BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: Caliber Home Loans, Inc.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am behind on my mortgage, but am going to catch up, on XX/XX/XXXX, I spoke with POC XXXX with Caliber. She asked what us my plan for the property. I told her that I will be catching up on my house, that XXXX will be sent to them by friday the XX/XX/XXXX. I asked if I could make a debit card payment online and she told me that I was unable to because of having a bounced check in XX/XX/XXXXof XX/XX/XXXX. XXXX also asked when I could send yhe rest of the money, I said around XX/XX/XXXX, I will be able to send another XXXX and she said good that will catch you up. I asked if that would avoid foreclosure and she said yes. So then I told her that I will have to overnight the payment. I went to USPS on  Friday the XX/XX/XXXX, paid to have the cashiers check overnight, Caliber recieved the check on Monday, XX/XX/XXXX at XXXX. On Thursday, I received a call and I forgot his name but he asked what were my intentions with the property. I explained that I talked to XXXX on the XX/XX/XXXX, told her my pkan and the above conversation, and said you recieved the payment on the XX/XX/XXXX. 
Then the representative stated that they will not accept single payments as my house is in forclosure and that i need to pay 7 plus grand in full and the attorneys fees in order to get out of foreclosure. I asked why, when on the XX/XX/XXXX, I was told as long as I sent big payments, I would avoid forclosure. He had no answer for that and said my checks would be returned because its not the full amount and unless I have the full amount plus attorney 's fees, then I can get out of foreclosure. I had to end the call because Im so frustrated and stresses. They have XXXX dollars half of the XXXX grand owed and purposely hold it and not apply it to my mortgage so they can put me into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
15 U.s. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in violation of this law because i am a victim of identity theft!! these accounts should not be furnished on my consumer report as they are in violation!!! under, 15 u.s. code 1681b - permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written I've identified information on my credit report that is a result of identity theft. None of these transactions was made by me. Account Names as followed XXXX XX/XX/1923 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Only XX/XX/2019 I was given a written offer to settle my charged off credit card account with Capital One for {$1000.00}. This amount was to resolve the matter and be reported as " settled in full '' On XX/XX/2019 the payment was processed and a confirmation email was sent from Capital One on XX/XX/XXXX stating the payment was successfully processed. 

Since this time Capital One has continued to report negative to the credit bureaus as " past due '' and has also continued collection efforts. 

In XX/XX/2019 I requested an investigation take place with the Capital One investigation department and I received a letter dated XXXX XXXX, 2019 stating the investigation has been completed and I still owe the remaining balance. 

I believe this constitutes fraud and " bait and switch '' practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR
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 with all 3 credit bureaus asking Nissan Motor Acceptance to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Been XXXX since 2012 and having issues obtaining information to separate out loans. Unable to obtain a Master Promissory Note through loan servicer. I contacted loan servicer Nelnet for this information and they could not provide. Nelnet suggested i contact studentaid.gov but unable to provide as well since over 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) 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 a my file at Bureau is 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 item 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 XXXX Date opened XX/XX/2016 Balance : {$580.00}

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 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2022-07-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 explanation
Consumer complaint received 2022-08-08
Company: ALLY FINANCIAL 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: Old information reappears or never goes away

Complaint:
This complaint stems from an original complaint filed with CFPB against Ally Financial under Complaint # XXXX, submitted on XX/XX/2021. 

After the original complaint was submitted through CFPB, Ally Financial indicated that they would be correcting the inaccurate, incomplete information. They stopped the enforcement of repossessing my vehicle but they did not correct the inaccurate posting of monthly installments based on our previous agreements. 

I sent the attached notices to Ally Financial to correct the two late payments they were indicating on my credit report as well as a recent one day late payment which was incorrect. 

XXXX, an analyst at Ally Financial telephone me and indicated that they did correct the one error of reporting but the other two errors were accurate. I disagreed with him and explained prior conversations indicated that the two errors were on the fault of Ally Financial and that Ally Financial would be correcting the errors. 

XXXX, advised that he would be sending me written payment history and records to reflect that the two late payments shown on my credit report were accurate. This conversation with XXXX took place over a month ago and to date, I still have not received any written verification of data from Ally Financial and hence, Ally Financial has had more than a year to correct their records. 

I am once again, asking CFPB to intervene by any means necessary to adjudicate an expediate rectifying of my credit report. They are causing unnecessary negative reporting which was never due to anything on my end.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TRANSUNION XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information. ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleled from my file To Whom This May Concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information I received a response from XXXX XXXX stating that the following account could not be verified and it was immediately DELETED from my credit file. US Bankruptcy was deleted Per the PROCEDURES and laws stated in 15 U.S.C. 16811 and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been dispute bed NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above. I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT To Ensure that you receive NOTIFICATION I am including the following attachments to this letter : * My original letter challenging the validity of this account. * Copy of my dispute response showing that this account has been DELETED from my credit file due to their inability to to FULLY VERIFY and certify the accuracy of this account. PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint.

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 2021-08-23
Company: Nationwide Recovery Systems, Ltd
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Last week, I notified Nationwide Recovery Systems to stop contacting me by phone. Today, XX/XX/2021, they called twice in the span of two hours trying to collect a non-existent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-07-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Logged into my XXXX account to pay my bill like normal. Noticed there was no link to my credit card account as there usually is. Poked around the site and Followed Pay My Bill link, couldnt get through. Decided to call comenity, automated system lead me to a message that said to try again later and hung up. Called XXXX customer service and all they could say was they were aware of the issues but it was up to Comenity and to keep trying XXXX XXXX ( Ive had multiple failed attempts on that platform ) or you pay in store. Any attempt to reach Comenity just ends in the same automated messages on social media and telephone. It seems like this has been an ongoing issue, with no real communication to their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. 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 explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
accts aren mine, i did not open these accts

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 2023-05-10
Company: Experian Information Solutions Inc.
State: IN
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 provided supporting documents and request that you investigate the matter promptly.

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: 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:
15 U.s. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in violation of this law because i am a victim of identity theft!! these accounts should not be furnished on my consumer report as they are in violation!!! under, 15 u.s. code 1681b - permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written I've identified information on my credit report that is a result of identity theft. None of these transactions was made by me. Account Names as followed XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX, XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief