know a bout this and had a closing scheduled on a piece of property in sc. Which was brought to my attention. I could not close due to they would not settle with me. I had contacted the attorney in sc who gave me a a pay off of XXXX Dated .. XX/XX/XXXX.. Then i get another attorney with the same judgement ( transferred to Tennessee ) and they would budge off their total. {$8600.00}. REFUSED to take lesser amount. 

1 Troy Capital is not the original debt.. it was XXXX. 
2 they held up 3 other loans from being paid due to their stance on this. 
3 2 different amount from 2 different attorney for the same debt. XXXX dollar difference in the SAME MONTH.. 
4 original debt was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: IN
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 provided Equifax and XXXX with copies of the court document showing proof the Judge granted the Judgement in my favor. Equifax and XXXX have contacted the collection agency twice to verify the account. The did not contact the court involved and verify the information proving the Judgement was in my favor and this item should be removed from my credit reports. I filed a complaint with CFPB on Equifax less than 30 days ago and they till verified with the collection agency rather than the courts. They still refuse to remove this collection from my report. This is the first report with XXXX. XXXX has removed the item as they verified the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-11-27
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX DELAWARE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I switched payment schedule from mail to direct deposit and the company has me 30 days late which is incorrect.

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 2020-02-17
Company: BARCLAYS BANK DELAWARE
State: NV
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:
On, XX/XX/2019, I noticed that there was an account that was reporting to my credit that I had not opened or authorized anyone to open in my name. I contacted Barclays via mail with no response from them initial. It took SEVERAL attempts and SEVERAL phone conversations to have someone in their fraud department look into this account. I received Barclays response, dated XX/XX/2019 a few months later, stated that I was not responsible for the fraudulent account. 

I noticed that Barclays still had the inquire on m credit report from when the fraudulent account was open. Im not responsible for the account, so I'm not responsible for the inquiry one would think. 

I sent a SECOND request to Barclays asking for the removal of the inquiry to be removed attaching the letter they sent absolving me of the account. Barclays response was very auto generated since they would've seen the account notes, Im assuming.

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 2021-08-06
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this as identity theft. Caine and Weiner have no rights to my privacy. Yet they, stated, meets FCRA requirements. They received my information without my permission. Where is the proof I signed over permission for them to access my information?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: ENCORE CAPITAL GROUP 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 information incorrect

Complaint:
This account is showing inaccurate terms of 1 month. I demand proof of have any 1 month agreement with this company. The FCRA states that all information must be 100 % if its reported to the CRA and this case there's NO proof nor verification that I myself and this company made a 1 month agreement. Please send PROOF/Verification of this being 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Advance Bureau of Collections
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:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Company inaccuratley reporting on credit report. Refuses to update payments. Cousomer Service veey rude states will not discuss actions taken to fix. States special rules with my account and will only comnunicate via mail for my account. Advised to send email only and emails were exchanged. 
Company is retaliating for having filed a complaint. 

Information from XXXX XXXX accurate and is updated in minutes of any action on my report. Company continues to yo yo around with my credit amount originatikn amount and now my payments.

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