BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: CMRE Financial Services, Inc.
State: OK
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:
On XX/XX/XXXX I received a voice mail from CMRE regarding a collection. The phone they called from was a fake number from XXXX, OK XXXX. Upon calling the number it just went to voicemail. I went to their website and found an email and sent an email which bounced back and said wasn't a valid email. I then proceeded to call their XXXX number 4 times and could not get through.I finally found another number I got through on that is XXXX. 

On XXXX I received an alert that a collection had been placed on my credit for {$3800.00} from CMRE. I immediately called and talked to a XXXX on the phone. She kept wanting me to confirm on the phone that I had received the bill 4 times. I haven't. I hadn't even heard of CMRE until the the XXXX of last month. I told XXXX that I wanted a full detailed description of the collection which she seems reluctant to send me and hung up on me on the phone. 

I had a XXXX XXXX in XXXX of XXXX at XXXX XXXX in XXXX Oklahoma. My insurance company had approved the XXXX. My part was supposed to be {$2400.00} until XXXX tried to charge me the entire amount of {$60000.00}. I immediately contacted the insurance company I had at the time and they were trying to get out of the agreement. A {$60000.00} collection hit my credit and not until I promised legal action and contacted to XXXX  XXXX XXXX was the issue finally handled. The original collection come off my credit and the balance of the {$2400.00} was forgiven due to the fact that the insurance company gave the hospital the run around. 

I can't remember who the original collection agency was as it is not on my credit anymore. CMRE has not sent me any correspondence regarding this collection which is now on my credit. I have zero problem with paying a bill. I'm paying for my past mistakes. I do believe this is a fraudulent collection that I have never been contacted over and has now hit my credit. I have disputed the collection with the credit bureaus but do not want to go down this road for the next year fighting a collection that I have never known about. I want CMRE to do the right thing and contact me and send me the itemized list of the collection and to immediately remove the collection from my credit report. They say they just obtained the collection in XXXX of XXXX. I do not feel this collection is valid and unless someone steps in I will continue to have this collection on my credit. If I owe it great, If I don't owe it that needs to be addressed too. However, me just finding out because a collection hits my credit is not acceptable either. 

Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX CMRE Financial Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Consumer submitted dispute more than 60 days ago. I Also sent several certified documents still havent received a return receipt nor a reply by mail for a dispute. Ive contacted Equifax more than 10 times through phone to let them know of the violations that has been committed due to the false information account of XXXX XXXX XXXX XXXX. I have no affiliations with this company that is listed on my credit report and I demand that it is permanently removed due to the fact that it is false information and incorrect. As an XXXX citizen credit is something that is important and I have been discriminated by jobs, apartments, and a vehicle. I was fired by my job due to this false account being on my credit report. This has cause me so much XXXX  and XXXX problems where I am now on XXXX and I am attaching an invoice of payment for the damage that was caused by Equifax listing incorrect and false information on my consumer report. Here are the violations. For the sake of juridical purpose, I am willing to settle this matter out of court if you are willing to comply and fulfill the demands I am asking of you. Please read this portion carefully. I am only allowing no more than 72 hours 3 calendar days for this matter to be resolved or I will be leaning towards litigation. 
Pursuant 15 USC 1611 Pursuant 15 USC 1611 ( 3 ) Pursuant 15 USC 1681 ( a ) ( 3 ) Pursuant 15 USC 1692 ( e ) ( 3 ) Pursuant 15 USC 1692 ( k ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions 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:
MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 

requesting validation of debt. They reponded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPAA form authorizing access to any such medical records. 

THESE ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} # XXXX {$2400.00} # XXXX {$1500.00} # XXXX {$1400.00} # XXXX {$92.00} # XXXX {$680.00} # XXXX {$520.00}

