BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Early Warning Services, LLC
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Applied for two separate deposit accounts and XXXX  XXXX and XXXX  XXXX XXXX I was declined because of this darn credit system which is all fraud. Early warning services , LLC says its a government agency. Where to start with XXXX, CFR, XXXX violations and Consumer laws that all of these corporations are in on to deprive the true creditors. Buckle up sent off some documents to be authenticed and correction of status. I will not stop until I expose and everyone of this corporations indentured trustees will be filed on in federal court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: Block, Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Refusal to cancel 3 fraudulent transactions and refusal to refund them as well. Its been almost 3 months still not resolved and communication isnt being kept by the company. And a refund from 3 months ago still hasnt been resolved four a charge where the services were never provided for a prepaid service. Ive filed numerous disputes with the company and have only been told that the dispute was expedited to a team you better handle it and then never hear back. I have also advised them of their legal responsibility and they immediately refused my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Meridian 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:
For several years a collection company named Meridian Financial Services has been posting a changing debt on my credit report an though trying to dispute it i have always failed. The amount changes regularly between XXXX and XXXX and i have never received any information. It is supposed to be a bulling by a timeshare company in California. More than 16 years ago my friend XXXX XXXX purchased a timeshare week with XXXX XXXX XXXX but returned it within the first 30 days, so he told me. He never received any title or ownership and he has never been billed for any maintenance in all these years. Some years ago Meridian FS starting posting collection debts on my credit report, first there were 3 or 4 and then just one for the last 2 years. These collection amounts go up or down over a year without any explanation as to why. I have never received any ownership from the XXXX XXXX XXXX nor any billing of any kind. I do not own anything with XXXX XXXX XXXX  and they are not entitled to bill me for any maintenance for something neither XXXX not I has ever owned from that outfit. Meridian is totally unresponsive and i guess is part of some scheme to pressure me to give them money. This situation has been going on for many years that i can remember, maybe nine or 10 years already, not sure how many years. Please help, 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 explanation
Consumer complaint received 2022-06-02
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been contacting Discover for several months to update my address since I did not receive a statement. My address was not updated and I never received a billing statement. I noticed on my credit report that they reported my account as past due. I contacted them to pay the bill and they offered me a settlement amount which I paid. I was advised that my account would be reaged since per the FCRA, they could not report me as past due since I did not receive a statement. I received the attached letter to confirm my account was settled but when I contacted them back they advised they had no record of updating my credit history. Cleary, I had the ability to pay over $ XXXX for the debit but once they took my money, I feel like I was deceived and they will not take the responsibility to resolve an easy issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Ally Financial owes me {$33000.00} and XXXX lbs of gold for failing to rebut my affidavit. I sent Ally Financial an Affidavit of Billing Error Notice. Ally Financial failed to give me a complete disclosure therefore I am rescinding the agreement. 

CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 - False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 - Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation ) Constructive Fraud as well as actual fraud may be the bases of cancellation of an instrument. XXXX XXXX XXXX XXXX XXXX v XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( 1979 ) 15 USC 1605, 1635, and 1662

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 2022-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital one needs to provide me under 15 USC 1602g who authorized the use and permissible purposes as the original creditor to use my information to report this negative account under my name? Otherwise the account reporting needs to be block and deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX has been reporting XXXX XXXX XXXX XXXX on my credit report : I have not authorized this and the company has not confirmed that I owe them. Based on law this should not be on my report. I do not owe this company or authorized anything with them. Please have XXXX Remove this within 30 days or issue compensation. Based on 15 USC this should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We submitted a refinance application to Flagstar bank in late XXXX XXXX. After XXXX XXXX months of being in process, we were told a separate flood insurance was required on our semi-detached garage AKA outbuilding, because our current flood insurance was not inclusive of this building, even though that policy does clearly say inclusive of outbuilding. We conceded but were barred from upping the coverage on this existing flood policy, " it has to be a totally, separate policy. After XXXX policy was submitted, we were then told that the debris & sandbag must be in a separate rider??? After several modifications trying to satisfy their ongoing demands, Flagstar 's representative XXXX XXXX stepped in and dealt directly with the flood insurance company. We finally were allowed to close but for closing we received XXXX different closing docs all with different escrow amounts, receiving the final amount stating an overage in escrow of XXXX on the day of closing XXXX, XXXX. 
In XX/XX/XXXX we received a letter from Flagstar stating that a flood insurance policy of {$250000.00} was required on the semi-detached garage AKA outbuilding? We immediately contacted XXXX XXXX ( Flagstar 's representative ), And sent us an email confirming that this XX/XX/XXXX letter was sent in error and this refinance is CLOSED and resolved internally? We have now learned that a forced flood insurance, effective, we guess in XXXX XXXX, was placed on our property making us then have XXXX flood insurance policies. 
That we have a {$2100.00} shortage and that even though we complied with every demand this mortgage company issued we still got harmed and have no trust / security. 
And we feel that we are being discriminated against because of ethnicity and age.

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 2022-06-02
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Background : I have a federal XXXX student loan with ECSI Heartland that I took out from XXXX. The original balance was XXXX and I currently have approximately XXXX remaining. I put my account on auto-debit prior to XXXX of XXXX so I wouldn't have to worry about missing a payment. ECSI auto-debited {$110.00} from my checking account each month prior to XXXX of XXXX. In XXXX of XXXX they did not auto-debit my account and I received a notification that month that my loans had been deferred because of COVID-19. Each statement I received in each month thereafter showed that I had a past due balance of {$0.00} ( see attached statements ). 

This morning I was unexpectedly charged {$110.00} dollars ( the amount of my monthly payments ) on my XXXX loan by my servicer, ECSI Heartland. Logging in to my account, the online portal told me I had a past due balance of {$280.00}, and that now, with the {$110.00} auto-debit, I still owed {$170.00}. 

I had not made a payment since XX/XX/XXXX due to COVID-19 forbearance and received a bill of {$0.00} each month since then. I was under the impression that XXXX loans, as federally-subsidized loans, were in forbearance until XX/XX/XXXX and had not received information to the contrary. 

When I called and asked why my account was auto-debited and why I suddenly had a past due balance, the person I spoke with told me my loans were no longer in forbearance. When I asked why, she told me that XXXX XXXX " aren't part of the XXXX Department of Education '' ( WHAT? since when? ) and therefore ECSI didn't have to follow the CARES Act or the deferral issued by the President this spring. 

She also told me that the past due balance was for an unpaid month -- XX/XX/XXXX. When I asked her why it would be unpaid if I had enacted auto-debit, she told me that my auto-debit had been " temporary. '' When I asked why ECSI then was able to suddenly resurrect my auto-debit in XXXX, she could not answer. 

I was not notified that ECSI was not party to all other federal loan regulations. I was not notified that I had a past due balance for two years. I was not notified that my audo-debit would resume this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: TX
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:
I filed a dispute with Experian on XX/XX/XXXX on this account letting them know I have no knowledge and requested a full validation under XXXX  XXXX and requested information on the company right to collect under fair credit and billing act. I have not heard back from Experian. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the XXXX and XXXX. 

disputed account : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$560.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number 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 2023-07-10
Company: EQUIFAX, INC.
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:
I've submitted a letter to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Along with an FTC report on one item for identity theft ( as a police report was made as well back in XXXX of XXXX ( i will note what account ) XXXX, equifax and XXXX have all ignored my complaints.I have sent another set of letters out XX/XX/XXXX regarding the hard inquiries on my report that does not belong and has been well over 2 years, and nothing has been done to fix the issue. I will list all the accounts and note what account was fraudulent. thank you! 
Credit Inquiry from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: NJ
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:
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 without my written instructions. 

It is not my name on debt. 
I have been living in same address for more than 10 years. Never had those services. 
Never had knowledge of debt until it hit credit reports and lowered points. 

XXXX AND XXXX Lowered score wrongfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was alerted on XX/XX/2022 that I would be charged an annual fee of {$59.00} by Bank of America. I called them requesting to close my account on the morning of XX/XX/2022. ( as soon a I could on the next day ) The charge is due on XX/XX/XXXX, XXXX XXXX and a half weeks from today. I was told that they would close my account, but that I still owed them the {$59.00} fee. I said that was theft of ( non ) service. This is ridiculous. Bank of America = thieves

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 2022-06-02
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new 2022 vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my XXXX, XXXX, and XXXX credit les and found that someone has been using my identity to obtain credit from several creditors. These creditors include Goldman Sachs Bank ( {$20000.00} ). I have filed an Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Ive recently disputed with all 3 bureaus a bankruptcy that they are reporting on my credit report that should not be on there. All 3 bureaus have ignored my letters and have ignored any other questionnable accounts I've addressed as well after learning about the FCRA. 

XXXX XXXX Bankruptcy REF : XXXX is showing on all of my reports and I have a letter from that court attached stating that they DO NOT REPORT that kind of information to credit bureaus. 

XXXX Account XXXX XXXX This violates 15 USC 1681 602A ( My right to privacy ) 15 USC 1681 604A Section 2 ( This furnisher was not given writted instructions or permission )

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 2022-06-02
Company: AFNI INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a XX/XX/XXXXaccount. I reviewed my credit report and found a fraudulent entry. It appears XXXX reported to AFNI that reported to the credit agencies XXXX and XXXX that I did not pay a bill. This is impossible because I dont have a XXXX account. The XXXX client account is not mine. If you check that account, it states the name is different. This faulty name is tied to my personal information. ( SS #, Address, DOB, etc. ) This is costing me thousands of extra dollars due to a higher interest rate on a home loan because of the lowered credit score caused by this matter. I tried to track the problem through AFNI, they said it is not there problem. They sent me to XXXX which is part of XXXX now. I spent hours going in circles trying to get it fixed. The links at XXXX do not work. XXXX has fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation