BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-24
Company: Nelnet, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My issue is with the XXXX  Credit Reporting Agency. 

I am able to have a cursory glance of my credit file ( FOR FREE ) any time whenever and however many times I want ... keyword being cursory with XXXX   and XXXX  as long as I can remember. However, XXXX  requires we give out our detailed confidential information to one of their outsourced customer service reps and THEN ( if they understand you correctly ), they'll search for the item in question ... again ... assuming they understood who or what you're talking about.

Not only is this superfluous, but a COMPLETE waste of time!! I could have seen whatever there was ( cursory-wise ) and filed a dispute if I needed to..like both XXXX  and XXXX  allow. XXXX does not allow a consumer to view their file to verify information filed on their credit report ; to have this 'option ' as one of their customer service reps stated, I would either have to BUY one of two monthly memberships, one for XXXX or $ XXXX {$29.00} ( something to that effect. ) I should be able to see if there is a discrepancy in my credit file without having to ask some complete STRANGER to tell me if they see something or to have to buy a membership to view items filed on my credit report ... this is ridiculous!!

Not only is there too much margin here for error, but you could also be the lucky recipient of someone with an attitude ... or better yet, the consumer has gotten an attitude after being transferred multiple times or is in automation XXXX going from one department to the next trying to get information on their file.

Also, while I am at it ... I have multiple student loans all being handled via Nelnet reflecting as multiple accounts on my file. Is that effing necessary to have it reflect as so?!? Why can't it be reported as 1 combined student loan for Unsub loans and 1 combined loan for Sub loans? I am about to go into my XXXXXXXX  program and I will be using even more loans in the process, and as such, even more accounts reflecting in my credit file ; I feel the number of accounts impacts my FICO score negatively. I feel as though the system is rigged to keep people from qualifying for a decent home unless they're earning 6-figures.

All I am trying to do is find a decent and SAFE home to live where I can move my mother ( who lives alone in god-forsaken XXXX Texas ) in with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Rent Recovery Solutions
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:
We paid Rent Recovery Solutions {$3900.00} on XX/XX/2021. The representative informed us the debt would be removed from our credit report. The debt is still showing on our credit report. We contacted Rent Recovery Solutions a second time, the representative from the company now informed us, that the credit bureau would have to remove the debt from our credit report. 

We are expressing Rent Recovery Solutions used deceptive, and unfair business practices by initially informing us the debt would be remove from our credit report in order to secure the debt funds of {$3900.00}. We are explaining Rent Recovery Solutions enticed us to pay the debt in full, by explaining the debt would be removed from our credit report. Please investigate this company. There are probably other consumers that have incurred deceptive practices from this company. 

We want Rent Recovery Solutions removed immediately from our credit report. Please asked the company to let your department hear the company recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Experian Information Solutions Inc.
State: NY
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:
ACCOUNTS ON MY CREDIT REPORT ARE NOT VERIFIED AND UNAUTHORIZED.

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 2023-09-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I received a call with my back number and the man stated that my account was being hacked gave me made up and real purchases to verify the account he then told me to send a code to verify my account. The man stated that someone sent money through XXXX to a XXXX XXXX and asked me if I knew the person I told him I didnt and then my son text me asking why I XXXX him XXXX dollars at that time the person on the phone told me that that he had froze my account and it was safe to tell my son to XXXX it back to my account. I asked for a supervisor because I was feel uncomfortable and he just said you have been talking to me this long and you have been a member since XXXX does that help and at that time I disconnected the call and immediately called the bank telling them of the situation and was then put on hold for 45 minutes before I spoke to the fraud department. I filed a claim had to close that account and open a new account. The bank said they would investigate and I would receive a letter ( which I never did ) with results. Filed a police report with XXXX Florida police department and called the bank to report the police report #. Called XX/XX/XXXX to check on the claim because I did not receive information or the money back. I was told the investigation was closed and that I would not receive my money back because it was an authorized XXXX. I was also notified I was not able to file an appeal and there was nothing I could do any further. My son kept the money in his account until my checking account was secured and then he sent it back to my account. The phone call was at XXXXXXXX XXXX and the emails were not seen until I did an investigation after the call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I DO NOT OWE MIDLAND CREDIT MANAGEMENT. I HAVE RECIEVED ANY PAPERWORK OF A COURT ORDER PRORPERLY SERVED TO ME. I HAVE NO KNOWLEDGE OF ANY ACCOUNT WITH MIDLAND CREDIT MANAGEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: MN
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 previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-05
Company: EQUIFAX, INC.
State: WI
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: United Collection Bureau, Inc.
State: IL
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:
In XXXX, I received XXXX letters from United Collection Bureau ( both attached ). XXXX states it was for XXXX XXXX XXXX account ending in XXXX for {$710.00} owned by XXXX XXXX. The other states it was for XXXX XXXX XXXX XXXX XXXX account ending in XXXX for {$1000.00} owned by XXXX XXXX. I did not recognize either one. Both letters state they will accept disputes and requests for more information in writing ( either by mail or the link provided in the letter ) by XXXX and XX/XX/XXXX respectively. On XXXX, I went to www.requests.ucbinc.com and disputed the debts and requested more information using the form provided. UCB failed to respond to the requests and instead reported the collection for account ending in XXXX for {$710.00}, which was added to my report on XX/XX/XXXX. I immediately called UCB to inquire about why my request for validation/dispute was ignored and was told to contact XXXX. I contacted XXXX using their website form and got the attached email that I would receive a response from the appropriate department. No response. On XXXX and XX/XX/XXXX, they proceeded to also add a collection for account ending in XXXX for {$1000.00} to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Information belongs to someone else

Complaint:
There are two accounts on my credit report I did not open. XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. Also, there are 3 accounts that are passed the statutes of limitations since the account was originally first reported on my report. These accounts have been well passed 7 years of reporting on my report. 

These accounts should have already been removed or deleted from my credit profile. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. All 3 accounts should be removed immediately. These hard inquiries I did not make, nor did I authorize for 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  I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent. 

My credit report also has in accurate reporting. All information reported should match up on all 3 bureaus the exact same way. A lot of the dates are different on each bureau, the amounts of balance owed is completely different on all XXXX bureaus. 
There are many errors throughout my credit report. Please check for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage due to covid19 and a household members XXXX diagnosis the same time covi19 started. I got approved for financial help from my county/state for mortgage assistance. The department of human services of XXXX XXXX New Jersey sent a fax of a purchase order that needed to be signed in order for them to release a check. This was sent on XXXX XXXX. My mortgage company has told me 5 different times already that they can see the document that needs to be signed, and will escalate it to the appropriate department. Everytime I call I get the same answer. It is like I am getting a runaround each time with no solution. I already have received some letters from the mortgage company about a foreclosure process. If they would have signed the paper and sent it back to my department of human services, I wouldn't be in this position. I called on XX/XX/2022, again XX/XX/2022, again XX/XX/2022, again XX/XX/2022, again XXXX, XXXX. All these conversations are recorded and saved in their notes, because evertime I call they can see everthing that was discussed. I talked to XXXX, XXXX, XXXX, XXXX, XXXX. I don't know why this is happening. I got your information from my department of human services.

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 2023-12-12
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called Truist Bank 3 times and was repeatedly hung up by a female ( same one 2x ) and a male 1 x. 

I explained i was having a financial hardship and I needed an extension. The first time the female hung up on me when i called back she hung up again. When i called again i got a male voice who took my information I explained the issue I was having and that the female hung up on me. At that point he said I'm going to put you on a 2-3 min hold and then he hung up. I could hear laughing in the background. 

the 4th time I called back I asked to speak to the manager. I got a woman name XXXX who said that they would do an investigation. I still did not get the extension even though I explain we were going through a financial hardship and there was a loss of income in my family. 

The bank showed they didn't care and were not willing to help or work with me and just repeatedly hung up. Im trying to avoid a repo. and I was just 37 days past due. 

It was the worst display of customer service I have ever experienced by a bank. If they are not willing to help their customers. I will find another bank who is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been dealing with this company for years and they have yet to accurately verify this account that does not belong to me. I have two open credit cards with the company they claim I have a collection with that were both opened after the alleged collection took place. Surely if this was my account the bank wouldnt have overlooked that twice! 
PORTFOLIO RECOVERY must herein provide to me a True and Certified Original copy of the Complete audit trail under penalties of Perjury of alleged account with their company, pursuant to 15 USC 1692.g of FDCPA. Furthermore, in order for PORTFOLIO RECOVERY to validate the debt please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with BASEL 3 accord and U.N.C.I.T.R.A.L. conventions. I would also need a certified copy of the original contract with my wet ink signature between me and PORTFOLIO RECOVERY, proving that PORTFOLIO RECOVERY is holder in due course of the original debt contract as well as certified original copy of your Tax Registration Certificate. If they can not provide this information I demand that they remove/delete negative account from ALL three credit bureaus as well as stop with any further harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I never paid my payments 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 explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant XXXX XXXX XXXX XXXX by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2021-12-29
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

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 2022-03-03
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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