BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to XXXX I lost some work and my husband lost his job and we incurred a lot of credit card debt. I tried hard to keep my XXXX XXXX XXXX and pay my debts but it was overwhelming. I looked online for help and found XXXX XXXX XXXX. I signed up at the end of XXXX and they told me that I would submit my debts to them, stop paying them, and in 2 months they would make negotiations with my creditors. until then the money I paid them each month would go into a savings account to pay all my creditors. So after two months, I noticed my debts were not negotiated so I called them and they told me they were in negotiations with one creditor. I asked when the others ones would, and they said it takes 3-4 months not 2-3 months. They said the last person I talked to was wrong. So I waited another 3-4 months as I watched my debts not get paid and credit score drop. I called again, I was told it takes 5-6 months. So again, I waited, I get to month 6 and call again. This time I demanded to see a copy of the savings account where all my money was supposedly going. the one creditor they were paying they told me they only paid them XXXX a month and I was paying them XXXX a month. They sent me the statement, and it had a ton of fees taken out each month. I said, so you are telling me that you pay the XXXX and all the money I have sent, thousands of dollars now, has only went to pay your fees. there is no money left to pay my other creditors even if you get in a negotiation with them. for the first time they admitted to me that yes I guess there wouldn't be any money left or to do negotiations with the other creditors for two more years. I said, well I could have been paying them and you kept telling me not to and kept telling me to wait. I asked that they took notes of the call and make sure to state all that was said. I was scammed big time. I had made several calls to them throughout the process only to be told the same thing, they are working on negotiations. but they were not. I lost a ton of money, I lost my good credit, and I am now in a worse situation because I don't even have the credit to get a loan to help me pay off my debts. I have cards that I did not submit to them in good standing, and I am so happy I didn't. I can't believe this happened to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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:
I am not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports XXXX  XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX   XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 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 2023-10-11
Company: EQUIFAX, INC.
State: NJ
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion violated the FCRA numerous times. 
1. They failed to investigate my disputes despite me sending them proof of inaccuracies in my report.

2. They failed to provide a notice of dispute during my dispute period another FCRA violation.

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 2023-05-20
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX 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 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 2017-06-26
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XXXX XXXX, I received a letter about a debt stemming from a XXXX XXXX bill. The account was reported shortly after to the credit bureaus. When I called up to discuss a settlement offer, the rep told me that if I settled the debt it would be removed from my credit report. This seemed legit as this was noticed following a XXXX XXXX XXXX collect account. After debt was paid, company is unwilling to stop reporting as the rep indicated it would be the case. The rep used false promises to get me to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AR RESOURCES , INC . 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX To : The Office of Registered Agent for AR RESOURCES , INC . 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXXXXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.

If you lack understanding of this paperwork, forward to your ATTORNEY. 



By : XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple disputes with the credit bureaus for well over six months now and they continue to report inaccurate items on my report without my consent. I have asked them how did they verify these items and I am not getting any answers besides a letter stating 'the item is verified '. I have proof that the other bureaus have deleted the item so why are EQUIFAX, XXXX and XXXX continuing to reporting them.Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
Dear Sir or Madam, I am writing to dispute the following information in my file : This item XXXX, which is classified as an Individual Chapter XXXX Bankruptcy with an owed amount of {$0.00}, and listed in Dismissed/Closed status per XXXX This item XXXXXXXX XXXX XXXX XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed per XXXX, and This item XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, Room XXXX, XXXX, AL XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed, is inaccurate because I would not file for bankruptcy if I had absolutely no debts included in this bankruptcy. This means that I am liable for nothing. In addition, the dates that this item was supposedly filed are inaccurate. This item is listed on my Transunion report as being filed on XX/XX/2017, on my XXXX  report as being filed on XX/XX/2017, and on my XXXX report as being filed on XX/XX/2017. I am requesting that the item be removed because it is negatively impacting my credit score and giving false information to potential lenders. After sending a letter to all three bureaus, I was not given an answer to the investigation, instead I was sent a letter to verify my current address, which Ive already done, and a letter stating that the item has previously been disputed and they dont want to investigate it again.

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 2020-07-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Problems affecting following private loans through Navient ( formerly Sallie Mae ) with associated dates. 
XXXX Tuition Answer Private Loan XXXX ( 3 derogatory marks ) XXXX Stafford  - Subsidized FFELP Loan XXXX ( 3 deragatory remarks ) Issues also affecting Dept Ed loans listed in separate complaint. 
During the above mentioned dates, I entered repayment for my student loans serviced by Navient without proper written notification. I became aware of my delinquency while checking spam email and immediately contacted Navient in XXXX of XXXX. I was told via recorded line conversation that my billing notification had been switched to paperless billing and had been done via email exclusively. I had never authorized such action on any of my accounts. When I asked when and how the authorization to switch my accounts to paperless was performed, I was given no information and told it had been done automatically. At the time, I relied on paper bills ( and prefer them to this day ) to relay changes to billing statements. When I had reconnected with Navient after reinstating payments, I was unable to receive any requested information from my previous conversation ( who I had spoken to and the recorded file of the conversation ). When I had requested the derogatory marks be removed from my credit history, I was told there was no avenue through Navient which I could pursue to correct the marks. I have challenged the information with credit reporting agencies only to find that Navient had not provided any details regarding the incident. Navient has a history of documented poor customer service, which I have experienced as well. I have had difficulty getting information on programs to assist in loan repayment, ambiguity regarding deferment, and have asked about public service loan forgiveness ( XXXX  for 4 years at this time ) only to be told that my loan " does not qualify '' but no additional information on how to roll the loan into an eligible account. Luckily most of these customer service deficiencies have not necessarily affected my credit score, with the exception of the derogatory marks mentioned above. My credit report has 13 late payments in all my years of credit, including with Navient before/since this incident ( 1 legitimate late payment due to a new credit card number issued on an auto loan, and the other 12 from Navient connected to this singular event, 6 on the private side and 6 on the Dept of Ed side ). Without these above mentioned derogatory marks, my credit would be in great shape, and it is time for Navient to finally fix things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. This account is fraudulent and needs to be removed. XXXX XXXX {$7700.00}. Fact, The XXXX XXXX  XXXX XXXX is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The companies above has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. XXXX, XXXX is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: NJ
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 719XXXX 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 2019-09-17
Company: Innovis
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing a credit report issued by you, I have found many errors. 

Specifically, these errors are in the Personal Information section. I am seriously concerned about identity fraud and feel that having inaccurate information on any credit report can become an opportunity to open me up to identity theft, which I, as a knowledgeable consumer would like to avoid. 

The following is the only address that should be listed on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX The ONLY Information that should show on my credit report is, as follows : ( Please delete all information that does not ) : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Previous/Past address : none Employer : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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:
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 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 2019-01-31
Company: Arete Financial Group
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
They called me on the phone and they told they were going to consolidate my loan to a single payment. They told me that they would help me stop paying two loans every month. I said OK and then they said they were going to charge me {$5800.00} for both of my loans which is about {$6400.00}. I agreed, after a few months i found out they were not paying, then i called them several times and they don't pick up my call. Later they called me back and said I did not have enough money so i said OK. I continued paying until i got to {$1900.00} and called them and they told me that they had started paying so I was happy and continued paying. Then I received a call from the loan company and they stated they have not received any payments. Then I called them and they stated they were speaking to a particular person. After that call i called my bank and stopped payment due to losing my job. I have been calling them to cancel the whole thing, I was able to talk to them after several calls, they told me they sent me an email stating they had canceled. they also left me a voicemail to call them back. Every time I call their toll free number I get the operator and they transfer me to another company that sells cars and they state it is the wrong number. Since then I have been calling them so they can refund my money and all they refunded me was {$5.00} which I was paying {$250.00} a month from XX/XX/2018 til XX/XX/2018. I then started paying {$280.00} a month then to XXXX. A total of {$2400.00}, out of this balance they only paid {$600.00} to one of the loan company. I have a bad credit no money and I don't know where my {$1800.00} is! I haven't heard from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CAPITAL ONE BANK USA stated on my credit report that my card is past due 60 days. This is inaccurate and I have proof that I have been making payments. The card just accentually went over it credit limit but I have been paying down on it to bring that limit down.

Company response to consumer: Closed with explanation