BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: Continental Services Group, Inc. d/b/a ConServe
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon, I'm not sure why this is taken so long, but this can not continue to report in error. This is been over 90 days that i disputed this negative account and it's still reporting on my credit report. I was told upon paying this account that it would be removed completely from all the 3 major credit bureaus. And yet, only one of them removed it from my credit report and i'm still waiting for the other 2. I don't owe the debt but it continues to report incomplete and incorrect, and unverifiable information. I'd rather no waste anyone 's time going back and forth and would like that this is deleted from all the major credit reporting agencies effective immediately, please. This is in violation of both fcra and fdcpa on the way it's reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help U S DEPT OF ED/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 2023-07-10
Company: EQUIFAX, 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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXXXX/XX/2022 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Revolut Technologies Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This complaint is regarding my personal account with email XXXX and my phone number is XXXX. My account was locked by an automated system without warning and I have been unable to access nearly all my money for two days. I made a mistake in trusting Revolut and moved almost all of my money to your platform right away. Because of this block, I have faced late and bounced payments fees, the inability to purchase necessities, and immense stress. I immediately sent in all the requested information via chat to the compliance officer and I did not get a reply or confirmation. I have not been able to contact anyone in more than 24 hours - the single point of contact you provide, in-app chat, is not responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: STERLING JEWELERS, INC.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
Kay Jewelers in XXXX Ohio XXXX allowed my son to purchase a wedding band and a diamond band on my Kay credit card with out my knowledge/approval I brought it to their attention as soon as I noticed it on my statement over a year now they refuse to do anything about it, say it is my responsibility.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17
Company: National Credit Adjusters, LLC
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 belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... NATIONAL CREDIT ADJUST XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Caine & XXXX continue to send an account with my name on it to collections affecting my credit score and the amount I owe keeps changing the most recent was {$660.00} and but just a couple months ago it's was {$230.00} which makes no sense and they have yet to contact me in any form at all and I believe this a very unprofessional way to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: CA
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 received my credit report on XXXX  and noticed there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved credits and loans. I already reached out to the credit bureasus about this multiple times and they keep violating my rights under 15 USC 168b. 

XX/XX/ - hard inquiry - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - hard inquiry - XXXX XXXX XXXX XXXXXX/XX/ - hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX  - hard inquiry - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  - hard inquiry - 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 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have submitted all necessary information to do a through investigation with the three credit bureaus the Bankruptcy reporting does not belong to me. I have submitted all supporting documentation to the reporting agencies that supports my claim. I mailed my correspondence over thirty days ago and still have not received a response to the referenced derogatory 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 2021-11-09
Company: Experian Information Solutions Inc.
State: MD
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:
My credit card company reported my balance as {$0.00}, which was correct, to experian. And then a few days later they reported my balance as {$210.00} which was false. I made a payment of {$210.00} before my closing date so that my balance would be {$0.00} on the closing date and report as such. It caused my experian fico to decrease 13 points

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 2023-07-11
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: Account status incorrect

Complaint:
After review of my credit report, I found that the XXXX XXXX XXXX had me in collections. First and foremost I never had a Credit Card with the XXXX XXXX XXXX When I contacted them they had ABSOLUTELY NO KNOWLEDGE OF MY HAVING ANY ACCOUNT WITH THEM OF THEIR ASSOCIATE BANKS... So they stated that I should contact XXXX XXXX XXXX XXXX. I did. I sent XXXX XXXX XXXX  a Debt Validation Letter.

I was told by XXXX XXXX XXXX that my account with them was paid years before and that this account long ago should have been removed from my credit file. 
When I informed them that it was still on my credit report they said they did not understand why, They told me they would send me a letter to verify this. 
I do not understand why the XXXX XXXX XXXX has me in collections when I have never had a Credit Card with them. And even if they are the bank that issues Credit Cards for another company, then that company should be the one to place me in collections not The 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 2021-07-08
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like an update on the formal complaint that I wrote to you on XX/XX/2021 about seeking help resolving the problem that I am having with the collection company, CMRE Financial Services Inc.

The reason I would like this update is because I receive another letter from CMRE, the following week saying that the account was validated. This is a complete lie, I asked for validation as well as method of validation documents, I asked for the HPAA release ( along with other documents as proof of validation ) for that I supposedly signed saying that I consented to releasing my medical information to a third party mainly, CMRE.

CMRE Financial Services Inc is willfully acting in bad faith and lying to keep unverified negative accounts on my credit report. I have not received not 1 certified letter or even regular mail of the requested supporting documents I asked for under the FCBA. 
Please help me because I am trying to by a house. Its hard enough being a XXXX woman in XXXX as it is. I am not a bad person. I have never ever been arrested and all I want is to be treated fairly. I dont understand why that is so hard!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2021 I have been disputing, inaccurate accounts on my credit file up until now currently. I sent over 8-10 dispute letters to XXXX XXXX and TransUnion along side with my FTC report that these accounts showing on my credit it's inaccurate and its not mine how ever I sent numerous letters after that asking for verification of the accounts the said was verified, I never received that prove of verification. I went ahead and dispute with creditors but I never received any reply to my dispute I then forward all this information to the credit bureau 's and they still didn't remove the inaccurate accounts from my credit report, I then compare details of the account 's showing from all three credit bureau 's with different information reporting which I pointed out on the credit report I pull from identityiq they all was reporting different information on my credit file and with this act its hurting me and very stressful knowing I did everything correct and they still decided to report inaccurate information on my credit report.

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 2023-06-29
Company: EQUIFAX, 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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Balance : {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My service prover Mr. Cooper is charging me for a bridge homeowners policy that they bought because they are stating that I had a lapsed policy. I have provided to them documentation that shows I had no lapsed policy ever, period in question, XXXX XXXX XXXX XXXX. 
I have asked them to cease and desist with these harassing emails and communications and to credit my account as I owe nothing to them. 
I suspect this may be a scam and that they are doing this with other customers.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: DISCOVER BANK
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:
I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report DISCOVER FINANCIAL SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX is reporting a chargeoff on my credit reports. 
this is false and unauthorized. 
i have paid all my accounts please remove this chargeoff.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2020-09-29
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 information incorrect

Complaint:
XXXX is reporting a chargeoff on my credit reports. 
this is false and unauthorized. 
i have paid all my accounts please remove this chargeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I purchased my home, I took out a mortgage with HomeBridge Financial Services. Everything has been great, up until this last year. The mortgage company escrows my insurance and taxes, and my insurance is due in XXXX of each year. In XXXX of XXXX, my insurance agent mailed the invoice to the mortgage company. In in XXXX of XXXX, HomeBridge sold my mortgage to a new servicer. I received my new statement for my new servicer & my payment increased by $ XXXX/month. When I inquired, it was because of the escrow. I found out through my insurance agent that HomeBridge never paid my insurance policy in XXXX of XXXX. I immediately called HomeBridge, they refuse to speak with me because I am not longer a customer ( since they sold my mortgage not even 1 month ago ). I finally got through to someone who in turn hung up on me & told me they wouldn't help me. She informed me that they forceplaced insurance in XXXX of XXXX because the home needed to have insurance ( OBVIOUSLY! ). If they would've paid the invoice that my agent sent in XXXX, this would never have been an issue!!!! Insurance rates have skyrocketed in my state, so now to get a new insurance policy in place, I have to pay for new inspections, and my premium is going to be MUCH higher than it was when my agent sent the invoice back in XXXX. I am out HUNDREDS if not THOUSANDS of dollars because HomeBridge is incompetent and refuses to take responsibility for their mix up. The woman at HomeBridge acknowledged they never tried to call me, but they may have mailed me something ( which I never received ). How could I have fixed this if I didn't even know it was an issue????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: ACIMA CREDIT, LLC
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: Account information incorrect

Complaint:
I have reviewed my consumer credit report and I noticed an unauthorized accounts from ACIMA DIGITAL FKA SIMP account under 15 USC 1681 number 3. XXXX assumed this role without permission not only that you did not have my consent. XXXX did not respect my privacy pursuant to 15 USC 1681 a number 4. XXXX did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report. XXXX also is the only reporting agency reporting this account. They also have all of the payment history for each month as a collection this was never reporting of 30, 60, 90 days late. Please see attached.

Company response to consumer: Closed with explanation