BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: NPAS, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made countless attempts to rectify this situation with XXXX XXXX / XXXX since firsts being notified of the reported balance in XXXX of XXXX. I have contacted XXXX XXXX XXXX billing department, the office location for speech therapy, medical records, XXXX XXXX XXXX XXXX, as well as XXXX XXXX XXXX XXXX, XXXX of XXXX of XXXX explaining to them that the billed procedures never occurred. 

Following my letter to XXXX XXXX, the previous debt collection agency being used showed a balance of {$0.00} and nothing due. At this time it was my assumption that they had finally had someone look at the case and were able to determine that what XXXX XXXX was claiming had occurred were in fact a fraudulent claim and billing. 

Although requested from XXXX XXXX of XXXX, I was never able to obtain the medical record directly from them. Instead, I was forced to go through my primary care provider and have them request the records. 

Once I received the records, they proved out what I Contended all along. There is no record of the procedures they claim to have performed in the records. The only thing they now claim demonstrates the debt they claim I owe is the EOB that they received from XXXX XXXX and XXXX XXXX. XXXX XXXX of XXXX has essentially committed medical billing fraud for submitting a claim against my medical insurance and the insurance not knowing any better responds in turn with an EOB. 

Again, I maintain I do not owe this bill as the procedures claimed did not occur. Following the complete failure to deliver care for my voice loss, I went to a speech therapist outside of XXXX XXXX 's control. In turn, I was referred to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. They were able to treat and partially correct the issue that XXXX XXXX could not even correctly schedule over a period of 18 months. 

Effectively, XXXX XXXX inaction and failures led to me losing two years of income because of my inability to effectively speak. At this point, I am also submitting a complaint to the Texas Attorney General and XXXX XXXX for XXXX XXXX 's blatant insurance fraud. 

Their inability to respond to inquiries, schedule and perform procedures, and simply share files within their own system has only assured me that I will never use any XXXX related facility again. I can not tell you how many times I was assured by XXXX XXXX XXXX personnel that they would get back to me in about 30 days. Their overuse of the XXXX pandemic as a reason for the delayed response lost all creditability after the first failed attempt to respond to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX - Late closed XXXX XXXX XXXX - Charge-off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: IN
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly correct the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
After reviewing my credit, I noticed accounts that are unverified and accounts that do not belong to me. These accounts MUST be removed immediately if you ( the credit bureaus ) do not provide proof that these accounts were opened by me. I want a copy of the documents you used to verify the validity of these accounts. If you do not provide this information in the next seven days ( 7 ). YOU MUST IMMEDIATELY REMOVE THESE ACCOUNTS. 

Collections XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Ser XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX Inquiries -Rise, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Web Bank/onemain/ Equifax, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXK XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALL NEGATIVE CLOSED ACCOUNTS ARE IN VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: LA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Updated and new information in relation to CFPB Complaint XXXX response letter attached to this complaint. My initial complaint also stated that Credit Acceptance is in Violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
In response the my privacy rights being violated Credit Acceptance has not sent me an annual privacy notice disclosure for XXXX, XXXX, and XXXX this violates XXXX XXXX : I would like to ask when I am supposed to receive my privacy disclosures as a customer/consumer? I would ask that if you are in violation not to ignore my request and just answer to what you can slide around without answering please give me the information I am asking for? 
Delivering Privacy Notices You must deliver your privacy notices to each consumer or customer in writing, or, if the consumer or customer agrees, electronically. Your written notices may be delivered by mail or by hand. For individuals who conduct transactions with you electronically, you may post your privacy notice on your website and require them to acknowledge receiving the notice as a necessary part of obtaining a particular product or service. For annual notices, you may reasonably expect that your customers have received your notice if they use your website to access your financial products or services and agree to receive notices at your website, and you post your notice continuously in a clear and conspicuous manner on your website. - I have never been asked for permission to receive my privacy notice electronically nor have I ever agreed to received privacy disclosures electronically from Credit Acceptance thus Credit Acceptance is in violation of not sending me privacy notices for XXXX, and XXXX under the Gramm-Leach-Bliley Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some 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. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: TX
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-03-07
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX Repossession XXXX XXXXXXXX - Charge-off XXXX XXXXXXXX Charge-off XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX****- Charge-off XXXX XXXX  XXXX Charge-off XXXX XXXX XXXX Charge-off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Movement Mortgage LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
When I applied for my first time homebuyer program I was shopping around. Movement Mortgage told me they would like to try to match the rate I was being offered by XXXX XXXX. The rate was XXXX XXXX. Movement advised that if I paid roughly {$600.00} I could get the 6.5 %. I agreed to pay that. My initial XXXX XXXX showed XXXX XXXX ; however, I noticed the rate wasnt locked. I called my mortgage rep and was told that Movement was watching the rates as they expected them to drop but that I would absolutely get the XXXX XXXX A week later I had not heard anything and again advised that I wanted the rate locked to ensure it would not rise above the XXXX XXXX. I was again told not to worry as I would be getting that rate. On XX/XX/XXXX I received a call from my mortgage rep stating that the rates had gone up and my rate would now be XXXX XXXX and that she needed to lock me in immediately. I was very upset. I reminded her I was promised that I would get the XXXX  and twice asked that my rate be locked and was told not to worry. I again asked why my rate wasnt locked when I had twice previously requested it. She said Movement was watching the rates so they wouldnt have as much of a cost. She apologized and said that if I wanted to pay {$3400.00} then Movement could get my rate back down to 6.5 %. I was within XXXX weeks of my closing, which occurred on XX/XX/XXXX. I had no way to negotiate or fight with them over this because it would have delayed my closing and I wouldve lost the house and my XXXX money deposit of {$3000.00} because there was already a signed Purchase and Sale. The rate lock was also set to expire and it couldve went even higher than the XXXX XXXX I was completely pressured to lock in at the higher rate. They waived the fee to be at the rate that I closed at but it was not the rate I was repeatedly promised and that was initially disclosed. I feel this was a complete bait and switch and completely abusive and deceptive. I repeatedly asked for my rate to be locked. They skirted around it every time telling me they were watching rates but that I would absolutely get the XXXX XXXX. When I received the call on XX/XX/XXXX the mortgage rep also told me she had to call several other clients about the same issue so Im sure others had unexpected rate hikes. This company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I responded to an online offer on the XXXX XXXX website ( XXXX ) for a new CitiBank AAdvantage card Platium Select with " XXXX bonus miles with {$3500.00} spent in the first 4 months. '' I achieved the {$3500.00} spent on XX/XX/XXXX. I was put in the " XXXX bonus miles with {$2500.00} spent in first 3 months. I contacted XXXX XXXX, customer service supervisor of XXXX XXXX and she identified this error and said that Citi Bank would need to correct it. After speaking with XXXX on the Citi customer service line XXXX XXXX, XXXX, he agreed that I was placed in the incorrect plan. He gave me an email address to send the timestamped screenshot I have of the offer I responded to. I did this. I also spoke with XXXX, CitiBank supervisor on XXXX XXXX and she gave me an additonal email address to send a jpg of the screenshot etc. ( XXXX ). I did so. Today XX/XX/XXXX I received a USPS letter ( in response to my XX/XX/XXXX email to them ) stating I was ineligible for the offer because I was sent an account opening email with the offer restated. I have 3 emails from them NONE restate the offer! 

I have since learned that this has been going on with CitiBank XXXX XXXX Advantage card since at least XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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