BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Went to hospital XXXX and got XXXX. Multiple agents to pay at hospital XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. All of these accounts were paid directly and confirmed by date of payment, account number, credit card statements, and insurance. However - A second entity sent me a bill under the name of XXXX XXXX XXXX - different city, address and contact information from the original XXXX XXXX XXXX at the hospital. They are asking for the same dollar amount as the original bill : {$8.00} but have attached it to the false name ( but similar to mine own ) with an account number that has the original account numbers PLUS 9 additional numbers ( i.e. new account under false name being billed to me for the same amount - billing twice to one person ). 

Then, I received a second letter stating that the {$8.00} has gone into collections under the name false name but associated to me and my current address from the company " CMRE FINANCIAL SERVICES '' XXXX. I am disputing this with them and have sent that paper information back in Certified Mail. 

Sinmultaneously, I've been recieving an abscene about of phone calls from another entity called " XXXX XXXX XXXX '' XXXX. They are very definitely a call center because they called my number and left a message for someone else 's name stating that they were collecting for one company THEN called me back to correct the previous message and say they were collecting for an unknown account under my name- but that they needed my SSN before giving any information. 

My phone number is associated with a dollar amount for an unknown bill that has no paperwork or connection to any service, either known or unknown. There is no option to speak to a representative to get information about the debt they are trying to collect if you callback the number left on answering machine. You can only pay the phantom bill or leave a message. 

There is no debt. My bills are paid and up-to-date. There is no second person living at my home with a name similar to mine. I have reached out to both companies. I believe they are the same. I aim to protect my credit and my personal information from the dark web and frauds. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C 1681b ( a ) 2 was not given my written instructions XXXX account number is XXXX .... 
XXXX states balance is {$540.00} XXXX states balance is {$0.00} equifax states balance is {$540.00} date opened XXXX states XX/XX/2017 inaccurate XXXX states XX/XX/2017 equifax states XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C 1681b ( a ) 2 was not given my written instructions XXXX account number is XXXX .... 
transunion states balance is {$540.00} XXXX  states balance is {$0.00} XXXX states balance is {$540.00} date opened transunion states XX/XX/2017 inaccurate XXXX states XX/XX/2017 XXXX states XX/XX/2017

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 2023-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NC
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Nelnet, Inc.
State: FL
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:
The Family Educational Rights and Privacy Act ( FERPA is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary secondary or post-secondary school.

20 USC 1232g ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
ON XX/XX/2019 MY HUSBAND CALLED THE POLICE AND MADE A FALSE REPORT SAYING THAT I HIT HIM WITH MY CAR. THE OFFICERS CAME OUT SPOKE TO WITNESSES & DETERMINED HE WAS LYING, THEY TOLD ME TO GO AHEAD & LEAVE. SINCE WE SHARES A AUTO POLICY WITH XXXX HE A CLAIM UNDER MY PIP. HE GAVE THEM A HOSPITAL WORKUP BUT FAILED TO SAY THAT HE HAD XXXX A FEW MONTHS PRIOR. XXXX FAILED TO CONTACT ME ABOUT THE INCIDENT, THEY ISSUED 100 % AT FAULT WHICH HAS AFFECTED MY COMMERCIAL INSURANCE THROUGH XXXX! I ASKED IF IT COULD BE REMOVED BEING THAT THEY DIDNT CONDUCT A INVESTIGATION NOR DID THEY REACH OUT TO THE POLICE. THEY TOLD ME NO I HAD TO JUST DEAL WITH IT BECAUSE THEY PAID IT OUT! AFTER I SUPPLIED THEM WITH DOCUMENTS THEY STILL REFUSED. I THEN REACHED OUT & SUBMITTED 2 DISPUTES WITH LEXIS NEXIS & SUPPLIED THEM WITH THE SAME INFORMATION ONLY FOR THEM TO REACH OUT TO XXXX INSTEAD OF DOING A FULL INVESTIGATION! BOTH AGENCIES HAVE VIOLATED MY RIGHTS TO THE FULLEST.

: 15 U.S.C 1681 S-602A STATES I HAVE A RIGHT TO PRIVACY : 15 U.S.C 1681 S-604A STATES THAT REPORTING AGENCIES CAN'T FURNISH INFO WITHOUT MY WRITTEN CONSENT : 15 U.S.C 1681o CIVIL LIABILITY FOR NEGLIGENT NON COMPLIANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello i am disputing the inaccuracy of why XXXX  XXXX is appearing on my credit report with the 3 bureaus. I sent in numerous amounts of disputes. I sent one into the bureaus individually, I sent one to the courthouse and also XXXX XXXX. The courthouse has addressed my concern and said they do not furnish information to the third-party companies such as the credit bureaus that companies such as XXXX and XXXX XXXX  house this data. I have disputed this with XXXX XXXX and they have removed it from my consumer report i have a letter as proof. I sent another dispute to Experian, XXXX, and XXXX and they are still reporting it after asking them to remove it.

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 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have several CapitalOne credit cards and have maintained all of them in good standing for many years. Some I use more than others, some have/ had substantially higher credit limits than others. The card at issue was recently reduced credit limit without prior notice, and with no justification related directly to my conduct and account maintenance of this specific card.

Sudden reduction in credit limit has a direct negative impact on credit score, because 1/3-ish of the score calculation is about the % of available credit used. The substantial reduction has caused a substantial decrease in my personal credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX and Experian. They have not deleted the same duplicate medical accounts that are not mine and in collections, which is a violation of my consumer privacy rights. 15 USC 1681 ( A.5 ) says that after the reinvestigations all of the unverified information must promptly be deleted. You can see in each dispute of results of that this account that is the same 10 accounts was previously disputed without being thoroughly investigated and it can not be validated or verified. It appears the credit agencies are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I have made several attempts to remind you of your duty pursuant 15 USC 1681. Experian has not complied in deleting any of the ten accounts. 
I am distressed that Experian and XXXX are still including the accounts ) in my credit profile and have failed to maintain reasonable procedures in following appropriate operations to assure maximum possible accuracy that you publish on my credit report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. On XX/XX/2022 The Consumer Financial Protection Bureau ( CFPB ) is reminding debt collectors and credit bureaus of their legal obligations in light of the No Surprises Act, which protects consumers have made several attempts to remind you of your duty pursuant 15 USC 1681. Experian has not complied in deleting any of the ten accounts. 
I am distressed that Experian and XXXX are still including the accounts ) in my credit profile and have failed to maintain reasonable procedures in following appropriate operations to assure maximum possible accuracy that you publish on my credit report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. On XX/XX/2022 The Consumer Financial Protection Bureau made it a law to not report medical debt at this time and under certain amount but this is not my debt. 
( CFPB ) is reminding debt collectors and credit bureaus of their legal obligations in light of the No Surprises Act, which protects consumers from certain unexpected medical bills. The debt has not been validated or verified. This is my 4 dispute for the same inaccurate information they are not deleting and I have not received information of and investigation or reinvestigations of the results I have requested.

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 2022-04-24
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:
XXXX  account # XXXX, has violated my rights

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 2022-06-26
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: AL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: FinCo Services Inc DBA Current
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Disputed the following information to Current. 

Bank XXXX : Current- a financial technology company. 
XXXXXXXX XXXX is the sponsor bank for Current Website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Current Card XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX : {$3.00} XX/XX/XXXX - XXXX Reader : {$15.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$21.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$51.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$18.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$18.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$28.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$16.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$19.00} XX/XX/XXXX - XXXX XXXX XXXX  - {$23.00} XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX {$16.00} XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX {$12.00} Total Amount of Fraudulent Charges : {$330.00} Action taken from Current is returning only : {$3.00} from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 

Email Sent to Me from the Dispute Team from Current : XXXX XXXX, XXXX, XXXXXXXX XXXX EDT Hi ( Name ), Thank you for reaching back out to us. 

Per our investigation, cash load funded XXXX. No spending velocity, transactions were made within a timeframe of more than XXXX hours. No fraudulent activity found. For XXXX, XXXX result XXXX. For XXXX, phone last XXXX matches. For XXXX and XXXX, fits XXXX spending habits with fast food restaurants. No error found. Case closed. Part XXXX : Dispute dept. received dispute with XXXX XXXX XXXX XXXX XXXX XXXX for {$3.00}, settled on XX/XX/XXXX. UNAUTHORIZED. XXXX XX/XX/XXXX. Per our investigation, merchant sent full credit on XX/XX/XXXX. Error found. Fraud report added. Case closed. 

We take our dispute claims very seriously and investigate them with utmost precision and integrity. While we understand the outcome of the investigation is not what you had expected, unfortunately this decision is final. 

We thank you for your understanding. 
XXXX Sent Email Back on XXXX XXXX, XXXX, XXXX PM : I can provide additional receipt on my travel expenses that have time stamps and locations. I was on a business trip on behalf of my employer in upstate New York. Please let me know what can I provide to you that will validate my fraudulent charges. The only time I have used my virtual card via XXXX XXXX to pay for a car wash in XXXX NY that has my XXXX location. I assumed all virtual transactions couldnt be processed unless the XXXX XXXX validated my presence. My company card couldnt cover that personal expense. I dont want to escalate it to external parties due to inconsistent data sets that isnt matching any spending patterns that match any businesses that I conduct business with. 


No response after the email was sent to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: MI
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 Account # XXXXXXXX XXXX  XXXX for {$790.00}, XXXX # XXXX XXXX XXXXXXXX for {$1200.00}, XXXX # XXXX, XXXX has violated my rights. 15 U.S.C 1681 section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account # XXXX XXXX XXXXXXXX for {$790.00}, XXXX # XXXX XXXX XXXXXXXX for {$1200.00}, XXXX # XXXX, XXXX has violated my rights. 15 U.S.C 1681 section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 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 non-monetary relief
Consumer complaint received 2022-06-26
Company: HYUNDAI CAPITAL AMERICA
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:
Someone used my information to open a Kia Motors Account. I learned of this account when a credit monitoring service notified me of the negative reporting. I didn't open this account, nor did I authorize anyone to do so on my behalf. The account was opened fraudulently without my authorization. Please see the attached FTC report and my Dl and remove this from my credit.

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 2022-06-26
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX, Amount : $ XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX AMount : {$63.00} XXXXXXXX XXXX XXXX Amount : {$140.00} XXXXXXXX XXXX XXXXXXXX Amount : {$180.00} XXXXXXXX XXXX XXXXXXXX Amount : {$400.00} XXXXXXXX XXXX XXXXXXXX Amount : {$280.00} XXXXXXXX XXXX XXXXXXXX Amount : {$170.00} XXXX XXXX XXXXXXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX AMount : {$120.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$70.00} Date : XX/XX/XXXX XXXX XXXXXXXX Amount : {$280.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$270.00} XX/XX/XXXX XXXX XXXX Amount : {$320.00} XX/XX/2022

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