BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-21
Company: National Enterprise Systems, Inc.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
After XXXX, I could not find a ( XXXX XXXX job outside XXXX. I could not afford the loan payments ( $ XXXX. ), so I began underpaying each month. I was in contact with XXXX XXXX, but they would not work with me to lower my payments. Then, after a job change, I became unable to make payments, which put me into default ( staying in contact with XXXX XXXX, asking for help ). XXXX XXXX then sold/transferred my loan to National Enterprise Solutions ( NES ). It was n't until much later, after a long time of non-payment and after speaking with my father, they finally worked out a deal with me. I will be attaching this contract. A stipulation in my payment agreement was that funds were to be automatically taken out of my account every month @ $ XXXX. In 2013, this stopped happening and no more payments were coming out of my bank account. Next, I learn that this new company was refusing to recognize my former agreement, and denied me a continuation of said payments, saying that it " makes no sense ''. The man with whom I spoke was patronizing and rude, so I ended the conversation and have not answered phone calls. I consulted with a financial expert and was told that they were legally obligated to honor the previous contract. But they are not continuing, and they insist I owe much more per month to them ; and are now wanting to ( garnish my wages ). I believe I am due my contracted agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: FL
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:
Equifax has violating Federal laws concerning the use of private information. Equifax is obligated by the FCRA to report accurate accounting, consumer has been attempting to resolve an issue by requesting Equifax to provide documentation used to determine that all disputed negative accounts were verified, consumer is not asking for an e-oscar report. If Equifax isn't able to provide said items negative accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules. 



Consumer has attempted to resolve this matter for over a year, I will be filing form 211 treasury omb forms to audit consumer account. 
Equifax is securitizing consumer 's data yet refusing to provide a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

Equifax you have 3 days to remove negative unverified information EQUIFAX XXXX XXXX XXXX XXXX IRS XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-02-07
Company: Spring Oaks Capital, LLC
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:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. IAMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TOTHELETTER OF THE LAW '' XXXX, XXXX, Equifax XXXX XXXX XXXX are failing to comply with FCRA laws. I have filed a police report, an identity theft report & reporting I was a victim of identity theft to all parties. The following accounts were opened without my knowledge, authority or consent & I need them blocked from my credit file & internally with XXXX XXXX. I'm again attaching a police report, identity theft report, my photo ID and local address document. Please see the following information is removed from my report. XXXX XXXX Accounts # XXXX, XXXX & XXXX. Also the following address is not mine XXXX XXXX XXXX XXXX XXXX & there is some social security which is not mine either - XXXX. Please see that all this information is blocked from my records...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Paypal Holdings, Inc
State: TX
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:
The company keeps restating the data is accurate- the major data problems Account Balance - moved out on time, didn't break my lease and the minor repairs needed didn't equal almost XXXX. The account was posted as an eviction which is very malicious and intended to keep me from getting other apartments i have been fighting with them since i moved out in 2019. When i did move in there was a list of problems/repairs that needed to be done and kept being ignored until right before i was getting ready to move out. The quality of work done in previous repairs caused some of the problems i experienced while living there. The ceramic tile in the bathroom was installed incorrectly leaving the tile vulnerable to weight and or normal wear and tear damage. The tile eventually cracked and needed to be replaced and caused one of my friends to get injured while standing on the tile. The door frame holding the front door was old and the places used to screw the door had become work so the front door had to be lifted to get it to close. It would not just close normally. The walls in the rest room were extremely thin so when the door was closed and shower was running the walls would be damp from moisture and over time small holes started appearing in the walls. The air conditioner went out in the unit and it took them several weeks to get a replacement installed even once that happened it was never cool as it was before. I asked if they had any fans at least they had nothing so i was forced to purchase a portable air conditioner for {$400.00} to use it caused me electrical problems as the unit required more power so other things had to be unplugged to use the unit. There was intermittent electrical outages The refrigerator went out and ruin all my frozen food and the perishable items in the main part this cost me XXXX XXXX XXXX to replace the lost food not to mention i was forced to eat fast food during the time it took them to make this repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion file . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2023-10-01
Company: Experian Information Solutions Inc.
State: NV
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:
I acquired my credit report and asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) XXXX XXXX XXXX ACCOUNT XXXX is reporting this account as opened on XX/XX/2023 The date open is not correct date last active is not correct on all three credit reports, Which is a violation! 

