BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: IN
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 Report Act XXXX, Account : XXXX, XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

" I called XXXX and make the full balance payment on this account and asking to remove this account from my credit file, because the late payments on this account limited me to get access to new credit to buy a car, at the time I had the late payment on this account is because I had XXXX and been sick for several months after that I had a car accident where I XXXX XXXX XXXX XXXX and my XXXX  and been out of work for several months and my car was total lost. ''

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 2023-03-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX ; XXXX  XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} ; XXXX XXXX  ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Was called in early XXXX, told I had 2 ( two ) hours to pay {$590.00} or legal action would be taken against me. Could not come up with that amount, no payment arrangements offered. The Rep I spoke with, XXXX was rude and threatening. Week later HSBC called again, said I has to pay in full {$530.00} to settle this debt but could not get info on when and how this was my debt. Claimed owed since 2012. Never got mail notification, checked my credit report and NO old credit card debt showing as in collection or charged off. Also received a " recorded '' call from a male who said I was now officially " served ''. My sister advised me to cancel my debit card and file a complaint as she believes this is a fraud. This HSBC has already taken close to {$900.00} from my account since XXXX of this year ... am completely puzzled and frankly tired of being threatened and harrassed ... Any help would be so very, very appreciated. Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I attended a NACA workshop over a year ago. We were assigned to a counselor to begin our journey to homeownership. We spent many months submitting all required paperwork to our NACA file, paying for membership dues and paying for credit reports. We were expecting to get qualified by XX/XX/2018, as indicated by our assigned counselor, XXXX XXXX, in XXXX, NC. When XX/XX/XXXX arrived, our counselor missed our scheduled appointment ( which was to qualify us for a home loan ) and after calling and sending numerous times, I finally reached her and she was very rude, unprofessional and lied several times about our scheduled appointments and missing documentations. She made excuses that documents were missing from our NACA file, even though we submitted every document she requested in our action plan, to our file and to her email. Finally we requested to speak with her supervisor and even requested another counselor. No one contacted us. I sent numerous emails to her supervisors complaining about her behavior and requesting assistance with removing her off our case and assigning us a new counselor so our case could move forward and we could obtain homeownership before our rental lease expired. Needless to say, several days passed with no response. I finally called member services and requested a new counselor, since our previous counselor was unassigned to our case. The lack of communication, missing paperwork, a rude and incompetent counselor and numerous delays have caused many hours of frustrations for us. We would like more oversight and advocates who are willing and ready to assist members obtain homeownership in a timely manner and knows how to demonstrate excellent customer service.

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 2023-03-23
Company: EQUIFAX, INC.
State: NC
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:
This is my 2ND endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: SC
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:
Called Experian on the phone, was redirected several times until i reached an agent whom i could understand and was in the US. I explained to them how i was brought to tears after viewing from credit report. This particular was very helpful and gave me several different ways that i can be helped if i submitted the proper documents. I've mail them in before and called up hoping and XXXX that i'd get that same helpful male agent whose name i just can't recall, but this time i was funneled to a call center outside of the usa and could not be helped at all, after research and guidance i was led to this portal to assist in coming to a resolution.

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 2021-06-08
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I submitted a challenge to my Credit report in regards to XXXX Account # XXXX. I challenged the inaccuracy of the payment information from XXXX. The payment information is inconsistent, inaccurate, damaging to my file. I asked for them to conduct their investigation based on these inaccuracies, and delete the account if the information was found to be incorrect. On XX/XX/XXXX XXXX ( Confirmation # XXXX ) stated they found no discrepancies. 
The inaccuracy is clearly evident, and I do not believe they ; XXXX & the CRA ( XXXX ) conducted themselves with due diligence in their attention to these matters. 
The inaccurate info is as follows. From XX/XX/XXXX - XX/XX/XXXX shows 30/60/90 days late in logical progression. After XX/XX/XXXX is where the inaccuracy starts. On XX/XX/XXXX it shows 60 days late, then for XX/XX/XXXX it AGAIN shows 60 days late ( 90/60/60 ). Then it jumps to XXXX and the inaccuracies begin again in XX/XX/XXXX with 120 days late, then again 120 days late in XX/XX/XXXX, then 90 days late on XX/XX/XXXX ( 120/120/90 ). 
These are blatant inaccuracies and I request that this matter be investigated. XXXX XXXX XXXX has been furnishing inaccurate credit information to the Credit Reporting Agencies for several years, and possibly re-aging my account, long after the closure of the account. They are possibly achieving this by reporting payment information ( marking me as late til XXXX/XXXX ) even though the account was closed far earlier than this. For most of XXXX there is NO payment data at all. This in itself is misleading and deliberate on the part of XXXX XXXX XXXX. 
Also should a past due balance be showing on an account labelled as a charge off?

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 2023-01-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 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 explanation
Consumer complaint received 2022-05-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On XX/XX/XXXX an erroneous collection was added to my credit report and my score dropped XXXX points across all bureaus. I contacted the original creditor and collection agency and the account was successfully deleted from my report- however my credit score was never corrected to compensate for the XXXX point drop. 
My score before the item was added was : XXXX Transunion XXXX XXXX XXXX XXXX The item was successfully removed yet my score at this time is : XXXX Transunion XXXX XXXX XXXX XXXX Please correct my credit score.

The account that was added in error was successfully removed however the impact to my credit score has not been corrected. At this time the credit score on my accounts is in violation of the FCRA as it reflects what my score dropped to and has not been updated to reflect my score prior to the erroneous 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 2019-03-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

And XXXX did not report that account was in good standing which it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this Complaint cia the help of the CFPB to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. 
XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$910.00} XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$710.00}. I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report. I am including a copy of the dispute letter I recently sent with this complaint for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a curent Section8 government program attend and in XX/XX/XXXX i  found a house for rent that accepted housing vouchers to provide a safe place for me and XXXX children payed on time as well as deposit, through out the whole time of lease with XXXX they failed to provide safe housing so after 2 years of heating issue, mold which i have XXXX   children my housing manager found the house unsafe and home went into abatement and i had to move the lease was terminated due to their part of not providing safe housing while on the program, they have threatened to sue me as well as garnish my wages, they have reported on my credit redeckless amounts that werent owed as well as a company that i never rented from ..My lease was with XXXX  and its reporting XXXX XXXX which i have neved leased with i have all proof and left owing nothing when the home went into abatement due to the repairs of the home I had to move because they have failed to provide safe housing which they knew before a accpeting a section 8 particpant rent paid by the goverment. I didnt recieve my deposit back and they are reporting i owe them which cant be true i have all recipets, documents and even the letter of abatement giving them 30 days to fix repairs and they failed they have just put my family through XXXX and now lying saying i rented from another company. Please help as im trying to but a home now off the Goverment program i had to relocate my kids which XXXX where XXXX right around XX/XX/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 2022-05-27
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Re : CMRE Financial Services , IncXXXX Account # : XXXX and any other one of my accounts with CMRE. 

First, CMRE Financial Services , Inc. ( thereafter " CMRE '' ) has continuously violated my rights under the FDCA by illegally harassing me ( by calling me before XXXX XXXX  or after XXXX XXXX calling me during my work hours when I have repeatedly asked CMRE to stop doing so, making my phone ring for long periods of time ) and my family; and failing to respect my privacy.

CMRE alleges that I owe debt it wishes to collect. I have repeatedly requested that CMRE send me an itemized list of all such debt. CMRE has repeatedly refused to do, only sending me piecemeal documents that are impossible to reconcile and therefore completely misleading. I have repeatedly requested that CMRE send me a consolidated and itemized list of all debt CMRE alleges I owe so that I can verify that CMREs allegations are legitimate, valid and truthful. Without such list, it is impossible to verify CMRE 's allegations. CMREs billing is intentionally misleading, in violation of the Fair Debt Collection Act ( FDCA ). Furthermore, I have repeatedly informed CMRE that the hospital ( XXXX XXXX XXXX XXXX ) to whom CMRE alleges I owe debt has illegally billed me, by charging me prices ( e.g. for the visit of XX/XX/2019 ) that are unreasonably and unconscionably above the good faith estimate rate ( a hospital has the legal duty to not charge self-pay patients above the XXXX XXXX XXXX ). 

Instead, the hospital charged me the same rate it charged the insurance company of the party that I thought was responsible for the billing ( due to an automobile accident ) after said insurance company refused to cover said bill. I have also repeatedly informed CMRE that I was disputing bills from XXXX XXXX XXXX XXXX because at the time the services were rendered, XXXX XXXX XXXX XXXX informed me that a co-pay of {$75.00} for each rehabilitation session was the only and final cost I was to pay, regardless of insurance coverage. CMRE disregarded my dispute and reported my accounts to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: NY
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation