BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to correct my records through Equifax/work number/Talx for some time now. The entire time I was trying to view them I start getting ads from Equifax, then I get locked out over and over. There were also several other links popping up at the same time. Half of my records are either incorrect or totally missing. To top it off somebody is working under my social security number, phone number and other email at NIH. 
It makes sense as to why I found XXXX on my phone a few times. To top it off I found a small females border patrol green recruit jacket inside my house near all of my paperwork after returning from being gone for a day towards the end of last year. Who ever it is is affiliated with Equifax because they kept kicking me off the entire time. 
How am I supposed to handle this type of situation when it is people in places of trust Misusing my information and abusing their positions of trust?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: TN
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 am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-12-12
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for XXXX in late XXXX as my first payment on Nelnet 's site was showing XX/XX/XXXX for a payment based on a XXXX plan I was not enrolled in. Approximately XXXX week prior to my payment date, I rechecked the site and saw that the correct amount based on the XXXX plan was set as my payment. I signed up for the autopay. I did not see any fee charged to my account on the payment date. Then on XX/XX/XXXX I received an email stating that my account was put into an administrative forebearance. My account is still accruing interest despite the fact that I was prepared to make payments on the XXXX plan and thus would have my interest wave. This oversight is leading to myself and many other borrowers unfairly being charged interest because the SERVICER is unable to process all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 non-monetary relief
Consumer complaint received 2023-09-15
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Citibank checking account. XXXX fee disclosures stated a XXXX $ monthly maintenance fee will not be charge if XXXX ) maintenance a balance of {$1500.00} or XXXX ) have XXXX monthly deposit. 

I opened my account to receive monthly social security benefits as I am retiring. I will not receive my first paymen until XX/XX/2023. I maintained my account balance at XXXX for the first month but on the XXXX month I was hit with the fee. 

I called them and they said my account balance dropped to XXXX 

But this decrease was due to them improperly charging me the fee. I should had never been charged this fee. I asked for a reason why it happened and they were not able to response and did not know why it happened. I am retiring soon and keeping a close eye on my account as every XXXX matters. 

If this is happening to me. Other seniors would be affected and not realize. This is completely unethical and improper to do to anyone especially when I'm a senior citizen and indicated that I'm opening the account to recieve social security benefits. 

It made me feel that they're were trying to take advantage and see if they could get away from it.

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 2022-06-02
Company: EQUIFAX, INC.
State: MI
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 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 590. 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 year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: NC
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:
Upon reviewing my credit report I found information I did not recognize and/or did not authorize. They are the following : Inquiry-XXXX XXXX XXXX Collection ( s ) XXXX XXXX XXXX acct. XXXX XXXX XXXX XXXX acct XXXX # # # # # # XXXX I am aware that in accordance with the Fair Credit Reporting act the accounts listed above have 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 2023-05-15
Company: EQUIFAX, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
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:
XXXX XXXX XXXX XXXX XXXX is a fraudulent account that was reported back in 2021. This account was removed from my report but appears to have been sold to another collection agency called XXXX XXXX. Under the Fraud debt collection practice act it is a violation to collect on an account that was previously reported as fraudulent. I am notifying you that this account must be removed immediately removed based on the aforementioned information. A report affidavit is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
I recently recieved my credit report and noticed a late payment from XXXX on my equifax report. XXXX is in clear violation of consumer rights law according to Fair Credit Reporting Act 15 USC 1681 b, permissable purpose of a consumer report. I have never given XXXX the authorization w/ written instruction to report any type of transaction. This late payment should be excluded from report according to 15 USC 1681 2 A:1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have student loans from the years spanning XX/XX/XXXX-XX/XX/XXXX for XXXX and XXXX school. They are a combination ( roughly 50/50 ) of FFEL Stafford Subsidized and Unsubsidized loans.

All my loan information was accurate as I made payments and dealt with financial hardships to arrange for Forbearance and Deferments, while I was with my original loan provider, Sallie Mae. 

My load was sold to Navient in the year XXXX, and at this time, things took a confusing turn. My loan principle went from its original {$60000.00} to {$81000.00} what it seems was as a result of the transition plus further increases over first few years the loan was with Navient. The amount taken in by Navient is also far off from my original principle amount. I believe the additions to my principle were a result of interest capitalizations I was unaware of and uninformed of. After many attempts to get solid information from Navient, information that made sense based on my interest rates and also subsidization of my loans, I was unable to receive an answer that matched up to what I understood. The customer service reps seemed scripted and also uninformed and provided very very general information without any detailing of interest charges. 

My interest rate also went up 1 % and there is a notice of another consolidation in XXXX, but I have record and recollection of only one consolidation on my end, which was earlier, prior to XXXX school. Again, several things that did not match up took place when the loan was sold to Navient. 

As such, I believe I am a victim of what Navient is being taken to court over, and want to see if it is possible to get more robust information on what occurred when Navient took over the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: A.R.M. Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX was contacted to specifically deal with weeds within the landscape beds. XXXX XXXX an XXXX XXXX XXXX was dispatched to our residence to complete a site survey and convey the services the company would render. XXXX was escorted around the property and is noted via audio/video on surveillance system in which the specific weeds and vines were identified for removal. XXXX XXXX also took digital images of the specific areas whereby the weeds were growing and stated XXXX has the ability, tools, equipment and personnel to remove the weeds within the landscaping beds and to keep them from growing including a monthly treatment. This was the only service requested from XXXX XXXX XXXX on approximately XX/XX/2021. 

At a later date, an XXXX XXXX tech came to the residence to perform a service. Prior to service the tech was asked about the service plan he was to perform and he indicated he was going to spray the grass. The tech was informed that grass treatment was not in agreement with our service request and that he was only to treat the landscaping beds. At that point, the tech indicated that the chemical treatment was not intended to treat landscaping beds and that the chemical would in fact destroy all of the plants, weeds and flowers as the chemical can not isolate weeds from other plant life. At that point, the tech was told, not to perform any services short of treating weeds within the landscape beds. The tech informed us that, he was unable to perform this type of service and that we were misinformed as to the type of services XXXX XXXX XXXX performs, which is only to treat weeds, fungus etc, within grass and not landscaping beds. 

In conclusion, XXXX did not perform any related services based on what sold to us as a service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These accounts have been disputed multiple times with all 3 consumer agencies and the issues still continue to affect my life every month for the past few years and this is a violation in more ways than one! 

XXXX XXXX XXXX ( CO in XXXX ) and XXXX  ( CO in XXXX ) accounts are continuously reporting on my credit report negatively each month for yearsand it is affecting my credit and re-aging the debt so that it will stay on my report longer. Each month it is also reporting an increase amount monthly ( XXXX accounts ) which also brings down my score monthly. According to FCRA 623 5 ( a ) duty to provide notice of delinquency of account states it should report the month and year, not continuously report for as long as they want. They are in violation and this is UNLAWFUL. 

XXXX XXXX account reporting every month negatively on an amount greater than {$600.00} XXXX XXXX XXXX XXXX account reporting a CO amount greater than {$600.00} XXXX XXXX XXXX XXXX all violations of the laws listed below FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) FCRA 15 USC 1681 ( e ) ( b )

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 2022-06-02
Company: CDS Debt Relief, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX I was called by CDS XXXX who reported to have been referred to me through a recent XXXX XXXX XXXX XXXX. They claimed that if began paying them a monthly fee of XXXX Dollars for 6 to 18 months, I would resolve my XXXX XXXX credit card debt with XXXX XXXX. I was advised to pay this through an ACH check tht they cashed every month for a year. My credit score would be improved be either A ) Canceling the debt through requests to the 3 credit bureaus or B ) settling the debt amount with XXXX XXXX if the first option was not successful. I was advised to stop paying the credit card debt and avoid contact with the creditors/ advise them I am now working with CDS financial. In XX/XX/XXXX XXXX XXXX claimed that my account was now resolved and my credit score was XXXX points higher through the credit monitoring service they offered. My credit score is XXXX points lower on all other services such as XXXX and XXXX XXXX. In XX/XX/XXXX I was served with a Law suit for the credit card debt. Since then, XXXX XXXX has written a fraudulent letter stating they are negotiating a debt settlement with XXXX XXXX. I am now forced to pay this debt through a law suit. When asked for a refund due to the lack of services provides, they reported they could not refund any money because the account was closed in XXXX, They have not offered any help and have avoided contact since this. They have simply taken over XXXX of my money and advised me to damage my credit score. I now understand credit repair is a very unregulated market and is exploiting vulnrable people trying to rebuild their financial wellness

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for XXXX  non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. XXXX has since removed this account. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the date last active and payment history. ABSOLUTE RESOLUTIONS I has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit 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 2023-05-15
Company: EQUIFAX, INC.
State: PA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation