BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: On-Site Manager, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/18 I was denied for my housing application because the housing background check found a case and automatically assumed I was evicted. I was never evicted the case was withdrawn and Im still being denied a roof over myself and my childs head for false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Niagara Restitution Service Inc
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I recieved a call from XXXX XXXX at work on XX/XX/XXXX about monies owed for XXXX XXXX I needed to pay or i will be sued. I explained I was closing on my home on XX/XX/XXXX I would pay the debt at that time. On XX/XX/XXXX XXXX XXXX called back. I called him back to settle the payment on XXXX. The payment was declined by my bank for fraudulent activity. They tried to withdraw XXXX 8 times that day. My bank canceled the card. I then started recieving threatening calls from various numbers. At this time XXXX started threatening me that a summons was being issued and I was going to be arrested at my home or place of employment and that my drivers license was being suspended. This company goes by Niagara restitution. I called purchasing power they sold the debt to a different company not Niagra Restitution. Everytime I call back regardless the number they called me on, the same person answers no secretary or automated recording. They call me every hour harassing me. This particular debt isn't on my credit report. My husband asked XXXX for a debt verification letter and she is supposed to be sending one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When trying to temporarily remove a credit freeze on my experian account, the online access would not work. After many frustrating attempts, I finally figured out that I had to turn off my VPN protection. No where in their documentation did they state that you could not connect to their site thru a VPN. So I can't protect my connection that I send my SS # over with a VPN, nice. Second problem, the phone number they list to call to get assistance only goes to a phone tree with very limited options, none of which addresses the temporary removal of a credit freeze. I did find a phone number in a unrelated manner that connected me with their customer service group over in XXXX ... ..after an hour and 58 minute wait. This is really unacceptable for a agency with such power to be unaccountable and unreachable.

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 2020-01-28
Company: Meridian Financial Services, 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: Account information incorrect

Complaint:
On XX/XX/2019 I sent a debt validation letter to Meridian Financial Services requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$4800.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Meridian Financial Services has failed to validate this alleged debt. They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C section 1681b. Meridian Financial Services is also in violation of 15 U.S.C section 1692c ( c ), after being notified to cease and desist all communication with us.

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 2022-08-06
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I am taking this opportunity to complaint about my credit and thousands of others like myself suffering from unfair credit reporting system. The banks ( especially credit unions ) are taking government funds with the name of consumers but never passing those benefits along. During pandemic this was the standard practice and I am one of many victims suffered financial set back from the banks absorbing the funds which was supposed to help pay for consumer debts. Not to mention banks are trying to double dip by collection and intimidation. 

Personally, I have lost jobs and stability from the beginning of pandemic. Struggled for 2 years to improve myself back to baseline just to find out my credit taking a hit because the so called non-profit bank is being greedy. 

This should be looked at by governing body, audited and bank must be held accountable for unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been disputing with Equifax since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments reported, collections and accounts that have been charged off which are all inaccurate and against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2019, I was informed that I owed {$140.00} to a medical provider. I had moved residences the previous years and had not received notification prior. I called the collections agency, LCA to pay the bill. The female agent I spoke to would not allow me to pay the bill without settling another claim that I had no information about which was in excess of {$1000.00}. I immediately called the medical group and paid the money owed. 

XXXX  continues to report this collection despite numerous requests to remove it. XXXX  and XXXX  have both removed the report. LCA says they can't remove it and the Medical provider says they have no control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: MI
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:
Equifax Has messed up my credit report they have my brothers name on my credit report also a decent amount of his items has ended up on the credit report 98 % of a high inquiry on my brothers I was on XXXX XXXX XXXX XXXX  waiting list for over four years I finally got approved with the XXXX XXXXXXXX well I could not find a house with in the time frame because of my credit so I lost my XXXX XXXXXXXX and now me and my kids have been XXXX the last six weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Waypoint Resource Group, LLC
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:
Creditor Information WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-02
Company: SUNCOAST CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
From about XXXX to XXXX I was the victim of XXXX XXXX  and my XXXX stole my identity and used my name for several years and things I was to afraid to tell him I knew what he was doing and didnt approve. He opened bank accounts in my name, had a couple leased houses in my name, some credit cards and was always trying to get loans. His name was XXXX XXXX he was finally caught and me and 5 other women were rescued. I went through a court diversion program called XXXX XXXX which provides victims with assistance and counseling, intended trauma treatment and even counseling services. I graduated from the program after a year on XX/XX/XXXX. My XXXX got XXXX XXXX XXXX XXXX for what hes done to me and the others but this has severely affected everything. My credit, my background, and many other things. I just want my life back to normal the way it was before I was XXXX XXXX XXXX and XXXX XXXX XXXX among many other things. So I would like this on record as to why I am struggling so hard with credit and banks and dealerships and I cant even rent my own apartment because he has 2 evictions in my name. I wanted a chance to tell my side of the story now that Im no longer his victim. I also have all kinds of hard inquiries on my credit that I need to get removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Capital Accounts, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid in full ahead of having dental work performed and I have a copy of the contract stating I prepaid in full, thousands of dollars and a receipt for the payment. Three years later, out of the blue, XXXX XXXX XXXX sent me a bill for some random services for over a thousand dollars that were not in the original contract. They also tried to double bill my insurance company 3 years after treatment and it was denied. When I refused to pay, they sent me to Capital Accounts for collections. 

