BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
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 was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  and XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THE FOLLOWING ACCOUNTS BELOW FROM MY REPORT IMMEDIATELY : CMRE FINANCE ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX {$9700.00} CMRE FINANCE ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I had applied for an XXXX XXXX XXXX credit card. I was denied my own credit based on my credit portfolio. I was relying on this credit card for emergency purposes while we are going through a pandemic when my kids and myself are getting sent home from work and me having to leave work to get my XXXX  kids from school/daycare to continue to shelter and feed my kids and myself. This is a violation of 15 u.s code 1681M.

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 2017-07-25
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is stemming from the dispute/response I received from GRC in which I filed against General Revenue Corporation : General Revenue Corporation is a collection agency not a lawyer or attorney. GRC do not operate off of FCRA laws. Since they are debt collectors the company supposed to abide by the FDPCA laws. GRC did not send me an agreement with the original client that authorizes GRC to collect on this alleged debt nor did I sign any agreement stating that if any information were mine that the original creditor can share my personal information. All collection agencies need to be licensed in the state of Ohio with the attorney general of Ohio. I have did my research and GRC is not registered with Ohio attorney general. I have also sent a cease and desist to GRC. The only person I need to discuss this fraudulent matter with is XXXX XXXX. This is a inconvenience for me. I am in the process of purchasing another home and this fraudulent information is a great concern. I will be forced to sue for damages if GRC do not remove from the credit reporting agencies. Do not send me another response through CFPB stating I need to contact GRC. Remove immediately!

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 2017-07-25
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked them for verification of the debt since I did n't recognize the account and all they sent was a letter stating the amount without any type of break down or representation on what the account is. Then when I reached out to the actual entity that sold them the debt they sent me a break down of charges but I do not recognize because this is a fraudulent account. I have been a victim of many account and items opened and filed in my name which is why there is a fraud alert on my report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Bank of America has wrongly reported 2 hard inquiries dated XX/XX/2019. Remove the two hard  inquiries.

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 2018-12-03
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: Investigation took more than 30 days

Complaint:
The XXXX XXXX XXXX XXXX is reporting to Experian and XXXX XXXX erroneous information they have submitted XXXX different versions of late payment now it shows charges off since XX/XX/2017 this account is included in a chapter XXXX bankruptcy and is still being paid this company is know for such actions my ss # is XXXX dob XXXX I want this removed from my 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 explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent written disputes via USPS mail in regards to unknown accounts reporting in error on my consumer credit report. Furthermore, after 45 days with no response, I sent another dispute request on XX/XX/2022 via registered mail with USPS demanding that these unknown accounts be removed from my consumer report immediately. However, it has now been over forty-eight ( 48 ) days and I have yet to receive any correspondences regarding investigating my disputes. In addition, according to the FCRA Section 611 ( a ), a failure to investigate consumer disputes within 30 days gives reason to lawfully remove those items from my credit report immediately. At this point, I am filing a formal complaint due to the consumer reporting agencies failing to comply with the federal laws that protect me as a consumer. Moreover, this entire dispute process is stressing me out and the unknown accounts reporting are impacting my ability to obtain reasonable financing to purchase a home for my family! Therefore, I am requesting for you to immediately remove the unknown accounts listed on the dispute letters or I will take further action and pursue litigation. Please review attachments for the dispute requests and thank you in advance for your immediate attention to this urgent matter.

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 2022-05-04
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2018-12-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I talk to Experian office of consumer affairs that no companies cant access my Experian credit report when they tried to access it they get no hit and also I tried to access it thru Experian .com and it keeps giving me a message saying technical difficulties theirs no freeze or credit lock on my report. I think Experian office of consumer affairs put a block on my file from their system so that I can't access it or any other creditor also I call them about this all the time is they act like theirs no problem with my report what they doing is holding my file hostage it's causing damage to me in delay me in getting credit. My name XXXX XXXX social XXXX XX/XX/XXXX date of birth please take action

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 2017-07-25
Company: Navient Solutions, LLC.
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:
After being unable to pay my student loans navient only suggested forebaring and deferring payments. They never offered income based repayment. My loans went into default and only learned about income based payments through a loan rehab company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a mortgage loan with Fifth Third Bank, unfortunately because of the economy I failed my mortgage payments on XXXX, my house has a sale date on XXXX/XXXX/XXXX, obviously I do not want to lose my home, I have a family, it is my heritage for me and my family. I am trying to make a loan modification, but there is a person, XXXX XXXX, who works in Fifth Third Bank, she is the point of contact, the only person who can I talk to to get status of my loan modification, but she is very unprofessional, from the begin she told me that she will not review the work out package because I had three years with out pay my mortgage and I do not qualify with out reviewing the work out package, finally when she review my work out package, on XXXX/XXXX/XXXX she advise that she will close the file for missing documents, I even did not know that those documents were missing because is very hard to contact her, she never is at her desk, always there is answer machine and never responds the messages, finally she gave me until XXXX/XXXX/XXXX at noon to send the missing documents, if the documents are not faxed by that time, she will close the file. The required documents were XXXX, Tax Return XXXX and Hamp hardship Affidavit, I sent the documents on XXXX/XXXX/XXXX, I called to the bank on XXXX/XXXX/XXXX to confirm I sent the documents, I spoke to XXXX he said the status has to be with XXXX XXXX, tel : XXXX ext. XXXX, I called her no answer, I left a message for her in her voice mail, she does not call back, on XXXX/XXXX/XXXX I called her again, answer machine again, I called to the bank tel : XXXX, I spoke to XXXX, she said the file is closed for missing documents I explain that I sent the documents on time XXXX/XXXX/XXXX, she said I have to talk to XXXX XXXX directly to get status, I told her it is very hard to contact her, she said she will send a message to her contact me, she call and let me know the case was closed, I ask why and she said for missing documents, I told her I sent the documents, she said the hamp hardship affidavit is missing, I told her I sent it and it is signed by the Borrrower and Co-Borrower, she said she needs one signed by the Borrower and another one signed by the Co-Borrower, the file is closed and there is no way to re-open it. It does not make sense for me, the form has XXXX signatures, I thing she does not want to help the homeowners, I feel like there is a discrimination. I really need help with this, I do not want to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have some accounts on my credit report that is a result of identity theft I've disputed it and also sent in my FTC identity theft report to let them know and they didn't even give me any results or investigate the account correctly

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 2017-07-25
Company: Mobiloans, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted XXXX XXXX the collection agency that bought my debt from mobiloans in early 2017. I informed them that I wished to start working on getting my account squared away. I told them at the current time I could afford {$50.00} a month to which I was told that was fine as long as I made two months of payments around 140 a month to start to show good faith. I really did n't have that kind of extra month but agreed to just to start the ball. After several months I contacted them to see if I could get a settlement offer. In reply they told me no that I was not going to get a settlement because they were allowing me to make payments to begin with. I told them that I felt that was unfair and wished for them to cancel all payments since they wanted to charge me a fee if I paid monthly vs having them auto draft from my bank. At this point the guy became mad about it and in short terms used threstening words and tone to try and get me to keep paying. I refused until they would give me a good settlement that satisfied both parties. I told them i would have some money for a settlement around XXXX XXXX 2017 if they could come up with a decent settlement around then to call me and maybe we could come to agreement. The guy then told me without an agreement from XX/XX/XXXX to XX/XX/XXXX there was a good chance that they would sue me. I felt very pressured into everything. But still said no to anymore payments. Fast forward to XX/XX/XXXX I find that Summit has taken {$50.00} from my bank. I call my bank to report it and my bank canceled my debit card and starting a fraud report. They also suggested I call XXXX  to try and fix it. When I call XXXX the first lady talked to me and told me that I had agreed to the charges but said there was an email on my account that said I had cancelled all payments back in XX/XX/XXXX but then I called and told them to resume payments and to change my due date. I had not called them at which point she hangs up on me. I spend the next 2 hours calling them back to only be hung up on or transfered. Finally they get me a manager and he claims I told them to change my due date and keep taking the money out. When I told him I did n't he argued with me. After several times I tell him that they took the money without my approval and he said no I had given it in the beginning so it carries over even after I cancelled the payment because I wo n't tell them my intentions with the account. I told him I wanted my money back for the payment they just took and to cancel the rest of any thing on the account. He said no to my refund and then said the rest are cancelled and then hung up. I did n't get any confirmation or anything. My wife also has an account owned by them and her account is having the same problem right now as well.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulentinvestment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank transfer and debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Branch Banking and Trust services.

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: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I reviewed my credit report and noticed that there was a collection account dramatically impacting my credit report and score. On XX/XX/XXXX, I immediately disputed with all 3 credit bureaus, as I have had no knowledge of this alleged debt. 

Under the FDCPA, I have the right to request validation of the debt that any collection agency states I owe. Further, when an account is in dispute, the collection agency is required to cease all reporting until debt has been investigated and validated. Capital Accounts has not only failed to do so, but has falsified the alleged amount owed, by altering the dollar amount month over month to in a fraudulent effort to collect on alleged debt that is clearly being disputed. 

While this may be minute to some, it infringes on consumers rights and needs to be rectified immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: DISCOVER BANK
State: NY
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 has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
The security verification is incorrect. 
I do not recognize any of the loans that the security verification recognizes and I noticed that the month and the year that the loans were issued I wasn't even in town. 
I noticed that sometimes two different individuals with the same name might get confused with each other so I just wanted to make sure that this is not the issue. 
If this is not the issue then I need help getting into my account but I do know that information that it's requesting me to verify is inaccurate.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
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:
I sent a letter off on XXXX XXXX. Here is the tracking number XXXX. I sent the letter to remove personal information that I do not want on my consumer report. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with third-party people. 

They are in clear violation of my federally protected consumer 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 2021-07-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There is a data breach on my report. There has been inaccurate information reported that does not display across each bureau. I am demanding immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: WESTERN UNION COMPANY, THE
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My Name is XXXX XXXX Western Union was supposed to transfer some money for me to the XXXX XXXX. They did not complete the transfer and they refused to reimburse me. I sued them in court and I was awarded the money plus court costs. I sent them a copy of the court decision with the amount of money they owe me but Western Union has been giving me the run down. Every time I call them, a new person sends me to another new person that tells me they will get back to me. My case number with Western Union is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: IL
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:
Equifax is bias! The company took over a month to delete some items yet refused to remove ALL requested items of inaccurate information

Company response to consumer: Closed with explanation