BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Meridian Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I spoke with XXXX XXXX from XXXX XXXX XXXX in regards to closed and not actively collecting nor owed on contract XXXX. She mentioned this account is closed and not requiring payment. She confirmed this via phone and email. XXXX confirmed as well with the resorts company that he can enroll me into a new time share agreement given those old contracts were cancelled and no longer exist or active, many changes were made after covid. This debt is not owed and balance is incorrect by the debtor meridian financial and I request the validate this debt with original contract with signatures and identification.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: OK
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:
I contacted Experian credit agency and informed them that the information they are reporting is paid off and is closed

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-11-26
Company: Experian Information Solutions 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:
Dear Experian : I want that you take a look at this account and figure out why there're in my credit file with multiple inaccurate, errors and mising information. 
It would be great if you send me the new report detailing the deletion. 
XXXX XXXX Account number : XXXX Opened Date : XXXX   XXXX. 
Opened Date : Experian XXXX. 
Inaccurate Open Date must be deleted inmidiatly. 

Account status : XXXX reports : OPEN Experian reports : CLOSED Inaccurate account status must be deleted inmediatly. 

Payment history : XXXX reports : no payments Experian reports : charge-off Missing payments history account must be deleted inmediatly. 

Also this account obviously has been open in a period of time where I been living in a shelter since XXXX until XXXX. 
Please see attached Residency letter from shelter. 
Theres a picture of the deletion of this account from XXXX as proof of they are using the right method of verification

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 2019-08-22
Company: Collection Bureau of America Ltd.
State: OH
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:
On XX/XX/19 I returned a water dispenser to XXXX XXXX XXXX. XXXX XXXX accepted the equipment and emailed me the return form which brought the balance down to {$0.00} as she stated I was only being charged for the equipment. She then emailed me a screenshot of her computer screen showing {$0.00}. I have now opened 2 disputes with both XXXX and XXXX  regarding collection bureau of America intentionally reporting incorrect information on all 3 of credit reports. The credit bureaus are allowing this with fake investigations even with me having documented proof the info needs to be updated and removed. When speaking with CBOF on XX/XX/XXXX, I got the run around and a younger XXXX XXXX XXXX with an aggressive undertone stating he'd call me back without even knowing who he was talking to. I made a 2nd visit to XXXX XXXX after this call to see if I could work directly with them to clear this up. I spoke with the route manager XXXX. He pulled up the account and verified for the 2nd time there was a {$0.00} balance. He couldn't find any existing bills. He gave me XXXX collections dept # to call, I called at XXXX and was left on hold with no answer until XXXX when they closed and phone disconnected. All of these companies are in total violation of fair reporting laws. I know for a fact CBOF can not verify I owe them {$340.00}! That's how I know the credit bureaus are not really researching anything. I will be opening up a complaint with the attorney general if this situation doesn't get researched and rectified at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute in regards to some of the incorrect accounts posted on my report. it has been 30 days and i haven't received anything speaking on the investigation reports this isnt the first time this happened its ridiculous, this is affecting my credit report because you cant verify these accounts and are adding unnecessary inquires which causes me to look like a liability with alot of inquires ima need somebody to do their job the correct way or verify it the correct way. i also numerous times spoke and stated my information was compromised in the XXXX data breach i am asking this be deleted immediately. 

XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2022-09-02
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-06-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$3200.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/2017 Balance : {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Enhanced Recovery Company ( ERC ) did not send me a " Notice of Debt '' before reporting this account onto my credit report. So, I disputed the debt with all 3 credit bureaus, in which they responded back to me and told me that ERC validated each time I disputed the account. So, I sent a validation request to ERC on XX/XX/19 ( see doc 1 ) which they ignored and didn't send me any documentation verifying that I am the correct consumer who they are trying to collect a debt from. Per FDCPA, ERC supposed to do the following and they did not : notify me of the alleged debt, cease reporting & collection until the debt has been verified, 5 days after initial communication send me a document showing the original creditor, the amount owed, and the address of the original creditor with the debt collector statements written on it. 
My rights as a consumer have been violated several times by ERC and I'm sick and tired of it. This collection account has cost me to lose funding for my home which I needed badly for me and my boys. This entire process has been tiresome and stressful. This is my last resort to get help with this account. My next steps are to file a lawsuit for the multiple violations that have been committed against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm a traveling XXXX XXXX  working COVID-19 and have been for a year. XXXX XXXX closed my account in XXXX of 2020 without notice. I was never notified, I called multiple times requesting to speak with a supervisor. I never received notification through the application on my phone. So I'm confused as to how they reported me 30 days late. Especially when I have autopsy setup. I have an email from a supervisor admitting they the close my account. At the time of closure my account wasn't past due. Matter of fact XXXX  owes me money in which I have yet receive. There hasn't been proper follow-up on this matter. I'm grossly upset regarding how they handled this situation. They have been very non chalant and down right rude at times. I was even told to open a new account. But the closed one was never properly handled or addressed. Communication is terrible.

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 2022-09-02
Company: EQUIFAX, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$16000.00}

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 non-monetary relief
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 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 2018-02-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bayview Loan Servicing is stealing mortgage payments and claiming they never received your payment. During my Trial Loan Modification I made all 3 of my payments on time. XXXX XXXX is a very dishonest person, she lied saying they didnt receive my XX/XX/XXXX payment. Today I decided to go online and look at my statement and I can clearly see where Bayview Loan Servicing received my payment on XX/XX/XXXX in the amount of {$710.00} and it was credit to my account on XX/XX/XXXX, a blind man can see the fraudulent activity going on here. XXXX XXXX sent me a letter yesterday saying my Loan Modification is  denied because I didnt make my last payment. Is XXXX really that XXXX, she doesnt see the payment? I have done everything to resolve this issue. I will be going forward with a lawsuit against these CROOKS! My Loan Modification was APPROVED and EXECUTED because I did everything I was supposed to during my Trial Modification Period! Something serious is wrong with XXXX XXXX and she needs to be terminated and locked up for trying to steal and scam people!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Consumer Adjustment Company a request to block a fraudulent account that is being reported on my credit report. The request was sent via certified mail recorded delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Navient Solutions, LLC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filled bankruptcy and the judge declaired my student loans be discharged. Navient keeps adding back to my report after disputing and removing it. They are also changing to XXXX XXXX to report. I have a full discharge on both companies. Please make them stop placing themselves on my reports. I am working hard to repair my credit and this is becoming a negative experience.

Company response to consumer: Closed with non-monetary relief