BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: Meridian Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Meridian Financial Services , Inc. continuously calls and leaves messages on my cell phone which appear to be in some foreign language, as I am not able to understand any of the messages. Additionally, they are sending letters addressed to my ex-husband, who does not live at this address, and has never lived at my address. I have written a letter explaining that my address is not his address to no avail. I have returned 4 letters stating the addressee does not reside at this address. However, this company continues to harass me with these calls and letters addressed to my ex-husband.

Additionally, this company has placed 7 collection items on my credit report for timeshare fees to a timeshare that I do not have possession of, access to, or deed for the property. This timeshare unit is in the sole possession of my ex-husband, and he holds the deed to this unit. Additionally, the fees appear to be in excess of 12 years old.

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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My credit was ran without my consent or knowledge on XXXX by XXXX XXXX XXXX, when I called them to ask if they had an authorization, identification of the person that applied for credit in my name, they told me to contact the credit reporting bureau & hung up the phone on me!

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 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, XXXX and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them XXXX more chance to correct their errors and FIX my record. Please Fix the account XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have XXXX days to FIX the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: JPMORGAN CHASE & CO.
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:
JP Morgan Chase Bank is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ), 15 USC 1692 ( c ), and 15 USC 1692 ( b ). And I am requesting they provide a debt validation letter and a sworn affidavit within the next 30 days and provide a law that states a consumer has to pay an alleged debt. Documents are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I attempted to logon to Experian to obtain access to my credit report. I need a credit report number to file a dispute and the service I use through XXXX does not give me a credit report number. When I attempt to login to the site, to purchase a copy of my credit bureau, it gives me an error. I contacted Experian ( as per their website instructions ) and I was told due to an internal error they were unable to reset my password and I could not access my report. They then suggested I call XXXX to see if they could help. I advised them their internal computer error was not my issue and that I needed a copy of the report. They refused to assist me. I spoke with a supervisor named " XXXX '' in the Texas office - ID XXXX who refused to transfer me to a manager and told me she had no information on any regulatory agency governing the bureau. I would like to be sent a copy of my credit report so that I may dispute an item that has been reported to me through a 3rd party ( XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On a cold XX/XX/XXXX, the most dreaded thing that could happen when it comes to heating happened, the furnace malfunctioned, failed, and set off the carbon monoxide detector. Being right after the holiday funds were low and I contacted many different companies for help. The only company open was XXXX XXXX XXXX ( local ) and the well known XXXX XXXX. XXXX XXXX actually outsourced their work to XXXX XXXX XXXX as they have no actual furnace repair team that works at XXXX XXXX. I know this now but this is where the confusion began. I had been paying about {$100.00} a month since then however recently something went wrong and it has taken me months to unravel. When I purchased the furnace from XXXX XXXX XXXX they opened a credit line separate from my already established XXXX XXXX credit line. I know this now nearly 2.5 years later. That credit line did not say XXXX XXXX  XXXX but XXXX XXXX XXXX which made me think that is was just a major HVAC purchase under my XXXX XXXX account. When the balance increased I knew something was n't right and I realize this has nothing to do with XXXX XXXX  or XXXX XXXX XXXX for that matter but a credit line with Synchrony Bank that was used to pay XXXX XXXX XXXX. Initially when I realized this was a completely different credit line I immediately reached out to a law office thinking someone opened a credit line in my name, with investigation I unraveled the truth. In the meantime I have been slammed with over {$900.00} in deferred interest and late charges. Some suggested that even that in itself seems predatory but I am writing as a thankful customer, appreciative because without this I could very well be homeless or worse so I thank you Synchrony Bank but please consider waiving the deferred interest and fees and I will pay this off as soon as possible.

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 monetary relief
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: TN
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:
Several fraudulent accounts appear on my credit report and I have no knowledge of these accounts. I have tried several procedures to have these accounts deleted from my credit report because I didn't know the proper steps to take these fraudulent accounts off my credit report so the information just remained on my credit report. I have contacted these companies directly about these complaints. They did nothing. I even considered paying collections off through collections agency departments in hopes that specific accounts would be deleted. These negative accounts should be deleted immediately from my XXXX  credit report. 

Negative Accounts : 1. XXXX XXXX XXXX / XXXX XXXX XXXX - {$2100.00} on XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX - {$180.00} on XX/XX/XXXX, 3. XXXX  / XXXX XXXX - {$1300.00} on XX/XX/XXXXXXXX, XXXX, 4. XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX{$1000.00} on XX/XX/XXXX 5. XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX{$560.00} on XX/XX/XXXX, 6. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX{$1100.00} on XX/XX/XXXX, 7. XXXX XXXX / XXXX XXXX XXXX XXXX. {$800.00} on XX/XX/XXXX, 8. XXXXXX/XX/XXXXXXXX {$330.00} on XX/XX/XXXX It is also a host of fraudulent hard inquiries as well listed below : 1. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 3. XX/XX/XXXX- Inquiry date : XX/XX/XXXX, 4. XXXX XXXX XXXXXX/XX/XXXXXXXX - XXXX date : XX/XX/XXXX, 5. XXXX XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX, 6. XX/XX/XXXXXXXX XX/XX/XXXX- Inquiry date : XX/XX/XXXX, 7. XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX - Inquiry date : XX/XX/XXXX, 8. XXXX Inquiry date : XX/XX/XXXX, 9. XXXXXX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 10. XXXX Inquiry date : XX/XX/XXXX 11. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX These accounts should be deleted immediately from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, 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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX  - Balance {$0.00} -Date Opened XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
on XX/XX/2022 i summited dispute with all the credit reporting agencies in regards to 3 open accounts on my credit report these accounts don't belong to me and is showing on my credit report. i have sent them information about my account with a ftc report stating that these accounts should be removed. they fail to investigate and remove these account. i have called to try to get this issues resolved but i was hung up on by three different rep and 1 supervisor this is not right I'm a single  mother trying to get a place to stay for me and my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax continues to report an erroneous address on my credit file. The address was removed and ADDED again as of XX/XX/2021. The address listed ends in XXXX XXXX XXXX I have never lived at this address! I have never been associated with this address! I have clearly mentioned in EVERY dispute I have sent this company that I only have ONE address and that this erroneous address DOES NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent Experian a dispute on XXXX/XXXX/2016, XXXX/XXXX/2016, and again on XXXX/XXXX/2016. It is now XXXX/XXXX/2016 and I have not heard back from them. According to the FCRA, Experian has 30 days to investigate the dispute and send me the results, if they do not get back to me they are supposed to delete the disputed accounts. I understanding going a few days over but, it 's been over 3 months and I have not heard anything back from Experian. Please contact Experian and have them delete the disputed accounts off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was fraud covered byREG E on my account Citi bank then refunded me my money and instantly blocked my account and closed it, no one from their team has helped me get access to these funds. All they say is 30-60 days I will receive a check. Citi bank allowed this fraud to happen on my account and they closed my account for their mistake. And now they are refusing to allow me to withdraw my funds or wire my funds to another account. They are violating REG E and have completely stolen my money with zero explanation.

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 2022-08-03
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Recently while traveling, I noticed someone filed a tax return in my name and kept my refund. I never received my refund for XXXX nor was I able to amend it. They then used my account information to try to pay an account through XXXX XXXX that was not my account with XXXX XXXX. The bank placed a hold on my account while I was using a XXXX truck so that I incurred a {$1200.00} bill with the XXXX XXXX company while my account was placed on hold. The incident happened through Bank of the West in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: BARCLAYS BANK DELAWARE
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:
Barclays Bank is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

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 2017-10-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Loan amount taken out was {$22000.00} in XXXX. Balance still owed is {$22000.00}. Been paying every month for years at 5.5 % interest rate. Payment is {$130.00} a month now and {$99.00} is applied to interest and fees assessed. It has been 11 years without anything coming off the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. 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 2021-08-25
Company: American Credit Acceptance, LLC
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:
American Credit Acceptance is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
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:
violation of hippa and cra inaccurate 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 2022-08-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
It has been brought to my attention that XXXX XXXX XXXXXXXX has listed Suspected Fraudulent Activity on my ChexSystems file, dated XX/XX/2019. To my knowledge, I have never had Suspected Fraudulent Activity with XXXX XXXX XXXXXXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from XXXX XXXX XXXX including copies of any documentation associated with this activity which bear my signature. 
In the absence of such documentation, I request that this be permanently removed from my ChexSystems report. 

For your records, my contact information is as follows : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX, Texas 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 2021-08-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: TRANSWORLD SYSTEMS INC
State: ME
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems Inc. XXXX XXXX XXXX XXXX , DE XXXX is trying to collect on a college loan that was hardship discharged after the death of my husband in XX/XX/XXXX. I 've had no further correspondence regarding this loan until this past year when now they said I am delinquent and trying to attach to my wages. They have already taken my tax returns. They do n't call, they do n't answer calls, they do not send any paperwork. They never contacted me regarding any payroll withholding so they are doing this without my permission and I 've ready received a release from withholding from them when they tried to do this in XX/XX/XXXX and my payroll department contacted me. They are trying again in XX/XX/XXXX and I 've sent paper work to them twice that they have released me from withholding already but my employer says the will have to withhold if Transworld does not contact them to straighten this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 checking my credit report, you post incorrect information. The accounts never belong to me and Every bureau has different information which is also wrong. Im sure that someone hacked my personal 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 non-monetary relief
Consumer complaint received 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX BANK Acct # : 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