BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the company that issued the debt to CMRE and they said they would contact CMRE to remove the debt owed, since it was off the books. However, CMRE still has not removed the debt from my credit report, thus financially hindering my credit abilities and is in violation of the fair credit reporting act. CMRE fails to return any of my phone calls or acknowledge my attorney 's letters. XXXX Adverse Accounts still remain on my credit report from CMRE Financial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In a previous CFPB complaint, it was found to be true that my account with Comenity was in fact settled as I shared in my complaint. In Comenity Bank 's final response they stated that they would have the account removed from my credit files which they have yet to do so. The account was bought back weeks ago from XXXX XXXX. I filed a dispute with the credit bureaus and included a copy of the final response. Comenity Bank replied back that the account was supposed to be updated and not deleted and only provided updated account information versus removing the report from the file so XXXX  had no choice but to honor what Comenity Bank stated and leave the account on the report. This account was supposed to be removed and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX XXXX XXXX represents Midland Funding , LLC. They filed for a judgement against me XXXX XXXX, XXXX. We filed an exemption claim notice with them because most of our income is from Social Security, we did this on XXXX XXXX, XXXX. My total income is {$900.00} a month, out of which I pay {$74.00} a month for a supplemental health insurance payment. This debt is in my name only, my husband has nothing to do with it. 

I filed a cease and desist with them on XXXX XXXX, XXXX. I have never retracted that Cease and Desist, consequently, they have not contacted me by phone, up until this last week. I have received a phone call from XXXX XXXX XXXX, at XXXX XXXX, on XXXX XXXX. I did not catch the women 's name that called, but she was calling to collect on this debt. I have a photo of my caller ID with the date and time of this call from a representative from XXXX XXXX XXXX. The phone number listed is XXXX. 

It is my understanding that once a Cease and Desist order is in place it is unlawful for them to contact me by phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Approximately XXXX weeks ago, a collection account popped up on all three of my consumer credit reports from a company called The XXXX XXXX. This is a MEDICAL collection that I absolutely, positively DO NOT OWE. Additionally, I NEVER ONCE signed a HIPAA release form to allow my private, protected medical records to be shared with ANY outside parties, including this collection agency. I have reached out to The XXXX XXXX MULTIPLE times and even sent their CEO an email, but they have chosen to completely ignore me, which is a blatant violation of my rights under FCRA. I have additionally disputed this account with all three credit bureaus ( XXXX, Equifax, and XXXX ), and they have entirely failed to delete this erroneous, slanderous medical collection account. First of all, because this is a MEDICAL collection, this is treated much differently than any other collection due to the sensitive nature of the information being collected on. In order for The XXXX XXXX or any of the credit bureaus to validate this debt, they would need to be able to provide a FULL BREAKDOWN and explanation of exactly what medical services I received that I owe this alleged debt for. However, they CAN NOT do that because I never signed a HIPAA authorization allowing this information to be shared with any parties outside of my medical provider 's office. Therefore, NO ONE is allowed to have access to this information but myself and my medical provider. Despite my disputes with XXXX, XXXX, and Equifax, they have somehow " verified '' this debt and left it on my credit reports. They have no way of verifying this debt because, under HIPAA laws, they should not have access to the information required to verify or validate anything about this alleged debt, which I do not even owe. They can not tell me WHAT services I allegedly owe for because that would be a violation of HIPAA if they had access to this information. I am hereby DEMANDING that this erroneous collection account from The XXXX Agency be IMMEDIATELY deleted from my credit reports. Otherwise I will be pursuing legal action for not only false reporting, but violating my HIPAA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Harris & Harris, Ltd.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Harris & Harris continues to robo-call me to tell me I owe a debt that I paid on-line on XXXX/XXXX/2014. I have phoned them TWICE with my confirmation number proving payment and asked them to stop calling me. Yet I get one phone call a day from them. Yesterday I received a letter from them telling me that they are reporting me to the credit reporting agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Aargon Agency, Inc.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This complaint is against AARGON AGENCY INC this account was reported to XXXX on XX/XX/2015 AARGON Agency did not send me a letter of notice of right to dispute. I have heath insurance that was suppose to pay my medical bills except the co payment of course.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFTER SUBMITTING A COMPLAINT TO THE CFBP CREDITORS DISCOUNT & AUDIT RESPONDED WITH PERSONALLY IDENTIFIABLE INFORMATION RELATING A CONSUMER THAT IS NOT ME. THE COMPANY SUBMITTED FALSE INFORMATION INCLUDING THE NAME, SOCIAL SECURITY NUMBER, MEDICAL INSURANCE NUMBER, DATE OF BIRTH AND TELEPHONE NUMBER BELONGING TO ANOTHER CONSUMER THAT IS NOT ME BUT ALLEGING TO SHOW PROOF OF AN ALLEGED DEBT. THE DELETION SHEET SUBMITTED BY THE CORPORATION ALSO CONTAINS ANOTHER FALSE SOCIAL SECURITY NUMBER THAT IS NOT MINE. I WILL BE FORWARDING THIS INFORMATION TO THE RIGHTFUL CONSUMER AND ADVISING THEM TO FILE A POLICE REPORT. I HOPE THE CFPB RIGHTFULLY INVESTIGATES THIS COMPANY BECAUSE IT IS GROSSLY VIOLATING CONSUMER PROTECTION LAWS INCLUDING HIPAA.

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 2020-04-13
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Greetings, I have settled with XXXX XXXX but they have NOT removed the information from my credit report. I also need the following information removed from my credit report because it has already been more than 7 years, so it is pass the special limitations. 
1. XXXX XXXX 2. XXXX XXXX XXXX. XXXX 4. XXXX I really appreciate your assistance in removing these negative items from my credit report. 

Thank you. 
XXXX. XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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: Investigation took more than 30 days

Complaint:
This regional debt on my report, states charge off written off. I submitted proof that we paid XXXX the collection company for regional. And payed whole amount asking for and my information and letter stated so. I want this status as paid as agreed, for we did exactly that. And my dispute did nothing of the sort. Remained completely the same as far as I see!

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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 called Trans Union multiple times and they stated they will Send my credit report a month and XXXX weeks ago. I called them 3 times and I still havent received anything from 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 2016-03-29
Company: Resurgent Capital Services L.P.
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV Funding who has their debt collection conducted by Resurgent Correspondence Has illegally re-aged the debt on this account. This account was first delinquent in 2009 and is due to come off credit report this year as it is past the 7 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a XXXX XXXX and victim of identity fraud. In XXXX my employer informed me that someone collected unemployment in my name. As a result I enrolled in Identity Protection. I have had several XXXX XXXX cards opened in my name as well as a Wells Fargo account. Both banks would not provide contact information on the account and provided limited assistance. I requested a Security Freeze through XXXX XXXX on XXXX. It took a month for Wells Fargo to close this account. Ironically, this week on Thursday XXXX I was again informed by identity protection that someone was again opening three different bank accounts in my name.

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 2018-03-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to XXXX XXXX XXXX again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Upgrade, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was a few days behind on personal loan due to unprecedented effects from Covid crisis. Upgrade promised that they would not charge a late fee during this period. I am not behind with payments however since I was few days late making my monthly payment they have charged me {$10.00} late fee. I have spoken to at least 3 clueless associates and they insist that they can not and will not reverse the {$10.00} fee. It is {$10.00} guys. We are in the middle of an unprecedented crisis. You promised me numerous times that you will not charge a late fee. Come one, you are the XXXX  of XXXX  for your actions. Shame on you Upgrade. You lost a good customer for {$10.00}. I am not even late and in fact ahead of schedule. You are lucky that I care about my credit and trying to payoff this loan as soon as possible to never have to deal with you again. I hope your company wakes up before its too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am trying to establish a account connection for funds transfer from SEC registered XXXX XXXX XXXX and PNC Bank , National Association. PNC has been been non responsive in fixing the issue of allowing my XXXX Account to request fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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: Old information reappears or never goes away

Complaint:
Inquiry from Rentgrow should have been removed from my XXXX credit file this month as it is stated to when viewing 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 non-monetary relief
Consumer complaint received 2015-08-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other

Complaint:
The Citi bank credit card on my credit reports though in good status is not in my name! It is in the name of my live in companion but has nothing to do with me. He has had the acct for many years but it should not be on my credit records and would like it removed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I signed up for paperless billing with Citi for my new Costco Citi Visa card. When my statement period ended ( 10 days ago ), I did not receive an email notification regarding my statement.

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 2016-11-25
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I, like so many people, have had problems with FedLoan Servicing. They sent notifications that payments were sue to an email address I do not have access to, and made no other effort to contact me saying I was missing payments until sending a letter in the mail saying if I did not make a very large payment, my loan would default. I called an explained to a representative that I had not been notified that I needed to make payments which is when I learned they were sending notices to the wrong email address. The representative told me that she would fix it so it did not look like I missed these payments, but it still shows up on my credit report that I have several missed payments, and now my credit has greatly suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CITIBANK, N.A.
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I discovered unauthorized XXXX charges on my card in XX/XX/2020. Citicard notified me via email of suspicious activity within around 2 days of the charges occurring. I reported the charges as fraudulent within an hour of receiving this email notification. During this time several XXXX charges were made to my card. I disputed these charges with Citi and advised them that I have never used XXXX. I have spent hours talking with Citi for the last 3 months and they have not been able to resolve this dispute for all XXXX charges. They have been working on this but every time I talk with someone they don't have the authority to help me and need to get a supervisor. It is like they are reading from a card or script when helping me. I have paid my statement balance for the last few months minus the XXXX charges. I have now cancelled my card with them but I do not feel it is fair to make me pay for fraudulent charges. 

CitiCard XXXX Trip - XX/XX/2020 - {$55.00}

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 2021-12-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This regional debt on my report, states charge off written off. I submitted proof that we paid XXXX the collection company for regional. And payed whole amount asking for and my information and letter stated so. I want this status as paid as agreed, for we did exactly that. And my dispute did nothing of the sort. Remained completely the same as far as I see!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: MI
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:
They are stating I have missed payments across a few lenders which is incorrect I have provided proof of on-time payments to each lender specifically.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, Transunion on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts and FCRA 605B, 615 ( f ), and 623 ( a ) ( 6

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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:
XX/XX/2021 Certified Letter Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Certified Affidavit Proof of Identity Theft and Documents My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, Experian, and XXXX on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6

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 2017-02-10
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
They keep sending me collection notices in the mail and are reporting the discharged debt on my credit report as active and past due as of XX/XX/XXXX. the debt was discharged XX/XX/XXXX and sold to a different bank. the original owner of the debt was one west bank they sold this debt to XXXX and they collecting and misrepresenting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX college went out of business and loss there accreditation, so now im stuck with {$20000.00} in loans. I 've been trying to get this resolved but Nelnet wont tell me how to get my loans discharged. Plus XXXX college was sued by the Colorado State general and the college is supposed to be paying back these loans, but know one knows how this is done.

Company response to consumer: Closed with explanation