BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-31
Company: Avid Acceptance, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had this loan for about 2 almost 3 years my income changed around XX/XX/XXXX and had issues keep up with the payments. that's when the calling and emailing started they would contact me every hour by email and phone about my account I told them over the phone and by email they they no longer have my permission to contact me by my cell phone or email. I told them they can correspond by mail. they stopped for about 6 months and began to call my cellphone again around XX/XX/XXXX leaving messages for my husband when I told them not to call my cell it was distraction at my job. I had not gotten anything in the mail for the last 3 months. I've tired calling but the line disconnects each time a associate comes on the phone and they continue to call my cellphone leaving messages for my husband when they have is number leaving voicemails on his cell as well. When I asked to refi my loan when my income changed they refused.

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 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, There is an account that was opened under my name without my consent and I have it attached. I want it to get remove of my credit report. I contacted FTC also.Thank you for your help in advance.

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 2017-07-25
Company: Experian Information Solutions Inc.
State: LA
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 disputed all of my Inquiries on my credit reports fr om  XX/XX/XXXX  and  XX/XX/XXXX  and th ey did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them.     The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance  C. C. Employment D. D. Court O rder

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 2017-08-23
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was denied a savings account per email they had sent to me as of X/XX/2017 at my XXXX. 

They denied me a savings account they said due to not being able to verify my identity. The questions except for one pertained to me. The questions asked to verify me had nothing to do with me personally and were mortgage or debts or loan questions pertaining to my deceased relatives. 

I feel the questions were unfair as they had nothing to do with me and thus was denied a savings account with FNBO 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 2022-06-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, 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 pulled my credit report recently. I did not consent to authorize nor benefit from these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX proper documentation to transunion on XXXX XXXX & also on XXXX XXXX. To remove fraudulent credit inquiries they are stating the documents sent XX/XX/XXXX was to blurry to so I resubmit the document on XX/XX/XXXX which I can provide proof that I sent it and they stalling saying the havent received to resubmit it

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 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 disputed all of my Inquiries on my credit reports from XXXX and XX/XX/XXXXand they did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them. The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance C. C. Employment D. D. Court Order

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 2017-07-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
after living in a complex for 12 years, I made them aware that i was in the process of purchasing a home, i gave the proper notice of intent to vacate. upon doing so at the time i was turning in my keys i asked to do a walk through and gave my forwarding address and at which time the asst mgr stated he didnt have time to do the walk through. after i had moved out a year never received no correspondence pertaining to if any charges, upon checking my credit report after a year, i noticed a charge of XXXX for apt complex, i disputed it with the collection agency as well sent the complex notification and they sent a print out of what they said was owed which drop from XXXX to XXXX i then proceeded to ask what happened to my security deposit that was kept in an intrest bearing account, i asked them to calculate how much interest did it earn and give me a break down of such. after i sent notice to dispute, they contacted my Son sending him the same document with my name on it stating that it was his debt and placed the same amount on his credit report as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 VICTIM OF AN IDENTITY THEFT, AND I DECIDED TO TAKE APPROPRIATE STEPS AND HAVE THE BURUE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. FINALLY I CAME ACCROS THE CIVIL CODES FOR CONSUMERS AND PER FCRA 605 B IT CLEARLY STATES THAT THE FRAUDULENT ACCOUNT MUST BE REMOVED/BLOCKED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THE IDENTITY THEFT REPORT. I ACTUALLY GOT ON THE WEBIDE OF THE FAIR TRADE COMMISSION AND FOLLOWED STEP BY STEP. ONCE THE REPORT WAS COMPLETED I FINALYZED IT AND SUBMITTED THE REPORT TO XXXX AND WHEN I CALLED XXXX I WAS TOLD THATH THE FORM IS NOT COPLETED CORRECTLY. WELL I BELIVE THE CIVIL COURT IS HIFGER THEN XXXX OR ANY OTHER FINANCIAL INSTITUTION, WHAT IS THE POINT OF HAVIN THE GOVERNMENT OR THE CIVIL COURT IF EXPERIAN IS THE ONE WHO DECIDES WHICH ACCOUNT TO BE REMOVED OR BLOCKED.

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 2022-01-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following accounts are inconsistent and only show on my Equifax and XXXX consumer reports. These accounts are showing with my consent and I never gave anyone permission to placed these accounts on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX Attorney GeneralXXXX contacted the attorney generals office and the courts and they stated that they do not report to any credit bureau. They do not place personal information on your consumer report. 
XXXXXXXX XXXX XXXXXXXX Consumer Law states that these companies have to have permissible purpose and consent from myself the consumer to place this alleged information on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

Account address ID # XXXX, has violated my rights and is incorrect. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

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 2022-01-22
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following inquiries should not be on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX need to be removed. 

Transunion XXXX XXXX XXXX XXXX need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XX/XX/2018 - called XXXX XXXX to check on status of my income-driven repayment plan application. I was telling the man from the department of IBR that I submitted my application on a date different than what he told me and he became rude and short. I told him I understood the system said one date but I knew I had submitted it prior to that. He kept reiterating to me that he was correct and I was wrong. While it seems insignificant, and it largely is, this is not the first time I have had issues with customer service. On a date that I cant recall, I called and the man I spoke with was very demeaning about the questions I had regarding the process of finding out when my loans were due and IBR. 

I have currently been waiting since XXXX for all my loans to be placed on one IBR plan. I submitted my first application in XXXX and was told all my loans were on the same IBR plan. Somehow, they were all removed from that plan and I had to resubmit my application. This time, only part of my loans were placed on the IBR plan and most are not to my understanding today. 

I have been trying to secure a loan for a house and need my billing statements. I have called numerous times and have gotten the same answer, that my bill is not due yet and I have to wait until my IBR plan is approved. My first payment was supposed to be due XX/XX/XXXX, but because of XXXX XXXX delay, my first payment is XX/XX/XXXX, and that is only for part of my loans. While this seems nice for some people, it is hindering my he-buying process and is causing a lot more trouble than good. 

This company has been nothing but slow and unresponsive, not to mention has rude customer service

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: VA
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 complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Exeter Finance Corp.
State: TX
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:
Inquiries are showing more than once on my credit. Some of which I do not recognized. XXXX Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have requested that XXXX and XXXX remove an account that Transunion had removed from my credit report, and XXXX and XXXX did not respond and/or they claimed the account will remain on my report. I asked XXXX and XXXX for verification and they did not respond, and the inaccurate accounts still remains on 2 out of 3 of my credit reports.

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 2018-02-16
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a home loan in XX/XX/2007 with XXXX XXXX this company went bankrupt and my loan was sold to Caliber Home and at some point I applied for a loan Modification and was refused. well the loan was modified and the payment went from {$800.00} to {$460.00} and the loan was rewrote. and then Caliber sold my loan. I have been trying to get a copy of the signed loan modification. I had a fixed 9 % and now it has changed to a 12 %. 
This loan has been a Nightmare from the start. I have called every one I know to call. 
I have paid on this loan of {$70000.00} for 12 years and now owe XXXX the home is a 16 year old double wide and is not worth what the loan amount is and know one will redo or touch this loan  because the loan is a mess I cant afford a attorney so I am trying to do the leg work on my own. Please help me to get the correct documents. 
the loan is now owned by XXXX XXXX , XXXX. 
when the loan was wrote they are some eras in the loan and I cant get anyone to talk to me.I have never missed a payment and XXXX is now collecting the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter, Dated XX/XX/2019, from a debt collector falsely stating that, I owe {$730.00}. This is not my debt. I informed the debt collector that, I am represented by a Law Firm, regarding the alleged debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Again i've went time and rime again over these negative remarks on my effecting my score. This has been really frustrating for me please help its been far to long for this.

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 2022-06-12
Company: Risecredit, LLC
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:
Account was deleted in 2017. Now its appearing on my XXXXXXXX XXXX XXXX  The account shows {$5000.00}. It shows Im late on payments when the account has been closed for almost 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
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:
I have submitted multiple disputes with Equifax in regards to certain accounts on my credit report. Each time, they have failed to furnish verifiable proof of these accounts belonging to me and yet, they have failed to remove them. Per Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification the validity of the accounts they are reporting, yet they have failed to do so. Equifax admits that their disputes are all done electronically and that creditors and credit furnishers respond to disputes electronically also. Yet, they do not admit to having the verifiable proof that these accounts ever existed or were ever opened by me. They have failed numerous times to positively verify these accounts, further, Under the FCRA, unverified accounts must be removed if they are unable to provide a copy of verifiable proof. 


I have communicated this to them via letters and over the phone, and they still failed and refused to remove the accounts I mentioned numerous times. 


In my last dispute, I have also provided verifiable proof that late payments that they updated my credit report with never occurred, and they failed to update my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Kimball tirey & st. john LLP, Had initially sent a wage garnishment to my employer, they garnished it and the amount on the wage garnishment was paid off. They are now trying to collect initial interest they claim is owed because they mistakenly left that out. My initial wage garnishment was paid and I was told that is all I needed once it was done I would receive the release and they would reflect it on my credit report. This has not happened and they are now trying collect more. My payroll department thinks that this is wrong and is concerned that they are collecting fraudulently. On top of that the I 've spoken to several people there that have falsely stated that they are attorney 's and when I 've researched them they are not. I am questioning their practices as is my employer. As my employer has had several wage garnishments from them for other employees and they have done the same thing to the other employee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A letter demanding proof of an alleged debt owed to XXXX  XXXX ( account Number XXXX ) was submitted to Portfolio Recovery on, or about, XX/XX/XXXX. I later received a generic response indicating that the alleged debt had been " verified '' and was being reported to XXXX. 
Portfolio Recovery reports that this account was opened on XX/XX/XXXX. In fact, Portfolio Recovery is attempting to collect a debt that has long since passed the statute of limitations for collections- that being 7 years. 
Portfolio Recovery did not provide proof of the debt, nor did it provide payment or account histories, as requested. Portfolio Recovery does, however, continue to inaccurately and illegally report this " zombie '' debt as a " fresh '' debt.

Company response to consumer: Closed with explanation