BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed a home loan with Caliber home Loans in XX/XX/XXXX ( first mistake ). On XX/XX/XXXX we get a notice that our ACH has been canceled and in a separate envelope, we had a mortgage statement asking for a payment. I called Caliber ( spent 9 min getting through all their prompts trying to get to a live agent ) and inquired about our loan status and ACH. Our account online shows as active and the next payment is due XX/XX/XXXX ( which has me confused since they just mailed me a statement asking for payment ). Additionally - our online account with Caliber shows no indication the loan has been sold and will still allow extra payments. I was then told ( by the agent ) they are sending me a check ( in about a month ) for our escrow balance and I had to figure out what to do with that money with the new mortgage provider XXXX? I understand loans get sold but we have had no communication related to the sale, our online account with Caliber is still active and allowing payments, no clarity on why escrow was not transferred over and we have no information or communication from this new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Caliber Home Loans, Inc.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Iv been trying to get caliber home loans to get my property taxes paid since XXXX. Iv contacted them every week since and they keep claiming they have been trying to contact the tax department for my parish. But I have no issues getting ahold to them. I pay a specific amount monthly to my escrow to cover my property taxes. If its not paid by XX/XX/2021 my property will go to the tax sale

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Experian Information Solutions Inc.
State: FL
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 following accounts are fraudulent XXXX XXXX {$960.00} XXXX XXXX   {$440.00} XXXX XXXX {$540.00} XXXX XXXX {$4600.00} XXXX   {$1700.00} XXXX XXXX {$220.00} XXXX  XXXX {$77.00} XXXX {$150.00} XXXX XXXX {$690.00} XXXX XXXX {$590.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX {$53.00}

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 non-monetary relief
Consumer complaint received 2020-07-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
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 have a loan with USAA SAVINGS BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and USAA SAVINGS BANK with no successful resolution. XXXX  and XXXX  are reporting me late. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a mobile deposit of of my XXXX 401 ( k ) Required Minimum Distribution check ( {$22.00}, XXXX ) to my Bank of America checking account on XX/XX/2020. I received notification on my BOA app that the funds would be available on XX/XX/2020. I next received another notice that there was a " Deposit Hold and the amount ( {$22000.00} ) would be delayed and available on XX/XX/2020 at XXXX. '' I telephonically contacted BOA on XX/XX/XXXX and complained about the deposit hold. I was asked by the customer representative, " Why do you need the money? '' I responded that it was my money. She told me the hold on the funds was for my protection and that of the bank in the event the check didn't clear, etc. I informed her that the check was from XXXX and not some third party check and additionally all these transactions are conducted electronically and not by mail. After being on hold for about 15 - 20 minutes she advised she had good news and had been able to release the hold and I would receive the funds on XX/XX/XXXX. 
I'm making this complaint not to resolve my situation but to make you aware of a banking practice which I believe is certainly unethical and possibly illegal. The bank has an obvious financial interest in not releasing these funds for as long as possible. Since I'm a XXXX XXXX XXXX and my wife is a XXXX XXXX XXXX XXXX, we had the expertise and experience to understand that this practice is not only unacceptable but possibly fraudulent. There's no telling how many unwitting customers are being deprived of their own funds because they may not have the aptitude or cognizance to complain to the bank.

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 monetary relief
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: SC
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:
Experian has in several occasions violated my consumer rights of accurate reporting despite certified mailings, online disputes calls to speak with live agent. They have even lied and said they have not received my certified mailings. 
They are reporting inaccurate name, address, balance, date of loan, date of charge off and repossession. Despite what they have been given by XXXX XXXX  there jobs is to find the burden of proof and report or remove inaccuracies what they have done is based off my disputes corrected my name and address and not investigated my other requested disputes. I have received a letter From XXXX XXXX on there own letter head and from a person in manage burden of proof showing incorrect name, address, and year of debt. I have submitted this info for the last time so it maybe deleted per my consumer rights! Which experian continues to violate. I have exhausted all pleas to remove NOT update ongoing false and inaccurate information. They know I have been a victim of fraud and have provided them with accurate personal information which would of helped resolved this ongoing issue. It has caused me unnecessary stress along with ongoing medical issues in which prompted me to try to resolve this issue for the last few months XXXX XXXX XXXX has reported to CFPB they have informed experian to remove the account from my credit report and experian has updated it as accurate again proving they are in violation of the law and have not complied with fair reporting practices

