BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The original debt is from the City of XXXX and it was sent to collections company by the name of CMRE Financial Services.  the original bill is dated XX/XX/18. This is a bill that should be covered by XXXX XXXX as that was my insurance carrier at that time. the company refused to send the bill to XXXX so sent it to collections and it is now a ding on my credit report. I called CMRE a few times with the XXXX information and they refuse to send the bill to XXXX. I believe it is unlawful to bill a person covered by XXXX. I sent the City of XXXX and CMRE a copy of my insurance card and they refuse to process the billing. The amount is {$1900.00}. The bill from the City of XXXX has an address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. CMRE XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: LJ Ross Associates
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from XXXX ( XXXX XXXX XXXX XXXX ) and returned the call. They demanded the last 4 digits of my social to confirm my identity and refused to tell me why they were calling without that information. Since I don't recognize the business or know of any outstanding debts they might be collecting on, I am assuming their behavior is suspicious and would like to get ahead of the behavior by reporting them. I would expect a legitimate debt collector to provide me with an invoice by mail. I can also find nothing on my credit report. Given what I've seen about this company online, I want to get ahead of the issue with this report before they continue with more nefarious behavior.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Consumer Finance, On a recent review of my credit report , I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2023-11-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I try to pay my mortgage by the XXXX but for XXXX my pay period came after that so I was going to pay and I knew there would be a late fee. My mortgage is with Lakeview Loan Servicing XXXX and according to the reports I've seen they were hit with a cybersecurity attack and many people were affected. The thing is the website has been down for over 2 weeks and the customer service line has no information on our loans! I don't want to be in default of my loan! It's now XX/XX/XXXX and I still can't make a payment. I don't want to have a negative mark on my credit because of this.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: OH
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2020-02-26
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:
BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO THE BUREAUS AND ALSO TO THE COMPANY WHERE THE FRAUDULENT ACCOUNT WAS OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I refinanced my rental home and my loan was sold to XXXX XXXX on XX/XX/XXXX. I received a mortgage statement in XX/XX/XXXX for 2 months of mortgage payment. That was paid in full in the month of XX/XX/XXXX. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from 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 2023-04-26
Company: MANN FINANCIAL INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The lender issued a 12 month construction financing note on XXXX, 2021, prior to my building permit being issued. This is a highly unethical business practice. The clock starts as soon as the loan is funded. In 2021, building permits were 6 months or more months behind on getting issued. The delay in permitting, received late XX/XX/2021, eventually led to massive price surges on the builder aspect. The lender then agreed to provide the additional funding to satisfy the increase without supplying me a new loan disclosure. This took even longer to obtain which led to my project being further delayed, XX/XX/2021. By the time the builder was going to start anything XXXX full year had gone by and another price increase later. I could no longer afford to even begin construction so i was charged a massive fee by the builder to cancel. As a partner-builder-lender, you should have done more to protect me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and my personal information was stolen and a credit card account was opened with Bank of America. I did not benefit financially or otherwise from this account and I filed a Police report with my local law enforcement agency along with also filing a report with the FTC outlining the details of this incident. I also mailed in a notarized theft affidavit affirming under penalty of perjury that the information filed is true and correct. Bank of America has still continued to report this account and is illegally attempting to collect a debt from me that i do not owe. 
This is in gross violation of good banking practices and federal law. This has caused me to be denied housing and also employment opportunities, and the bank is willing to use this as leverage to force me to repay a {$10000.00} debt that I do not owe.

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 2023-11-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not want this information to continue affecting me because it is in my report in a negative way. I want it to be reviewed and eliminated now. 



XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Receivables Management Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was seen at XXXX XXXX  XXXX to receive stitches in my hand. I provided my insurance information to the XXXX. I received a co-pay bill from the hospital for {$170.00}, which i paid. Then received a bill from the doctors office later on. XXXX XXXX XXXX XXXX XXXX, who said it showed that I was self pay. I informed them that this is incorrect, and provided them with my insurance information. I was assured it was taken care of. I then received a collection bill from RMP Services LLC. I reached out to RMB Services and relayed the same information with my insurance information, and was assured that they would settle the debt with XXXX XXXX XXXX XXXX. After financing a vehicle, I noticed that the debt had gone to my credit report. I contacted the credit bureaus today and filed disputes, as well as again contacting RMP Services and speaking to XXXX. I gave him my health insurance information, and he assured me that they would go through XXXX XXXX XXXX XXXX to address the insured debt. At this point, I've contacted both agencies numerous times via phone, and received no resolution. I now have a collection reported to my credit that was handled before the debt ever went to collections and no one seems to have any information to assist. Honestly unsure how to proceed from here

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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 was result of identity theft

Complaint:
2 Accounts Navy Federal Credit Union that's reporting closed I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: MN
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:
My XXXX XXXX credit card and credit card account : XXXX issued by XXXXXXXX XXXX thats currently listed on my Experian and XXXX credit report is lost/stolen. My XXXX XXXX credit card and credit card account is lost/stolen.

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 2021-12-08
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:
I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-02-15
Company: TCF NATIONAL BANK
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX financial services continued to contact me at my work place after I repeatedly told them to stop calling. They also have contacted my mother, my ex wife which neither are on the loan. They have sent someone to my house that refused to leave until I call XXXX XXXX, that person drove in my yard and ruined my grass because he said he was to old to see at night. This is considered in my opinion harassment, I have had my loan for over 3 years and have never been 30 days late.I am getting headaches and body aches because of the constant pressure that they are applying. I have never experienced this, I have had over 5 car loans, multiple mortgage loans and no company has treated me in this manner. The representatives are very rude!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This complaint is actually to a 3rd party that advised that I would greatly benefit from their assistance to file for the Borrower Defense to Repayment ( BDTRO ) to potentially have my loan forgiven due to the University 's fraudulent actions to get students to join. The company I worked with is XXXX XXXX XXXX  ( XXXX ) and they charged me {$1200.00} to take my info and submit the BDTRO application to the Department of Education on my behalf. This process started in XX/XX/2018. The BDTRO application was eventually confirmed received by the Department of Education on XX/XX/18. I had followed up on a few occasions with XXXX but they never had any info on the status of my application. I called the Dept of Education directly at the BDTRO hotline where I was advised that I should contact the Consumer Financial Protection Bureau since anyone can submit a BDTRO application to the Department of Education for free and there is no need for a 3rd party to complete this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with bank of america around XXXX 2014 for XXXX and i didnt have ny card yet so i had to go to the bank to take out cash so the 3rd time i went i was told that i couldnt take out any money and that i had to call and figure out why it took me 2 hrs to find out that they closed my account and they really couldnt tell me why ive recently learned that they are being suied and needed to file my claim as quickly 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 explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Consumer reporting agencies XXXX, TRANSUNION & XXXX are violating my consumer rights with respect to furnishing unlawful consumer reports on my behalf. XXXXFR Title 15 USC 1681a 2 clearly states the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; these consumer reporting agencies are in clear violation of the law furnishing information in the status section of my consumer reports containing nonpublic personal information solely to transactions and experiences between me and the banks making the reports. They are to lawfully be deleted immediately. There are over a dozen accounts where consumer reporting agencies are in clear violation of the law in the furnishing of my consumer 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 non-monetary relief
Consumer complaint received 2022-08-08
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 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 a account without my written instructions

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