BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: Collection Management Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I requested for Collection Management Services to not contact me regarding my account. I added a dispute by email on Monday, XX/XX/XXXX. XXXX from Collection Management Services contacted me on XX/XX/XXXX regarding the account after I put the account in dispute and requested them not to call.

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 2021-07-28
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a longstanding complaint dating to 2016 but I could no longer find it in your database for some reason. The complaint number is XXXX against XXXX. Since XXXX is in bankruptcy we are seeking help from their Corporate Restructuring Committee which is tasked with solving issues like these in the bankruptcy court. We ish to CC you and also will CC the XXXX XXXX XXXX XXXXXXXX and XXXX  XXXX and XXXX since they are involved. The attached file contains the original CFPB complaint and describes the issues.

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 2018-05-01
Company: AES/PHEAA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I applied for a student loan in XX/XX/XXXX/XX/XX/XXXX totaling more the {$16000.00}. Since then I've lost my job got married moved away and divorce. After losing my job I was unable to pay my student loans or bills. I did however, called the student loan department and file for deferment and forbearance until I was able to resolve my personal situation. It was until XX/XX/XXXXI was able to consolidate all my XXXX XXXX and make one payment. XXXX Reporting Agency is still reporting my XX/XX/XXXX/XX/XX/XXXX XXXX XXXX as delinquent. I've called the reporting agency ( XXXX   ) to dispute the the closed and consolidated accounts and to them remove form my report and there response was to send in a consolidated later form XXXX XXXX XXXX and then the old account can be removed. I faxed over the latter and still not removed, I've called and ask why are the old account still reportingand there response was you have to get in writing from XXXX XXXX XXXX another letter stating, REMOVE FROM REPORT! This has been going on for several months. Back /fourth I called XXXX  agency yet again and ask for the removal and there response was the accounts can not be removed for another 7-8 years from delinquent reported date! That means the old account will have been on my report reporting negatively for more then 18 yrs. HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I submitted a CFPB complaint number XXXX regarding my mortgage dispute with Shellpoint/Newrez. 

On XX/XX/XXXX The above mortgage servicer filed a motion in court in order to modify my automatic stay. 

In this motion they alleged I owe {$1800.00} for XXXX XXXX XXXX, and one payment of {$1900.00} for a total of {$5600.00}. Additionally they were alleging attorney 's fees of XXXX. I believe this motion was filed in retaliation for filing the CFPB complaint. 


On XX/XX/ Shellpoint submitted derogatory mark on my credit report. 

On XX/XX/2023The Bankruptcy judge granted the removal of the Bankruptcy XXXX XXXX based on the above allegations of shellpoint/newrez. 

The company 's response the the above complaint relates that the company submitted a response regarding my loan modification to my bankruptcy attorney. However, My bankruptcy attorney indicates they did not receive any mail from them regarding the alleged correspondence in their response to my complaint. 

In the previous complaint I alluded to this company being a predatory entity. They are predatory in that they seek Bankruptcy accounts and rack up fees when you do not notice by weaponizing the CFPB and Bankruptcy rules to do so. For example their alleged letters say their loan modification is " streamlined '' but it is not based on the actions of this company is strictly for show so that " on the face '' no one sees their violations of CFPB rules and regulations and they can not dig deeper into the matter. The company seeks these bankruptcy accounts because they are in bankruptcy, who's going to believe those account holders??? I have a strong belief shellpoint tell the attorneys for these accounts " you guys want your attorney fees? you better go get them! '' The more games they play by making this mortgage company save money by screwing over the consumer and saving them money the more they get paid. Regarding the Bankruptcy rules. The no contact rule for collection actions is supposed to be a protection for the consumer. Shellpoint weaponizes this by pretending they are stupid and saying " Oh we can't contact you, so when when have to respond to a loan modification we will say we sent it to his attorney. We will win because you are in bankruptcy. '' That is just one example of the nonsense these people are getting away with and who knows how many people they are doing this to as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: NV
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:
After being in XXXX for a whole year I came back to discover that some credit cards had been open in my name without my consent or knowledge. I sent paperwork to each credit company and each one has been very good except for Equifax. They still have one fraud account left which is hurting me very much. My bank ( XXXX XXXX ) has recently closed a line of credit worth {$25000.00} and I am sure this one bad account has something to do with it, so I really need Equifax to clear this last fraud item from my report please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
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:
I've contacted XXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet Experian and XXXX refuses to remove me from being listed as late on XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX2019 Balance : {$0.00}

