BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: LoanCare, LLC
State: OR
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:
My credit report was pulled multiple times by my previous loan officer- XXXX  XXXX without my consent. I initially gave consent the first time she pulled my report. After that, she continuously pulled my report without notifying me or asking if she could. When I discovered she had done this around XXXX times, I confronted her. She said she would ask for the credit pulls to be revoked. That was in XX/XX/2020. It has been 4 months and none of the credit pulls that followed the first pull have been removed from my report. This is a gross misuse of my personal information and credit report! I should not have to be worried about my own lender sabotaging my credit. 
Furthermore, I would like to report immoral business practices. I was originally contacted by XXXX, she said she was with my companys retention department and that I qualified for a lower interest rate. She did not disclose that I would have to PAY to qualify for a lower rate! Instead she waited until it was time to sign papers and I saw an exorbitant amount of fees being charged for points. When I approached her about this, she verbally abused and manipulated me saying how hard she had worked on my loan and that she isnt an hourly employee, etc etc. not only did she wait until this time to disclose this, it is my opinion that she also had me pay for my appraisal out of pocket in order to make me feel financially obligated to carry through this refi, as I was never given paperwork before the appraisal to go over the fees and costs to get the loan. 
Overall I was partially scammed XXXX {$750.00} for the appraisal ) and my credit report was also misused. 
Now, I have my loan in deferment and can not access my account. Their mobile app has not worked in weeks and their website just had me set up a secondary authentication with my phone number. When trying to log in after this, I would initiate the authentication text but it never comes to my phone! I am now locked out of my account. 
I was given paperwork with an email for the deferment department. I have tried to email it several times and it comes back that the server rejected the email or that the address can not be found! 
It does not seem like this company cares about its people and it does not seem like they are set up to actually help customers while in deferment!

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 2021-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Medical Data Systems, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$5500.00} MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$100.00} MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$300.00} MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$4300.00} MEDICAL DATA SYSTEMS Accounts Number : XXXX Date Assigned : XX/XX/2016 Balance Owned : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 placed an account in collections and used multiple Collection agencies in the attempt to collect via email/mail/phone/ credit file reporting all through XXXX, all without verifying the debt, I have disputed it multiple time always asking for the Original signed document as is my right, they were never produced nor was i asked to view them,, XX/XX/XXXX the still did not comply with originals instead sent copies with copy/pasted signature/altered documents and uttered a complete forgery all in order to validate a non existent obligation and extort monies not owed and the CRA 's are guilty of no adhering to FCRA by verifying the debt and only reporting 100 % accurate information

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 2021-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call today from a debt collector completely out of the blue about a credit card account which was closed in 2011. The woman that called failed to identify herself, and company. When I asked for information I was interrupted, threatened with a lien against my home & calling my employer to garnish my wages, and then she hung up on me. I called back as I felt threatened, she then dangled my personal identifying information as a threat against me to settle this debt which had not been previously disclosed to me in writing ( or any calls ). She then used threatening language in a derogatory manner, threatening me with legal action, when I requested documentation and time to investigate she refused, and said due to the length of time they didnt have to disclose any information to me & could pursue legal action immediately. I settled the debt with my credit card. She then followed up with some scammy documentation, and I am fearful of identity theft & cybercrime against me and my family.

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 2019-07-11
Company: Experian Information Solutions Inc.
State: MS
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:
I sent in a dispute letter asking Experian to verify my bankruptcy. They fail to properly verify my bankruptcy clearly in violation of the law. Law specifically states that the information must be verified from its original furnisher, which is the bankruptcy court. On my credit report it states that they verified it through a third party named XXXX XXXX. i have evidence that I freezed XXXX XXXX before the process started and also have a letter from the bankruptcy court house stating that they do not furnish information to third parties like credit bureaus.

