BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-14
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I took out a loan with XXXX XXXX in 2004 for {$310000.00}. I have made all my payments on time until they agreed to do a no cost HAMP loan modification. The Servicers have failed to give me a signed copy by them of my loan modification agreement. This is the fourth time I have requested it. Also they have mis-applied or not applied my payments to Principal as agreed. They continue to not apply my payments to Principal as agreed nor to give me a correct updated loan payment history. Please look over the documents that they have sent me which do not reflect the correct current running total. I have requested an independent audit of my account but they refuse. Please investigate this matter as soon as possible since I suspect fraud has been committed with this loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
my daughter received a credit card offer from capital one 23.74 % XXXX $ late fee she is a XXXX XXXX and has no income this is predatory..take her off your list where did you get her name and info?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Stillman Law Office, I do NOT owe the creditor. I have attempted to secure documentation from XXXX, XXXX XXXX as well as XXXX XXXXs of the debt. 

I obtained an alarm system from XXXX in XXXX of XXXX. I also kept the current system that I owned at my old house. When I called to set up service at my new home I was told that if I kept the old system for a min of 6 months, which I did, and due to longevity of being a customer, since XXXX, that I would have the new equipment without charge. The rep came the first of XXXX to install at new house and called to verify that I would have new equipment complimentary of XXXX by keeping old equipment operating for 6 months and due to length of being an XXXX consumer. 
I did not receive a request for payment until XX/XX/XXXX from XXXX and then the next month from XXXX stating the account was delinquent. I had not received anything from XXXX, XXXX, or XXXX prior to XXXX of XXXX. I have asked XXXX, XXXX, and XXXX for info on a contract or anything that I signed, which can not be produced because I did not sign for anything. 

XXXX was in the news last year in the XXXX area for installers making unethical access to customers accounts and when I received this in XXXX from XXXX I attempted to see if this was part of the illegal dealings that installers for XXXX was part of. XXXX was no assistance and only referred me back to XXXX who in turn referred me to XXXX. 

I now have received a letter from Stillman Law Office in ref to the debt. 

If I owed this debt I would pay it but received the new system complementary of XXXX. I have been a customer since XXXX and I am a current customer now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: AMERICAN EXPRESS COMPANY
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: Investigation took more than 30 days

Complaint:
I have contacted the credit bureaus about inquiries on my report that I do not recognize and after not receiving any response I contacted the creditors to verify the inquires on my report. 
I contacted the credit bureaus more than 2 months ago and it has been 30 days since contacting the creditors in which I sent certified mail that I have the receipts for. I still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Interest Smart Home Loans
State: NM
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:
Many residents in our neighborhood are being inundated with mortgage refinance offers by out of state firms. When I agreed to allow Interest Smart to pull my credit report to see what rate/benefits I would qualify for, I was told the pull would not be a 'hard ' pull, which defines inquiries that remain on XXXX 's report for 2 years and affects credit scores. As it turns out, my current mortgage is best for me and no services from Interest Smart were needed. 

In contradiction to what the mortgage officer 's assistant XXXX told me, when I received a credit report copy, it disclosed not XXXX, but XXXX hard pulls that will stay on my record for 2 years and potentially affect my credit score. On XXXX XXXX, I remitted an email to loan officer XXXX requesting these inquiries be adjusted to XXXX 'soft ' inquiry ( those that do NOT affect credit score that most existing creditors, employers and insurance companies utilize ). To date, I have not received a response from anyone at Interest Smart. 

As you know, most seniors experience a significant reduction in income upon retirement, so it is critically important that unnecessary and unwarranted 'hard ' credit inquires be limited in event of potential future mortgage needs.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-12
Company: Nelnet, Inc.
State: FL
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 called on XX/XX/XXXX to get a refund for my student loans. Called on XX/XX/XXXX and they still have no updates. Haven't even process the loan. Stating it'll take over 120 days to process it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have never done business with the companies. This Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I have already filed a FTC and Police report over these same companies.XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Self Financial Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Self XXXX XXXX company or whatever it is allowed somebody to take a loan out in my name and social security number without trying to speak to me over the phone or getting correct verifiable information. Its fact, because I wouldnt have applied or registered for this program. My credit was horrible but not bad enough to pay into an account I cant take from!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Macys is reporting me late on  XXXX   2016 which  is incorrect. This late payment was never on there before and when they adjusted my account to remove the late payments and credit my account {$10.00}, that is when it showed 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 monetary relief
Consumer complaint received 2017-06-11
Company: Experian Information Solutions Inc.
State: FL
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:
I have been attempting to resolve this issue for the past couple of months. My wallet went missing sometime last year and ever since then i have been getting inquiries placed on my credit report.

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 2022-04-01
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
MERCHANTS AND PROFESSIONALS XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX MERCHANTS AND PROFESSIONALS : I have asked them on several occasions to please stop calling threatening and harassing me about the two alleged accounts. They keep telling me that I owe them two debts in the amount of {$26.00} and another amount of {$78.00} for two separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me depressed. i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX  never responded to my dispute from several letters mailout back in XX/XX/XXXX and XX/XX/XXXX and place the account in collections and I disputed it then and never got no response from XXXX XXXX  all ways the run around some one going to call back. I call XXXX XXXX over 45 times and got no response from them what so ever. I updated my mailing address at the post office with no response from XXXX XXXX  and the post office can verfify change of address.I have/ had a right to dispute XXXX XXXX XXXX and I'm in the process of hiring an attorney regarding the situation by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested. XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX CT FL 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 explanation
Consumer complaint received 2017-06-14
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX ,  2017  I wrote a dispute letter in regards to an {$890.00}  XXXX  co llections with Credence Resource Management LLC. The le tter was sent certified read-receipt, and was received on  XXXX   XXXX  according t o USPS.   <P/>   XXXX   XXXX   XXXX   XXXX    In  the letter, I requested very specific documentation proving that I owe this debt. I do not believe I owe this debt as I made a {$600.00} payment to  XXXX  around 5 years ago clearing the debt I had with them. I recently called  XXXX  and they told me they  have no information at all about this debt, and to deal with Credence Resource Management direct ly in regards to the issue.

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 2019-12-03
Company: Navient Solutions, LLC.
State: FL
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:
All of my student loans are on auto-pay with the option set to assign any overpayments to the principal. I've contacted Navient multiple times regarding the my loan payments not being allocated properly which results in me paying more in interest and not paying down my principal as it should.

When I first contacted Navient about this issue, they stated this was caused because my loans were all in billing groups and therefore causing some loans not to receive payments. I asked that all my loans be separated so payments would be allocated properly. Still, Navient continues to apply my payments improperly by moving my due date instead of allocating overpayments to the loan principal, resulting in additional interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: CA
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 ... the following account XXXX # XXXX has violated my rights ... .... 

-15USC 1681 Section 602A ... states I have the right to privacy.

-15USC 1681 Section 604A Section 2 ... .. also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Reporting company used your report improperly

Complaint:
According to the fcra these inaccurate negative inquiries must be removed from my credit report asap Unrecognized inquiry on Transunion credit report 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 explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I happened to look at my Experian app and see 6 accounts that I had never seen or heard of, so I called and just found out the person/persons opened up accounts in my married name which was XXXX XXXX but XXXX have been divorced since XXXX and i had changed my name back to XXXX XXXX XXXX XXXX of XXXX when i filed for divorce so these are in the past few years and I then disputed the fraud with Experian and they also had 4 fraud addresses in Texas linked to these accounts and I live in Colorado and have never set foot in Texas, so all of these accounts were opened up in my old married name and none of these are my accounts and need to report fraud on them, I have opened up a fraud case on the addresses and the accounts listed with Experian. 

XX/XX/XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$1100.00}

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 2021-10-28
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Capital Accounts, LLC
State: MD
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:
CAPITAL ACCOUNTS Original creditor : XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$880.00} Original balance {$880.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Payment summary 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 PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info NameCAPITAL ACCOUNTS Original creditor : XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$880.00} Original balance {$880.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Payment summary 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 PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info Name CAPITAL ACCOUNTS Address XXXX XXXX XXXX XXXX, TN XXXX Is everything correct? 
CAPITAL ACCOUNTS Address XXXX XXXX XXXX XXXX, TN XXXX Is everything correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Ad Astra Recovery Services 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:
Creditor Information AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over XXXX days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: GREAT LAKES
State: FL
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:
My loan service provider, Great Lakes Higher Education Corporation & Affiliates ( " Great Lakes '' ), has refused to calculate my payment amount based upon my adjusted gross income ( " AGI '' ). Instead, Great Lakes is calculating my payment amount based upon my reported income on my XXXX. By doing so, Great Lakes has improperly increased my monthly payment by a significant amount. 

I am eligible for the Pay As You Earn ( " PAYE '' ) repayment plan. I have submitted all required paperwork for the PAYE plan. Calendar year XX/XX/2019 is my third year in the PAYE plan. 

Pursuant to Section 4B, Line 11 of the IDR Plan Request, OMB No. 1845-0102, I am required to submit my most recent Federal Tax Return with my request to remain in the PAYE plan. As in years past, I logged onto the StudentLoans.gov website to  submit my application. This in turn redirected me to IRS.gov,  whereby I authorized the IRS to electronically transmit my Tax Return to Great Lakes. IRS, U.S. Department of Education, and Great Lakes have provided email confirmation that Great Lake received my tax return. Further, I have verbal confirmation from multiple Great Lakes employees of the same. Specifically, over the past three days, " XXXX, '' " XXXX, '' and " XXXX '' each confirmed receipt of my tax return. 

Nevertheless, Great Lakes requested a copy of my XXXX to confirm my wage information was incorrect. I provided a copy of my XXXX, which confirmed the accuracy of my tax return. However, Great Lakes has now taken the position that they retain discretion to reject my tax return and calculate my payment amount based upon my XXXX wages, and not my AGI, as required by the U.S. Department of Education. Importantly, my AGI amount is lower than my XXXX wage amount, and using my AGI to determine my monthly payment amount results in a lower amount than using my XXXX wage amount. 

I have spoke with Great Lake multiple times in an attempt to resolve this issue. But Great Lakes is unwilling to process my request in accordance with the requirement under PAYE. Moreover, Great Lakes is unwilling to process my request in a manner similar to years past. 

I have ample supporting documentation, and can provide the same as necessary.

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