BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-03
Company: Mountain Run Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Mountain run solutions has called and texted me. I do not have an account with them nor have I had an account with XXXX in which whom they alleged they purchased the account from. Mountain run stated someone named XXXX XXXX signed the paperwork with his name. used his debt card do pay for their service but had the service in my name. That is the first red flag of a fraudulent account when XXXX or mountain run should have never activated service for him without showing a pictured ID.

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 2021-07-11
Company: EQUIFAX, INC.
State: MA
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 recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account number : XXXX - Original Creditor : XXXX XXXX It saddened me to learn that you somehow Equifax verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report. 

Note : XXXX XXXX was removed from my XXXX  report on XX/XX/2021! 

I am very interested to learn how Equifax 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that Equifax spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Equifax via email, fax, mail and on the phone with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a loyal customer with Capital One for a total of 7 years now. 

In the past year I tried increasing my credit limit both over the phone and online I have call several times around 30 or 40 times in total in the past year and this year so far explaining to customer service reps and manager that I have perfect on time payment history as well as low utilization on my account and that Capital One has denied my request over and over again saying that the account is not eligible for a credit line increase. 
It has been a year since there has been a credit line increase in the account. 

I want it to be taking into consideration not only that I have been a loyal customer with Capital One but also that I have perfect on time history and low utilization in the account and I wish more than anything as a loyal paying customer to received my credit line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/2021 I sent in a debt validation letter which wasn't answered, according 15 USC 1692g which said I can ask for debt validation. 
my information was sold to CMRE which was a medical account from XXXX XXXX XXXX XXXX 
15 USC 1692d I was being harassed by this said company CMRE to pay a debt which was reported to my consumer report which harmed my reputation with others. 
account was paid but harm was still on my consumer report from this matter. 
pursuant to 15 usc 1692h if any consumer owes multiple debts and make any single payment to any debt collector with the respect to such debt, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the Consumer directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a hard working citizen of this country that is being punished for mistakes ive made when I was much younger I can not even get a decent place to rent. I have been working on my credit since last XX/XX/2018 and my score goes up to about XXXX then descends vastly overnight as soon I apply for a mortgage. How am I supposed to get a lender to approve when my score drops XXXX points overnight? This has happened to me several times recently so I'm accruing hard inquiries without being taken seriously. I need help I'm struggling my landlord is selling the home we live in and I can't purchase that property and cant even rent an apartment.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14
Company: Riverwalk Financial Corporation
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried on several occasions to apply for law enforcement jobs, but everytime I presented my degree I was turned down and when asked why, I was told the degree had no merit, I have since found out that the school was/is under scrutiny with several courts, One being in XXXX XXXX by there Attorney General XXXX, where she sues XXXX for using deceptive marketing to lure students into thousands in debts as well called for the closure of its criminal justice program, due to the fact that XXXX falsely convinced students that they could pursue law enforcement with agencies only to find out that the school was only nationally accredited and in order to purse such a carer the degree needed to come from a regionally accredited school. 

I do not know how long this has been going on, but I am asking for some type of closure or either some type of assistance in rectifying this horrific crime set out by XXXX. 

I have been shuffled around from XXXX to a company called XXXX then to a company called XXXX now the secondary loans are held with XXXX. XXXX XXXX XXXX XXXX XXXX with a balance of XXXX $ I have attached information from the school referring to my federal loans which Ive actually have already put in action with student financial aid department a claim as well. 


