BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-16
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: CITIBANK, N.A.
State: NJ
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 love my citi card but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.

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 2020-11-13
Company: National Medical Administrators, Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 received text from credit card company asking if I had authorized a purchase for {$110.00}. I told them that I had not. Payment was declined and credit card company issued a new credit card. 

XX/XX/2020 received letter from collection agency alleging a debt of {$110.00}. 

Upon further investigation I believe this scam started when I answered a survey online and was to receive a free gift of my choosing from several offered. I chose one but I had to pay {$6.00} for freight which I put on my credit card. The company that billed my credit card was " & XXXX XXXX- XXXX XXXX CA. I did eventually receive that gift. 

The same day I confirmed freight payment for {$6.00} my credit card company was requested to pay from my credit card {$110.00} by a company named " Try XXXX XXXX '' which was denied because I never ordered or authorized anything for {$110.00}. The credit card company flagged this purchase and texted me for confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello i had a issue with my vehicle regarding coolant leakage and radiator issues. i use my vehicle warranty to try and take care of the issue with me seeing those things were covered in my warranty and mines was still active i use it. They ( XXXX XXXX  XXXX XXXX pick up the vehicle diagnose the vehicle and deemed it not covered after their findings and said they wouldn't do any work on the vehicle. My Lenders ( Credit acceptance ) Picks my vehicle up from them with my permission and takes it to schmitty 's repo. Now its on my credit as a repossession which it shouldn't be then to make matters worst XXXX XXXX XXXXXXXX never put the engine back in my vehicle so even if i was to pick up my vehicle from XXXX XXXX i ca n't drive it because my engine is gone.I have contact all parties in this matter and they keep pointing the finger at one another. also credit acceptance isn't trying to help at all they just keep hitting my credit when they know what happened to the vehicle nor have they offered any helping hands even though they picked up the vehicle with no engine.

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 2018-05-16
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir or Madame, I am a university professor and am under contract to sell my home and purchase a new home that would significantly improve my commute. 

I applied for a mortgage with Calibar Home Loans. I initially received a pre-approval letter. My contract to sell includes a contingency clause to back out for failure to complete the purchase but includes a {$2000.00} penalty to do so. I entered into this agreement only after having consulted with my loan consultant regarding risk. He suggested there was " none ''. 

I later received an approval for an FHA loan ( attached ). It was presented to me as a " commitment ''. It was presented to me a month before the anticipated closing date of XX/XX/. A week and a half ago, the mortgage consultant I was working with suggested that my " commitment is very clean ''. I presented it as such to my attorney, who, in turn, presented it as such to my seller and buyer. 

At the eleventh hour, the month of the closing and after having presented me with an FHA anchored loan commitment, Calibar tells me that they made a mistake and that my student loan debt creates an untenable situation with DTI ratios. Having been through FHA mortgages before, I was well aware of the historical complications with respect to ( and changes made to guidelines respective to ) the calculation of Income Driven Repayment ( IDR ) and Income Based Repayment ( IBR ) payments. Before even proceeding with the loan application, I flagged this issue for discussion with the loan consultant. He told me in no uncertain terms that the calculation was currently based on the monthly payment made reported on the credit report. In the end, Calibar is now stating the proper calculation is to take 1 % of the debt and amortize it as a 30 year loan and use that hypothetical monthly payment for underwriting purposes. 

I have good credit ( XXXX FICO ). I have consulted with an outside mortgage broker and they are optimistic that they can find an investor so long as my partner ( Civil Union NJ ) is included in the application. Calibar said they won't underwrite my partner. The problem, of course, is the time this will now take and whether all parties are willing to wait.

I wrote executive officers on XXXX and was promised communication at the executive level. I never received this. 

In short, I have been put in a very precarious situation due to Calibar 's *very basic and documented error* and Calibar should be doing everything they can to close the loan. They carry portfolio loans and sell their own products. 

I am starting to wonder if my name weren't XXXX and if I weren't in a XXXX relationship if I would be treated with such disregard. 

I look forward to a resolution to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Factor Trust
State: MN
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:
Hi, Someone tried to open a line of credit in my name with XXXX XXXX XXXX and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the XXXX XXXX report that I ran. I have made a police report with the XXXX County Sheriffs Office and am waiting on the report to submit to XXXX XXXX XXXX. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Filing a complaint against equifax regarding a credit card account from regions which does not belong to me. Regions states the account does not belong to me and should not show on my credit history because I am just an authorized user for which I have never even authorized to begin with. I have request this removal at least 4 or more times through exqifax and they continue to nelegect it. I had no issues with XXXX or XXXX on this removal. I will also attach a document provided by XXXX manager showing that the account is closed and I was only listed as and authorized user and should not appear on my credit history report. Also attached are my credit history reports from all 3 bureaus. Please this is on going issue for 2 or more years I would really appreciate if this was removed indefinitely from my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 no knowledge or records of the listed account XXXX # XXXX, XXXX XXXX XXXX Please advise me as to the name and address ( es ) of the medical provider, the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete.

If you can obtain this information, I also would need the name of the medical sales providing this proof and claim, how was the information was received so I can prepare a legal remedy ( law suit ). This is potentially a servious HIPPA violation.

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 2018-12-14
Company: Lendmark Financial Services
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I was denied SCRA by Lendmark Financial on two loans for two XX/XX/2018 XXXX XXXX XXXX XXXX in XX/XX/2018. I am an XXXX XXXX Service Member. I requested SCRA and the Loan Officer dismissed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Nelnet, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I would like to make a " goodwill request '' to have my late payment removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate my late payment with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: EQUIFAX, INC.
State: TN
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:
I have disputed with Equifax on multiple occasions for them to delete addresses listed on my credit report that are inaccurate. Equifax responded on XX/XX/2018, confirmation # XXXX and also on XX/XX/2018, confirmation # XXXX that their bureau had indeed deleted the following addresses ; however, I retrieved a copy of my report on XX/XX/18 and the addresses are still reflecting. Equifax is deceitful and falsely reporting these addresses but yet continue to send me responses and confirmation that they have indeed deleted them. This is a violation of my consumer rights. The following addresses should be deleted immediately from my report based on their letters ( see attached ) and also the fact that the addresses are inaccurate. Delete the following addresses immediately : XXXX XXXX XXXX. XXXX XXXX, TN XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXXXXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: LA
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 is reporting incorrect information on my XXXX  and experian report how can the same account show different data last activity on XXXX  is XXXX XXXX times late 30/60/90 1/2/4 Experian last activity XXXX XXXX Late XX/XX/XXXX XXXX Also charge off dates different XXXX And month reviews are different XXXX  72 Experian 73

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 2020-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX : Acct # XXXX 2 ) XXXX XXXX ( XXXX ) ACCT # XXXX 3 )  PORTFOLIO ( XXXX XXXX XXXX ) ACCT # XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: NV
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:
My information was leaked in the Equifax data breach and ever since someone has been using my information to open different accounts in my name. There is credit cards, medical bills, loans, a mobile phone, and even a bankruptcy. I filed an FTC identity theft report and it was so many accounts it didn't even let me input all the incorrect info and accounts. I filed a police report with XXXX XXXX Metro and disputed all incorrect info with all three credit bureaus more than once. They have not even removed one account and I should not be held liable for things that I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize.

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 2018-12-14
Company: EQUIFAX, 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:
I opened a Federal Student Loan to attend College after I completed my Education I became permanently XXXX and could not work. I requested that the lender forbear my account because of my medical situation. The Loan only had my account in forbearance for a short period and even after my continued request for Loan forbearance the servicer reported negative account information to the Credit Reporting Agencies. I have since had my Student Loans completed discharged because of my permanent medical condition however the Prior Federal Loan Servicer continues to report my account negative even though it has even past the 7 year statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: BAY VALLEY MORTGAGE GROUP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I contacted Pacbay Lending Group who is helping me refinance my home in which process started on XX/XX/2020. I called in to ask for update on my loan closing. I was advised only to leave a message for XXXX XXXX and left number and never received a call back. They advised me to connect with my referring broker and the broker said they haven't received any updates from this lender for several weeks already. I was advised by broker that i would be responsible for extension fees in which delays were all lender delays. I was also advised i would be charged a .5 % fee for loan not closing before XXXX. This is unfair and deceptive to charge additonal fees to borrower when it is clearly lenders fault for being unprepared and non compliant. My wife works at a bank and credit usually needs to be decisioned in 30 days not 45-50 days per this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: LA
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:
Inaccurate information on my credit report willams and associate how can my be opened on XX/XX/2019 And my last activity be on XX/XX/2019. Did not do an investigation when I dispute my report for inaccurate experian told me everything was verified correct.

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 2020-07-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2020 I sent a Method of Verification to XXXX, Experian, and XXXX  disputing debts showing on my credit report. It has taken more than 30 days with no response, and they are still reporting the debts as valid on my credit report, but no method of verification has been provided.

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 2020-08-21
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Credit adds no value just raises demand curve, and assumes there is more money than exists. That's right, there is not enough money for these contracts are able to become possible. That is forced majeure before the contract even starts as you will find that unforeseen and uninformed are no different than coercion or duress in citing contracts like time-based royalty or debt invalid. Even so, what is the purpose of any law but to stop fully-informed people from binding themselves to impossible situations - intervention by creditors in the purchasing of goods by consumers is HUMAN ABUSE and certainly not good for everyone because the supply chain is like a torus. What, does share of a business ' sales from voluntary employers not return fast enough for you?

Company response to consumer: Closed with explanation