BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: CMRE Financial Services, Inc.
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Email to CMRE dated XX/XX/XXXX : Dear Ladies and Gentlemen, I am referring to the call on XX/XX/XXXX when I spoke to you regarding the above mentioned Account. 

On this occasion I have been giving your customer service representative insight into the following circumstances : - l have been visiting the US as a tourist, - That I informed hospital staff that I would not be able to receive correspondence at the address you and they have on file as I was a visitor there, - and having in return been informed by staff that no further payment will be required, as the {$300.00} paid by myself was the standard flat charge for international visitors to the US. 

Based on this information, your service representative informed me, that the case will be placed into a dispute status and will be reviewed by a senior manager. 

Please let me know the outcome of this review. 



Email dated XX/XX/XXXX Dear Ladies and gentlemen, Referring to the account stated in the subject, I have tried to pay my bill 8 times. 

Again, I am not as US citizen, do not have a US address and the address you have on file is that of a friend I visited. 

After it being declined numerous times online, I spoke to one of your customer service colleague. They told me the issue was with my card issuer. 

I called XXXX XXXX subsequently, who added the US address you have on file to my account temporarily. Still, the charge is being declined by you. 

As you can tell, probably also from your records, I am very much trying to settle this matter, however, it almost appears that CMRE does not want me to pay! 

However, after multiple and very costly international calls at {$2.00} a minutes, multiple attempts to pay online, multiple email and multiple call to my card issuer XXXX XXXX, I do feel that I have tried all available options without any success. 

I thus feel that I have done my due diligence in trying to settle this account. 

Therefore, I would ask you to contact me with a proposal on how to settle this account. 
Please contact me within the next five business days either using the phone number below or by responding to this email. 
Phone : XXXX XXXX XXXX Please note that, should I not receive a response within five days, I will make the effort for another few costly international calls XXXX the US to file a formal complaint with your client XXXX XXXX XXXX , XXXX XXXX XXXX, your regulating authority as well as directly yourselves. 


The letters received by CMRE at my friends adress are uploaded as attachments. The first letter came out of the blue as I was completely unaware that I had any debt due to the statement the hospital made about a flat charge for international visitors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NY
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX Account # 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 explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: TX
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 previously submitted a complaint in this matter to XXXX XXXX Card Services XXXX Complaint ID # XXXX XXXX Today I spoke with " XXXX XXXX Executive Offices '' who referred to me to " XXXX Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX XXXX XXXX XXXX even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " XXXX Card Services '' was misleading and unclear. My credit is being harmed by this incorrect information. XXXX Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: VA
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I'm XXXX XXXX XXXX XXXX XXXX  and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 previously submitted a complaint in this matter to XXXX XXXX  Card Services XXXX Complaint ID XXXX XXXX XXXX. Today I spoke with " XXXX XXXX Executive Offices '' who referred to me to " XXXX Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX and XXXX XXXX  even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " XXXX Card Services '' was misleading and unclear. My credit is being harmed by this incorrect information. XXXX Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.

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 2023-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: NC
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. 

Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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. 


I was the victim of identity theft years ago and was unaware of the proper steps to take to rectify these issues and it has spiraled out of control and caused a multitude of financial setbacks in my life. I have notified and provided the creditors as well as the bureaus with documentation stating such in detail and they willfully remain negligent and noncompliant with the law and my rights under these laws and REFUSE to remove these fraudulent and inaccurate accounts and further more fail to do a proper investigation and fail to provide me with any documentation as to how these accounts belong to me when in fact THEY DON'T. I have also submitted numerous complaints with the CFPB as well as my states attorney general as well as disputed these items directly with the bureaus they are listed and as well with the creditors all of which decline to rectify the situation. I am submitting yet another complaint under a separate email in hopes my complaint will be heard and someone will follow through with holding these parties accountable in ensuring they report and maintain accurate and correct information only.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 never initiated these inquiries : 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 2023-12-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/, I check my credit report and noticed it was inaccurate for XXXX XXXX XXXX. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. I also sent in mail dispute to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account with 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: BMW Financial Services NA, LLC
State: ME
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:
On XXXX, I have opened a loan account with BMW financial services for buying a used car from BMW dealership XXXX my monthly payment is {$740.00} for XXXX payment was paid on XX/XX/2022, at that time I was sick with XXXX and was not able to go out until few days after. the total late days were only 13 days but BMW Financial services reported it as 30 days late payment which is totally wrong. I have written up a request ( XXXX ) to BMW financial services asking them to remove that from my credit report with all XXXX credit bureau but they rejected my request. Also, I did dispute it with the credit bureau but the result came back as accurate info. I am attaching a proof from my account page with BMW financial services showing the payment has been received on XX/XX/2022 which means only 13 days late from the initial payment scheduled date. 
Their intensionally wrong report caused me losing my eligibility for home Mortgage 3 weeks ago, where I was buying a house to my family and elderly parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
EXPERIAN has been reporting XXXX invalid addresses and Incorrect name which I have been requesting immediate removal for more than a year now from my EXPERIAN CREDIT REPORT! 
Name : XXXX XXXX XXXX My name is : XXXX XXXX - No G Incorrect Address # 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX on XX/XX/XXXX Incorrect Address # 2 : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX 15. USC 1681 section 602A states I have the right to privacy.

15. USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15. USC 1681c ( a ) ( 5 ) -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 information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XXXX, I sent a letter to American Education Servicers, better known as " AES '' to explain that my loan has passed the 25 years mark and that my loan should be cancelled and sent to the IRS as a cancelled debt. 
They have not shown me that they have proof of my original loan that would validate that it has been 25 years. They instead respond to my letter with a suspect copy of a document with " my signature '' and is dated XXXX. It does not have any information that is recognizably reflecting my school, current address or attendance date. 


I also just found out that all this time when I was asking for income-based repayment, all they did was keep giving forbearances instead of taking the calculating a payment for me based on my income all these years. 

In XXXX, AES also responded to my letter by just sending a " Your Payment Is Due '' statement. In XX/XX/XXXX, they denied me another forbearance and then sent another letter asking if I would want to request forbearance papers again. 

They are not honoring anything they have sent to me regarding the policies of student loan debt collection and know that my student loan should be closed out and cancelled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Applied Business Services, 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:
I hav disputed this exact collection with other bureaus and with the company, and XXXX  and XXXX  both did not receive sufficient enough information to verify. Although, XXXX  is still reporting this, and I have requested disputes on this account. It appears to be a Ambulance and/or medical bill. 

I can not verify the authenticity of this as they have not and legally can not provide that information. So through XXXX, I requested that they receive documentation regarding this dispute, and it has just been completed. So, for one, the only way the representative stated he would verify the account is social and date of birth, although I feel like a victim in the sense of I can not even receive verification, nor have I ever received a bill for this account in question. 

Also, why would 2 bureas remove the collection while 1 can not? And on top of that, if they did provide patient information ( to include name, date of birth, and social ) and/or documentation, that is a clear violation of HIPAA laws, due to medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: WV
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 recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Capital One is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
Capital One has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805

Company response to consumer: Closed with non-monetary relief