BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been attempting to fix errors on my credit report since XXXX of 2020. Since XXXX I have sent several letters to the 3 major credit bureaus asking for validation of several accounts. Since starting this journey I have not received ANY letters from the credit bureaus. When looking up the response times it states that the bureaus have 30 days to respond it has been over 75 days and I have yet to receive any notifications. I sent two letters asking for validation of the following accounts on my credit report ( XXXX, XXXX, XXXX, & XXXX ). to this date I have not received a response from XXXX, XXXX or Experian.

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 2022-05-25
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a letter dated XX/XX/XXXX that my house payment went up {$330.00}. I was told this was due to the company paying my taxes which I correct, however, this was an increase for 12 months. this will result in over {$4000.00} which I don't understand why. I have been dealing with this since XX/XX/XXXX doing everything they ask me to do and nothing has been resolved. they have missed applied my payments, paid more taxes and shouldn't have before time, have people come out taking pictures of my house when I am not late on my mortgage. I have a whole pile of paperwork and documentation that I can submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Collections Inc
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by Collections Inc. on Thursday and was told that they were attempting to collect a debt. I told the representative that I need to take a number and call them back. I was told again that this was an attempt to collect a debt and who the original debt was with. The representative never disclosed where they were calling from and then proceeded to threaten that legal action will be taken by XXXX. the next day. I was also told that they were planning to garnish my wages. I 've never received any letter from this company or phone calls before XX/XX/2017. On XX/XX/XXXX I contacted the company to find out the name and the rep refused to give me their name without verifying my address. I 'm not sure why it was okay to discuss the account with me during the previous call without verifying my address, but they ca n't share the name of the agency without confirming my address. I requested information to verify the debt and was given some information over the phone and was told that I could be provided the account history from the original account holder. I find it disturbing that I was threatened with garnishment the first time the agency contacted me and was n't allowed the 30 days to confirm or dispute the debt. I was told that my file was referred to the legal department. The representative was very unprofessional and rude. She seemed to take pride in the ability to garnish wages. This company uses bullying tactics and preys on the ignorance of others concerning the law to administer unlawful collection practices. They need to be held accountable and so does the Hospital that chose them as a third party service provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
received a notice of this debit. But I explained this debt was not accurate at all. I 'm being charged for something I never received. Not right at all. This was a XXXX doctor I went to get XXXX. My insurance was to pay for these. This doctor should of had pre approval from my insurance to obtain these. He did not. Made these and then states your insurance will do pay for these. Again not right at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I began repaying my parent plus loan for my son in XXXX XXXX  2017. From the very first time I have not been able to use the automated phone system, nor log into my account, and when I want to speak to customer service when the automated system says it " does n't recognize my acct number or social security number as a valid ID ' '' they schedule me with a " call back '' which is more than 24 hours later. I have to choose an appointment time to speak with customer service to make a payment. And quite often I am told " sorry that time is not available. '' I have been told many different stories as to what the problem is- including that my acct is linked to " someone else with the same social security number. '' This is frightening. When I ask them who it is- they tell me they " ca n't share that info with me. '' Yet they recently sent MY XXXX a bill with someone else 's name on it and then freely discussed my name with my XXXX. I am SICK OF DEALING WITH THESE PEOPLE!!!!! They have told me multiple times they can " fix the problem. '' And " a supervisor will call me. '' Which has never happened. This company makes it IMPOSSIBLE TO PAY THEM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This is a complaint against Cavalry Portfolio Services. I was victim of identity theft, I did everything I had to do to follow the law and made a police report, I made an affidavit of FTC with all the evidence that my identity and social security was used in a fraud matter and adjacent my permission. I sent this all this agency a month and the agency 's response was that they ca n't do the investigation because they need more evidence but there is nothing left to do and they do n't want to cooperate with me and my problem. I have done everything I have to do and more, but they still do n't want to cooperate, this is affecting my life physically and emotionally because i ca n't open any accounts in any banks because of this, and this is of course this is affecting my life negatively because I am a single mother and I would really appreciate your help in this case. I thank you for anything you can do to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-05-25
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The loan was taken out almost three years ago and the car 's sale price after taxes and everything was around {$14000.00}. I have been paying on it for XXXX XXXX years and still owe {$16000.00}.

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 explanation
Consumer complaint received 2015-11-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am protected by chapter XXXX bankruptcy from having creditors report me as late or showing a balance that is inaccurate. on my experian credit report XXXX accounts, XXXX are shown as reporting late payments and balance due. The accounts in question both note that I am a chapter XXXX wage earner. these accounts are reported correctly on my XXXX report but are not accurate on experian or XXXX. Per my bankruptcy confirmed in XXXX 2013 both of these accounts are included and should be reporting no late payments and XXXX balance. I have made all my bankruptcy payments on time to my trustee and i believe that this is a violation of the fair credit reporting act. This is causing an issue. i am trying to get an fha streamline loan and this inaccurate information is preventing me from moving on with my credit recovery.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have received rude and threatening calls from a woman named XXXX who works for IQ Data ( XXXX ) She has called and harassed me for about 2 months about a debt that I do not owe. Calling my place of employment, speaking with employer and also calling my work phone numerous times. I do need this harassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: LENDER LIVE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was serviced by LenderLive. I was current on the loan as of XXXX XXXX but I was out of work and using savings to pay. I agreed to a forbearance plan with LenderLive in XXXX XXXX. I explained that I need a security clearance to get work and therefore needed to avoid any negative credit reporting for the mortgage. They told me that they would not do negative credit reporting while I was on the forbearance plan. 

The forbearance plan was supposed to last for six months, until XXXX XXXX, XXXX. At that point I would enter into a repayment agreement with LenderLive according to the plan. Instead, LenderLive reported on my credit as if I was missing payments during the forbearance plan. I noticed the negative reporting in XXXX XXXX. I was looking at my credit because I was going up for security clearance for a job. When I called LenderLive about it they refused to fix the credit reporting. They had previously been ridiculously rude to me over the phone -- they even insulted me for being a XXXX veteran. 

In XXXX XXXX LenderLive transferred my loan to XXXX. XXXX did not have any information about the forbearance plan. As far as they were concerned, I was six months behind on my mortgage. After the transfer, LenderLive refused to talk to me about the issue or to fix it. They just directed me to XXXX. XXXX did n't have the records and did n't know what I was talking about. 

I want LenderLive to correct the information reported on my credit to reflect that I was on a forbearance plan and was not responsible for the payments from XXXX XXXX through XXXX XXXX. Therefore I should not have missed payments recorded for those dates. I would also like an apology for their insults of my status as a XXXX veteran.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone purchased lights in my name without my permission. I reported it to the company and requested that they remove the items from all XXXX credit bureaus. The company failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: CAVALRY INVESTMENTS, LLC
State: WV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was sued in Magistrate court by a XXXX party collection company that supposedly bought the debt from the original lender. The original lender has had my credit report purged of this debt after they researched the debt. The Debt collection company has refused to do so and filed suit. They have been asked several times to provide original loan documents, last payment info, and papers showing that they actually " own '' the debt. The last time they were asked was a court order for discovery and they did not produce the paperwork before the hearing on XX/XX/2015. The Magistrate dismissed the case due to the lack of evidence on their part and the fact they did not produce any discovery as directed. The company, Calvary SPV I LLC, will not recognize the fact that the original lender has forgiven the debt and sent a letter to all XXXX major credit bureaus to purge the debt from my records. The lack of discovery at the hearing is the crux of this complaint as the company has never produced any documentation during this process. Even though the current suit has been dismissed, I am sure they will appeal or ask for the court to reconsider as they have in the past ( the XXXX time was dismissed because they did not show up for the hearing ). They do not even have the correct bank listed as the original debtor on the court documents and this might be part of why they can not produce the correct records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I written them a dispute letter to get verification on this matter. I believe I don't own them nothing due to the contract was fulfill on my part. They fraudulent reported this on my credit report and went out of business. And the collection company fraudulent put on my credit report wrong information and didn't respond to my letter written to them in XX/XX/2020. I written a dispute letter to XXXX and Sunrise Credit services on this dispute of incorrect and unverifiable information on my credit report. Neither company 's never respond by a written letter back to me. And I know my rights have been valeted due to section 611 on bases or incorrect and unverifiable information on this matter.

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 2015-06-03
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Online Information is a collection agency is reporting on my XXXX credit file incorrect illegal information because they are not a lender. The law states at no times does a collection agency become a lender so this type of reporting is illegal. They do n't have the rights to report account type-open nor pay status-in collection nor loan type-collection agency/attorney because this is not a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I contacted this company via us mail in an attempt to verify this debt. I received a letter in the mail that I owed XXXX, then the amount reported was XXXX on my credit file with XXXX. I disputed this amount with XXXX and the company in returned reported that I owed XXXX. I never received a right to dispute this debt from the company as well as never received any debt verification. The company sent a letter stating that I owe XXXX in which I paid them directly ever bill I owe. I contacted XXXX XXXX XXXX and they said that I have a XXXX balance with them and they have no idea of what this company is collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Lease was broken due to loss of employment and XXXX. There were 3 months left on the signed lease. The apartment was re-rented a month later. They kept the security deposit of {$1400.00} and trying to charge me and additional XXXX although there was no loss of rent. Apartment was cleaned and were no damages, IQ Data is harassing me on a daily basis. Under the Washington Law Tenants ACT, they are breaking the rules. Landlords must mitigate there damages. I have written to these individuals and they have placed this on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation