BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: RAS LaVrar, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
RAS LAVRAR is attempting to collect a debt from me that I have no recollection of. RAS LAVRAR has stepped outside the boundaries FDPA. I have received a lot of harassment calls and even a representative came to my home or residences with harassments that are in violation of the FDPA. I never established a contract with this company and I don't owe the alleged debt.I will be reporting this practice to the State Attorney General office of Ga and the FTC about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Credit Karma, LLC
State: IL
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:
I just saw the news that Credit Karma will be paying {$3.00} XXXX to users target with false preapproved offers. The article cited the time period as " at least between XX/XX/XXXX and XX/XX/XXXX. '' I wanted to report that I had this issue in early XXXX, probably around XXXX. I had just moved, and just had an expensive emergency room visit. They were advertising that I was pre-approved for a credit card as part of a debt consolidation strategy, where you could transfer your balance to that card and pay it off with a much lower interest rate. I applied for the card and was declined. I was just getting on my feet in a new city and having a hit to my credit was incredibly challenging at that time in my life. I was very frustrated and upset that I was told I was preapproved and then was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Navy Federal Credit Union ( NFCU ) allowed one of their customers to fraudulent deposit 3 checks that were returned to me as overpayment. The checks went to an old address and I had no knowledge of it. Once I was given copies of the checks by the State of Georgia I reached out to the NFCU to make a fraud complaint. They found out who deposited the check, they wouldn't tell me who, but refused to give me my money back. They told me to go back to the check issuer and even to go back to the bank that issued the check. Why not go to your criminal customer and get my money back? They told me they have flagged the account and nothing else. 

I posted a review on XXXX and they, of course, troll those sites. They told me to reach out on social media and again nothing. They stated that I should contact the issuer of the check. It's a shame that the media can get done what a simple everyday customer can't. Businesses should not worry about their reputation only when it's negative in the media. If they worried about the complaint when it came in then it usually wouldn't get to the media. 

I have filed a police report but of course this is a low priority on their totem pole. NFCU should just do the right thing and return fraudulent gained money. 
I don't have an account with them but my wife does. This transaction has nothing to do with her account. The criminal just happened to bank at the same institution she does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : 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 explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have attached a police report for you to view. The accounts attached are NOT my accounts. Somehow someone keeps accessing my information! I am sick of it. No one of these companies have my personal information, nor do they have a signature on file. I am unsure how the predators keep getting my personal information. Please remove them immediately. 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 2018-02-06
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Care Credit / XXXX XXXX have reported false information on my report. I paid this account off in full and was never late. They reported inaccurate high balances, as well as saying I was late. Even though I was never late the entire time I had the account open. As soon as I discovered what was happening I paid the account in full and will not do business with them ever again. They are still reporting a high balance and I paid it in full.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX 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 explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Around XX/XX/2018, I applied for a XXXX XXXX XXXX Credit card at the XXXX XXXX XXXX 's location. The card was approved. 

About a week later I received a letter from XXXX 's communicating congratulations for opening a XXXX XXXX XXXX XXXX. ( See attached letter ). 

However, I was stunned to learn that XXXX 's also applied for me to get a XXXX XXXX XXXX XXXX XXXX without my approval. 

This practice should not be permitted and I believe it's is not legal. As a result, my credit is damaged for being declined for a credit card I did not apply for.

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 2021-07-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A card was opened in my name without my consent or authorization. It is a PayPal branded debit/ MasterCard .

I received the card in the mail. I called the credit card company to close the account and report the fraud. The credit card company refused to close the 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 2022-09-04
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:
A dispute regarding the amount of a charged off XXXX account was presented in late XXXX XXXX Credit score was XXXX at the time. After XXXX responded and confirmed account details. TransUnion and XXXX score dropped to XXXX. The following week, XXXX updated credit report with company response as the reporting date for delinquent account and the score dropped to XXXX. This account was opened back in XXXX and charged off in XXXX or XXXX. There is no reason why the new reporting date should be XX/XX/XXXX. There is no new information on the account that has changed. A dispute response date from company should not be utilized as date of delinquency which they have factored in to determine my new score. The age of the account along with the status of account and all delinquent payments remains exactly the same after dispute was concluded.

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 2021-02-08
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX XXXX in XXXX with XXXX XXXX XXXX at XXXX, XXXX and XXXX  Specialists of Florida. I went to the follow up appointment and specifically said I did not want any procedure done because I did not want a $ XXXX bill to come to me for simply looking up my nose when I knew I was healing good. My grandmother, XXXX XXXX, was right next to me and a witness to this. They said okay, no problem. I get called to the back and I also informed his nurse or whoever it was that did my vitals and asked me some questions that I did not want an additional procedure done today. He also says okay, no problem. The doctor comes in, we talk and I leave. Before leaving my grandmother wrote a check for whatever else was owed. No procedure was done. I get a bill for almost {$500.00} later. Ive talked with the people in the office about this and they are so rude and disorganized it got absolutely no where. I also submitted through XXXX  that this get taken off which also got no where. 

During the process of me challenging the almost {$500.00} debt, an additional debt showed up from the same practice. This time almost {$700.00}. HOW?! It says the debt is from XX/XX/XXXX but I wasnt living in Florida during XXXX. The last time I saw this doctor was in XXXX. I have absolutely no idea where the second debt is even coming from. And its usual it appears for the first time ever while Im disputing another debt from them. 

I seem to not be the only one having issues with this practice. If you check the reviews to this place you will see that this seems to be a common thing they do to people which goes completely unchecked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: LEXISNEXIS
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, 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 and XXXX and 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 XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Over the course of the past few days I have attempted to retrieve my credit score using a number of different credit reporting applications and services, most notably : XXXX, XXXX, Credit Karma, and XXXX XXXX. After entering my information in all of these services ( name, address, SS #, phone number etc ... ) all of them have told me the same thing : " your information does not match what the credit bureau has on file ''. This is extremely alarming, as I have double and triple checked my information every time, even with my mother, and all of the information I have entered is entirely correct, leading me to believe that the credit bureaus file on me must have incorrect information. I need to rectify this, as the time has come for me to buy an apartment. Thank you for your time, I hope to have this worked out soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Hello! 

I am not happy with Transunion. I sent a letter to open an investigation back in XXXX of 2022. Transunion then sent a letter back with results that said " updated '' along with a credit report.This means that they started and completed the investigation. I know the information is reporting inaccurately and I also know my rights. So I followed up with a letter requesting their method of verification, asking them to properly state HOW they verified this information. 

They then responded with a letter stating that they didn't believe I was the individual to send in the letter. 

My question is, if Transunion didn't believe that I sent the letter, then why did they start the initial investigation? They believed it was me the first time so what changed? I know my rights. I have the right to request an investigation and ask HOW they came to verify the information. 

I have attached several documents for reference. 

I also have reason to believe that they are reporting this information innacuratly on my credit report which is also an issue. 

I demand to know how Transunion verified this information well enough to " update ''. If not, I demand that this information be deleted from my credit report. I have given them ample time.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: MA
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:
So i sent a letter off on XXXX XXXX. Here is my tracking numbers : XXXX : XXXX Experian : XXXX XXXX  : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

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