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 2020-06-27
Company: EQUIFAX, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX, last 4 of social is XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX KY XXXX, DOB is XX/XX/XXXX and I authorize the Consumer Financial Bureau to submit this complaint and act on my behalf against Equifax Information Services, LLC. On or about XX/XX/XXXX, I requested Equifax verify or delete the following accounts : XXXX XXXX   Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX   Account Number XXXX I attached my proof of address, social security number, and drivers license as required Equifax sent a reply letter back stating that I did not provide sufficient identification, that letter is attached to this complaint. 

I sent another letter challenging that I did provide sufficient identification, and again provided identification. Equifax then said they were unable to locate a credit file for me. I then attached my equifax credit report to that response, and the identification required. Equifax then sent another response, more than 60 days later, stating that I did not provide sufficient Identification. I responded, attached my credit report again, and the identification, all of which is attached to this complaint. I intend to file suit in federal court if the items in this complaint are not immediately deleted for failure to verify under the Fair Credit Reporting Act upon receipt of this complaint, in damages in excess of {$75000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: BANKERS HEALTHCARE GROUP LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Bankers Healthcare Group, Corporate Headquarters, XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX XXXX I have received several letters offering working capital loan up to {$250000.00}. The letters includes a user name and password to activate this loan. This leaves me vulnerable to someone else activating the loan and identity theft. 

I sent a letter XX/XX/XXXX to the above address requesting removal from their mailings. I have since received letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX with user name and password. 

Based from on-line comments concerning this company I am very concern about identity theft. 

I am retired and have no interest in a loan. I am tired of multiple loan letters especially with user name and password, with risk of identity theft. 

I am also irritated that my letter of XX/XX/XXXX was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
As of this month, XX/XX/2018, a Fraudulent/Unlawful Collection Account from XXXX XXXX XXXX was placed on my Experian Credit Report { See Attached }. On XX/XX/2018, I filed a complaint, through the Consumer Financial Protection Bureau ( CFPB ), to XXXX XXXX XXXX { See Attached }. The company responded back, stating that they are having this Collection Account REMOVED from my Credit File { See same Attached CFPB complaint }. This is the Second Fraudulent/Unlawful Collection Account placed on my Credit Reports since XX/XX/2018, within a six month period. I have already had the first Collection Account from XXXX XXXX XXXX removed. In this day and age, with Identity Theft booming, I [ the consumer ] would think that the Credit Reporting Agencies would have stricter screening processes before allowing NEGATIVE INFORMATION, like Collection Accounts, to be placed on Credit Reports. I have a Credit Lock or Credit Freeze on all three of my Credit Reports, but I am still receiving Fraudulent/Unlawful Collection Account Information. As of this date, the XXXX XXXX XXXX XXXX Account is only showing on my Experian Credit Report ; but I am also sending this CFPB complaint to XXXX and XXXX Credit Reporting Agencies for a HEADS UP!!!

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 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX appears on Transunion credit report as verified and updated. 

However, this account is reporting inaccurately and Inconsistent under the FCRA. 

Account reports inaccurate balance, original creditor XXXX XXXX XXXX  reports a credit limit of {$450.00} while debt buyer reports a balance or credit limit of {$980.00}. this information is inconsistent, and inaccurate. A violation of FCRA rules section 1681 Account reports inconsistent, misleading and inaccurate name of business address and phone number a violation under section 1681 fcra.

Account does not accurately report last date of payment. A violation of FCRA rules section 1681 Account does not appear on either XXXX  be or XXXX this reporting is inconsistent and the violation of fcra rules section 1681.

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 2020-06-27
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Got frauded in XX/XX/2018 They caught the fraud told me then closed my account i sent them the stuff they asked for .It wasnt me .They never tried to comply. About whi did it just wear it was done on XXXX XXXX.from a hacker .need this matter resolved so i can have my credit card back or new one sent.

