BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: LA
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 violated my consumer right multiple times on account XXXX XXXX XXXX XXXX by verifying updating with notification of method of verification also violation of XXXXXXXX XXXX XXXX with improper charge of status Not reporting 1099 to IRS for writing of the debt and properly submitting me with 1099c for writing off debt over XXXX with irs which make designation of charge off false because it was not reported to the IRS which make this account inaccurate also tax fraud because there is no documentation file with the IRS of this charge being written off and no 1009c was issued Also equifax report is in complete as most of the data is blank - blank creditor classification - blank original creditor - blank activity designator - blank sold to but this debt has been sold multiple times and is now in law debt collectors- conflict of information that doesnt match with other consumer reporting agencies ( XXXX and XXXX XXXX blank credit limit - blank high credit - blank info available credit This account I demand to be deleted immediately this report in incomplete and violates my rights under consumer law Also date of 1st delinquency dont match was XXXX XXXX and last date of payment reports as XX/XX/XXXX - account open XX/XX/XXXX in payment history reports as blank in the same report in payment history is blank which is inaccurate and impossible- this account is reporting charged off but still reporting a past due balance which is a violation - defer payment is blank - date close is blank - schedule payment is blank -actual payment is blank -Ballon payment is blank Ballon payment date is blank - payment history are blank XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX This account is incomplete and inaccurate for most of the report I want methods for everythis that is verified if not I demand this account be deleted immediately also I demand damages of XXXX per violation under the consumer law as I have substantial damages of denied credit on my personal and business credit where I has be substantial loss because of these violations and I demand this account to be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: CA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XXXX, there was 22 different transactions made on my account with XXXX XXXX out to {$870.00}. I've been fighting it ever since then all the way up till today. They keep on denying my claims and my disputes. There's all the documentations and all the documents that they've sent to me. Does not look legit and accurate not matching up with my statements. That I have on my end at home. My none of my pronouns of my monthly statements add up very.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: I.C. System, Inc.
State: GA
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:
I moved out of an apartment where I had XXXX internet and cable service. It was month to month with no contract. I moved in Late XXXX, early XX/XX/XXXX. I made my last payment XX/XX/XXXX. I have an email thanking me for the payment. I called to disconnect the service and was given instructions to return the equipment to avoid additional charges. I returned to a XXXX  store in XXXX, Ga. I called back to confirm receipt of the equipment and no outstanding balance. I was told there isn't a balance " at this time '', and they could see where the equipment was received in. I provided a forwarding address, and they had my email and phone number since XXXX. I have not received anything more than promotional emails from XXXX  until today XX/XX/XXXX getting an alert that my credit report changed. I looked at it and there was a collection from I.C. Systems with an approx. {$250.00} balance. I called to verify and was explained that it was from XXXX. I explained everything stated above to them but they were only interested in collecting the debt, even offering a settlement. I told them I didn't feel that it was correct. And if there is was a balance, I should have been notified prior to it being placed on my credit as a collection. I have had no notice of a past due balance for the entire time. This has to be some type of violation of consumer rights. It places a negative impact on my credit report and it is a unfounded charge that they mysteriously generated after almost 2 years, without notice.

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 2020-06-11
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:
Experian failed to investigate a dispute, Experian is not investigating disputes, they just notified the creditor of the dispute and letted the creditor decides if the information reported is incorrect or not. 
Experian sent me a letter saying that : If the account was opened as a result of identity theft, the creditor may not know how to contact you to discuss this matter, the credit requested that you contact them directly ... 
And the disputed account remained in my credit report. 
I sent a letter to the credit bureau directly notifying them with an explanation of the issue, by law they should investigate my dispute in their ends but they failed to do so. 
Others Credit Bureaus investigated my dispute and deleted the information from my credit report but Experian is not doing the investigation appropriately.

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 2023-12-18
Company: EQUIFAX, INC.
State: CT
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:
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX has violated my rights. Or a list of inquiries : 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: In progress
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit dispute letter was sent off and Transunion stated that they would not investigate because it seem as if it was from a credit reporting agency, but even if I did go through a credit reporting agency that still does not mean to not investigate. I did send off the letter and documents myself as well as provided documentation. The letter was sent XX/XX/2023.

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 2023-10-14
Company: Nelnet, Inc.
State: OR
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:
Hello, I have been trying to reach Nelnet forever to contact them that I want to be placed on the XXXX plan and not defaulting to the XXXX plan as they have been doing to everyone else. For the majority of us with grad school loans, we are navigating buying a house, raising kids, and finally earning some income to get us out of debt. The high interest payments are simply not making things economical to survive, adding along the XXXX % inflation that has accounted in our fuel, food and basic living expenses that the PCE continues to leave off. 

Please help us navigate and request further delays because Nelnet is not equipped to handle processing these loans properly and is misleading people into the worst options for themselves. 

You can find on reddit multiple threads about people complaining of Nelnet 's embarrassing practices and working towards delaying and preventing any form of help : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send some authorities to ensure that Nelnet is operating within the consumers XXXX rights because it is apparent they are not. 

Signed another distressed citizen, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: AL
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 have fraudulent accounts on my credit report that needs to be removed immediately. I have attached the FTC Report that I filed, cover letter restating the accounts that have been submitted on my FTC Report, along with a screenshot from the FTC.GOV website that states " .... if you have an FTC IDENTITY THEFT REPORT, credit bureaus must honor your request to block this information. '' So, that there is no misunderstanding that the bureaus do not have a choice to not block the information that I have reported fraud on my credit report. If not blocked it is also a violation of 15usc 1681c-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} EQUIFAX : XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$51.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$88.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
These inquiries have been added to my credit report without my authorization! 

XXXX XX/XX/XXXX CAPITALONE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I disputed them and they remain on my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: EQUIFAX, 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-12-07
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of this year, my division at the University where I had been employed for 18 years was forced to downsize due to COVID. As a result, I took early retirement and sought employment in the private sector. I was hired for a new position starting in XXXX. Knowing that my budget was going to be tight until I again began receiving a paycheck and until my pension kicked in 90 days after retirement, I tried to contact my loan servicing company to work out a solution. In countless phone calls to LoanCare customer service I was either placed on hold for over an hour or disconnected after following prompts to speak to a representative. I tried over and over to contact LoanCare but was unsuccessful. Left with little alternative, I continued to send payments toward the account in amounts that I could afford and when I could. LoanCare , LLC continued to send letters of default and I continued to try to contact them to no avail. I finally contacted my mortgage broker who originally processed the loan and he was able to arrange through his parent company a conference call with me, him and a LoanCare representative. During the course of this call, it was revealed that, while payments were being withdrawn from my bank account, they were not being credited to my mortgage account. I indicated that I now had the resources ( with a regular paycheck and pension ) to bring the account current by the end of XX/XX/XXXX. I have made these payments and had a conversation with a LoanCare representative " XXXX '' on XX/XX/XXXX in which she confirmed that the account was current and no payment would be due until XX/XX/XXXX. However, when logging into the LoanCare website, the site still indicates that there is a XX/XX/XXXX payment due. I have been messaging Loancare daily through their website for clarification regarding this matter, however no response has been forthcoming. A quick XXXX search for LoanCare , LLC shows that there are numerous customers who have similar issues trying to communicate with this company.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is XXXX XXXX summitting this CFPB complaint requesting to the Credit Reporting Agencies to please reinvestigate the erroneous accounts reporting on my Credit File. I am submitting this CFPB complaint to you today in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/2021 - This is a formal request for an investigation of this account 's comments, account type, payment history, and account name. There is a possibility that this information may be inaccurate. This must be corrected immediately. 
XXXX XXXX XXXXXXXX  Balance Owed : {$22000.00} Date Opened : XX/XX/2021 - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this XXXX concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  : Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

XXXX. XXXX XXXX XXXX Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies.

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX XXXX  [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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