vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023, I sent 2 letters to XXXX XXXX about an alleged debt- ( see uploaded documents ) requesting a validation of the alleged debt. You see, I checked my credit report and found some damaging information on my credit caused by this company. I quickly wrote letters to the CEO, XXXX XXXX. Now, I checked my credit report, yesterday and found that the alleged debt was validated. How come I only found out about it by looking at my credit report? As you can see, I want the debt validated using your consumer laws. Nothing else will do. Since XXXX XXXX can not prove to me the alleged debt, I want it removed from the credit report. I also never gave them written permission to put this damaging information on my credit report, and they have therefore committed aggravated identity theft under 15 USC 1681 b ( 2 ). Since they cant validate the debt to me, I think they should validate the debt to you. All I know is I am suffering mentally and emotionally and the sad part about it, I cant afford to pay for mental health services. Thanks you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/, I sent 2 letters to XXXX XXXX about an alleged debt- ( see uploaded documents ) requesting a validation of the alleged debt. You see, I checked my credit report and found some damaging information on my credit caused by this company. I quickly wrote letters to the CEO, XXXX XXXX. Now, I checked my credit report, yesterday and found that the alleged debt was validated. How come I only found out about it by looking at my credit report? As you can see, I want the debt validated using your consumer laws. Nothing else will do. Since XXXX XXXX can not prove to me the alleged debt, I want it removed from the credit report. I also never gave them written permission to put this damaging information on my credit report, and they have therefore committed aggravated identity theft under 15 USC 1681 b ( 2 ). Since they cant validate the debt to me, I think they should validate the debt to you. All I know is I am suffering mentally and emotionally and the sad part about it, I cant afford to pay for mental health services. Thanks you for your time and attention to this matter.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/, XX/XX/, and XX/XX/. The payment status reflects 30 days late with XXXX and Transunion when the account is paid in full. It reflects current with XXXX. The dates of last payment are wrong - XXXX reports XX/XX/, XXXX and Transunion report XX/XX/. Transunion and experian report XXXX as 30 days late, but current with XXXX. XXXX reports XXXX as 20 days late, but current with equifax. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/, XX/XX/, and XX/XX/. Nothing has been fixed. Transunion reports XXXX as 30 days late, but other XXXX bureaus havbe current. XXXX reports XXXX as 30 days late, but current with other 2 bureaus. XXXX reports XXXX as 30 days late, but current with other two bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late 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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/23, XX/XX/23, and XX/XX/23. The payment status reflects 30 days late with XXXX and XXXX when the account is paid in full. It reflects current with Equifax. The dates of last payment are wrong - Equifax reports XX/XX/23, XXXX and XXXX report XX/XX/23. XXXX and XXXX  report XXXX as 30 days late, but current with Equifax. Equifax reports XXXX as 20 days late, but current with equifax. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/23, XX/XX/23, and XX/XX/23. Nothing has been fixed. XXXX reports XXXX as 30 days late, but other two bureaus havbe current. XXXX reports XXXX as 30 days late, but current with other 2 bureaus. Equifax reports XXXX as 30 days late, but current with other two bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I fervently urge you to swiftly eliminate the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I made a payment on XX/XX/23 of {$7900.00} that was supposed to satisfy my outstanding interest but it was never properly applied. When I discovered the error I was told I could request a reimbursement and have the payment re-applied correctly which I did and it was still applied incorrectly. I requested a 2nd reimbursement and again the same issue occurred. 

My next payment of {$5000.00} on XX/XX/23 was also not properly allocated. This has been the pattern for all my payments since the first payment. 

I make extra payments towards my loans with the goal of paying them off but it has been a struggle dealing with my student loan servicer MOHELA. They have made errors in allocating my payments when I have sent instructions. For example, they have erroneously put money towards the principal instead of the interest and vice versa or applied money towards loans I didn't specify when I have been trying to target specific loans. Their payoff calculator was also not working for an extended period of time, forcing me to call in order to payoff a loan. I was unable to get in touch with a representative and had to wait over the weekend as interest accrued before waiting excessively long on the phone in order to pay it off. This is poor customer service and affecting my ability to properly plan my debt repayment. They have also provided inaccurate due dates on their site and given me inaccurate information over the phone. 

For at least 3 months I have been trying to resolve the same issue with my student loan servicer MOHELA. I have sent messages and called at least 10 times and I am spending on average 1-2 hours per call. Even as I'm writing this letter I was speaking with a representative that put me on hold for at least 30 minutes and then transferred me to a supervisor I was never able to speak to as my call was dropped after waiting for an hour. 

On XX/XX/XXXX  I provided MOHELA with a detailed table showcasing how my payments should have been applied and they have yet to accurately apply my payments. I am making additional payments in order to pay off my loans and these constant errors have prevented me from making additional payments for fear of misallocation. I am also concerned that my credit report will be negatively impacted as my balances are in constant flux. 

I believe MOHELA has had enough time to fix this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I changed my name in XX/XX/XXXXXXXX  due to my getting married, an act which is absolutely a boon to the XXXX XXXXXXXX XXXX and a utility to the US economy as a whole. On XX/XX/XXXXXXXX  I received a letter in the mail from Chase dated XX/XX/XXXX that had no discernable authentication, no letterhead or signature from leadership and read as if it were a scare tactic/fraud piece from some entity trying to steal my identity. It contained just half of a W-9 form printed form the IRS website with the letter commanding me to put ALL my personal account numbers on the form as well as my newly validated SS number to then put in the physical mail addressed to a po box I could not verify as one of Chase 's. 

I received no email from Chase and no alert on Chase 's app about my account " needing attention ''. I even went into a local branch on XX/XX/XXXXXXXX  to change my name on my account. Why was I not alerted then that my account needed this kind of sensitive information verified? The letter reads like a poor attempt at identity theft and makes threats of IRS and Chase penalties with no substantiation or reasoning of said penalties. The stringent due date was marked XX/XX/XXXXXXXX  which obviously I could not honor since it was sent through the post office at a time when it couldn't possibly have made it to me in time for me to both verify authenticity and send a timely response. 

It is inexcusable the language that Chase uses in this letter. It is threatening and misleading. As a consumer, I have a right to timely communications about my account- especially if it means action from the IRS .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: GA

Complaint narrative:
XXXX has purchased an account that Ive already resolved in an attempt to collect. Selling of accounts isnt legal. Additionally, Ive advised this company of such and was told Id be removed from their call list. Im now receiving automated messages. My credit is excellent standing, this shouldnt be legal and companies continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect
State: GA

Complaint narrative:
A year or two ago Americollect inc began leaving messages on our answering machine requesting payment of an old bill.. I could not recall anything. The calls went unanswered. I had not ever talked to them. Because I continued to get messages, which included threats from a robocall and frequent dings to my credit rating I made inquiries to the original creditor as given from XXXX or other agency. A copy of the report listed an unpaid balance of about XXXX dollars from the year XXXX  from XXXX XXXX. As I am 100 percent sure that no bill was generated by me in XXXX. I continued to press for relevant information. At first only from XXXX XXXX in XXXX. The first call they could find nothing. After waiting about a week I called back and they were able to provide me with a generation date of XX/XX/XXXX for the amount that Americollect is claiming. But the date Americollect is giving to the reporting agencies is XX/XX/XXXXXXXX   with no specific day. This was from XXXX As I continued to get dings on my credit rating Taking it from well over XXXX to below XXXX I then started to make attempts to get firm and honest dates. On my first call to XXXX XXXX they could not find any information. On the second attempt for information I was given the XX/XX/XXXXXXXX  date as the generating date. They told me they would provide me copies of the original bill. That was over a month ago but nothing has shown up thus far. Because I am now facing a separation with my wife and she took the car owned by both of us I called XXXX XXXX to inquire about a smaller personal loan for a car. My request for preapproval was denied. By the information they gave me the denial was caused by that reported default.. A couple of weeks ago I made a validation request to them by mail to Americollect in XXXX, WI My request thus far has remained answered. I called Americollect today and XXXX XXXX  a bill generation date in XXXX. That information is false and I believe Americollect knows this as well and adjusted that date to provide a reason to harrass me and harm my credit rating illegally. Or what should be illegal misrepresentation of facts.. There should be other supporting documentation coming shortly as well showing the creating entity of the bill and the correct date I will supply them on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802. I was never given the opportunity to opt-out before anything was reported, which is a violation of my rights.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I have a police report. I have been dealing with this for years now. I am homeless because of this information. Someone acquired my information during the pandemic due to the XXXX data breech. They opened accounts in my name, used my social security number, opened bank accounts, lived in apartments. I was working as a XXXX  during covid. Then I caught XXXX  due to XXXX XXXX and nearly died. I had a long rehab period. I have long XXXX. I cant get the tenant screenings through TransUnion and XXXX to fix the eviction information even though a police report states it is inaccurate. They will not fix my credit reports. The investigation consists of them asking these companies and they declare it accurate and that is the end of it. The companies who gave credit to the theives dont have to prove anything. It is ridiculous that as a 30 year XXXX XXXX I am homeless. Now I lost my job due to being homeless. 

My application tracking number is 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 2023-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I have had NelNet as a student loan service provider for 23 years now. 20 of those years I have had consolidated loans and every year I send in my payment plan renewal for the Income driven repayment plans. EVERY YEAR not just once or twice but for the last 20 years when submitting my forms they email me and make me resubmit them twice or even three times saying they never got them.. When my spouse and I divorced 10 years ago it became a bigger nightmare to fight with them because then I had to find him and have him sign his information which I have to submit every year twice or three times. If I call them I get the run around oh we didn't receive this or that or you have to resubmit this it takes them 6 months got get my payment plan in place and THEN several years I found out they only put it into forbearance the didn't actually apply my payment plan. This year I have had enough. I submitted my IDR request paper work TWICE once in XXXX when they sent my requalification and again in XXXX. I have sent in paycheck stubs twice and my ex husbands co maker stuff twice and NOW they are calling me because I owe them XXXX come XXXX. I have submitted everything to them per request. I have emailed their help desk to which I get a response we don't have documentation and I resend the same documentation I have sent before I save it as proof of when I sent it in. 23 years ..... I am tired of the run around, I am working I submit the paper work for my IDR plans and THEY can't do their job. I don't know if I am the only one but its a joke and something needs done!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: GA

Complaint narrative:
Im wanting these inquiries to be deleted because i did not authorize these companies to run your credit this is fraudulent.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
I had my loans switched over from Fedloan to Mohela since the payments were reinstated I signed up right away for autopay. The autopay says it was confirmed on their site however the payment for XXXX said it was processed then a week later got an email that it failed. So I tried to manually pay it and it said it was processing then again a week later I get another email the payment failed. Completely ridiculous now I have to waste my time on hold for hours to fix something that is clearly their issue because I have seen multiple people complaining of the same issue. Never had one problem with Fedloan when they had my loan why would they switch it to a company that can not handle this volume of people and process simple payments. Then they think they are going to charge fees and interest on top of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation