BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX  but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2017-07-14
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit report on   XX/XX/XXXX     and noticed that  CMRE Finance  had reported to the  Credit Companys an account for {$120.00}. According to the Credit report  XXXX , it had been opene d on   XX/XX/XXXX    . I have not received any information in regard to this debt at all. No information was received by them until I mailed them dated  XX/XX/XXXX    .  <P/> I immediately certified a letter to CMRE dated   XX/XX/XXXX     requesting proof that the aforementioned account was mine. I also asked for detailed proof that I agreed to pay the account, a detailed explanation for what the account was for or services rendered, and to provide the Creditor and current contact information for the debt you say I owe.  <P/> On   XX/XX/XXXX  , I received a letter dated  XX/XX/XXXX   from  CRME Finance  that included  4  pages ( see attached ) that shows  4  different accounts that do n't even add up to what they reported to the credit companie s. Two of the accounts look to even be duplicates. I did not receive any proof that they were mine and that I had agree d to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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

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 2019-10-03
Company: United Student Loan Assistance Center
State: MD
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:
I paid {$190.00} in XXXX and XXXX for student loans to a third party company named United Student Loan Assistance. I also paid {$190.00} in XXXX to this company. They stated that these three payments would get rid of my student loan debt with XXXX. That turned out to be false. My mother had a parent plus loan with them so that I could attend college. I spoke with XXXX and they stated that they never received these payments I made to the third party. XXXX advised me to file a complaint with the consumer finance bureau.

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 monetary relief
Consumer complaint received 2017-07-26
Company: CL Holdings LLC
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:
Creditor Jefferson Capital System placed on my credit report a fraudulent report that I opened an account in XXXX of 2017 when I have NEVER opened and account with them. They are abusing their rights as Creditors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a voicemail from a processing office advising that a criminal complaint was being filed for fraud, attempt to de-fraud a bank, and giving false information. They also started theyd be calling my employer and my supervisor to tell them I defrauded a bank and gave false information all over a payday loan for {$250.00} that was discharged in my bankruptcy last month. I told them multiple times that I had listed this in my bankruptcy and they kept saying that payday loans are dischargable debts bc they arent approved based on credit, so therefore they arent dischargable. It was very stressful until I realized it was a debt collector. Whats worse is that they left the SAME message and 2 of my family members phones making it sound like I was in huge trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are errors on my credit report pertaining to the following Personal Information. 

INACCURATE NAME SPELLING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INACCURATE ADDRESSES:251 XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX OUTDATED EMPLOYERS : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with  SPS fo r a loan modification. They placed a sale date on my account while in review which i thought was a violation of the  Homeonwer Bill of  Rights. Anyway, what they did is request a Verification  of Employment f or  XXXX   (  my husband  )  o n  XX/XX/XXXX    , 28 days prior to the sale date. He requested it the very same day but unfortunately because we work for the school district and it is summer time, no one is readily available to supply such a document immediately. They requested that we contact the  School Board  if it was an emergency in which we did but they advised it would take 7 days. We advised  SPS  of this but they were not willing to work with us. we are now going to lose our home for something we can not control. We have provided them with every single piece of information that they have asked us of to this day. Now they said unforunatley there is nothing they can do after begging that they allow us more time. By the way we did receive the  VOE and w e supplied it the day we received it but now they are telling us it is too late. I just cant believe this. Please help us save our home!!!! I beg!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: Account information incorrect

Complaint:
To someone that can help me, I am very deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.

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 2022-02-09
Company: Contemporary Information Corp
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: Public record information inaccurate

Complaint:
There was a false eviction on my credit report back on XX/XX/XXXX with a zero dollar balance. I was never evicted in fact I am still currently living here as of XX/XX/XXXX. I am trying to move but this is hindering me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I served as a guarantor on an apartment lease at XXXX XXXX XXXX in XXXX XXXX, Louisiana. The lease terminated on XX/XX/XXXX. At the conclusion of the lease I personally visited with apartment management to confirm the account was paid in full. This was confirmed by XXXX XXXX XXXX, Assistant Property Manager, prior to move out in XX/XX/XXXX. We never received any further communication from XXXX XXXX or any representatives of XXXX XXXX after that date. <P/>Today, XX/XX/XXXX I received notice from a credit bureau ( XXXX ) that National Credit Systems had flagged an account belonging to me as unpaid in the amount of {$4000.00}. I have never received any communication from National Credit Systems. I contacted them by phone today and they indicated the unpaid account related to the lease agreement at XXXX XXXX XXXX. They further indicated they had turned the account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provided contact information. <P/>I contacted the XXXX firm and spoke with a XXXX XXXX ( spelling? ) who advised me that : 1 )  XXXX XXXX XXXX turned the account over to National Credit Systems in XXXX, XXXX - 9 months after we terminated our lease and were advised no further funds were due ; 2 ) the balance of {$4000.00} was due to a check being returned for insufficient funds ; 3 ) I could " settle the matter '' for 60 % of the debt ; and, importantly 4 ) neither they, nor National Credit Systems, nor XXXX XXXX XXXX are under any obligation to provide me with any information proving my debt. During her repeated attempts to encourage me to " settle '', she indicated that would be the most effective path to remove derogatory remarks from my credit reports, and, absent such a settlement, those derogatory remarks could remain on my reports indefinitely. <P/>I have confirmed that I paid all obligations under the term of the lease as required, and that there was never a check returned for insufficient funds. I have no debt to XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Experian Information Solutions Inc.
State: TN
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:
My wage earner protection rights were violated. I was under wage earner when my second mortgage was refinanced. The loan was with XXXX XXXX XXXX. The new loan was with XXXX XXXX XXXX. XXXX made regular payments to XXXX XXXX without my knowledge or consent. I opened an account with XXXX XXXX in XXXX after I received a settlement from a XXXX XXXX law sue I filed in XXXX. The case number are XXXX & XXXX. I was discharged in the first case XX/XX/XXXX, XXXX on the second one. The case number for the law sue is XXXX. Attorney XXXX XXXX filed the law sue as workman 's compensation without my knowledge. The FBI brought this to my attention. I learned I was under investigation in late XXXX. I was laid off on XX/XX/XXXX, my former continued to pay the courts from my payroll. My employer EIN # is XXXX. I paid the courts {$18000.00} on XX/XX/XXXX to pay all of my creditors off. My employer never stopped paying the courts and they knew I was laid off. The payments was {$140.00} a week from XX/XX/XXXX-XX/XX/XXXX. Someone have abused/is abusing my identity. The person/persons had health care insurance with my personal information. XXXX XXXX XXXX. It 's a group. My drivers license number is XXXX-social security # XXXX. All my former employers have been changed with all Of The credit agencies. My drivers license was copied without my knowledge & my social security card. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. When I learned I was a victim of identity theft. I went to probate court and changed my name to my maiden name. XXXX XXXX XXXX Federal Identification number is ( XXXX ). XXXX-mortgage interest statements was reported to IRS using my personal information. Fraudulent transitions was being reported to IRS. Interest was added to the C/D 's I opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX Federal Identification number is XXXX. I was told by the FBI to pull all of my tax transcripts. I went back to XXXX. XXXX XXXX Federal Identification number is XXXX. It was used to report fraudulent interest on the C/D 's I opened the account with. ( XXXX ) & ( XXXX ). This information was reported to IRS, yet I never received statements. My mail was being stolen, a series of people had p o boxes in my name through XXXX XXXX. From the time I opened that account it was being abused. XXXX XXXX really needs to be investigated, with her mother. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX she is a former postal employee. XXXX XXXX XXXX, XXXX XXXX. I wrote checks for my tithes, money was being stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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:
Over the past couple of months since XX/XX/2021, I have been trying to have the credit bureau fix my personal information that is being reported. This company never responds to my letters since I've XX/XX/2021. I will attach proof of address with my license to show proof what my current and only address has been the past ten years.

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 2018-01-03
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried correcting information with two separate companies Experian and XXXX.

XXXX corrected one of my errors but left the other in tact. Since then I have tried making contact with them multiple times, but every time their systems are " down '' and they ca n't process my request. These error need to be fixed but this company shows no interest in upholding their legal responsibility in this matter. 

As for Experian, their systems have refused to verify my identity. The free credit report they provide does not contain information that they require to file a dispute. I have tried multiple avenues of filing a dispute only to run into an unnecessary roadblock along the way. I believe Experian is not upholding it 's legal responsibility to consumers by making their system impossible to navigate.

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 2022-02-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Have contacted Credit Bureaus about inquires about 6 of them are on my file, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Summit Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some years ago my information was used to obtain a used car from XXXX XXXX XXXX in XXXX, FL that has since closed. After getting paperwork in the mail " thanking me for my purchase '' I immediately went down to the lot where the manager gave me the number to the financial provider for the car and would not give me the information on the person that actually got the car. After contact the loan provider we got things situated and my information was " deleted '' off of the car and everything had went back to normal. In XXXX I pulled my report and noticed that Summit Financial has started reporting for the balance of {$8000.00} for the XXXX XXXX that I did n't own or posses. I immediately contacted them and the loan officer that i had spoke with prior to see what the deal was and why it was still connected to me. I was told since my name was originally on the paper work even after having my name removed ; that It still had to be reported to my credit. Even though I found that hard to believe. They had me to believe that even though i had no ties with this loan ; it had to sit on my credit for 7 years according to Summit Financial. I am preparing to be a homeowner and had a meeting with my banks home loan manager and pulled my credit all for me to find out that Summit Financial never even after 7 years deleted this off of my credit. They actually reported for an extra year. NOW, adding fees and renewing this debt that I do not owe them! This getting out of hand with the lies and the run around that i 'm getting at this point.

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