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 2017-12-05
Company: Greyhound Capital Group LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On my background shows I was charged with a XXXX case I have taken this to trial and found not guilty of all charges and would like information updated .this information should not be considered in hiring me with in companies.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: PA
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting daily phone calls on my cell phone, from " Midland Credit '', a company with which I have never done any business. They have said that they have the wrong last name and I have never had any other last name, so why are they calling me??? 

I owe a little bit on my mortgage, no payment has ever been late. I paid off my car early, I do not owe anything to anybody - outside of my mortgage which I could pay off in an instant. 

I do not own Midland Credit - or anybody else - a XXXX. I want these calls to stop. 

Get these guys off my back!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: NJ
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:
I am having an issue with the way that XXXX XXXX XXXX is reporting my status on an active auto loan. I ran into a temporary financial issue at the end of XXXX that led to my loan being late for a few months. And as a result, my account did report late. I later recovered and caught the account back up by XX/XX/XXXX. The problems with the reported account status started, once the account was brought current again. As previously stated, my account was brought current again in XXXX. However, they did not update my account as current again until the month of XXXX. And since that time, I have continued to make on-time payments each month, but XXXX XXXX has only updated the payment history of this account through XXXX. I have now made eight on-time payments to XXXX XXXX since XXXX. However, XXXX XXXX continues to report that the account was still late in XXXX and XXXX, when it was not. And furthermore, the only way I can recover from the late payments with my credit score, is by re-establishing my good payment history. But XXXX XXXX just doesn't report them. I am now eight months removed from my last late payment, but on my credit report, XXXX XXXX is reporting that I am only two months removed from the last late. By erroneously reporting lates in XXXX and XXXX, combined with not reporting any additional payment history on the account since XXXX, it appears that my account was late just two months ago. Again, this account has been current for eight months now. XXXX XXXX was really quick to report my account when it was late. But for whatever reason, they now refuse to update my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  has refused to update the status of accounts despite me providing information from the creditors agreeing to delete tradelines. Inquires deemed fraudulent by two other bureas, XXXX refuses to acknowledge. Any conversation ends with the customer service representative hanging up and the dispute status online never updates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, Caliber Home Loans ( Caliber ) began servicing my loan on a new home purchase that I closed on in XX/XX/XXXX. 

In XX/XX/XXXX, my mortgage statement increased 40 % from {$1900.00} to {$2800.00}. I contacted Caliber to find out why this happened. I was told it was because of a new escrow analysis and that my taxes and insurance had nearly doubled. My taxes and insurance did not double. My taxes actually went down due to a homestead exemption, and my insurance remained the same. 

I later found out that the initial escrow analysis was done on a prorated basis due to me purchasing the house mid-year. Another contributing factor was the house being a new build, so property taxes were originally just assessed on land value and not the land value plus improvements. 

I work in the housing industry and after doing some inquiring, I discovered that the original escrow analysis was done incorrectly. Caliber should have taken into account that my taxes would include improvements into XXXX, and they should have estimated what my insurance and taxes would be for a full year when they began servicing my loan in XX/XX/XXXX. 

They did not. Instead, they expected me to make-up an escrow shortage they created by increasing my mortgage payment 40 % for the duration of XXXX. 

I've talked to representatives from Caliber on four occasions from XXXX to XX/XX/XXXX, and I also submitted an inquiry electronically via their website. They prorated my escrow shortage over 60 months, but I have told them that this isn't an acceptable solution. 

I've asked to speak with someone from their escrow department, but I was denied that request. I've asked to speak with someone more senior in their organization, and I was told that someone would call me. That call never came. They responded to my inquiry via their website and stated that my issue had been resolved. It hasn't been. 

At this point, my current mortgage statement isn't an accurate reflection of what I should have been paying all along had the escrow analysis been done correctly in the first place, and it remains more than I've budgeted for. Separately, I don't know what's going to happen when my property taxes will be due in XXXX, and my escrow account won't have enough to pay for them. 

I feel like I've exhausted my options with Caliber and reluctantly am forced to compel them to resolve this through this complaint process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I diputed the debt with Midland credit management and requested for validation but no proof rcvd till now I again diputed through XXXX but no resolution I got

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 TransUnion 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 TransUnion 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 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 non-monetary relief
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has submitted a debt twice the amount to my credit I gave disputed several times the amount is inaccurate XXXX insist and lie it is accurate no cell phone bill with all phones paid for can get to {$5000.00} they are scams and it shows they never sent or presented to me any bill close to the amount on my credit they have caused severe mental pain and anguish and the debt and their actions have caused me harm

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 2021-08-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It is factual and evident you the CFPB do nothing to protect us individually sine the same type of complaints are entered time after time with no resolution. Once again got an OFF SHORE PERSON who has complete access to my file and asked for my social security nber ... .fact. yet no concern. Secondly as with the other two credit bureaus XXXX  credit on my account and impacting my credit and I will not have an answer for a minimum of 30 days even though XXXX  never notified me of an attempt to collect their wrong debt on XXXX XXXX XXXX XXXX. NEVER HAD IT. ATTY TENERAL FLORIDA WORKING THE CASE. ACCT XXXX  Bal yet ATT EXEC OFFICE YET XXXX XXXX STILL PURSUES 1.5 YEARS LATER furthermore the sanecrefundebt comaibts opened with your agency languish unresolved for years holding us financially captive. FACT supported by complaints.

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 2021-12-02
Company: World Omni Financial Corp.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This company is in direct violation of the truth in lending act governed by regulation Z, the fair debt collection practices act governed by regulation F, and the trust indenture act. This company had my car taken for an alleged debt that they have yet to provide me with documentary evidence that I own them. As the consumer I dont agree with these terms in the contract and I have questions due to not being able to take the contract home to review the contract before signing. So I asked the questions? What was the security that was given? Who is the seller? Who is the creditor? is the creditor shown clearly and conspicuously? Is this a swap based agreement pursuant to 15 usc 77b-1? How is loan defined under the FDCPA? What proceeds did I receive from southeast toyota finance for the purchase of my securities? Can you show me where South east toyota signed the agreement making in valid between the the creditor and myself? Do you agree this is a contract? If this is a contract is it not a federal violation pursuant to 15 usc 1? What legal and lawful right do you all have to come steal what does not belong to you? How much was this swap agreement purchased for? Was your goal to liquate my estate to help increase your profits since we are under XXXX XXXX bankruptcy? What is a trust indenture? What law says that I have to pay an alleged debt? Can you send me a original copy of the credit application? Who much fraud do you all need to commit before you return my property and title.? What form of payment do you all accept for payment that is not listed pursuant to 18 usc 8? What specific personal information was used to open this account? What is my social security number used for? Was this purchased made for bailment? Can you define consumer credit contract pursuant to 16 cfr 433.1?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CONTRACT CALLERS INC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Last year ( XXXX ) I moved and turned off my electric service with XXXX XXXX. After receiving my confirmation email that my service had been turned off, I received no further communications from XXXX no emails, no phone calls, and no letters in the mail. So imagine my surprise when I received a notice from a credit reporting agency that I had an outstanding XXXX bill that had been sent to collections! I have now paid the bill ( {$100.00}, through the collections agency Contract Callers Inc., on XX/XX/XXXX ), but there is no telling how long it will take for the collection account to come off my credit report, if at all. When I called XXXX, all the representative could say was that they send final bills through the mail, which in my case was apparently not true. While I was a XXXX customer, I always paid on time, and it is infuriating to me that they would send me to collections without ever notifying me, through any form of communication, that I had an outstanding bill. This feels like the action of a scummy company, not a major utility, and frankly I have to wonder if there are any kickback deals happening between XXXX staff and the collections agency. 
I also never received a notification of the debt from the collections agency, but this could be because I had moved again from the address I provided XXXX for my final bill. If they did not receive my account until after my mail forwarding had ended, they had no way to contact me.

Company response to consumer: Closed with explanation