BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I filed a Chapter XXXX Bankruptcy Petition, which included my mortgage debt with XXXX XXXX. I did not reaffirm the mortgage during the bankruptcy proceedings. My Chapter XXXX Petitioner was closed with all listed debts discharged on XX/XX/XXXX. I know the mortgage on my home continues a debt against the property but my personal obligation for the debt was discharged. XXXX XXXX   continues to report my mortgage account to credit reporting agencies, including Experian. I have notified Experian and XXXX XXXX  that the information shown on my current credit report is a violation of the Bankruptcy Discharge, but they refuse to remove the information from my credit report. I am attaching a copy of my Bankruptcy Petition and Discharge with this Complaint. I need help getting this information removed from my credit reports, as it is adversely effecting me and my family. I did not want to file for bankruptcy protection but as I did, I am entitled to the protections granted to me by the Bankruptcy Court.

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 2021-09-12
Company: Chime Financial 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:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. IM SEEKING A COURTESY ON A LATE PAYMENT DUE TO UNCONTROLLED HARDSHIPS. PURSUANT TO 15 USC 1666B, FAILING TO PROVIDE A STATEMENT 21 DAYS BEFORE THE LATE PAYMENT IS A VIOLATION OF MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been in contact with the company about things on my report I don't recognize. The insist that the items in question are mine without providing proof, which is my rights to have based on fcra rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CITIBANK, N.A.
State: WI
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:
Despite open disputes between XX/XX/XXXX and XX/XX/XXXX written and certified documentation has been forwarded to all three credit bureaus about a past creditor, ( Macy 's ) department store revolving charge account who reports a past due charged off amount of {$4400.00}. My attempt to amicably resolve this issue has failed ; in accordance with the Fair Credit Reporting Act section 616 and  section 617 if the items are unverified, they are required to be deleted immediately. According to FCRA, physical verification of the original signed consumer contract is a requirement before credit reporting consequently I have demanded to see their verifiable proof, ( an original consumer contract with my signature on it ) the creditor has refused to furnish appropriate debt validation ( see attachment ). XX/XX/XXXX, I spoke to a manager and Macys 's  representative listed on my bureau report file who verified Macy 's original creditor is XXXX, XXXX XXXX XXXX XXXX and the account was sold in XX/XX/XXXX and no further collection activity is optional. Despite my repeated request to date I have not received any " verifiable proof '' of this debt from the original creditor or collection agency. Because the account is sold any creditor ( s ) is obligated to adhere to the same statues described above to avoid violating my rights as a consumer.

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 2021-05-22
Company: Experian Information Solutions Inc.
State: NJ
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:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please Remove inquiry From My Report. 
XXXX XXXX Date of inquiry : XX/XX/2021 2.Please Remove inquiry From My Report. 
XXXX XXXX XXXX. 
Date of inquiry : XX/XX/2021 3. Please Remove inquiry From My Report. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 4. Please Remove inquiry From My Report. 
XXXX Date of inquiry : XX/XX/2021 5. Please Remove inquiry from my Report. 
XXXX Date of inquiry : XX/XX/2021

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 2021-02-23
Company: EQUIFAX, INC.
State: LA
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 have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Vericred Solutions LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Filed a complaint against vericred solutions with CFPB on XX/XX/2020 requesting 7 documents.Vericred did not send the following 5 documents. 
1.proof that they own this debt. 
2.proof that they have the right to collect this debt in my state. 
3.proof that they carry a bond. 
4.proof have they access the outstanding debt. 
5.payment history from the original creditor. 
Under the fair debt collections practice act I am allowed to request verification from third party collections agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CMRE Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XX/XX/2019 I was in XXXX for a month and had to go to the XXXX XXXX Hospital. I saw a nurse and got an XXXX and that was all. I signed documentation for free health Insurance and medical bill coverage because I was not a resident and under the age of 21. I submitted it to the front desk at the hospital and she said I was good to go. A year later I was put into collections for XXXX $ under CRME FINANCIAL SERVICES they did not disclose any account information to dispute it or to pay it off. When I called the collections agency he told me I am being charged for an XXXX and to see a doctor. However, I only saw a nurse and got an XXXX  Plus I signed documents for free medical and financial Assistance for the medical bills and was given no information about an account or remaining balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I never Realized that I was Giving 5he Bank the right to Deduct {$30.00} a Month for YEARS on my deposit. I never had money before. This was a substantial amount from my mom 's estate which never came to her when Alive! Well over {$180000.00} which I believed would be there for later years Earning Interest! It was there for my children and a few seldom charges. I Told them it was Not my daily bank. It was to sit, to be There! I have nothing now. I am Scared. I feel I was robbed. I want Restitution of my Money!