This is impacting me from moving forward to buying a house for my family THIS IS A VIOLATION OF 15 U.S. CODE 1681i ( 5 ) REMOVAL OF INACCURATE / INVALIDATED CREDIT INFORMATION. PLEASE REMOVE IMMEDIATELY

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 2021-08-25
Company: EQUIFAX, 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:
Under Florida law a company has to be licensed in the state of Florida to collect a debt from a Florida resident. Title XXX111 Chapter 559. 553 ( See attached documents of Florida Statues ). This applies to all consumer debt collection agencies. ( It is a felony for a consumer collection agency to try to collect a debt from a Florida resident if that agency is not licensed in Florida to collect debts. Title XXX111 Chapter 559. 565 ( see attached documents ). XXXX  and Equifax are complacent in this felony by allowing XXXX XXXX XXXX to report their trade line on my credit report. XXXX XXXX is not licensed in Florida as a consumer collection agency. XXXX XXXX is engaging in a felony by trying to collect this debt from me and XXXX  and Equifax are allowing XXXX XXXX  to commit this fraud there by making both XXXX  and Equifax guilty of conspiracy to commit fraud. I have filed a complaint with the Florida Attorney Generals office against XXXX XXXX XXXX. I have informed them in my complaint that XXXX  and Equifax are both aware that XXXX XXXX is committing a felony and are allowing this felony to continue. XXXX XXXX XXXX does not have a legal right to collect this debt or attempt to collect this debt according to Florida law. I want XXXX  and Equifax to supply me with proof that XXXX XXXX XXXX has a legal right to collect this debt under Florida law ( I live in Florida ). XXXX  and Equifax both know that this company XXXX XXXX XXXX is currently under investigation with the SC Attorney Generals office as well as the Florida Attorney Generals office for committing fraud and violating Florida law on debt collection. Yet despite knowing all this XXXX  and Equifax are still allowing this illegal and fraudulent debt to be reported on my credit reports. Under the FCRA a credit reporting agency has to verify the accuracy of information that a company reports and has to verify the debt exist. The fact that XXXX XXXX is commiting a felony under Florida law by attempting to collect this debt make the debt an illegal debt and therefore can not be verified to be accurate. Once again XXXX  and Equifax are knowingly allowing companies to commit fraud and violate state laws.. Let this complaint serve as official notice to XXXX  and Equifax that they are violating the FCRA by not validating the authenticity and legality of this debt. I do plan to use this complaint as evidence in court when I file a lawsuit against Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Bridgecrest Acceptance Corporation
State: GA
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 BridgeCrest Account # XXXX has violated my rights. Under 15 USC 1681 sections 602 States I have the right to privacy .15 USC 1681 Section 604a section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credits as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
For almost a year now I have been told that the digital team had to fix an issue with mirroring an old account I had that I closed due to a back and forth dispute I had with a merchant that was investigated. So much that Capital One even gave me back the fees the merchant charged me due to the returned check fees I received as a result and was not a fault of my own. Again, for almost a year I have called in numerous times as to why I can not reestablish my line of credit on my checking account which several managers and reps all told me I should be able to do and the digital team was still working on it. Until it was fixed a note was put on my account dated XX/XX/2019 to credit me until the situation was fixed. Today I call in to gave two that were given to me credited and now I get told the reason why I can not have my fees reimbursed and my previous account mirrored is because my old account was restricted. Its not true and I paid everything that was due and was left in bad standing and it was then put in charge off status for XXXX cents that they forgave which is not true at all. It is all ridiculous and I am sickened with the amount of lies that have been told to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: PA
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:
Hi, I sent out a letter to XXXX/XXXX which was delivered on XX/XX/2018 requesting some information that was reporting in error. The response that I received back from this company was very disheartening and I feel like I am being taken advantage of by this company and the credit bureau 's. I am going on about 12 months of trying to fix this issue, and everyone is simply ignoring me and disregarding my request. The letter that I sent to XXXXXXXX in XX/XX/XXXX clearly stated exactly what I needed to prove to them that the information may be reported in error. However, they simply replied back stating that I didn't request anything in specific. To prove my claims, I've attached the letter I sent, with my request inside of that letter, and also their response from my letter, which came over a month and a half later. This company has a reputation of illegal loan shark transactions and the accounts they set up are with ridiculous late fees, and the billing cycles are set up to increase the likelihood of missing a payment. I am at my wits end with this situation and I need this resolved immediately!

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 2020-02-13
Company: Checkr, Inc
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX, I was XXXX  of a XXXX XXXX XXXX in Pennsylvania. Since it is now XXXX, I believe this is considered outdated information according to the Fair Credit Reporting Act. However, this conviction is still appearing on my background check which was conducted by a company named Checkr.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself to check the reason why my score was so low. I knew I was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple of items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: ClearOne Advantage, LLC
State: NC
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
I have just started with Clear One Advantage and they had told to stop taking my creditors call or to tell them I am working with the company. I was at the end of my ropes and considering bankruptcy. I got in touch with them. All I am want is to be debt free and in to deeper debt. I do n't want to be scammed out of my hard earned money. I have only paid them one month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Citi Diamond Preferred credit card company isn't resolving my dispute on XXXX Unauthorized charges on my credit card, that were charged in XXXX, and were made without my knowledge. The first time I was aware of any " unauthorized charges '' on my Citi card was on XX/XX/XXXX, when a XXXX rep from Citi Fraud Dept called me. She said there was some suspicious activity on my account and did I authorize a charge from XXXX for {$3.00} on XXXX XXXX in XXXX, XXXX, or XXXX for {$50.00} on XX/XX/XXXX in XXXX, XXXX, or XXXX XXXX for {$59.00} on XX/XX/XXXX in XXXX, XXXX or XXXX XXXX for {$62.00} on XX/XX/XXXX in XXXX, XXXX? I replied, " Absolutely NOT!, I'm a XXXX citizen who barely leaves my home here in the XXXX XXXX! Why would I go to a XXXX in XXXX when I can go down the street to my local XXXX here! ''?? I did not authorize any charges from XXXX! What is really crazy about this conversation with the rep from Citi Fraud Dept on this day is that she only asked me about these four unauthorized charges and she could see ALL the purchases from XXXX! Yes, there were 26 more unauthorized charges from XXXX! Starting on XX/XX/XXXX there were 2 from XXXX, XXXX {$84.00} in unauthorized charges, 2 from XXXX, XXXX {$47.00}. On XX/XX/XXXX there were 4 more unauthorized charges from XXXX, XXXX {$92.00}. On XXXX there were 12 Yes! Twelve unauthorized charges from XXXX XXXX XXXX, XXXX {$350.00}! On XX/XX/XXXX there were 5 more unauthorized charges from XXXX XXXX XXXX, XXXX. I wouldn't be going thru this if this Fraud Rep asked me about ALL 30 unauthorized purchases on XX/XX/XXXX! I didn't see them until I got my statement in XXXX! The Security Investigation Dept at Citi tells me I've been Scammed and Citi does not credit scams they only credit Fraud! Now I ask you smart people out there, " if You are Frauded or Scammed aren't they ALL Unauthorized Charges on your Credit Card Right?? Citi Preferred Diamond Credit Card Company does Not want to Credit my Account!! On Citi Card website they state, " You are protected against unauthorized charges on your consumer credit card. At Citi, you will not be responsible for unauthorized Charges '' Really Citi Card? Can you Please Help me CFPB? I really need to get this resolved asap and I do not want to pay any interest charges or foreign transaction fee which they are already charging me! Help a XXXX out in the XXXX XXXX! I'm sleepless in XXXX because of this!

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 2019-08-01
Company: Experian Information Solutions Inc.
State: HI
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. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX Original Creditor : 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