BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Meridian Financial Services con tinues to put a collection account on my credit report. I have been successful in having the collection account removed, however this is th e 5th time they have erroneously reported this information on my credit report. I have spoke   to the collection agency and explained to them that this debt was acquired by my dad who passed away in  XXXX   XXXX . The collection agency also knows this is not my debt because my dad purchased this timeshare in  XXXX  and I was only  XXXX   yea  rs old.  Also my name is  XXXX   XXXX   XXXX  and my fathers name is  XXXX   XXXX   XXXX . My SSN starts with  XXXX  and my dad 's SSN starts with  XXXX . I do not think this a case of mistaken identity, I think this is a case to harass me about a debt they can not collect from my father because he passed away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
had requested Experian to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

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 2017-01-28
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Have XXXX damage claims with Midland Mortgage, one XX/XX/2016 and the other XX/XX/2016, and they wo n't release insurance checks for repairs. Contractors turned me down on XX/XX/XXXX claim, which will soon expire, due to Midland Mortgage actions. Contractor sent all documentation for XX/XX/XXXX claim day we signed contract, plus I resent and Midland Mortgage continues to say have not received, which has presented contractor threatening to sue for work completed. Please read customer reviews on Midlandmortgage.com to find this is the way they are treating all their customers. Our only way is to refinance and that 's not fair. My insurance agent says that many checks have already expired due to Midland Mortgage unorganized mess. Do they not understand we ca n't take care of repairs without " OUR '' insurance checks.

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 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
disputed errors on reports with all bureaus with no success

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 2017-05-15
Company: JPMORGAN CHASE & CO.
State: NH
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:
Chase credit  card charged interest on full amount of credit card bill (  XXXX  ) payment was (  XXXX  ) with a shortage of (  XXXX  )  Interest  was  (   XXXX  ) ) Call to  Chase and was told  this is not double-dipping. Is this true? Sounds very underhanded to me.  XXXX   XXXX  credit card number  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Bill date is due  XXXX / XXXX /17

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Experian has held me hostage as I was asked by detectives to freeze my accounts and case XXXX. CO. XXXX case # XXXX. That Experian gave away all my personnel info to a fraudulent application and it was wrong name but write social.Birthday was wrong address right but " NO '' signature, " NO '' phot id and then lost my mortgage application because of them ... .Now trying to move forward as XXXX victim, Experian has Freeze that they wont lift ... Can not get a hold of anybody at Experian live and 2 weeks trying to lift freeze they still say system down, bank is calling for XXXX attempt to get mortgae refi but Experian is not reachable or available with system down so I am hostage ... This is a violation of consumer protection laws that a private company hold hostage without a phone # to call for emergency service. This is insane. Holding me hostage I will take legal action later against all entities that prevent me from lifting freeze, giving my id info out under wrong name and has " NO '' communication ability for speaking to ... This is illegal and will be first to take to supreme court for justice and CFPB has allowed this. As a XXXX or not person this must be rectified for furture consumer issues that a live phone # is available for contacting this aganecy Experian. This is Hostage of another form ... Wait till I lock up XXXX of customers credit reports and yours with " NO '' way to contact me ... see if you like it or think its fair ... If your the fair credit Bureau of investigation. This is criminal in all directions and want legal action so this does not happen to ANYONE now that my bank for a XXXX time at my cost is trying but ca n't move forward I will file a {$250000.00} law suite for the mortgage I have tried to refi XXXX 's ... LIFT MY FREEZE ON EXPERIAN!!!! XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15
Company: Orions Management Group, LLC
State: CA
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:
In  XXXX  of  201  7, when attempting to purchase a car, I learned that Orion Management Group, purchased an old debt, original cr editor,  XXXX   XXXX , in  XXXX   2017 . Initially, I was not sure w ho Orion w as, it just appeared on my credit as a debt of over  8000.00 do lla rs ( incorrect amount and over the amount of original debt ). I did a   XXXX   search on Orion a nd called them on  XXXX   XXXX ,  2017-the office  was closed. However, this is when the harassing phone calls began as they retrieved my number from caller ID when I called them on  XXXX   XXXX ,  2017  in an attempt to gather more information.     Since  XXXX   XXXX ,  2017 , I have received multiple calls stating that they have attempted to serve me with Court papers and if I don not respond I will possibly get arrested-each time this call has transpired I have actually been home and no one has showed up with Court papers.     Today,  XXXX   XXXX ,  2017 , I received a call as well as my mom, stating our property is in jeopardy and we MUST respond or it will be transferred to local jurisdiction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
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:
CRA continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of  XXXX  but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2016-06-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing the same fraud accounts on my credit file and experian is giving me a hard time with removing these items. I have spoken with rude people such as XXXX and never had a chance to speak to a supervisor as I requested. I have sent in and faxed in a copy of the most recent police report and yet nothing has been done. Experian is making it seem like this situation is all my fault.

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 2017-05-15
Company: Amsher Collection Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently pulled a copy of my credit report and noticed an unfamiliar company listed under collection so I disputed it with credit bureau and they send me a letter saying it was verified to be mine. I do n't have or recall even signing a contract with a company by the name listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On Saturday morning around   XXXX   XXXX  , I went to the Chase Bank #  XXXX  on  XXXX   XXXX   XXXX   XXXX  in  XXXX , Texas to try to open an savings account. I was received by the Teller I asked her nicely that I wanted to open an savings account and she kindly said I needed two forms of identification, which I had at the moment my current Texas  Driver License  and Social Security card. She never mentioned that I needed other forms of identification. Few minutes later, the  manager, he could do for me : I explained I needed to open an savings account for the amount of {$820.00}, without him asking me I set both identification cards on his desk. Then he asked me for my legal status if I was citizen or a resident. I told him that no one disclosed that I would need my legal status in order to open an account and that at other institutions I was only asked to give my  two forms of identification that I mentioned earlier. I feel that is a racial issue and stigma towards me. I told him that " I felt discriminated '', and he rudely told me " no one has ever said anything like that ''. Regardless of the banks policies, I felt that two  forms of ID were enough for me to open an account with them. I feel that my civil rights were violated by this man. I strongly do not feel he should be in charge to represent as  the manager of this   outstanding bank or any bank institution. The teller never told me I needed my citizenship or resident alien card. I do n't feel that my legal status define me as a person with a lot of money or no money at all for him to treat me this way. I would want people to know so that it wo n't happen to them. Th e manager in   the Saturday morning shift. He rejected me with all possible intention. I spoke   XXXX   to him in all conversation because I felt comfortable speaking in our native language and that is how I initially asked, he never thought that I spoke   XXXX   to begin with. How was he able to define my legal status? By my appearance? I am very disappointed. Am I to bring my citizenship card to open my account? Saturday morning  X/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There are several issue, experian have deleted account in good standing to ruin my credit history, rei aerated previously deleted informations, improperly shared my formatin with collection law firm which requested nformation has nothing to do with employment or extending credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Santander Consumer USA 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:
Fraudulent account. They have stated they ca n't find the reference account in previous complaints yet it 's still being reported to  XXXX  as erroneous information and violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing,  XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX  (  XXXX  )  XXXX , is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money. At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX   ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports. Convergent Outsourcing is in violation of the following : Fair Credit Reporting Act Fair Debt Collection Practices Act Defamation of Character.   I have made several attempts to resolve this issue but the company indicates that they do not have the account in their records but it continues to appear on all  XXXX  of my credit reports.   Account #  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 2017-05-15
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
a collection account was opened  XXXX   XXXX  amount {$66.00} the  XXXX  amount {$750.00} I did not know this was on my credit report until this year. I paid both of them in   XXXX  . I never got a phone call or anything thing in the mail saying it was an issue with the payments. or that it was not paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For over 3 months weve been going through the process of refinancing a rental condo with Chase bank. After providing them with everything and even having an email from them that everything was approved, the suddenly denied the loan stating that the income to debt ratio did not meet their requirements. They had this information from the very beginning. It seems like the only reason they didnt approve the loan is they didnt want to honor the lower adjusted rate offered with the condition that I transfer money to their bank, which I did. I have an email from them stating everything is cleared and all that needs to be done is for them to make the rate adjustments, and then suddenly they came up with this lame excuse about information they had from day one and had still approved the loan. What they did to me and my sister should be illegal. We went through so much stress and XXXX and provided everything they asked for and only because they didnt want to honor the rates originally offered, they dropped the ball last second.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Nelson Cruz & Associates LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Nelson, Cruz & Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX sends repeated statements for money due, threatens suit several times, claims payment made on debt and debt is still collectable even though debt is from XX/XX/XXXX. Stated would send documentation by email re debt but instead got another demand letter. XXXX associate claimed debt was from XX/XX/XXXX and they will immediately file suit. XXXX associate at company stated debt is not time barred for a payment was made which is false.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2015-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I was billed {$10.00} for temporary removal of credit freeze on XXXX XXXX, 2015 by Experian Credit Bureau that never took place. The auto dealer could n't get the credit report ( he showed the locked credit report statement ). I called Experian for a refund and they said XXXX is on the way but I never received it. This time I got charged XXXX times {$10.00} transactions on my credit card ( total of {$50.00} ) on XXXX XXXX, 2015, but once again a different auto dealer could not pull the credit report. I still do n't know why I was fraudulently charged XXXX times for transaction that showed error message when I initially tried to place a temporary release via the website. I spent over XXXX hour calling XXXX different phone numbers, on three different days, talking to XXXX different people, and kept getting a run around. I have {$60.00} worth of fraudulent charges on my credit card by Experian and no one over there knows how to fix the issue. I can NOT believe government regulators are letting a credit bureau keep track of credit information when they have committed deliberate act of fraud against me and XXXX of other customers. If CFPB wants to help consumers, this is a perfect place to start with investigation of credit buearu compliance. Checking other internet websites, Experian Credit Bereau has a repution for steeling and committing fraud against innocent individuals!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My legal name was not documented or mistakenly written. Instead of XXXX XXXX, they have it as XXXX XXXX XXXX. Basically, I do not have a middle initial

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 2016-06-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
No matter what web site I try I am unable to get my credit report or XXXX score

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