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 monetary relief
Consumer complaint received 2020-11-19
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2021-02-27
Company: EQUIFAX, 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:
I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2020 Ive mailed dispute to the credit bureaus certified XX/XX/2020 Ion day 43 days XX/XX/XXXX I mailed out second dispute letter for removal due to no response the deletion process should have been 15 days it is now 15 days and accounts still 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 explanation
Consumer complaint received 2020-08-26
Company: Ascendium Education Group
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Based on the statue of limitations. XXXX  aka AES aka XXXX is showing up as a negative impact on my credit report. Ive hired credit repair attorney XXXX XXXX and I would like this student loan removed from my credit. Its renewing itself and the date is showing up as unknown. Please contact me at XXXX or XXXX XXXX needs to be removed too. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS TO GET THIS ACCOUNT VALIDATED PURSUANT TO 15 USC 1681A ( E ) OR PERMANENTLY REMOVE IMMEDIATELY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ).

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 2021-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent XXXX, Transunion a total of five disputes now, all sent certified mail with receipts. They have failed to do a proper investigation into these accounts. They keep sending me papers saying either " UPDATED '' or " VERIFIED '', i have asked multiple times to send me proof of how they verified these wrongful accounts and they ignore me. per the FCRA they must send me proof of verification including who they talked to when how and documents that support these claims. i have now sent them a last letter telling them i will be seeking legal action if they dont fix these items or show me proof of how they are verifying these accounts, i know they cant be actually verified because these supposed accounts wont even speak to me since my ssn doesn't match any records they have on file. they are now claiming they will not re investigate without any further documentation that supports my case. How am i supposed to send them anything or proof of my case if i never had any accounts with them! i haven't missed any payments on any of my other accounts now my credit is taking a false hit! totally unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAINE & WEINER has flagged your account as Collections on XX/XX/2020. 

Source : Not known XXXX Company : CAINE & WEINER Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Activity : Grid Code G ( Collections ) Balance Date : XX/XX/2020 Balance : {$250.00} I have contacted this collection company and disputed on my credit file. The original creditor was XXXX XXXX. I have spoken to XXXX told nothing was owed when my policy ended. But continue calls from the collection company stating it doesnt matter if XXXX stated debt was paid collection agency can still collect. This company is causing my credit to drop for XXXX that I do not owe. Please help me. How do people get help if collection companies can put anything on their credit and harassing you over and over. They call telling you how they can mess up your credit if you try dispute something on your credit report. I have 2 credit collection agency who continue to remove the same item and reinsert it at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Altisource Portfolio Solutions, S.à r.l.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
COLLECTOR KEPT CALLING MY CELL NO. ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX AND CALLING TO COLLECT XXXX XXXX XXXX DEBT.

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 2018-02-20
Company: Nelnet, Inc.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My studen loan servicer is Nelnet. They notified me at the end of XX/XX/XXXX that they will no longer accept credit card payments as a form of payment. I'm a US citizen that lives and works in XXXX XXXX and currently do not have a US bank account. I contacted them about this in early XX/XX/XXXX to see what other alternative payment options overseas borrowers may have - after several calls and emails, I was told a prepaid card would work. I obtained a travel prepaid card that allowed me to load US currency - this was declined by Nelnet. They then told me the card needed to be a prepaid card coded as debit. I met with my bank in XXXX XXXX and they helped me track down a prepaid card coded as debit that allowed me to load US currency - this was declined by Nelnet. Nelnet put my account into forbearance until XX/XX/XXXX ( without my permission ) saying that they would find a solution for me in the meantime. It is now the end of XX/XX/XXXX and I have not heard a word from Nelnet. I've continued to send emails and they either don't respond or reply saying that I can use a prepaid debit card - they don't actually address the problem ( that the prepaid card coded as debit doesn't work on their end ). Once I can plan a visit home, I will open a US bank account in my name - but I am not able to do that unless I am physically present ( I tried opening an account through numerous banks ). Unfortunately, I can't just hop on a plan to the US for the sole purpose of opening a bank account ( airline tickets are around XXXX dollars ). I believe Nelnet is intentionally not responding to my emails now. I have also lodged complaints with the Department of Education. The first response from the Department of Education was to close my case, saying their records show Nelnet gave me a solution. I lodged another complaint saying that Nelnet did not give me a viable solution as their advised forms of payment were not accepted. This complaint is currently open and is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed 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 explanation