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 2019-03-24
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:
I spoke with than bank in regards to a late payment reflecting on my credit report. I have had this account for years always paid on time and this particular month I was not able to make payment online do to technical error. unfortunate the payment was reported late after speaking to a representative i was told this would be updated as on time payment with the credit bureau and that never occurred. i tried disputing the late payment with the credit reporting agencies and it kept coming back as verified however i do not believe anything was ever done. i requested to see proof and nothing is ever provided. i am requesting that my report get updated asap to reflect on late payments as the creditor agreed to over the phone back in XX/XX/2018.

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 2018-10-17
Company: AES/PHEAA
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I own and am responsible for a substantial amount of student loan debt. The burden of my debt is held by XXXX XXXX. I am a full-time XXXX XXXX  at a XXXX, XXXX XXXX  in XXXX Montana. I am attempting to participate in the Public Service Loan Forgiveness Program. Although I have been told countless times via phone conversations and through written correspondence that my loans are now consolidated and held by XXXX ( the last of which I know to be true as I make monthly payments to them ), I have been waiting for more than a year to hear back on which of my payments count towards the necessary 120 that need to make in order to receive forgiveness. I have had multiple attempts to contact XXXX and PSLF representatives and have received nothing other than, " what you are doing is right, your paperwork looks good, we do not need further information from you at this time. '' When I query them as to why I have had to wait so long to see how many qualifying payments I have made thus far, I am told, " It just takes time. '' When I state that some of the first paperwork I received from XXXX after they pulled all my loans over and made themselves my servicer was that it would take up to 3 MONTHS to get notice of what payments qualify for PSLF, they sit in silence on the other end of the line and offer no further guidance. Immediately after becoming my servicer, they put my loans into a forbearance state with no explanation. I received correspondence via mail thanking me for MY choice ( which was never mine ), saying that I had authorized this. They do not have my signature on anything stating this was okay. 
I am hindered in my life choices by my student loan debt. I take responsibility for my XXXX,  XXXX XXXX   childhood. I have worked unbelievably hard to pull myself away from all of that. My present and future life choices were meant to be relieved of the burden of this debt for the dedication I have given to raise myself from poverty and for the determination I have to continue to keep away from it. Now, this program has become a punishment and I am made to pay all over again for the mistakes of my family, of myself. I should not have to settle for average, for " barely scraping by '' when, given an opportunity, I could be extraordinary. I want to fly, I want a life unencumbered by the student loans that suffocate me, I want the American dream. This program was supposed to be the springboard to those next steps. Without it, how can I help Make America Great Again?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: FL
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 found accounts in my credit report that I do not recognize. I do not jnow these accounts and I ask you to remove them as soon as possible. I can not have them in my profile before I apply for a mortgage. 

These are those fake accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a collection of a debt notice by regular mail on XX/XX/XXXX from PMKP File # XXXX. I mail them a validation letter on XX/XX/XXXX ( see copy ). 
Kilma, Peters & Daly sent me their response to that on XX/XX/XXXX, which I received on XX/XX/XXXX, from my landlord. 
However, Kilma, Peters & Daly file a lawsuit in the District Court of Maryland for XXXX XXXX on XX/XX/XXXX before I had my 30 days to review and respond to their validation. 
The validation process specifically does not allow notification of third parties, especially credit reporting agencies before the validation process is complete. 
My landlord was served a summons and presented it to me on XX/XX/XXXX. This did not give me thirty days to review and respond to their validation claim. 
I also received a letter from another attorney, XXXX XXXX, notifying me that I had been sued by XXXX XXXX and offering his services. 
This collection process was abused on the above information. 
Thank you for being there for the consumer and your attention to this matter. 
Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing this debt for nearly five years. I do not owe this debt and hold a current court order showing that I do not owe this debt. Despite my many attempts to tell the original creditor and this collection agency that I am not responsible for this debt, the original creditor directs me to the collection agency and they still continue to falsely report this as my debt owed with all credit bureaus. 

I took matters into my own hands and tracked this vehicle by VIN # and sent paperwork with the website XXXX that proved this vehicle was sold in an auction and profited from the sale. I sent the sales listing for the vehicle from XXXX XXXX XXXX in Virginia - I have never been in Virginia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
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: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: The CMI Group, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief