BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-22
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX XXXX, XXXX Dear Investigation Unit, The purpose of my letter is to request assistance as my rights as a consumer have been violated by CMRE agency. I have communicated with this organization and have made payments towards a medical debt that I have with XXXX XXXX Hospital in XXXX IL. 

The original balance of {$250.00} was for my deductible after being hospitalized. I have been making monthly payments on this account. Most recent payments made were on XXXX/XXXX/XXXX in the amount of {$50.00}, next payment made was on XXXX/XXXX/XXXX in the amount of {$50.00} the statement date for the payment was XXXX/XXXX/XXXX .There were payment made prior to the hospital before the account was turned over to the collection agency. 

When CMRE agency received the account, they stopped sending statement and place the debt on my credit report. I have received no other communication on this account to continue to make payment. 

This is a violation of the fair debt collection laws. As a consumer, I have received any calls or billing statements to make me aware that there is an outstanding debt owed is agency. When contacting the agency I spoke with a representative name XXXX XXXX ext. XXXX, she stated that I have another outstanding debt with them in the amount of {$480.00}. There has been no communication regarding any outstanding debt from any organization. 

I 'm requesting your assistance to have these accounts removed from my credit report. This is a fraudulent practice on the behalf of CRME refusing to communicate with a consumer that a debt is owed. As a consumer, I have the right to be given an opportunity to pay my debt by being notified via communication either by phone or by mail. Rather than just applying a judgment on a consumer 's, credit report. It is because of companies like this that American if in the financial distress. 

I 'm deputing their fraudulent practices and requesting assistance. 

Sincerely,

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 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.

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 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by XXXX XXXX XXXX on XX/XX/XXXX at XXXX pm. They left a voicemail saying that this was a notice of a civic lawsuit and considered this as being served. I called back at XXXX pm. The respresentive processed to say that I owed a capital one debt in the amount of XXXX and that they would take me to civic court in order to collect and i would have to pay XXXX for court cost and legal fees. I proceeded to tell them that I did not have a capital one account since XXXX and that it was included in bankruptcy in XXXX. She supposedly check and said that this debt was incurred in XXXX and payments stop in XXXX. I asked how I could take care of this and proceeded to say that they were willing to take XXXX. I paid. It did not sit well with me afterwards so on XX/XX/XXXX I called to get a emailed receipt for it and they did. But the more I thought about it I knew I did not have a capital one card in XXXX. On XX/XX/XXXX I called capital one to verify if I had any accounts open or if I owed them any money, they verified that I didn't. Thats when I called XXXX XXXX XXXX to get more information about them, more specifically their debt collector license number, She said that they were not a debt collection agency but mediators for a debt collector and were registered with theBBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
3rd party debt collections company XXXX XXXX XXXX claim I owe debt that has aged off 15 years ago and are calling me while at work. I told them not to call me, and have added my cellphone number to the do not call registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my reports, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

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 2022-01-24
Company: Strategic Alliances, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent in a request to first ascertain whether or not first portfolio ventures have the right to collect a debt from a credit card I owe money to called indigo credit card. I sent them a debt validation letter in XX/XX/2021 by certified mail and I never heard back from them. The debt was for about {$960.00} and I intentionally contacted them with a debt validation letter to which they did not respond to within 30 days. Because they didn't do this I sent them another letter stating that they had no right to collect on the debt based on the fdcpa laws and left it at that. For some reason they keep attempting to contact me to collect the debt. The debt should have already been eliminated and if they try to report it to my credit heroes that would be illegal. I am concerned that they will do that because it was mentioned briefly during an argument with one of the debt collector agents. I have also already asked them to cease and desist in writing and they did not respond back. The certified mail # is XXXX and the debt validation follow-up was delivered on XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MO
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 submitted 9 disputes online and one on the phone. My student loan debit is over years old and was charged off. They recently changed the account status in XXXX preventing me from buying my home. I requested for them to remove the items they have not removed at all and keeps closing my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On several attempts I have made notification to Caine and Weiner the alleged debt that they have reported to the consumer reporting agencies was not mine and I asked to have it removed entirely from XXXX, XXXX, and XXXX. By submittal of Caine and Weiner own documents it clearly shows this account is not mine and the dollar amounts in question are not the same which makes it inaccurate. The name is not mine and it appears this is a corporate/company account. Caine and Weiner has failed to comply and has offered no evidence where they had permissible use for my credit file. It saddens me that the credit reporting agencies have not taken better care to ensure what is reported is accurate. I have attached all supporting documents to show my attempts to have this derogatory information deleted from my file as it once was then re-inserted with out my knowledge. Caine and Weiner illegal tactics and practices need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am  XXXX   XXXX  military and have been trying to sell my home in a short sale due to permanent change of station orders. I also have a second mortgage on the home with  XXXX , and the first mortgage with Chase has   XXXX   XXXX    as the investor.     We have had to get the short sale approved  4 different times in order to close. This last time to try and get it closed, Chase  has told us that they are instituting new internal processes which add more quality control checks to the pipeline time that it takes for us to get the information that we need in order to sell our home and get out from underneath all of the debt that we have. We have escalated the review of the file with the investor,   XXXX   XXXX  , with the Military Escalation line with Chase, with the  Executive Office with Chase,  with as many managers as we could get a hold of, and an Assistant Vice President of the Short Sale Department.     We are asking the Consumer Financial Protection Bureau to come down hard  on Chase an d allow us to sell our home and move on with our lives. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report to make a vehicle purchase and noticed several accounts that were opened under my name without my knowledge. This is fraudulent accounts that I did not open.

