BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: Caliber Home Loans, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XXXX XXXX I received notification from my employer 's health plan that their database was compromised. They then offered me an ID theft protection plan. I checked all my records at that time and found nothing was affected.. When I went to file my taxes, I come to find out that my SS # was compromised and they took my tax refund. This was cleared up by the IRS for that year. Then in the midst of doing my taxes for the following year and secondarily at the request of the IRS an audit was requested. I come to find out that my SS # was used to get a vehicle loan in the state of CT. This was reported to the IRS and now they are requiring me to pay a tax penalty on this loan that I DID NOT report. In conjunction with my CPA and the theft ID program I/we have been attempting to get a letter from XXXX XXXX XXXX indicating that this is a fraudulent loan and that a letter is needed from them saying that so that I can turn it over to the XXXX XXXX of XXXX I have sent several letters and along with several phone calls have tried to get this resolved. They keep sending the information to the wrong address or they keep giving me the run around as to who to call, they never give a name of a person to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently filed some complaints, my information has been leaked to the dark web here a day ago I just hired and attorney to sue XXXX for damaging my credit and hurting me financially I have accounts I no my credit that does not belong to me and are fraud Im disputing these accounts as follows XXXX XXXX car loan, XXXX XXXX credit card. XXXX  XXXX credit card and XXXX XXXXl credit card and XXXX XXXX credit card.. I want these accounts removed off my credit I have filed a ftc identity theft report about these accounts, I also filed with the attorney generals office here in XXXX to help with the situation, I do have a lawyer taking this case to sue XXXX, my information has been exposed and has been used, so I want these accounts removed with no excuses because I have been treated rudely by people at XXXX, understand this has caused a lot of problems for me so please know I am providing evidence

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 2021-03-25
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been sending me letter trying to collect a debt that is to old to collect. 
According to the debt collection laws of the State of Texas there is a four year limit on debt collection from the time the last payment was made. The last payment on this account was made XX/XX/XXXX. Four years from that date would be XX/XX/XXXX. Here it is XXXX of XXXXThe account is through XXXX XXXX and it is in the amount of {$710.00}. I do have the bank statements from XXXX of XXXX through XXXX of XXXX when the account was turned into collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
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:
On XX/XX/XXXX, I received a mail from Fair Collections & Outsourcing ( FCO ) claiming I owned {$17000.00} to Creditor " The XXXX XXXX XXXX XXXX XXXX ''. I had identify theft on 2021 and I have reported it to Federal Trade Commission right after the theft happened.

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 2022-08-30
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: Their investigation did not fix an error on your report

Complaint:
Hello, I recently disputed inaccuracies with the CB. The credit reporting agencies stated that my accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requested to know all the steps your agency took to insure the items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.

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 2021-11-11
Company: I.C. System, Inc.
State: CT
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2017-04-13
Company: BB&T CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My XXXX credit report shows an unauthorized credit inquiry from BB & T Financial Services on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted each lender requesting removal, but my request was 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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX  XXXX  # XXXX, has violated my rights. 

XXXX5 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 a account without my written instructions Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX I have been disputing these charges/reports via credit karma since 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 2022-08-30
Company: Experian Information Solutions Inc.
State: AR
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 have sent numerous letter to the credit bureaus as well as attempted contact and have yet to recieve any details, response, update, or answers on the matter : The following accounts on my credit report are fraudulent and without consent : 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 2020-02-18
Company: Checkr, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I was denied employment last month because of wrongful info reported by Checkr background investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested a forbearance plan due to pay cuts at my current company via the covid 19 pandemic. 
I received a letter that I would have to come up with the complete lump sum after the forebearance period is over, however my loan is an FHA loan and according to the FHA, they can not demand a balloon payment after the forbearance period is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I submitted a mortgage application with a mortgage banker, XXXX XXXX, who works at the XXXX XXXX Branch of BMO Harris Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ). He mishandled the application so badly that we would have been unable to close on our home at the already agreed upon date. As a result, we withdrew the application and secured a mortgage through another bank. The current issue I have is that XXXX XXXX and BMO Harris Bank ( including his supervisor, XXXX XXXX, and the branch manager, XXXX XXXX ) refuse to return my {$490.00} application deposit. As unprofessionally as my application was handled, at this point, I simply want my money back.

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 2022-08-30
Company: EQUIFAX, INC.
State: AR
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX  XXXX  # XXXX, has violated my rights.

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 a account without my written instructions Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX I have been disputing these charges/reports via XXXX XXXX since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my mom a new vehicle, and the car salesman told me my credit score was low. I told him to show me my score and report. There are items on my credit that do not belong to me. These items need to be removed. 

XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$60.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXXX {$60000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX   XXXX {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: MI
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:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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 a credit inquiry from a fraud ( they applied for a credit card with my info ) and I reported this to Capital One and to XXXX and Capital One did not remove thnis from every credit bureau. I still see this on some reports and it needs to be removed. I proved it was fraud and I have my credit frozen because it might be apoaring onn the dark web, this has happerned 2 times this past year in which I reported the fraud and I was also notified because I have warnimngs set. This 2 hard inquiries need to removed of all credit reports. please help me and take care of this, thank you, Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, 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:
My information is being used by someone else to get unsecured credit loans and cars and it is devastating my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My information is being used by someone else to get unsecured credit loans and cars and it is devastating my financial life.

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 2018-05-06
Company: Navient Solutions, LLC.
State: IN
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:
XXXX XXXX XXXX To : FSAOperations XX/XX/XXXX at XXXX XXXX   XXXX XX/XX/XXXX at XXXX XXXX To the U.S. Department of Education ; I seek loan forgiveness ( discharge ) based on borrower defense to repayment. 
Currently I have an XXXX XXXX as a XXXX XXXX XXXX XXXX XXXX from XXXX. 
I XXXX XXXX XXXX ( XXXX ) believe the XXXX School committed fraud by doing something or failing to do something, misrepresented its services, or otherwise violated applicable state law related to my loans or the educational services I am paying for. 
The government on Thursday XX/XX/XXXX essentially made the case that XXXX has done that, inviting former students to request loan forgiveness. 
As a current job seeker, I worry that my degree has been discredited. I also consider the cost I am paying way too expensive for what I got from the now defrauded, since-shuttered for-profit chain. 
I fear that my education is being devalued by XXXX 's impending collapse. The schools misconduct forces me into this cause of action because it directly relates to the loan or to the school 's provision of educational services for which my loan was provided. 

Sincerely ; XXXX XXXX XXXX XX/XX/XXXX SS # -- - -- XXXX Address - XXXX XXXX XXXX, XXXX, IN. XXXX XXXX - XXXX ( XXXX ) XXXX email XXXX XXXX - XXXX, XXXX, OH. 
Program of Study - XXXX Recieved - XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) Degree Dates of Enrollment - XX/XX/XXXX to XX/XX/XXXX I am replying to whom it may concern ; Please contact me at XXXX or ( XXXX ) XXXX, have you settled my case? Do I still owe over {$14000.00} on a degree that the Federal Government backed and now the accredited XXXX XXXX no longer exists? 

I need you to verify Navient 's statement : XXXX XXXX XXXX, the payment term for your loan ( s ) has changed. 



Next payment amount : {$130.00} Next payment due date : XX/XX/XXXX This payment schedule replaces all previous schedules for this loan ( s ) and doesn't include any past due amounts. All of the terms of your original Promissory Note ( s ) remain in effect. 

Payment terms usually change for one or more of the following reasons : The deferment or forbearance period during which you have postponed making your monthly payments is about to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted EdFinancial for a {$10000.00} refund on XX/XX/XXXX. I had made approximately {$8000.00} in payments to XXXX XXXX XXXX before they shut down and {$2000.00} to EdFinancial during the COVID-19 forbearance period. I was told by the customer service rep that " they could not see previous payments made to XXXX XXXX XXXX during COVID-19 before XXXX shut down and my loans were transferred to EdFinancial. '' However, I was assured that my refund request of {$10000.00} was submitted. I called back on XX/XX/XXXX for an update. I was told that the refund process would take a minimum of 5 months!! Every other servicer I have heard of has said 4-6 weeks maximum. This is atrocious. EdFinancial will not provide any confirmation of my refund request and has encouraged me to cancel my request. They are withholding my money, in direct violation of the CARES Act. I am not sure if I will be able to get loan forgiveness because EdFinancial is incapable of processing requests in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: AR
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:
Incorrect/ Wrong Name, Address, and Work History Personal Information NAMES REPORTED XXXX XXXX EMPLOYMENT INFO XXXX XXXX ADDRESSES REPORTED 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 2019-08-05
Company: Experian Information Solutions Inc.
State: IL
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:
Credit reporting agency continues to report fraudulent information on my consumer credit report, even after submitting several FTC identity theft 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 non-monetary relief
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
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 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 non-monetary relief
Consumer complaint received 2020-02-18
Company: Gordon, Aylworth & Tami, P.C.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 I received a letter, from Gordon Aylworth & Tami P.C saying I owed XXXX XXXX  XXXX. I calleXXXX XXXX XXXX to verify any accounts with them because I have not worked with XXXX XXXX for any accts, loans, cards etc whatsoever. The letter wasn't certified so it was a red flag. I called XXXX XXXX  customer care line and they transferred me to the fraud department, there was no accts, listed so he transferred me to the collections department to see if there was any collection accounts in my name. Nothing came up. He then asked me who was the collection agency that sent the letter, I told him and the XXXX XXXX personnel said that Gordon, Aylworth and Tami PC are not even an agency they work with to collect debt. I also requested my credit report from all credit bureaus and nothing under XXXX XXXX OR Gordon is comes up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation