BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have received calls from this number on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I do not have any outstanding debts and have requested the caller send me physical mail of their collection request. I have never received any mail from them. They call about once a month asking for sensitive information such as my SSN and mailing address. Their phone number also does not match the XXXX XXXXXXXX XXXX XXXX phone number. The phone number of the caller is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2019 it was XXXX off my Unempolment card. From atm in XXXX XXXX Texas. When I was in my bed in XXXX XXXX. I call the card. Company telling my card with me. Someone have duplicate Card and be use it In Texas at ATM. But I feel like know stealing my identity. How can I or yall can stop him this man. File taxes in my name. And everything, but the company send some paperwork I have to send to get my money back but is that a big crime because they stole money funds I get from the state huh.

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 2023-02-06
Company: Experian Information Solutions Inc.
State: IL
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX B of A called to say our card was compromised and would deny pmt to dating services. But still Ok to use card. XX/XX/XXXX I go to charge a airline ticket charge, but was denied approval. I used my sons credit card. XX/XX/XXXX I called B of A for new credit cards be sent to XXXX, Ne where we would be for a funeral. The agent wanted to know who died, if they had a B of A acct? She said she could help with probate and financial fees. I explained that I had no idea of my in-laws finances. XX/XX/XXXX the new cards arrived. XX/XX/XXXX I try to enter new credit card info into our monthly providers. After many attempts, I give up. Worried about our financial credit, Social Security checks being affected, I am frantic. I fly to XXXX after the services. Calling XXXX, the agent informs me that I am XXXX. After being on hold for 75 min waiting for the department that can remove the block, the agent gets back on the line to apologize and says it may take 2 days. Then I get disconnected. XXXX I receive a condolence letter from B of A regarding the death of my husband, XXXX. He is in XXXX helping his mother and not dead at all. I call B of A to find out I am not the primary account holder but he is. By XXXX, I can add my monthly providers with the cc number. XXXX I have a voice mail from B of A Estate dept.?? XXXX XXXX receives an apology letter. I believe Bank of America has unacceptable communication protocol between departments and the agent, who started all this, should be better trained/terminated. Two weeks of hours on the phone with B of A, and Internet hours trying to get our monthly providers paid without affecting our credit score, and wear and tear on my nerves should be reprimanded. Bank of America should be forced to provide an Efficient way of expediting their grievous company error instead of days and in this case weeks.

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 2021-03-17
Company: Netspend Corporation
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I bought a XXXX XXXX XXXX by Netspend from XXXX and loaded it with XXXX . I have been trying to activate my card for days but so far couldn't. 
First, I tried to activate it through their website with no success. On the activation page, you are asked to enter the card number and security number, and when you do that and press continue, nothing happens. The activation page only refreshes ; Then, I called them as I also needed customer support to activate. After several attempts, the automated response was saying that all lines are busy and then hung up!!! I tried several times but can not reach anyone. After that, I downloaded their app, and finally, their system recognized my card for activation. They asked for my name, address, and social security, which I reluctantly gave. After setting up the account, I was blocked again, and I was requested to scan a valid ID and send it to them!!!! 
This means revealing too much information about myself, and most importantly, this request was not written on the card 's packet when I bought it. 
Finally, I tried to solve the issue by calling customer service but again, no luck. It's just that nobody answers. 
Check the other reviews of Netspend on the internet, and you will find tons of complaints about this card. I should have researched them first!!

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 2023-06-15
Company: Amsher Collection Services, Inc.
State: FL
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:
15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION if this law because I am a victim of identify theft! Please deleted this IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: SECURITY FINANCE CORP
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Someone used my maiden last name and current phone number as a ( reference ) for a loan at Security Finance in XXXX Tennessee. Well evidently they defaulted on the loan because this company keeps calling me leaving messages and harassing me trying to locate the person who got the loan. I have told them over and over I don't know where he's at I don't have anything to do with him please quit calling they continued. I have been talked to in an inhuman way that was totally uncalled for just so I could be taken off of the list... what's so strange is that this person that calls me from this company is using my maiden name which I have not used in 42 years. I'm not sure he used me as a reference I think they're just looking for family members to try to locate this person. 
Unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Lake Area Collections, LLC
State: LA
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:
Lake Area Collection has placed an account in the amount of {$10.00} on my credit reports. When asked to validate the account they sent private medical data that was obtained without my consent. I have sent tried to dispute the information for violating my HIPPA rights and have received no response from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Santander consumer closed an account for a an auto loan and wrote it off on my credit report as a loss and is still submitting it to the credit bureaus which is in turn hurting my credit which I value and making it to where I am unable to get a mortgage for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is such a liar and so stupid that they told on themselves by including documents showing that I signed a 60 day notice stating that I was not re-newing my lease for XX/XX/XXXX. So why are they lying stating that I re-signed a lease I'm XX/XX/XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Pendleton Capital Management
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
YOUR COMPLAINT I have previously filed a complaint against this company approximately 2 months ago regarding a processing fee that I was not told about. The complaint was responded to by stating I would not have to pay this fee per transaction. This was true for about 2 payments. My payment as of XX/XX/XXXX was charged the fee again. When calling the company I was told they would have never made this statement to me about not charging the fee and I was told a manager would call me back. I called a second time hoping to speak with someone that would look into the file and once again a manager would call me back immediately. No one has called to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I recently received an Amex digital gift card from my employer. I attempted to use this card at multiple online vendors ( XXXX, XXXX, XXXX, etc. ) and all transactions failed, citing an issue with the payment method. I read that sometimes this is due to holds placed on the card for more than the balance, so I tried purchasing small items far below the balance on the card ( {$200.00} balance, ~ {$10.00} items ) ; all of these transactions failed as well. Given that the card is for online use only and I can't use it at any online retailer- when the card advertises support anywhere Amex is accepted - I believe that this outcome is not acceptable. 

In my attempts to speak with customer service, I spent considerable time on the phone being transferred between departments. I ultimately ended up on part of an FAQ section, where I was abruptly told something to the effect of " thank you for calling, goodbye '' by the automated system before being disconnected. This was quite frustrating given the amount of time spent attempting to solve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Consumer : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Notice Of Cease & Desist This is a warning notice to the alleged wrongdoer of such debt which youre a debt collector because you are simply attempting to collect multiple alleged debts. I noticed I've been violated pursuant to the FDCPA, there is evidence of the use of abusive, deceptive, and unfair debt collection practices. There is also evidence of aggravated identity theft, misleading representations & harassment. These practices resulted in the infringement of my intellectual property rights. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) I am invoking my specified remedies as a federally protected consumer. 

I am demanding all of the following : I refuse to pay this alleged debt. 
Stop illegal negative reporting activity to ALL consumer reporting agencies. 
Report positive monthly to ALL consumer reporting agencies Check of {$3000.00} for violations. 
XXXX XXXX ( not a billing statement ) Again, this is a notice pursuant to the FDCPA. Failure to honor the demands above and send proper validation of the alleged debt within 14 days of receipt of this notice, shall : Be taken as tacit agreement to the claims set forth, Grant the consumer all demanded remedies and Will result in litigation/ and or arbitration. 


( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf ; citing Police, XXXX at XXXX. ) Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} ( not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion.

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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I submitted a Consumer Protection Bureau dispute on XX/XX/XXXX under XXXX for XXXX  and XXXX for Transunion. On n=both disputes the findings were that both bureaus were going to update and delete the incorrect addresses off of my credit report. As of XX/XX/XXXX this still has not been completed. I need the following addresses deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion - XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2021-05-06
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX. XXXX, 2021, I received a check from XXXX XXXX 's service center in the amount of {$100.00} as refund. Their check no. XXXX was written on Comerica Bank. I took the check to the Comerica Bank branch located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2021 to cash it. I was asked if I had an account with their bank ; I said " no. '' I was told I would be charged a {$10.00} fee. I was told I could take it to my financial institution for cashing and I replied, " How do you know I have one? '' I was told all banks require this fee, even if the check is written on the institution presented the check for cashing. I asked do I receive a receipt for the fee paid? The teller said no. I agreed to pay the fee and received {$99.00} and asked for a business card. The card received had the following information : XXXX XXXX, Asst. Banking Center Manager, XXXX. 

How is it possibly legal and acceptable for this practice to occur?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
I Disputed several collection accounts that resulted in removal from my credit report on XX/XX/2021. They were from XXXX XXXX XXXX. They were removed and then added back on XX/XX/XXXX. This is a FCRA violation of re-aging. 
I also am not able to dispute certain addresses or added ssi numbers on my credit report that don't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet can not provide my past payment history from Great Lakes. They will not reply back to emails, they purposefully drop my phone calls, they do not know what the issue is or how to fix, I constantly get transferred to another agent who does not know. I was told I had to sign up for paperless in order to receive my past payment history with Great Lakes, which I did not want to do. When I did they said the payment history would be in my inbox, but it is not. They have not returned any communication at this point, do not know how to fix, etc. 

I am unable to proceed with PSLF which is my right as I can not find the payment history. I was making payments up until COVID and I am qualified, but I am unable to get the PSLF after working in the public sector since graduating college ( and still do to this day ). All while they are charging me interest, demanding payments when I do not even know how far along I am as I do not have access to my history ( great lakes site loops to Nelnet ). 

Unable to communicate with them in any degree or fashion. Do not have access to past payment history after the transfer. Site is telling me no history available, agents unable to find it. I am now unable to proceed with PSLF while I am still being charged, billed, interest, etc. yet can not get a simple report showing past payment history with Great Lakes. 

This is predatory, this is not what the Dept of Edu was promising when payments restarted, this is a mess and I am no closer to resolution, but you bet requests for payment and interest and harassing phone calls are still going like clock work!

Company response to consumer: Closed with explanation