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 2022-07-05
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I was in a the market to shop for car and they pulled my credit from few different lenders without disclosing it with me. 
I tried to dispute it with XXXX, Experian and XXXX and i did not get a proper respond. I'm very upset that those hard inquires is going to be on my credit repots which I did not allowed it. I would appreciate it if we could get those removed. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB, Back in XX/XX/2018 I made an order online and the merchant is oversea however I had not known the real name of the seller until I received the confirmation of the order in 30 minutes after I placed the order I absolutely regretted about my order with the merchant because I was disappointed about other order that I made before XX/XX/2018. After I received the confirmation and I knew the real name of merchant I contacted the Paypal credit about the problem I got with the merchant because I wanted to make Paypal credit know that if I got wrong item I would return them with merchant return/shipping cost. Later I received another confirmation from merchant once items shipped with items details and there were wrong size items this was my second time got trouble with the merchant. 
Why I mean the merchant real name above because my second order with XXXX   they are holding fake name ; they are same as one with my first order. Then I received package a month later and I returned it back however I did not open package because I knew they were not ones I want. I made dispute with Paypal credit but they keep asking for my responsibility to this purchase. I do not think it is right. I am seeking for your help and I look forward to receiving your response. Thank you. 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 monetary relief
Consumer complaint received 2019-04-18
Company: GREAT LAKES
State: IL
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:
On XX/XX/19 made an excess payment on my student loans. This payment was not applied to the loans with the highest interest rates despite my account settings being set to do so, and despite the loan service 's website claiming that excess payments are applied to the highest interest rate by default. They ignored both my preferences and their own guidelines. 

This is not the first time I have had this 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 2020-11-06
Company: SinglePoint GI
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I noticed that General Revenue Corporations has placed two collections on my credit profile claiming that I owe {$1600.00} and {$1400.00} to the College of XXXX XXXX. I have never even attended that school. These debts do not belong and I don't owe anything. How can I owe a school that I've never attended!!!!?????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company PORTFOLIO RECOVERY keep harassing me with over 1000 phone calls about an account that does not belong to me, I have begged and pleaded with them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: CCB Credit Serivces, Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX emailed company no response and again reached out XX/XX/XXXX again no contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report along with a deletion letter from XXXX XXXX  XXXX . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi & good evening! - Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: PA
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 disputed the same account on my credit file three times, because it was fraud due to identity theft. Someone has been using my credit on and off for over 7 years. Equifax investigated it but did not remove it, saying that it belongs to me, but did not give any reasons or any proof. There are no reasons, because under [ 15 U.S.C. 1681c-2 ] : (  A ) the information was not blocked in error and a block was not requested by the consumer in error ; ( B ) the information was not blocked, or requested to be blocked by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; ( C ) the consumer did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 

I filed a complaint against them for not removing the account with the CFPB- COMPLAINT ID XXXX on XX/XX/2019. Equifax re-investigated the account, and just came with the same conclusion that it belongs to me. With no evidence or reason. I have had enough, and am ready to bring my own civil action against this company for violation of section 607 ( b ), if it is not removed within the next 14 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, 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:
Yesterday I went to the dealership, shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department. I am doing this on my own and I need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Lustig, Glaser & Wilson, P.C.
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:
Hello PLEASE READ the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The XXXX 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney Lustig, Glaser & Wilson PC. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to XXXX and XXXX. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts XXXX laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: CO
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:
In trying to work with Equifax I had to answer identity questions. I understand how important it is to be the person I say I am, but the questions Equifax required me to answer where questions from many years ago and not easily remembered by people as they get older such as credit cards that were closed years ago or a particular bank that may have held a mortgage that was closed years ago. This is especially true as all these small accounts and payments to them where handled by my wife and I don't know those details off the top of my head, and she isn't around. What can be done to update these questions or make them something that can be answered if I am away from home and need to do something with a credit agency? 

Date of issue was today, XX/XX/19 in the evening

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
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'm truly upset because I recently applied for a credit card and got denied so I go home and checked my credit report. I immediately notice things on my credit report that are not mine. This saddens me because it so easy for people to hack your information. I have contacted the FTC and my local police. These Items are not mine and I need these items removed from my credit report 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 non-monetary relief
Consumer complaint received 2019-04-18
Company: CCS Financial Services, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following appears on my XXXX report stating the balances are due for XXXX  : XXXX XXXX XXXX, XXXX {$90.00} Open Date XX/XX/XXXX XXXX XXXX XXXX, XXXX {$170.00} Open Date XX/XX/XXXX My insurance policy was cancelled at the end of XXXX, and I was not covered under XXXX  - nor did I owe any money for time in-force The policy stated : if you do not pay the renewal premium on or before end of the insurance period, then the policy will be canceled. 

Consumers can not be charged for a terminated/canceled policy. Furthermore, I was covered by another insurance provider for/during the period they are trying to collect on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: BARCLAYS BANK DELAWARE
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:
Hello PLEASE READ the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The Barclay 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney XXXX, XXXX XXXX XXXX XXXX. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to XXXX and Barcalys. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts 93a laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.

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