BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is my second complaint regarding Equifax. Back on XX/XX/2021, I filed a complaint that the company did not respond to my certified letters nor phone calls to correct my credit report per my letters, but also they did not send me a credit report as per my multiple requests. It has been approximately 30 days and I have still not heard anything from Equifax, neither any corrections, nor a letter nor a hard copy of my report. They have ignored me and your agency! This is outrageous behavior, no wonder they are screwing up my credit! Attached I have included the earlier three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my Equifax credit report for inaccuracies and for Equifax to send me an updated credit report as I did in my earlier complaint. Please do something to make these people correct/ send me my credit report!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: LoanCare, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, LoanCare sent me a letter with instructions on where to send future principal reduction payments ( their term is " principal curtailment '' ). On XX/XX/XXXX, I mailed a principal reduction payment to the address contained in LoanCare 's letter from XX/XX/XXXX. On the check itself, it's noted as a principal reduction, on the post-it note, it's noted as a principal reduction and in the letter to Loancare, it's noted as a principal reduction in red letters and underlined. 

On XX/XX/XXXX, LoanCare cashed the check and didn't apply it to anything, just noted it as a payment. I called and left a message with the phone number and extension from LoanCare 's letter to me ( XXXX ) XXXX-XXXX ext XXXX. On XX/XX/XXXX, LoanCare applied the principal reduction payment as 2 future payments and a partial principal reduction ( {$52.00} out of {$2400.00} ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Nelnet, Inc.
State: CT
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 having issues with Nelnet, my federal student loan servicer for several months now. On about XXXX or XXXX occasions since the beginning of this year, Nelnet has failed to apply my standing special payment instruction to how my auto-debit loan payment of {$350.00} was to be applied across my loan groups. In XXXX of the instances, when I called Nelnet, they informed me that because I had not caught their error earlier, there was no way for them to reallocate the payment, and that the fix would only be effective for that current month, not the prior month that was also at fault. Since XX/XX/2023, I have spent approximately XXXX minutes ( almost XXXX hours ) either on hold with Nelnet or on the phone with their customer service to try and correct these issues. Every time I call they apologize, say they have fixed the issue and to call back in XXXX to XXXX business days. Only sometimes the issue is fixed and eventually it breaks again. Once when I called back after the XXXX business days, the agent said the other agent I had talked to almost a month before hadnt actually fixed anything and there wasnt anything they could do for that payment ( XXXX payment ). 

Currently the following months payments were not allocated correctly in the past 6 months. 
XX/XX/2023 allocated to single loan group incorrectly XX/XX/2023 allocated to single loan group incorrectly XX/XX/2023 allocated to single loan group incorrectly I even switched from my legacy special payment instruction to their allocate extra by percentages option to avoid any issues with the legacy option and people having to manually allocate the payment. I have been told that since I am paid ahead almost a year, that the allocate by percentages would split my {$350.00} payment as follows across my loan groups every month automatically. It failed to work and I dont know if I have it in me for another hour to XXXX hours wait on hold. Additionally, the estimated time on hold call out on their phone system is broken so it just says you have minutes on hold while also stating you have over XXXX wait. I tried this past Monday and gave up after XXXX minutes. 

Note that the original payment instruction before all these issues had been in effect successfully since XX/XX/2023. It was only starting around XX/XX/2023 that Nelnets system started breaking down and my payments started being allocated to singular loan groups against my wishes. 

I have also made several manual payments in this time period only to make sure all the loan groups show as having a payment applied to them so that when the loan status are reported to the credit agencies, even though they are paid up over a year ahead, that Nelnet doesnt go and report me not having made a payment for the month in question which has been rather stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
IQ Data is a completely unreasonable arm of the rental industry and a disgrace to multifamily properties. 

The first time they call they assume we are losers and they are not shy about lecturing us on how to manage our finances. Both I and my wife have an 800+ credit score and make a high six-figure income. What makes them think that we would try to cheat a property management company for {$250.00}? 

Anyways, the property management company already said they have corrected the amount we owed as there were double charges but the IQ Data insists to pay the original amount. Their representative ( XXXX ) is so rude that she talks over us all the time and don't even want to listen to anything else. 

It's so sad that these people are forced to work in such kinds of jobs and trained by vultures. I can just imagine how XXXX up kids they would be raising after doing such horrible jobs. Hope CFPB can control this beast of company and get relief to American families who are just trying to survive from day to day.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MS
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:
See the below cases submitted to this agency on XX/XX/2022 where XXXX. XXXX XXXX  XXXX failed to removed the fraudulent charges from all credit reporting agencies as requested according to the FCRA. 

XXXX ; XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to follow the response given in complaint CFPB XXXX. I called the number XXXX as directed to try to get my account unfrozen, to try to close the accounts. 

The number goes to " XXXX XXXX XXXXXXXX XXXX ''. I just want my accounts closed and am not able to do so. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2022 I sent in a request for all three of the credit bureaus to confirm if the information is correct on my credit report. But once I sent out my letter asking them to confirm if the information is correct on my account I received a postcard from them. The postcard from XXXX stated proof of address unacceptable reasons number four and three one or more of the documents was too old please see the time frame listed below one or more of the documents was illegal one or more of the documents was not accepted to be used as proof. Then on there it says list below reason only one proof was provided to acceptable documents are required please provide two current documents from this list and it list driver 's license bank statement XXXX XXXX cancel check government issued IDs. But still all they did was send me the postcard and did not inform me of if the information was correct on my account or not. The reason for me wanting to have the information confirm it's because I was told that there was a data breach and a few of the companies and I just want to make sure that my information was not tampered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft 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 non-monetary relief
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # 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 an 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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG 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 non-monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: NY
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:
According to 15 usc 1666b ( a ) It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose. 

And also if I was not notified 21 days before the due date.

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 2022-05-27
Company: Experian Information Solutions 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:
Bankruptcy - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX A representative from Experian recently stated two thing : 1. All accounts reported on a credit file has an address identifier linked to it that ties to an address listed on my credit report. PROBLEM : The address identifier linked to the bankruptcy is NOT listed nor tied to an address on my credit report. YOU HAVE MERGED MY FILE! I keep explaining there are THREE generations with the same name in my family. My father, XXXX XXXX XXXXXXXX XXXX  ; Me, XXXX XXXX XXXX, XXXX ; My son, XXXX XXXX XXXX, XXXX. My dad names on my report MULTIPLE times. XXXX even has my son 's birthday on my file. Who are you verifying??? 2. The representative confirmed that Experian verifies bankruptcies through XXXX. PROBLEM : I've sent Experian the letter from XXXX that clearly shows that bankruptcy COULD NOT BE VERIFIED BUT EXPERIAN keeps claiming to have verified and this has to be a complete LIE! I think Experian knows my file was merged which is why they suddenly deleted accounts I BEEN told them were not mine BUT kept XXXXXXXX XXXX XXXX XXXXXXXX, and Bankruptcy. Plus ALL of these INQUIRIES KEEP SHOWING UP! WHY? WHO ACCOUNT DID EXPERIAN SUPPOSEDLY VERIFY? Experian has multiple violations of my rights under FCRA.

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 2023-06-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
OnXX/XX/2019 I mailed two letters of dispute for an alleged collection with a balance of {$790.00} to Portfolio Recovery Associates, XXXX and they were delivered XX/XX/2019 at XXXX XXXX. I mailed the same letter twice being that they reported two different address on the credit reports where this alleged debt is listed under my Social Security number. On today, XX/XX/2019 I received two separate letters both dated XX/XX/2019 from Portfolio Recovery Associates, XXXX stating that, " In our previous letter to you, we requested that you send our company additional information pertaining to the account referenced above so that the Disputes Department could complete the investigation of the alleged dispute. '' ( Note that in the comments on my XXXX credit file, this company states that they've " completed investigation of FCRA dispute ). Listed on my credit files ( XXXX, XXXX and XXXX ) are the comments " consumer disputes after resolution '', " dispute resolved ; customer disagrees '', and " subscriber reports dispute resolved ; completed investigation of FCRA dispute ''. I have never received ANY letters from this company whatsoever regarding this alleged debt listed under my Social Security number except for the letters stated above delivered XX/XX/19. I have also never signed any law binding contractual obligations with this company to repay this alleged debt. Also note, per my XXXX   credit file, the account status is listed as Closed, but this alleged debt is in collections being reported as Failed to Pay -- to date. Portfolio Recovery Associates, XXXX is reporting differently to each of the previously mentioned Credit Bureaus ; items such as account number, account status, terms, and original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX " PAYMENT STATUS '' is inaccurate as it is showing 30 days late. 
In general, the Credit Bureaus are reporting XXXX late payments in my Credit Report, one on XX/XX/XXXX and another one on XXXX, XXXX, that are not accurate as I was never late.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: PA
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:
Dear Experian Headquarters, I am writing to address a critical matter that has not only caused me significant distress but has also resulted in direct financial and reputational harm. It has come to my attention that Experian reported the XXXX XXXX XXXXXX/XX/2023 inquiry on my consumer credit report without my consent. While this inquiry was eventually deleted after my dispute, the deletion itself is an admission of inaccurate reporting and wrongdoing on the part of Experian. 

I am deeply troubled by the flagrant violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by Experian. Specifically, Experian has violated the FCRA by reporting inquiries on my consumer report without my consent, neglecting to conduct a proper investigation as required by the FCRA, and reporting data on my consumer report that fails to meet the standard of maximum accuracy mandated by the FCRA. 

The repercussions of these actions have been severe. My financial and credit reputation have been unjustly tarnished due to Experian 's inaccurate reporting. I have suffered both emotionally and financially as a direct result of Experian 's violations. 
According to the provisions of 15 USC 1681n, Experian is liable to me in the sum of XXXX} per inquiry due to its willful noncompliance with the FCRA. Consequently, Experian has been invoiced for a total amount of XXXX XXXX XXXX  per inquiry ) to address the damage incurred by its actions. I demand that Experian fulfills this XXXX by mailing a XXXX XXXX XXXX 

This matter is of extreme urgency. Experian has a period of XXXX business days from the date of this letter to respond and fulfill the invoice. Failure to respond within this timeframe will be considered an admission of violating the FCRA and neglecting the obligation to fulfill the invoice. 

I am holding Experian accountable for its actions and expect a prompt and responsible resolution to this matter. I trust that Experian will take the necessary steps to rectify the violations and provide the requested payment within the stipulated time frame. 
I anticipate your immediate attention and cooperation in addressing this issue and fulfilling the XXXX  as demanded.

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 2023-02-13
Company: AMERICAN EXPRESS COMPANY
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hold an Amex XXXX card with # XXXX, an unauthorized charge of {$160.00} was made by Amex XXXX on XX/XX/2022. Disputed it and Amex sent email on XX/XX/XXXX stating the dispute was resolved and {$160.00} will be credited back to my account within one billing circle. 
Never received it, and Amex online representative provides no useful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
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:
I have accounts listed on my credit repair that doesn't belong to me. I never gave anyone access to personal information to apply for these accounts listed below. 



XXXX XXXX -opened XX/XX/XXXX amount {$930.00} XXXX XXXX opened XX/XX/XXXX amount {$790.00} XXXX XXXX XXXX opened XX/XX/XXXX amount {$0.00} XXXX XXXX -opened XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX XXXX opened- XX/XX/XXXX amount {$3900.00}

Company response to consumer: Closed with explanation