BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was scheduled for XXXX  XXXX on Wednesday, XX/XX/XXXX. I did research on finding XXXX XXXX and came across XXXX  XXXX XXXX. This facility marketed itself as having 24/7 around the clock nurse care. I booked my stay for 7 days and had to pay in full at the time of booking. I checked in on XX/XX/XXXX and began to notice problems right away. 

During this time, I received little to no help or care, post XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The staff tried measures such as giving me a liquid IV to keep me from going to the hospital. On XX/XX/XXXX, I finally convinced the unlicensed staff that I needed to go to the XXXX. I presented at the hospital with XXXX  XXXX XXXX and XXXX  XXXX. I was immediately admitted and treated with multiple XXXX XXXX 

During my time in the house, we had little care, they were low on food and cleaning supplies such as detergent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were told to duck and hide from neighbors as they were noisy and called the police on them before, due to suspicious activity.The house manager XXXX XXXX claimed to be a nurse, however, I can't find a nursing license under his name. This facility was not safe and I felt like I would die due to the lack of knowledge and care that they were providing. I was due to check out on XX/XX/XXXX. I was admitting into the hospital on XXXX. Upon release from the hospital, I changed my flight and immediately flew back to Texas. I paid for 7 days of care and I only received 3 days of care. I reached out the the owner via text and she advised that she would refund the money, but it never came. 

I filed complaints with my banking institution Navy Federal for 1. the XXXX XXXX and 2. XXXX XXXX XXXX. The bank refunded my money for the 3 XXXX I did not receive, however, they refuse to issue a refund for my stay which I was not present to receive services. Their reason is that I received some services. I have provided documents that I only stayed 3 days and they still will not refund my 4 days of stay they I was not at the property and did not receive service. 

Since filing this claim, the local news has investigated XXXX XXXX XXXX XXXX and she has shut down and erase anything related to XXXX XXXX XXXX XXXX. It was proven that it was illegal and did not have proper care and unsafe. The website and all social medias related to the recovery house are gone. Based on her personal XXXX @ XXXX she is now on to her next scam " XXXX XXXX  '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: KY
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 consumer reporting agencies stated that they properly investigated my account with XXXX XXXX XXXX XXXX and XXXX XXXX but how is that possible if the amount on XX/XX/2022 is reporting inaccurate information. I have tried to fix it with furnisher and consumer reporting agencies but it has only stressed me out more. They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion 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 explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 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.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
I want to report some fraudulent inquiries that are on my Experian credit report and I want them to be deleted as soon as possible. Here are the fraudulent inquiries : 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 explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/23 I wrote a dispute to the 3 major credit bureaus XXXX, Equifax, and XXXX. The account that this complaint is about is XXXX  XXXX XXXX ( Account ending in XXXX ). I asked the credit bureaus to investigate because the balance should be XXXX. It is a charged off account which has been sold to debt collectors, I say debt collectors because I have received 2 notices from two seperate companies telling me that I owed a debt, with the original creditor being XXXX  XXXX XXXX. Now I am getting a response to my dispute from XXXX  XXXX XXXX as well, on two occasions. One on XX/XX/XXXX and onXXXX on XX/XX/XXXX. Both state I owe a blance of {$470.00}. So now XXXX  XXXX XXXX is illegally charging me a balance after selling my debt to not one, but two debt collecton agencies, which are also contacting me to pay this debt. I want this inaccurate account removed from my credit report and updated the balance to XXXX immediately. This is highly suspicious activity and honestly I would not mind getting a lawyer at this point because XXXX  XXXX XXXX is supposed to be a reputable company but now it turns out they are looking to collect a debt from ME as well as sell my debt to TWO debt collectors to get even more money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: SYNCHRONY FINANCIAL
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CareCredit never reached out to me until I found out it was in collections/charged off and I tried to get in touch with them. I couldn't provide any account information as i never had a physical card, unless there may have been one in app and I wouldn't have had access to that any longer. I paid in app and it was considered paid and I hadn't heard anything saying otherwise. No emails, letters in the mail, or attempts to reach me regarding this so called debt that was already paid in full and certainly not late. First and foremost this account from several years ago was already paid in full via the app within 2 months of receiving the dental work. I don't know where CareCredit gets off saying their information is valid. It's not. And also CareCredit not informing me of this " debt '' before marking it negative, is completely on them. I have reported the fraud to the bureaus, and I have my legal team ready to fight. Also I received very threatening calls on behalf of the company to get the funds. That is a violation of FDCPA. And I believe there are several other issues that this company went against the rules. This debt was supposedly already paid for by another party, and closed so not only did they charge me, and I paid but my credit score and reports have suffered tremendously because of this debt that is less than XXXX CareCredit will be hearing from my lawyers. They also removed this and re-added it to my credit report several times which I believe is illegal, despite being paid off by me then supposedly also some other company paid it 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 explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NY
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:
Open XX/XX/XXXX bank : # XXXX XX/XX/XX/XX/XXXXcharge off. fraudulent misrepresentation. deceptive omissions of material facts.in violation of15 usc 6809 prohibits, a financial institution from reporting non-public personal information to a non-affiliate third-party, unless the financial institution has given the consumer opt out and privacy notice, providing the opportunity to opt out.15 usc 6802 opt out notice is a requirement.section 5 ( a ) of the FTC act 15USC 45 ( a ) prohibits, unfair, or deceptive acts, or practice in or affect in commerce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX. Balance : {$5600.00} XXXXXXXX XXXX XXXXXXXX .... Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .... Balance : {$6400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2023-11-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called the collections agency which is named national credit systems my name is spelled incorrectly according to the landlord. My name should be written as XXXX XXXX XXXX on my paper work. I've also requested paper work from the collections agency and never recived it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX All of the listed accounts has violated my rights. 

Please also be advised that some of these accounts are listed under my former name XXXX XXXX XXXX and my new legal name is XXXX XXXX. 

They violated the following : 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 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 2023-10-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NJ
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:
I am doing my best to exercise my right as a consumer to not have my nonpublic information being reported on my consumer report pursuant to the Fair Credit Reporting Act, I have given this agency written instructions to cease the reporting of accounts stated in the attached dispute letter and they have denied my request which violates the FCRA. My financial information is nonpublic information and I have a right to privacy as well as to opt out of the reporting as required by law. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a to report those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
- My insurance agent sent declaration for renewal of flood before XXXXXXXX XXXX XXXX to Newrez Mortgage - My wife and I sent Newrez Mortgage a copy of same declaration before XXXX XXXX XXXX 
- Escrow balance exceeds $ XXXX, the policy renewal was {$3000.00} - We have never ever been late one day on any payment. 
- Our flood insurance, through XXXX XXXX XXXX XXXX expired on XX/XX/2023, they have not received payment as of today, XX/XX/2023, flood insurance has lapsed. 
- We received a letter from Newrez dated XX/XX/2023, stating that we were late paying our flood insurance. 
- That same letter from Newrez dated XX/XX/2023 threatened Force-placed insurance. 
- Again, Newrez collects escrow, we have never been late on any payment, there was more than ample funds in escrow to pay this policy on a timely basis which was not done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: GA
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:
I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to return my investigation. I am distressed that the credit bureaus have included inaccurate information on my credit profile and that They have been unable to maintain reasonable procedures in their operations to ensure the maximum possible accuracy in the credit reports they publish. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately 15 U.S.Code 1681i if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ DATA INTERNATIONAL is reporting that I owe ( Original Balance {$8900.00} ) vs ( New balance {$11000.00} ) to XXXX XXXX XXXX and this apartment home was leased to my mother and I was a tenant still in High School. I have requested that both XXXX XXXX XXXX  and IQ DATA INTERNATIONAL provide the original signed application to validate this debt on XX/XX/2023, XX/XX/2023 and XX/XX/2023 without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX rejecting this response because : clearly my FCRA rights has been violated and compromised. Ive clearly outlined each violation this need to be deleted immediately. This was deleted and now added back on my XXXX XXXX consumer report again as of XX/XX/23 I want this deleted again permanently this has been deleted from XXXX and XXXX XXXX and Ive sent proof of this as well so this need to be deleted from XXXX and Experian as well. 
How is it XXXX consumer reporting agency follow FCRA and the other does not??

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 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX Balance : {$9000.00}

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 2023-10-13
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
To hum this may concern. I XXXX XXXX did not open this credit card account from That was open XX/XX/XXXX. MCM is trying to collect on it. Someone was making payment on the card. till XXXX. It was charged off in XXXX. I have never heard about this card until Now. McM phone number XXXX. When you get this handled, please call or email me at XXXX or XXXX Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: IL
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 act XXXX Account XXXX 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

This is not a complaint of verification of 30 days late, but to inform you have broken the laws listed above. I will file legal action if not rectified immediately. I will also be looking for compensation upwards of {$1000.00} per violation as stated in the law.

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 2023-10-05
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation