BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-27
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For almost XXXX ( XXXX ) months I have been trying to get information in about charges on our account that we feel are an attempt at XXXX payment the XXXX XXXX months they would tell me that I nad to contact XXXX for that information and XXXX told me that they sold the account to Caliber Home Loans and I would have to get that information from them.All this time they would insist that I had to pay over {$20000.00} and that they could not take a one month payment on this account. Then for the next XXXX months they gave me a song and dance about this account could not bee discussed because it was in a bankruptcy that had been discharged in XXXX of 2010. It was n't until I had a friend, who happens to be an attorney, call them. they told me who to contact for this information. In the mean time they said they sent a certified letter in reguard to the payments however we never received this letter. Then they said they sent it to the attorney that I had call them, however he never received any letter either and that we had to pay overXXXX to stop the forecloser process. And that they have until XXXX XXXX to supply me with the information that we requested. We feel that this is an attempt for Caliber Home Loans and XXXX to defraud XXXX CITIZENS. And to date they have not sent the information, However they have sent a letter about bankruptcy discharge as if it just accurred. and they have sent a person to take pictures of our home. this means that they are more interested on legally stealing our home instead of letting us resolve this matter and paying off this loan, aswe have been trying to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, XXXX, EXPERIAN AND XXXX, are all guilty of willful intent to harm my credit file by not reporting the correct balance owed since XXXX when it was nearly $ 4k, however, since XXXX it was {$0.00} and yet my file was not updated after XXXX when it should have been regularly updated as is par the course with all of my accounts receiving regular monthly electronic updates. I made several attempts to correct the false information causing harm to my credit report directly with the concerned parties who all said I should wait and put the blame on the other entity, i.e. the XXXX XXXX XXXX blamed the credit bureaus who blamed XXXX with each saying the other party has 30 - 60 days to update my file which could potentially result in my having to wait 60 - 120 days for my balance to be updated when such is supposed to be correctly reported every month! This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have no knowledge of these hard inquiries on my credit report. I did not authorize for these hard inquiries on my credit report 15 U.S. Code 1681c-2

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 2023-01-26
Company: Experian Information Solutions Inc.
State: GA
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-20
Company: Kikoff Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with Kikoff lending LLC. I have no knowledge of this account, I do not have a contract with Kikoff lending LLC. They did not provide me with the original contract as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was attempting to refinance my home and found out I have a lien on my property for over {$29000.00}. 
I reached out to the debt collector/ XXXX XXXX XXXX ( XXXX XXXX ) to obtain the documentation on this judgment and information on the debt and all XXXX XXXX did was try to provide with the file number and said he did not have to provide me with that documentation that discloses what the debt is for, he didn't even know my name,, he provided me with my maiden name that I haven't used for over 12yrs, this clearly shows he's trying to collect on something that is over 12yrs old. XXXX was trying to workout payment arrangement but I told him that the information is incorrect, and that I'm not paying on something that is not right. He mentioned that it was regarding a Ford Motor Credit Account, I told him I do not owe Ford Motor Credit XXXX, and that I want all the documentation so I can review. I also mentioned to XXXX that I did not receive anything from them or any court notification, I would think they would certify something like this but of course that wouldn't be convenient for the debt collector. They took advantage that I didn't show up to court and just slapped a lien/judgement without allowing me to defend myself in court and to top it off in a county that I don't live in. I also asked if he can send me documents via email and he said that they don't do that, he said he can mail me the judgement. I then told him he can go ahead and Mail it, but then he asked for my address, I don't understand why he doesn't have this info since he had previously mentioned that he sent me mail on court order which I never received. All I want is for them provide me with all supporting documents regarding this debt and lien so I can have the opportunity to go to court and get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 no affiliation with the creditors in question.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: WV
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX  about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX  account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On XXXX ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late On XXXX ( Inaccurate 1 late payment reported ) in XXXX  - XXXX  60 days late On Experian ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, Society - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

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 2019-08-06
Company: HomeTown Lenders, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We were pre-approved for a home loan with Hometown Lenders. After locating a home, providing an ernest payment, paying for the inspection, and providing all of the required documentation for a guaranteed USDA home loan, we still had not been cleared for closing after 45 days. After we passed this amount of time, and only after complaints by us and both real estate agents, we were told that ( among the other excuses for the delays ), our USDA guaranteed loan had been suspended several times. We were never advised this from the loan company. Our real estate agent was the one who informed us. We were told that we had, finally, completed all of the documentation needed to be submitted to the USDA, well over 45 days, but the turn around time for the USDA office was delayed, adding a significant amount of time to our closing. The loan company then offered to finance through a FHA based loan, with the addendum and contracts completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with an email that stated we could close as early as XX/XX/XXXX. We completed all of the new documentation, as requested, and heard absolutely nothing from the loan company until only after expressing our hesitation about the continued delays and our consideration of cancelling everything. We were only told that they had received our documents, up to that point, but they now needed the seller 's addendum to proceed. We still have not received a closing date or any assurances that continuing with the process will actually result in a closing. We are highly concerned with the fact that we were never notified of the suspension of the loan status. The communication has been very poor and, despite concerns from all parties involved, we still do not have a resolution to the issue. Additionally, the company posted, on XXXX, about the quick closing for another client. This has, honestly, made us feel that this is all occurring because of the nature of the loans and the inability of us to qualify for a conventional type of loan. All contracts and emails available for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is my XXXX FTC complaint against Experian. XXXX Case # XXXX opened on XX/XX/XXXX and more recently XXXX # XXXX Opened on XX/XX/XXXX. After filing my complaint about Experian, going behind my back to check my credit account and wrongfully dropped my credit score. They have now decided to take my credit score completely. stating that I don't have a long credit history, therefore I am Un scoreable. This is a lie. I opened a dispute against them then on XX/XX/XXXX they opened a dispute in my name. then took my score away. I saw where they have removed items of credit summary. This is a clear-cut case of retaliation!! and it is illegal

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 2021-04-19
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is being filed against US Bank Gift Card services. A gift card was purchased in XXXX for the amount of {$100.00}. The card is labeled and sold as " {$100.00} MasterCard Gift Card '' and a {$5.00} activation fee was processed at the time of purchase. The disclosures which came with the card do not describe the card as being anything other than a Gift Card. There's nothing within the disclosure distinguishing or defining the card as being bound to any other " gift card '' classification. Recently, XX/XX/XXXX I called to register the card in my name and was told that there was only a {$2.00} balance remaining on the card. I was informed that US Bank deducts administrative fees if cards are not utilized within 12 months, except where prohibited by state law. I informed the company that I reside in the State of Illinois where consumers are protected from such fee transactions. They escalated my complaint and refunded me {$24.00}. They informed me they were only able to refund up to 12 months of fees, as their systems only contained 12 months of data. They had not retained records beyond 12 months. They then went on to tell me that if I did not utilize the card soon, they would once again deduct fees. I have expressed my understanding of them not having better record retention policies in place, and I have expressed that refunding {$24.00} is acknowledgement of their original error, and that I expect the full amount of {$100.00} to be refunded. They continue to submit internal third party complaint forms, but have not provided me a refund. Again, at the time of purchase the card was sold as a " Gift Card '', and all disclosures ( which I still have ) define the card as a " Gift Card '' and not as a general use card or any other classification of a gift card. A {$24.00} refund is not acceptable on a card for which I paid {$100.00}. 

I've asked them to provide me information in writing as well as contact information so that I can continue to escalate and resolve this matter. They have refused to provide me with a copy of the complaint forms, notes on the nature of my repeated calls, and any information on how I may go about escalating this case beyond their call center. They refuse to provide me with anything in writing that substantiates the statements they make about their policy, and they refuse to provide me with contact information for the department within US Bank that handles such complaints.

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 2021-03-14
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the course of a year and after several phone conversations and letters with Navy Federal Credit Union regarding a credit card card consumer credit transaction showing on my reports have refused to XXXX balance close and remove transaction. Per 15 usc 1692g Validation of debt is warranted I have requested the " original Creditor '', name and address and to Cease and desist collection activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

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