BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters out over 30 days ago certified mail, I have not been notified, as a regular human being I feel like these clowns are taking advantage of normal people like myself

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 2021-04-28
Company: Experian Information Solutions Inc.
State: AZ
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 contacted the credit reporting agencies multiple times and requested a dispute I've also submitted dispute on their online portals and each time they take upwards of 30 or more days and then make no change to the report when in fact during that time creditors have indeed sent updates and the statements have in fact updated the credit reporting agencies however continue to not report the correct 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 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
First of all I am a veteran so I cant get payday loans.  Look me up.  Also I have provided the police report number, told them to retrieve since they are the ones whom did this to me.  Also where is my actual signature.  Electronic signature I  would never do that for a loan.2nd this person was awfully rude.  Unbelievably rude.   That is not my bank if you must know.  I go to a well known bank which I won't be giving any information because I still do not know whom this company is.Because I do not know whom you are.  The number you gave me was out of state.  Now you are being incredibly rude 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 explanation
Consumer complaint received 2023-06-22
Company: Nelnet, Inc.
State: MD
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:
Nelnet is reporting a fraudulent account to the credit bureaus. I have never taken out a loan with Nelnet however Nelnet is reporting that I took out a loan in 2012. I never took out any loans in 2012. Nelnet is also fraudulently reporting that I took out a loan of over XXXX XXXX. I've never taken out a loan of that amount. Nelnet is also fraudulently reporting that I am in XXXX XXXX. I have gathered evidence that would prove that Nelnet is reporting false information to the credit bureaus in an identity theft scheme. There is lawsuit to follow soon with Nelnet, XXXX, and others as defendants.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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 have been sending transunion letters information on the last few months regarding inconsistent information show on my report from metrics. Ive informed them countless times of my rights as a consumer. And that information per the fcra must report with a 100 % they in return indicated the account is updated but the report remains the same. In the event that information is not corrected this agency has a duty to delete my account. Please assist me with this matter. Below Ive included copies off certified receipts and letters

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 2023-02-08
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I been repairing my credit and saw an open collections from Southwest Credit Systems for {$370.00}. Went to XXXX and saw that this creditor isnt regulated in the state of XXXX. Cease-and-desist immediately this should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Experian Information Solutions Inc.
State: AZ
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:
Credit card account from XXXX has multiple charges that are not mine and were unauthorized. Charges were made by ex-spouse XXXX XXXX SSN XXXX. Ex-spouse was in XXXX and I was in the United States while these charges were made. I have tried multiple times to explain this XXXX and to come to an understanding to resolve the issue. A resolution has not been met. XXXX has reported this account as a charge off and continues to report negative derogatory every month for the past year damaging my credit score. I do not wish to establish any credit card account with XXXX.   Please see attachment regarding unsigned authorization to re-establish the account on my credit file.

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 2020-10-15
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XX/XX/XXXX and XX/XX/XXXX for code of ethics violations.

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 2020-11-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ridiculous that in the midst of the coronavirus pandemic Wells Fargo limits the number of online transactions/payments that you can make on the Wells Fargo website. I tried to make a payment to my Wells Fargo credit card account and got an error message stating that I've " exceeded the number of online payments for the month. '' I subsequently called to attempt to make a phone payment and was disconnected. I will go into the branch to make the payment which I would prefer not to do because coronavirus cases are surging in my geographic area. 

It should be noted that my payment is not late. I am trying to make an extra payment so that I can pay off the balance in full within the next few months. 

Wells Fargo is the only credit card company that I'm aware of that limits the number of online payments.

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 2020-10-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : Navy Federal Credit Union is reporting an alleged account with the balance of {$4700.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Regions Bank Corporate Office XXXX XXXX XXXX XXXX, Alabama XXXX My father died in XX/XX/XXXX. He had purchased CDs from Regions Bank in XX/XX/XXXX totaling {$40000.00}. Regions name was XXXX XXXX XXXX at that time. Regions says that they have no record of these CDs. In XX/XX/XXXX, I wrote the Alabama State Banking Dept and Regions told them that they dont keep records on inactive accounts for more than 5 years. I then received a call from a Regions employee telling me that they dont have that money and not to contact them again about it. 
They say that they dont keep records past five years but dad also had an inactive checking account that was opened in XX/XX/XXXX and they had record of that account .so they do keep records.

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 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
The accounts listed are fraudulent someone stole my photo id and social security number and open fraudulent accounts in my name i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRas. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-12-07
Company: CAVALRY INVESTMENTS, 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: Information belongs to someone else

Complaint:
On XX/XX/2020, CAVALRY PORTFOLIO SERV add a derogatory marks on my credit report per XXXX, XXXX  and XXXX. Original creditors : XXXX and XXXX XXXX. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there were no written form of communication, contract or signature for those accounts debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAVALRY PORTFOLIO SERV has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sent a validation letter to this company to resolve this matter as this attempt to collect a fraudulent debt is inaccurate and false, i also sent an oppurtunity to cure letter with a invoice for violation of 15USC 1692b ( 5 ) and 15 USC 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Nelnet, 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:
Thank you CFPB for your time and help in this matter. 

I'm here to report that Nelnet is in violation of the laws of the FCRA. 

They are report inaccuracies into late payments to the credit bureaus. 

Also these accounts was transfered and closed but reported multiple late payments after the fact. 

These are 8 different violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: AZ
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 contacted the credit reporting agencies multiple times and requested a dispute I've also submitted dispute on their online portals and each time they take upwards of 30 or more days and then make no change to the report when in fact during that time creditors have indeed sent updates and the statements have in fact updated the credit reporting agencies however continue to not report the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 contacted the credit reporting agencies multiple times and requested a dispute I've also submitted dispute on their online portals and each time they take upwards of 30 or more days and then make no change to the report when in fact during that time creditors have indeed sent updates and the statements have in fact updated the credit reporting agencies however continue to not report the correct 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 2020-09-01
Company: SN SERVICING CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is in regards to the unprofessional conduct that I received from SN Servicing by XXXX XXXX the account manager handling my account. I have spoken to her on several occasions about my account and each time she has been rude, argumentative, evasive, and refuse to provide me with information regarding my account ( encounter dates XX/XX/2020, XXXX and XX/XX/2020 ). Her unprofessional conduct towards me has been a barrier to me getting pertinent information on my loan ( i.e. mortgage payment information, property tax information, overpayment of property tax info., and property tax refund info. and a new escrow analysis ). Each time I have tried to talk to her about my mortgage payment, and property taxes she has refused to allow me to speak. She has rudely over-talked me, interrupted me and have hung the phone up on me or put me on hold while I am speaking without returning to the phone. I also emailed Ms. XXXX regarding my concerns on XX/XX/2020, after I was given her email address by her supervisor, MsXXXX XXXX. When I asked Ms. XXXX today ( XXXX ) why she did not respond to my email sent to her on XXXX, she lied and said she did not receive the email even though she noted on XX/XX/XXXX in my account that she had received the email. I have spoken to her supervisor XXXX XXXX on each occasion that Ms. XXXX was rude and unprofessional to me, and I was assured each time by Ms. XXXX that Ms. XXXX behavior would improve, and that I needed to talk to Ms. XXXX directly because she is the person handling my loan. On today, XXXX I spoke with Ms. XXXX again in an attempt to get an update on my mortgage payments and property tax payments and she refused to allow me to complete my questions, and again she was extremely rude and cut me off by putting me on hold while I was speaking. While she kept me on hold for about 10 minutes I contacted SN Servicing on another line to report her conduct and I was able to speak to the supervisor XXXX XXXX, about the matter. Ms. XXXX response to my complaint was that she was not on the call so she does not know what happened and told me to write a complaint to the legal department. I would like to be able to get professional, appropriate, and timely responses from SN Servicing in regards to my loan. I would like a new escrow analysis, and an accounting of the funds that were paid for property taxes as well as to have SN Servicing request the refund that is due from the District of Columbia resulting from an over-payment of taxes. However, to date I have been barred from getting timely pertinent information about my loan and these actions by SN servicing is threatening to drive my loan into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: OH
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:
On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2020 I sent a request to receive my free annual consumer report and as of XX/XX/2020 I have yet to receive any consumer report from any of the three bureaus.

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