I wrote Capital accounts and told them that no money is due, that I wouldnt be paying a dime and to not contact me again. 

They constantly call me on my cell and my home number every day and send threatening letters every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately. 
I've sent letters stating this issue for about two months straight Experian have not answered my request XX/XX/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 non-monetary relief
Consumer complaint received 2021-03-27
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im on a XXXX XXXX forbarence and i wanted to extend it and instead the paper work was done wrong and i got all past payments defered. But I did not want to do that .... I am still in forbance ... .Because I asked for another 3 month. Anyway I was discussing with Mr cooper at the end of XX/XX/XXXX, I would like all payments to be put on deferral to the end of the loan. I was informed that I could not because I had already did it in at the end of XX/XX/XXXX, but I must of filled the wrong box because I didnt ask for the defferal of payments, I just wanted a extension of my forbarence .... I would like to start making my regular payment, starting XX/XX/XXXX and have the past put at the end of loan,,, Mr Cooper says I cant because I already did it once ... ..well can you help me get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My old accounts from XXXX XXXX Bank were removed from all XXXX Credit Bureaus when I previously checked my credit report in XXXX of 2016. When I checked my report on XXXX XXXX, 2016 the accounts were back on my report and updated inaccurately without any notification.

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 2019-08-15
Company: M&T BANK CORPORATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have submitted 3 applications for a Mortgage Modification with M & T Bank 's Homeowner Assistance Program. We were approved for the 1st time in XX/XX/2019 with the 1st payment being for XX/XX/2019. We made arrangements with M & T Bank for our 1st payment to be withdrawn from our checking account on XX/XX/2019. I was NOT aware that the bank where our checking account is located ( XXXX XXXX XXXX XXXX ) held/froze our available funds without our explicit knowledge ( or approval ) on the same day our M & T mortgage modification trial payment was scheduled to be withdrawn ; therefore, the mortgage modification trial payment was denied by XXXX XXXX XXXX XXXX where our checking account is location. We did not receive any information that our checking account 's funds were frozen until 7 business days later. By that time, the mortgage modification trial payment was declined by XXXX XXXX XXXX XXXX. M & T Bank proceeded to cancel our Mortgage Modification application. We submitted an appeal with proper documentation and proof from XXXX XXXX XXXX XXXX that they withheld our checking account funds. M & T Bank denied our appeal despite the aforementioned documentation. We then began to utilize a housing counselor to attempt to try to work with M & T Bank and reinstate a Mortgage Modification. We submitted a second Mortgage Modification application. Again we were denied by M & T Bank and they claimed because we " defaulted '' on the previous Mortgage Modification trial they could not approve the application. We again submitted yet another appeal and they again denied the appeal. At this time, they began to file Foreclosure court papers against us and retained lawyers. We have been served said papers and are supposed to have a Mediation meeting scheduled with the local court ; however, this has not happened yet. We have submitted a 3rd Mortgage Modification application through M & T Bank upon M & T 's suggestion and through their respective lawyers. Today we received a 3rd denial of a Mortgage Modification. 
We have tried working out payments with M & T Bank but they are refusing to work with us. We have kept lines of communication open with M & T bank and they are refusing to communicate solutions to us. M & T Bank has the ability to approve our Mortgage Modification application and override their policies that are blocking our application from being approved. We will further explain that one of the cosigners of the Mortgage Loan and our son are XXXX ; however, both receive monthly income from Social Security.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation and remove the false information from my credit report, they have yet to respond to me about this 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 non-monetary relief