I am not one that does not pay their bills I have been trying to make as many payments as I can to keep my credit up..All I am asking is for a fair look at my situation. I am not in default as of yet. Thank You for hearing me out, Before I end, I also do not truly believe that everything that was signed was truly my signature, for that matter I don't know all that was signed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Some accounts were not being accurately reported on my report I called around XX/XX/2023 to have the correct information corrected and no action was taken. I could not access my credit report around XX/XX/2023 due to identification issues. I had sent the requested identification to update the record and recieve a copy of my credit report via the mail and did not see any change for a couple of months. And now I do not see anything on my credit report from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Credit Card account # XXXX, collection account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A, states I have a right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: MI
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:
The credit bureau allowed Third party credit investigating bureaus To use my personal information and to file my right to privacy by revealing my financial and personal business for them to use to make a determination on my credit worthiness without my consent which is a violation of my right to privacy and is also identity DEF under the fair credit at consumer law. All consumers have a right to privacy and a right to have their consumer reports reported properly and used properly

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-07-18
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing history shows that the property taxes that are collected with my monthly mortgage payment was disbursed from my account in XX/XX/2021. 
I received a delinquent property tax notice regarding the property taxes on XX/XX/2021. 
I contacted my loan servicing company. 
All that they told me is that they show that the property taxes are disbursed to third party processing company and they are responsible for getting the property taxes paid. 
I have since refinanced but my disbursed property tax payment is still missing ( {$570.00} est ) and I had to pay the installment again thru the close of my new loan plus the penalty ( {$600.00} ). My property taxes have now been paid twice by me yet only the delinquent payment has posted to the County. 
Also, the loan servicing history shows that my property insurance was disbursed in XX/XX/2021 and that has not been posted with my insurance company. When I refinanced a full year insurance premium was being collected thru the close and that amount has been posed to my account. The loan servicing company shows they disbursed the insurance premium but no one can tell me where that payment went because it did not go to my insurance company. 
So, I have paid my tax installment twice and my insurance premium twice. I am out of pocket almost {$1100.00} from my refinance.

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 2022-07-18
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For a year and a half, I have disputed an alleged outstanding balance from XXXX  XXXX XXXX from service on XX/XX/2021. During my visit with my provider on XX/XX/2021, I was asked if I was interested in genetic testing. I made it clear that I was not interested and this statement was marked clearly in my medical chart. The alleged outstanding balance is directly connected with a service ( XXXX XXXX XXXX XXXX XXXX XXXX Includes XXXX Analysis ) that I declined verbally and said declination was clearly documented in my medical record. The continued claim that this balance is outstanding is inappropriate as I did not consent to this service to begin with. 

I have sent dispute letters to XXXX, to XXXX  XXXX XXXX, to the first collection agency XXXX XXXX XXXX XXXX XXXX, and to the second collection agency Professional Placement Services , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-04-21
Company: Experian Information Solutions Inc.
State: GA
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 am having trouble getting the proper information to update on my credit file. I was a victim of fraud I have been moving back and forth from XXXX Ohio  to XXXX, GA. Someone in XXXX OH  has been using my name and information. I have filed a police report with XXXX Police Dept and FTC Identity theft affidavit. Please remove/delete the following addresses : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL   XXXX THE FOLLOWING ACCOUNT HAVE BEEN REPORTED TO THE POLICE AS FRAUDULENT : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXXXXXX 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 2021-04-07
Company: General Motors Financial Company, 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: Old information reappears or never goes away

Complaint:
I have an account reporting on my credit belonging to GM Financial. I purchased a car from XXXX XXXX XXXX in XXXX. In XXXX my job was moving me out of the country and I did a voluntary surrender on this car. In XXXX I had a balance on the car of {$14000.00} but we settled on a balance of XXXX ( see Exhibit A attached ). In XXXX of XXXX met with a judge and agreed on an amount to have taken from my paychecks to satisfy the account. I was garnished from XXXX to XXXX. To my knowledge the balance was satisfied. I held the same job with the same corporation the entire time. But this account is STILL reporting on my credit with a balance of XXXX. This is an illegally calculated and reporting deficiency balance. I have reached out to GM Financial multiple times and received nothing but the court documents. Nothing relating to the satisfaction of the judgement. I find it hard to believe that 10+ years of garnishment has not settled this debt. I am desperately in need of help. According to my credit reports, my last payment was in XXXX, inaccurate! Just with the dates given and proven in the documents attached, this account is FAR past 7 years from default. I will fight with the courts on the satisfaction of the judgment but PLEASE remove this illegally reporting account from all of my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation