BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My Loan was sold to Great Lakes student loans and anytime I called between XXXX to ask for an income repayment plan I was pushed into a forbearance without an income related amount being relayed. Not even {$0.00}. I didnt know better and took the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for and got a credit freeze from Equifax. I need to lift it temporarily. But their website says that I have no record with them, yet it also says that I have a freeze in place. I tried calling several " customer service '' numbers but they are all just phone trees or endless waits on hold. There 's no online help because they say that I have no account there. 
Combine that with dead ends on their site such as this one after I try to recover my account : " We apologize for the inconvenience however the system is unable to complete your request. Please contact Customer Care at XXXX ( XXXX ), 7 days a week between the hours of XXXX XXXX XXXX Eastern Time Zone for assistance '' I promise that that number is just another dead end. 
My wife has a separate freeze and she gets the same dead-ends and no help. 
This company needs to be shut down and the executives fined and jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: AR
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:
Just less than a month ago, Experian received correspondence on my behalf in regards to several accounts on my credit file due to identity theft. The account XXXX XXXX # XXXX was recently removed or deleted from my Experian credit report due to the account being blocked. As of XX/XX/2020 The same account ( XXXX  XXXX # XXXX is appearing on my Experian Credit file. This action goes against the Fair Credit Reporting Act in regards to section 605b and is a clear violation of my consumer rights. I find this totally unacceptable and Experian should be held accountable for the violating actions.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report is cause me great distress and XXXX. 
According to the FRCA Law Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted 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 non-monetary relief
Consumer complaint received 2021-12-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I need this issue fixed immediately attached document to the attachments section. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. I demand this account to be deleted immediately. 
XXXX XXXX XXXXXXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
buy a subscription for XXXX total XXXX of [ TransUnion Report, Score, and 3-Bureau Credit Monitoring ] . This is stated on the invoice. This means that I will have access to all credit bureaus for this payment. 

transunion Your receipt from TransUnion ( Order # XXXX ) did not provide me the service of being able to see the 3 credit bureaus. He did not give me the option for which I pay and the evidence is on the invoice. in this case they cheated me by buying this subscription.

After making the purchase I go to the option to see the 3 credit bureaus and monitor them and they charge me XXXX dollars again. The subscription is a lie. the invoice that I pay says exactly what I paid and the service that they should give me. It was not like that and I did not receive any service. Now to be able to see the XXXX credit bureaus I have to pay XXXX dollars again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with AmeriSave Mortgage Corporation, NMLS ID # XXXX, for a 30 year fix refinance in XX/XX/2020, and very difficult to get in touch with loan originator XXXX XXXX NMLS ID # XXXX, finally after many attempts I s/w with him why on their website said a 2nd disclosure on XX/XX/2020, this would put my loan to approx. $ 2600 monthly an addition {$6000.00}, closing when they were already to receive {$5000.00} for closing cost he reflected in to disregard, it, then I receive my appraisal which was grossly inaccurate, and finally he answered my phone call on XX/XX/2020 which he discuss if the appraisal was purposely under estimate, he email me the reconsideration form and ask for me to get in touch with another appraiser. As well, I inform him of an email that he sent to my spam saying the refinance was closed which he reported to ignore it I attempted to upload both the reconsideration form and the comps that evening and the account was closed. I email him both the form and the comps, which showed the appraiser went way beyond 10 miles and crossed over freeways and used property sold over 2 years ago and in the adjustable market rate the appraiser put 0, when there are plenty of properties literally less than 5 miles from my home that have sold. The appraiser under  estimate my property of {$100000.00}. I have made several more attempts to reach him, and emailed again on XX/XX/2020 asking for proof of what the {$500.00} application fee was used for or to return the funds to my credit card. He answered the phone call and put me on hold for over 36 mins and never returned the phone call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2021, the USPS forwarded a letter to me from Equifax Information Services LLC. Equifax had addressed the letter ( dated XX/XX/2021 ) to a 3 year old address that is no longer on my Equifax credit profile. I was unable to dispute the address online with Equifax because it's not listed on my Equifax credit profile as my current or previous address. Equifax was made aware of this issue several months ago but has refused to cease sending mail to former addresses. This is the 2nd letter I've received from Equifax that they've mailed to addresses at which I haven't lived in several years. I have attached a screenshot of the letter for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: ALLY FINANCIAL INC.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2022-04-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are too many inaccuracies in my report and i have filed disputes with XXXX XXXX on the dates below Equifax - 1st Letter XX/XX/2022 - 2nd Letter XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report is cause me great distress and XXXX. 
According to the FRCA Law Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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: Was not notified of investigation status or results

Complaint:
I need this issue fixed immediately attached document to the attachments section. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. I demand this account to be deleted immediately. 
XXXX XXXX  XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: NY
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:
There are XXXX different credit scores XXXX XXXX, XXXX XXXX XXXX XXXX and euifax credit score after complaint was made ( XXXX ) and credit report shows miss payments for nys child support. I have not missed payment over the last three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: NJ
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: Other problem getting your report or credit score

Complaint:
This complaint is specifically about Equifax, and how they could not provide me with a credit score due to missing my SSN. I have always been able to get my credit report from XXXX ( who I regularly monitor my credit with ) and XXXX. However, with Equifax, I have always received an error message. I decided to look into it a couple months ago when I tried to get my 3 bureau report from XXXX and they told me there was an issue. So I called XXXX, no issue. Then I called Equifax, major issue. Equifax was very difficult to get through to but ultimately they said that they had no information about me and were missing my SSN ( apparently no lenders have reported about me to them, which I find shocking ). So they tell me to email my Divers ID and my SSN card to  XXXX. I send it and get a vague and useless email later saying that they are having issues with my information and that I need to fax the same exact information that I had just sent to a specific number. First of all, why am I getting mixed messages on where to send this very sensitive information to? Second of all, why am I being asked to send it to several places where I can not validate the security? Third of all, why do they not keep their data centralized? Would n't you expect information that was emailed over, be stored in with all other information? Anyway, I called the number in the email response about my information a few times. Every time I called, I mentioned the Case ID # from the email. None of them had a clue what I was talking about. None of them knew about any type of Case ID #, which makes me think they do n't centralize their complaints. No one was helpful and no one could give me any real answers about where my information is going and why they do n't have it and why I need to send it again. They also put me on hold indefinitely so that I ca n't respond to the survey at the end. I 've been given the run around for over a month now, have gotten nowhere, and am at my wit 's end. All I want is for them to update my blank SSN with my actual existent SSN ( exactly what XXXX and XXXX successfully have on file ). I then just want my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act has violated my rights. 

XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX 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 explanation
Consumer complaint received 2022-04-27
Company: Specialized Loan Servicing Holdings LLC
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: Account information incorrect

Complaint:
I had an XXXX forbearance with Specialized, which I truly appreciated. But since the forbearance period ended, nothing but problems! I did everything right, everything they asked, paid down my mortgage even during the forbearance period, took a deferral and made no troubles. 

When my payments started up again, I set up automatic payments with my bill pay so that everything would always be on time. 

My first payment in XX/XX/2021 was applied to escrow and not to my monthly payment! I started getting notices for late payments, spent hours on the phone with them and finally got assurance that they would fix the way the payment had been applied. 

This happened again the next month, again many tedious and long phone calls and messages through the website. Sometimes I would speak to a nice and helpful staff member but usually it was a very rude staff member accusing me of not paying or blaming me for the problem. 

I had been paying this lender the same way from the same account every month for many years. There was no change, but they kept saying my payment didn't come, and then for XXXX months in a row they kept applying it to escrow or to something other than my monthly payment and I would have to go through the whole thing again! 

I had to go through the whole process AGAIN last week and when I asked the very rude staff member how we could make this stop, she said, " I really don't know. '' No apologies, no assurances about my credit score.

Yesterday I received a bill from Specialized. It had been updated to reflect my payments being applied properly but it included a XXXX dollars in late charges and penalities!!! 

Today I checked my credit score and it dropped XXXX points. I am just sitting here crying. I am trying refinance other debt and now my application will be rejected. 

I did everything right with this company. I did everything they asked and I didn't even try to modify after the forbearance, I just deferred the past due and paid on time every month. I kept in contact every time THEY screwed up, and I worked to fix the issue and be on the same page. 

Their response was to treat me rudely on the phone, to suggest that I was lying about my payments, never to apologize when they corrected the mistake, never to offer to fix the problem for good, and then to CHARGE ME FOR THEIR MISTAKE! 

And now they have destroyed my credit. 

I am a single mom trying to hold on to my house and feed my kids after this XXXX nightmare. I've spent hours and hours on the phone trying to fix their mistake. And it's still not fixed and I am still suffering the huge consequences for their mistakes. 

This is unfair and wrong.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
old address wrong last name on my credit personal informations

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