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 2018-10-17
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing in reference to a dispute with Chase Auto-finance on my credit report for a " missed payment ''. Enclosed you will find supporting documents for my dispute regarding my missed payment according to Chase. Chase alleges that my payment was late in for XXXX, but per the attached supporting documents of Chase statements dating XX/XX/18 to present, the XXXX statement shows no payment due for XXXX ( XX/XX/18 ) and an XXXX payment of {$410.00} for XXXX ( XX/XX/18 ). Thus I did not make a payment for XXXX XX/XX/18 and attempted to make a payment in XXXX several times. 
In attempts to make my payments, Chase customer service was unable to process payments due to an error on their part regarding the account number for my financial institution. I attempted to reconcile the account and pay what was owed but due to their error on their part the payment was reversed several times : XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 WAIVED LATE CHARGE {$20.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed an account that I have with XXXX XXXX. I exercised my rights with Experian credit bureaus electronic dispute option. Experian returned a completed result which was a blatant deception to me the consumer. Experian stated XXXX replied on XX/XX/2019 showing account owe XXXX. Well I spoke with XXXX and they informed me that that information was never rendered, this account has been marked closed 30 days prior and that the dispute dept never received a request for updated account information. Experian continues to deceive the Americans community with fake dispute outcomes. Experian isnt responding to my request at all. Just an automated completed of investigation email. Experian needs to be held accountable for this blatant deception.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-01-06
Company: NAVY FEDERAL CREDIT UNION
State: AL
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account ur open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BH Financial Group, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In XXXX, a XXXX XXXX XXXX Employee had fraudulently opened a checking, savings, and credit card account without my authorization, this account then moved to collections department and eventually sold downstream through collection agencies to SIERRA MANAGED ASSET PLAN LLC which have been attempting to collect since XXXX, where attempts to serve a notice to a previous outdated address resulted in the court moving forward to a judgement against me, my wages were garnished in the amounts of {$940.00} from a previous employer and {$1400.00} I have attempted to reason and explain the situation with the representatives of SIERRA MANAGED ASSET PLAN LLC to drop the collections attempt of a fraudulent account and return my funds they have taken from me.

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 2023-06-10
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/23 - Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXXXXXX Unauthorized Inquiry XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXXXXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable 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 2023-08-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
History : * I traded my leased a XXXX XXXX XXXX  vehicle ( VIN XXXX, Leased from NISSAN-INFINITI XXXXNMAC ) XXXX XXXX XXXX of XXXX dealership on XX/XX/2023 XXXX 
* XXXX XXXX of XXXX cut a check to XXXX XXXX on XX/XX/2023 which XXXX cleared on XX/XX/2023 * NISSAN-INFINI XXXXNMAC refused the payment to pay-off this lease XXXX XXXX and they cut a new check on XX/XX/2023 back to XXXX XXXX. 
* NISSAN-INFINI XXXX reported to credit bureaus as nonpayment on my part. 

Issue : * To resolve I paid off the vehicle out of my pocket Dated XX/XX/2023. 
* Now my account with NISSAN-INFINI XXXXNMAC is settled/fully paid but they are not reporting it back to created bureaus to restore my score. 
* Talked to NISSAN-INFINI XXXXNMAC  customer support at XXXX. They do not report the settlement to credit bureaus. 
* Attaching letters from Payment history and Fully paid letter from NISSAN-INFINI LT/NMAC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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:
Experian has refused to block information from my credit report, even after I submitted the appropriate identity theft information. I submitted the information twice however they are still violating federal law.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX 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 2023-01-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XX/XX/19XXXX XXXX XXXX XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My only employer is XXXX XXXX XXXX There may be individuals that have the same as mine. 

Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they 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 non-monetary relief
Consumer complaint received 2023-06-01
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation