BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: National Credit Systems,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: Reporting company used your report improperly

Complaint:
Back in the XXXX I went into XXXX XXXX and inquire about and 1 bedroom apartment. At the time there was a application fee and a processing fee. The agent XXXX was helping my daughter and me ; On this day it was storming so we wasn't able to see the apt . I went online and started the application process, and when back into the office to request to see the apartment. Once I view the apartment I advise XXXX that I did not like the apartment and would not be moving forward. XXXX ask if I did the application and I responded yes. In the beginning she advise that in order to get started I needed to bring and application fee, which I never gave and once approve I needed and deposited, which was never give. After that I started getting email about and apt , I called the office and ask why my credit was ran XXXX advise her manager did it. I called for month requesting to talk with the manager and even stop by. never get to talk with the manager. I found out about the report and the manager agreed that I never applied. I ask for this to be remove from my report and it is still on my report. I left a copy of the collection bill and never heard anything back. disputed this with the credit people and was told it was accurate. they cant show me any paperwork, processing check or deposit that I made. XXXX was left go, seems to me she was doing fraud to boost her numbers. However I don't owe this company {$150.00} and would like for it to be remove from my credit report..I also reached out to the collection company and was never send proof of this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below SHELLPOINT MORTGAGE 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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/2022 but XXXX and TransUnion are reporting I paid on time. 
XXXX Account Number : XXXX 2. These late payments need to be removed because you are reporting me being 30 days late in XX/XX/2022 but XXXX and TransUnion are reporting I paid on time. 
XXXX Account Number : XXXX 3. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account Number : XXXX 4. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer 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 non-monetary relief
Consumer complaint received 2021-02-03
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened an account with Commenity Bank or A.K.A. XXXX XXXX  around XX/XX/XXXX, In XX/XX/XXXX I was traveling throughout XXXX at the time and unfortunately I had lost my debit card on 2 separate occasions the first time in XXXX XXXX when I notified the bank of any transactions that were not mine. After 10 days the applied a provisional credit and then the second time unfortunately in XXXX, I had lost my card and at the time I had my phone stolen. I had been using my digital card a lot because I was traveling and I was trying to prevent any type of identity theft which is common in the areas I was traveling through.. I was contacted by XXXX because there was a numerous suspicious charges on my account. So I closed the card filed a dispute and in 10 days I received a provisional credit. Well in the end if XX/XX/XXXX I was notified they denied all my disputes and would be taking back all provisional credits they had provided me in the past. 4 times I contacted a XXXX XXXX  to ask why they had changed there decision and they promised to send documentation as to why they were denied. Nothing has been received still as of XX/XX/XXXX, I asked if I could appeal this decision to all my disputes and I was told no that all decisions were final. They took back in total about {$1300.00}. Since then they closed my account I can not access statements and I am told that any funds left will be mailed to me but will not provided any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone use my bank account and sent out {$5000.00} by zelle XXXX through about XXXX transactions. But i was in sleep at that time. XXXX declined my claim and they said it was approved by face ID. So i guess it might be someone hacked my phone or pc If What XXXX said is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: TX
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:
Someone has taken compete control of my identity which has been very overwhelming.I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report.I have not applied to any of the companies that is on this report .and not sure who has my information or how they got it.I have been calling the credit bureaus explaining this but as of today they have not been and help.Please help me take my life back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: SLM CORPORATION
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am a XXXX XXXX XXXX XXXX, and I have been asking for help to discharge this account since 2016. I was trying to keep up with payments on the account, until I figured out the proper way to discharge it, but I just fell behind in the account. After taking a deeper dive, I realized due to 20 U.S. Code 1232g, this account should've never existed or shown up on my credit report ... as, No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. 
What makes matters worse is they have slandered me to the credit bureaus and they did not have my written permission in order to do so ( 15 U.S. Code 1681b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2022-02-10
Company: Receivables Management Partners, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was seen in the Emergency Room at XXXX in XXXX Ohio ( XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) on XX/XX/XXXX due to testing positive for XXXX and having severe XXXX XXXX XXXX. When I was triaged I was specifically asked if I was there for XXXX and I told them yes. I was not informed or aware of the XXXX for the Uninsured program. Accordingly, I applied for financial assistance and XXXX never contacted me regarding my application for financial assistance. After a time, I assumed it was taken care of. 
I received a collection letter from XXXX XXXX for {$890.00}. The physician I saw while in the Emergency Department was XXXX XXXX MD who is part of XXXX XXXX XXXX XXXX which is the company that sent my account to collections. 
I received a collection letter from XXXX XXXX XXXX for {$240.00} which now has my account from XXXX XXXX XXXX XXXX. 
I received another collection letter from RMP Services LLC for {$2700.00} which now has my account from XXXX. 
After receiving these bills and doing research I found out that XXXX in XXXX, Ohio participates in the XXXX for the Uninsured program. On XX/XX/XXXX I left a voicemail with XXXX, who is in the billing department at XXXX. She returned my call on XX/XX/XXXX and stated that she looked through my records and it clearly indicated that I was there due to XXXX. XXXX stated that she would send the records back to the providers to get the correct billing code and advised me to call all collection agencies and tell them to put my account on hold until this is resolved. I have left voicemails for each collection agency above asking for my account to be put on hold and I am currently waiting on a call back. This has taken so much of my time and effort and if it were not for my tenacity I would be in an unsurmountable amount of debt, which no American should be subjected to due to XXXX 's incompetence. 

I was not educated at all on what resources I had available to me other than financial assistance. According to XXXX XXXX has only been paid {$170.00} for treatment of XXXX through the XXXX for the Uninsured program compared to their counterparts who have received over {$200000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company keeps calling and leaving silent voicemails. They are mean and rude and won't stop when told to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX   partial account numbers XXXX and ( 90 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 began disputing wrong information reporting on my Transunion report last summer. I never received any correspondence that the debt belonged to me. I requested an investigation XX/XX/XXXX.I received nothing in response, the debt was still reporting on my credit report. 

I requested verifiable proof that the debt belonged to me twice ( XXXX. & XX/XX/XXXX ). I received no information regarding the debt. On XX/XX/XXXX I reached out to XXXX XXXX XXXX  via " priority mail '' with the information that was reporting on my credit report. A few days later ( XX/XX/XXXX ), the envelope returned to my address " RETURN TO SENDER ''. 

Today, I reached out to Transunion because it was still reporting.I was asked for verifiable personal information, which I provided. My last four is XXXX. My file number is XXXX. My address is listed in the attached correspondence. I was asked did I want to dispute the information. I said yes, but I went back to my personal records to see if this was previously brought to their attention. It was and nothing is being done to properly resolve. 

I find it hard to believe that this information is still negatively impacting my report and can NOT be properly verified. I request assistance with prompt deletion. 

Thank you for your time and assistance

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 2023-07-31
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE ; LOAN # XXXX - SHELLPOINT please help with shellpoint mortgage, it is now over 90 days that shellpoint keeps adding home insurance to my monthly mortgage payment causing to show in default. 
Shellpoint know my home insurance gets paid thru my home owners association yearly and a copy was provided to them. 

Now shellpoint refuses to remove the insurance that was placed without my authorization and placing my mortgage payment back to the original payment after i provided the supporting documentation to show i have valid. 

Please help me since shellpoint keeps playing games every single year addding insurance to my payment and causing to show behind when i have made all my mortgage payments on time. 

this is really getting out of control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Yesterday and for XXXX XXXX XXXX I have been working hard to manage my accounts for better scores to purchase house and car. Yesterday score was XXXX all info same today lowered score XXXX points nothing was changed I paid as I was supposed to someones tampering with this account.

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 2022-02-23
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Nationwide Recovery Systems, Ltd
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2013 I went into XXXX XXXX XXXX hospital after receiving a XXXX XXXX XXXX XXXX. I went in and received approx XXXX  XXXX. I went to the counter to finish everything up and was asked for insurance. 

I had no insurance at the time and said I was paying out of pocket. The lady asked if I was a XXXX  and I said yes. She said XXXX  get a discount and I said ok cool. The total was {$420.00} and I paid it with my XXXX XXXX. I have the XXXX  transaction to prove that is what I was charged. 

Months later I received a collection totalling {$1200.00} from a collection agency. The hospital never sent me notifications. Why would a hospital do this? Is this common practice or a mistake? The point is that I paid for services on the date of the transaction yet received a collection for services never performed. 

This has been a nightmare and is not fair. Now Nation Wide Recovery Systems is after me for XXXX dollars and nobody seems to listen. Hopefully you guys can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Outsource Services, Inc. d/b/a National Acceptance Company
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2023, I signed up for a 16-week challenge at XXXX XXXX XXXX XXXX The third party company is National Acceptance Company in XXXX, Pennsylvania. The representative told us that when we completed the challenge, we would have 5 days to send in a certified letter to cancel the contract. If we did not, we would have to pay for a year and not be allowed to cancel the contract. I completed all of the steps along with having the form initialed by myself and sent by certified mail on XX/XX/XXXX. They decided in XXXX that they would not accept the form nor cancel the contract because I did not initial the form. I called them to ask if I could send the form with the initials and I was told the only way was to have a medical issue which I did acquire by doing the exercises. I was told by XXXX that I would have to see a physician and I did. This cost me {$270.00}. They have said that I now owe them an additional {$170.00} for XXXX and XXXX. I sent them all they asked for and do not owe them any additional money. They have written a letter threatening to send to collection agency and charge additional funds. This happen in XXXX, Ohio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XX/XX/2022 I called Navy Federal Credit Union to be informed that my credit card was cancelled despite my honoring the payment arrangement. They closed it without notifying me in any capacity. Further, upon realizing error the woman I spoke to on the phone was nothing less than vicious in her demeanor and refused to provide any assistance. When I asked her to refer to the previous calls to verify the payment arrangements she chuckled and said oh no I aint got access to that, thats only some other people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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