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 2020-08-04
Company: Convergent Resources, 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: Account status incorrect

Complaint:
I called a third party company that the collection was paid to and asked that they report the account as paid to the credit bureau. They said they do not deal with credit reports and the account was no longer in their hands and I had to contact the credit bureau 's to correct the status. The comment on my credit report shows as paid but still reflects as a collection account. I am looking to get this to reflect correctly as paid. 

Convergent {$170.00}

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 2022-07-27
Company: GOLDMAN SACHS BANK USA
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
I bought XXXX iPhones from the XXXX XXXX XXXX XXXX XXXX for {$2000.00} I was charged for this purchase TWICE - equal to XXXX iPhones on my Apple Card. 
The Apple Card credit card was offered thru Goldman Sachs. 
The payment for the first XXXX iPhones I bought was paid on XX/XX/2022 from my checking account. 
An illegal charge for the same amount was deducted from my checking account again on XX/XX/2022. 
Attempts have been made to contact both the XXXX XXXX XXXX XXXXXXXX store and Goldman Sachs ; but they just transferred me around - trying to avoid responsibility. 
XXXX chat case : XXXX. 
XXXX order : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Navy Federal Credit Union has repeated called me after XXXX XXXX  on weekdays and weekends. In addition, I have records where they would call several times in one day and after XXXX XXXX. Each time I try to call the number back or they leave me a message, it is an automated response with to call their automated system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XXXX/XXXX/XXXX, my employer received a call from a man who identified himself as XXXX with the XXXX XXXX PROCESSORS OFFICE.. XXXX XXXX XXXX XXXX XXXX, FL ) XXXX This call was recorded ) caller # was XXXX/California XXXX, he ask what the companies policy was on employees being served on there job, then provided a CASE # XXXX and # for me to call back to the Administrator of the file XXXXgiving Third party discloser to my employer **** -- -- -- -- -- -- -- -- -- -- On XXXX/XXXX/XXXX - When I returned to work and was provided with this information I returned the call XXXX and spoke withXXXX XXXX with XXXX @ XXXX, He did not provide Mini Miranda, and did not identify himself as a debt collector, however told me I had a pending Civil Case against me? I ask am I being sued, he said yes! He said they sent me papers to process services in my local jurisdiction? I ask for the documents to be faxed to me, he said no they are out for process service, and the next thing I receive will be a summons? XXXX This company will not provide me anything in writing which I have ask repeatably by fax/mail ... I ask what the charge off date was and was told XXXX, however this is a old Juniper Bank Visa sold to Barclays Bank and charged off in XXXX XXXX well beyond any statue of limitation XXXX where I currently live ) I called Barclays bank they sold the account to a debt buyer in XXXX. I can not find anything on this company they claim to be XXXX out of California.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Insikt, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I am recieving XXXX XXXX e-mails a day from Lendafy advertising " Confirm Your Request : {$9500.00} Loan ''. I never applied for this loan, do not want this loan. When I attempt to Unsubscribe from the e-mails I am directed to another XXXX offering the same loan. I want this harasment to stop immeadiately.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-06
Company: Bread Financial Holdings, Inc.
State: CO
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:
Below is the dispute I sent to Comenity Bank, XXXX, XXXX  and XXXX  ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute. 





XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX RE : CB/XXXX   XXXX I am disputing the accuracy and completeness of CB/VICSCRT  XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( XXXX  reporting of this account ) Exhibit 2 ( XXXX  and XXXX  reporting of this account ) Exhibit 3 ( Metro 2 manual reporting guidelines for paid charge off account ) Exhibit 4 ( Metro 2 manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, XXXX, XXXX  and XXXX  because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to Metro 2 manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB. 
Exhibit 1 ( XXXX  lender report ) Exhibit 2 ( XXXX  and XXXX   Report ) Inaccuracies : 1. XXXX  ( Highlighted in yellow ) a. XXXX   reporting XXXX of XX/XX/XXXX. XXXX  reporting XXXX  of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX. 
2. Account Status ( Highlighted in green ) a. XXXX  reporting Charged off Account. XXXX reporting Charged off account. XXXX   reporting Purchased by another lender. Exhibit 3 is from the Metro 2 manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off. 
Incomplete : 1. Payment ( circled ) a. Scheduled monthly payment amount is blank. Exhibit 3 demonstrates this is incomplete. 










Exhibit 3 ( Metro 2 Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 ( Compliance code conditions and reporting guidelines ) Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax who refuses to do the right thing under any circumstance in any situation apparently to retaliate for the fact that I caught them re-aging accounts for the fourth time, has now changed a bunch of my accounts with incorrect information the most glaring is it lost my XXXX account, opened in 2015 with a three-year lease as having missed payments every month for the last two years, after the lease ended.. 

They seem determined to simply keep my score down rather than report accurate information as these are late payments that are not payments that were due and my percentage of payments made on time has steadily decreased as a result of their incorrect an improper violations of the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-01-24
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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief