BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This bank treats me horrible i have all their emails they provide mis understanding information the last letter I received they say I cant bank with them previously they say its XXXX inquiries I told them Im a victim of identity theft their very rude and nasty their is a lady their that on the letter has a number she had been emailing me as well and she wont return my calls leave voicemails I just want to bank with them and have a checking account I dont understand why they give me such a hard time both online and at the branch whats preventing me from opening an account with this bank why wont they be nicer to me to get this resolved why ignore me and be nasty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This bank treats me horrible their customer service doesnt understand what identity theft is I have applied for the XXXX XXXX once and now due to so many applications they refuse to process my valid one and the fraudulent ones delete from their system they want me to wait 40 days to reapply their crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Upon trying to open a checking account on XX/XX/19 I became aware that XXXX XXXX has an account on my report, or somewhere in their system, of someone with a completely different name than me opening an account at XXXX XXXX XXXX XXXX. This discrepancy caused my application to be rejected. I ordered a report from XXXX that day because I was told by a XXXX employee that this was the only way I could talk with someone that could help me resolve the error. I received the report about two weeks later. I could not find any mention of the erroneous account on my copy of the report, so I called the XXXX  phone number on the report. The person I spoke with said they could see the XXXX XXXX XXXX XXXX account with my social and a different name, and that I would need to fax my social security card to them to prove I'm me. I do not want to do this. I do not trust them. I do not have very convenient access to a fax machine. Lastly, I do not want to do their job for them. I have had difficulty contacting and communicating with XXXX. They have been an awful and difficult company to deal with. It is clear to me that I am just cattle to them and not their customer. It would seem to be a simple, common sense matter for their database to flag or not allow two different names to be attached to one social.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
Capital One accepted a debt consolidation agreement for three separate credit card accounts with XXXX XXXX  XXXX on XX/XX/XXXX. Subsequently Capital One has submitted a total of 8 late payments to credit reporting agencies : Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Capital One representatives claim payments were insufficient and or received 30-60 days late in direct contrast to our agreement. Monthly statements from XXXX document the agreed minimum monthly payments. 

Capital One account ending in XXXX was at one time reported as 90 days late. I was able to have that removed from my credit report, However, eight payments reported 30 60 late remain. 

Im reaching out to CFPB to help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
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: Personal information incorrect

Complaint:
Numerous times i have contacted trans union to dispute the mortgage companies on my report. XXXX  mortgage company and XXXX mortgage. They failed to provide me with any verification on these accounts. So at this point, they are going against the fair credit reporting act. I do not have a mortgage with these companies. I want this incorrect information deleted immediately. Because it is effecting what i need to do in the future. Please remove this.

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 2021-09-17
Company: Early Warning Services, LLC
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: Old information reappears or never goes away

Complaint:
Someone opened up an account using my SSN to get bank accounts over the years and it has affected my banking situation and reporting. The following banks I have never opened an account with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Now XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Now XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: MoneyLion Inc.
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:
I have made several attempts with XXXX to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1. XXXX XXXX XXXX XXXX Account # : XXXX 2. Money Lion Account # : XXXX 3.  XXXX XXXX XXXX Account # : XXXX I am a victim of id theft and XXXX   has taken its slow time in removing these fraudulent accounts and XXXX has also violated my rights and broken the law 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously disputed the account in question in which the account along with others were removed. I have disputed this debt with you as well as XXXX XXXX multiple times but it keeps reappearing. The same company keeps adding this debt to my credit report stating that this is my debt. These accounts are being added as new accounts and I have never been to nor do I know of any company by the name of XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX. If you keep records of disputes made through your system, there should also be photos and documentation there as I did not keep all photos because I thought this matter was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Midwestern Health Management 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2016 I revcieve and Inquires that I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
To Whom it may : concern My name is XXXX XXXX, I live at XXXX XXXX XXXX XXXX, XXXX, Illinonis XXXX, my SS # is XXXX, I was born XX/XX/XXXX. I am writing this letter to you today to ask you to completely eliminate my student loan from Navient based on bogus practices. Navient is facing a lawsuit for the following : that they harmed student loan borrowers throughout the repayment process, the CFPB alleges that since at least XX/XX/XXXX, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans. 

Navient Plaintiffs regarding Navient lawsuit represented by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX in XXXX. 


As a result, the plaintiffs claim that teachers, nurses, first responders, social workers and other public servants are paying millions of dollars more than they otherwise should in student loan payments. 

https : XXXX -- XXXX XXXX all about it https : XXXX # XXXX I am a product of such practices. Because they have had me get several forbearanes, which caused the interest rate to skyrocket. I am XXXX dollars in debt maybe more with the interest rate. 

It is no way on Gods green earth I can repay this loan back, and I am now XXXX years old, not only that. The school that I went to is now closed down, because of their practices I was told that my diploma would be obsolete because they have lost their accreditation. 


Complaint regarding the XXXX XXXX XXXX XXXX According to the complaint, on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX campuses lost their status as an accredited institutions, so if they are no longer an accredited institution that means that my diploma is obsolete, no good, I went to school for four years, and I worked hard, and then when I went to them to help me find a job they said I have been out of the industry, so therefore my skills were obsolete, how terrible, I was really upset over this, how can you tell me my skills are obsolete. Education should be free if you go to school and then later your skills become obsolete. They said they would help me find a job and they didnt very false, very misleading representation. 

There have been so many complaints against the XXXX XXXX XXXX XXXX, so many students were done wrong by this institution. 

Therefore as a result of all this, I feel that my loan should be totally forgiven, I am close to {$90000.00} dollars in debt, I do not want to have such an astronomical debt hanging over my head, I feel my education was a total waste of time, and money that I did not get, and have nothing to show for it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: BB&T CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payments on my credit report from XX/XX/2017. 

30 day late XX/XX/2017 I am not sure how this happened. I believe I have made all of my payments to you upon receipt of the 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 2019-05-09
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern I had a XXXX XXXX account opened XX/XX/XXXX. Had over a 8 year relationship with them. Account was closed by XXXX due to them not being able to get a hold of me to confirm if it was me or not. 

Since I always paid on time and never had any problems with them they agreed to remove this closed account to all the credit reporters which was closed XX/XX/XXXX. 

After speaking with them several times this has still not been done. I always asked them to put in there notes. This way no one is confused as to what was said.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is claiming I owe them over {$1400.00}, problem being I never borrowed money from that establishment ... they are located on an XXXX XXXX, so they are exempt from state law.. I am the victim of identity theft ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
This is a formal complaint that XXXX, XXXX, & Transunion are reporting inaccurate and incomplete credit information. This a violation of XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are incorrect addresses and names on my credit report. 
There is a name of XXXX XXXX on my report - I do not know a XXXX XXXX. 
There are addresses on my credit report that I have never lived or resided. 

I have formally requested my address and name be updated on my report and I received a copy of my Experian and XXXX  with the information unchanged. 

XXXX  has updated my information with my correct name, employer and address.

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 2018-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 balance XXXX i have contacted this company and asked for validation that this account belongs to me with a singed document of some sort and they have not provided me with anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Global Resolution Group, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have recently started to receive calls from a company representing themselves as the XXXX  XXXX. They are blocking the number they are calling from and using a fake number of XXXX, which the XXXX prefix is not a legit XXXX, WA or XXXX county number set. In the pre-recorded voicemail they are advising that they are trying to contact me about a legal matter and I have not returned their calls. They leave a call back number of XXXX upon looking up this number I am directed to the website www.globalrg.com, which is a debt collection agency, based out of New York state. 

Upon researching the company they are not licensed in the State of Washington where I reside. Nor are they licensed in any of the states I have lived in previously over the last decade. In the state of Washington per XXXX XXXX to collect a debt in the state of WA you must be license and bonded with the state, which this company is not. I do not feel as though this is a legit debt owed as I have not received any documentation via US Mail from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent Synchrony XXXX XXXX  a letter two weeks ago stating that this account was fraudulently. I have not heard anything from Synchrony Home. Please remove and delete account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, lease block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 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 2018-08-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
EQUIFAX CREDIT MONITORING SERVICES, I HAVE BEEN A MEMBER FOR YEARS AND HAVE PAID FOR MONITORING AS ADVERTISED! I PAY AND THEY FAIL TO ACTIVATE MEMEBERSHIP, TIME AND TIME AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This letter is a request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. 
The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. Websters New Universal Unabridged Dictionary, p. 966 ( 2d ed. 1983 ). 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
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:
I have been dealing with Equifax for several months regarding these fraudulent accounts and inquiries on my credit report. I talked to several people at Equifax Consumer Affairs Office such as XXXX and Ms XXXX and neither representative have removed these fraudulent accounts and inquiries from my credit report. 

Equifax negligence has caused me to not get job opportunities because they refuses to delete and remove these fraudulent accounts. I have sent several letters as well as faxes but Equifax refuses to remove accounts. 

Equifax has violated my rights by not removing and blocking these fraudulent account under FCRA within four days. Equifax is also violating my rights be reinserting fraudulent accounts back in 2014 on my credit report without notifying me within five business days. 

XXXX XXXX XXXX XXXX representative by the name of XXXX XXXX sent me letters stating for all three major credit reporting agencies to remove these fraudulent XXXX XXXX accounts from my credit report, but Equifax refuses to follow the law. This is why Equifax is constantly getting sued because they are refusing to obey and follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. 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 2020-11-06
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. XXXX XXXX has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with XXXX XXXX with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. 
XXXX XXXX

Company response to consumer: Closed with explanation