BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: NJ
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:
While investigating if I was eligible for a loan discharge on a XXXX private loan, I noticed the school listed as my college was not a school I attended. I requested a copy of the promissory note and once received, it was obvious the loan is fraudulent. The signature for myself and my co-applicant are blatantly forged. Basic, easily verifiable information was wrong, and overall the document wasn't even filled out in its entirety. No copy of ID, no record of an ID for the co-signer was even recorded. I alerted XXXX right away, and supplied all requested documentation in a timely way. This inlcluded an affidavit, identity theft report, replaced drivers license from the same time the loan was applied for, social security card, signed lease from 6 months after the identity theft, and a statement regarding the loan. The first issue was the amount of time taken to investigate, then they requested the same document which was already provided multiple times. 

They continue to harass both myself and my co-signer. They found " no identity theft '' even though the paperwork very clearly confirms my claim. At this point, the credit reporting agencies have removed the loan from my reports but XXXX continues to add interest to the account and call incessantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Norman & Associates, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Norman and Associates, a debt collection agency out of XXXX, GA, on behalf of XXXX XXXX XXXX, has sent a collection notice threatening to collect on a debt that is not applicable. The current balance of the alleged debt is {$1300.00}. At the time of the letter, they asserted that they would litigate against me and that they will enlist the services of a local attorney with the recommendation that a lawsuit be filed immediately. 

They have never attempted to verify the debt, only sent letters threatening to sue in the event that I did not pay a debt that I do not owe, per the records attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: PNC Bank N.A.
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: Their investigation did not fix an error on your report

Complaint:
I opened a Secure Credit card with PNC for {$300.00}. they never sent me a bill and I never got the card but they charged kept charging me a membership fee and reported late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SunTrust bought my mortgage from XXXX Mortgage and the provided no information about the new mortgage ( mortgage number, payment options ). Their first communication to me was to tell me my payment was late and they were unable to offer ability to pay the mortgage online. Their customer service had long wait times and could not take a loan payment over the phone.

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: EQUIFAX, 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: Personal information incorrect

Complaint:
The Following addresses on my report are incorrect and should be updated to my current address. 

My current address is XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Any other addresses should be deleted and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
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:
please remove fraudulent accounts XXXX XXXX opened XX/XX/2018 XX/XX/2018

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 2020-05-16
Company: Experian Information Solutions Inc.
State: MS
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:
On several occasions, I have, to no avail, been disputing erroneous tradelines that have been reported to my Experian Credit Report. Once the credit reporting agency responded stating that the erroneous tradelines where verified by the furnishers as belonging to me and accurate, I requested from the credit reporting agency a description of the method that they used to verify the erroneous information. The credit reporting agency has failed to provide that information to me within the allotted time frame but is still reporting the erroneous information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Nelnet, Inc.
State: SC
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:
My name is XXXX XXXX XXXX. I am permanently XXXX. I am currently receiving XXXX. Before I became XXXX, my loan was set to autopay. I was never late, and I never missed a payment. According to the payment agreement with Nelnet, if one set their payment to autopay, Nelnet would reduce the interest rate to somewhere south of 6 %. My loan has been on auto debit during the entirety of my loan. Nelnet and Great Lakes used this difference in the interest rate to falsely report to the government the amount I paid to them during the time I was repaying my loan when in fact they were applying the funds I paid to future payments in order to keep me from paying on the principal. When the inquiry came from you guys previously, they reported to you all that my loan was being repaid at 6 %. 

Now that my loans have been transferred or are being transferred. Nelnet has transferred my loans at the discounted rate based on the auto debit rate leaving behind the difference in the interest rate each month. So despite the fact that I became XXXX on XX/XX/2020, and the letter says I am entitled to a refund of all payments made after that, Nelnet is now actively charging me the difference in the interest rate each month showing that for the first time in the over 15 years that I had been paying on my student loan despite serving in the XXXX XXXX in XXXX, Law Enforcement for 8 years, and as a state prosecutor all the while being told I did not qualify for the Public Service program, Nelnet is still using predatory tactics to not only cheat me, but to cheat the government as well. I am XXXX through social security. I am 90 % XXXX veteran. Sending Nelnet a letter to ask them about it is a little like sending a serial bank XXXX a letter asking him about a previous bank robbery. At what point is someone going to engage in a serious inquiry of a company where there is more than probable cause that they are engaged in wire fraud, mail fraud, conspiracy, and a host of other crimes. How many other people have to complain about these people. Currently my account with Nelnet looks like I am in arrears for the first time ever. I am hopeful that someone can actually assist me in this matter. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
According to Experian, XXXX, XXXX 's Credit Report REGARDING my FICO Score Factor, I have no credit card usage or payment history and this statement is attached to my credit report and FICO Score Factor. 

Please see the attached document regarding my credit card usage dispute with credit report statement. 

The statement in the FICO SCORE FACTOR ARE INCORRECT REGARDING MY CREDIT USAGE AND PAYMENT HISTORY. 

IM FEELING VERY DEPRESS AND SAD

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 2021-11-03
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Approx. 2 years ago give or take. Opened PayPal Account. have been trying ever since to get my money back that was deposited. The amount deposited was {$980.00}. Have tried on several occasions to resolve with nothing happening. Every time I have called Paypal, get the same run around. They keep asking questions like old phone numbers, old email address and none of that information is no longer valid or accessible. have had to get new phone, new number, new email address, everything. Talked to them today, and same old run around. Basically was told Oh well, nothing we can do without old information. So its basically they get to keep my money which doesnt belong to them. I'm angry, frustrated and just want this resolved and I can get my funds returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Settled an account with XX/XX/XXXXcompany, and the account still said charged off instead of settled or paid off. They agreed during negotiations that it would be changed. But whenever I call and ask to speak to a supervisor, I have been put on hold forever, and I end up dropping the call. It's not right.

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 2021-03-25
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2021, I applied for an online checking account at PNC with a {$200.00} cash offer to open the checking account. After I filled out the information and submitted the application, I received a notice that my application for a checking account was denied. I received a notice that PNC would not open a checking account because of information from XXXX XXXXXX/XX/XXXX I attached the notice to this complaint. 

On XX/XX/2021, I contacted XXXX XXXX XXXX to find out what is going on. They wouldn't give me the information over the phone. They claimed that it would take several days to send me the report. I requested for the report. They emailed me a Deposit Score that I attached to this complaint. XXXX XXXX XX/XX/XXXX could not help me fix the problem. 

On XX/XX/2021, I called PNC Bank to find out if I could get someone to help me open the checking account or a least find out the reason my account was denied. However, everyone I talked to did not seem know what to do. They all sent me to different people and no one was able to help me. After talking to a few different people, I was sent to another department that was not able to help me and my call was ended. 

I do not understand why I was denied a checking account. I have not committed any fraudulent activity. I work for the U.S. Attorneys Office in the Department of Justice. I received an extensive background check for a security clearance. I would lose my job if I committed any kind of fraud. I have not over drafted any of my bank accounts. I have checking accounts with XXXX XX/XX/XXXX XXXX XXXX and XXXX XX/XX/XXXX. Applying for a checking account has never been an issue and this is the first time I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Selene Finance LP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We (my sister and I, Sister on-loan/not deed) were given a "Trial Modification Plan" (1st  Page/Booklet: 1) and made all of the payments (Book:1/P.1-4),except last payment due to several crises, death in the family and the government shutdown (Book:1/P. 5) and Selene Finance returned last payment (Book: 1/P. 6-7) after Selene associate said "send in the payment".Selene then sends "Reinstatement Quote" without crediting mortgage payments (Book: 1/P.8), then Selene next sends "Notice Of Intent ToForeclose" without crediting account for mortgage payments (Book: 2/P. 9).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** Bankruptcy 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 2017-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sometime in XX/XX/XXXX, I visited the XXXX XXXX store in XXXX Arizona. As I was paying for my {$24.00} store purchase with my debit card, the store representative said I could save some money by staring a XXXX card, so I agreed. I recall completing my purchase and being told the card would be sent to my home. What I was not aware of was that the XXXX store charge for {$24.00} that I thought was incurred on my debit card was actually incurred on my XXXX card, one that I had not even received. By early XX/XX/XXXX, I had relocated to XXXX XXXX due to my job and signed a lease for my permanent residence in XXXX XXXX ( see attached lease copy ). So I was not at my address to receive any notices XXXX sent, in addition, I never even received the XXXX XXXX card, and was not even aware of its existence. 
I became aware of the situation when I checked my credit report showing that XXXX XXXX is reporting me charged off. I immediately called XXXX who referred me to XXXX XXXX XXXX, with whom I paid the account in full. I have sent letters to XXXX XXXX and filed a complaint against them with the BBB ( complaint ID XXXX ) and XXXX XXXX responded saying " Unfortunately, we are unable to purchase XXXX XXXX XXXX XXXX Credit Card account from Portfolio Recovery Associates ( PRA ) because the balance has already been paid in full. We have forwarded his concerns to PRA and have requested PRA delete the trade line from XXXX XXXX XXXX credit bureau files. '' last XX/XX/XXXX. 
Portfolio Recovery is saying that they did not receive any instructions from XXXX XXXX with regards to deleting the account from my credit report. Last XX/XX/XXXX, XXXX XXXX, from the Office of the President of XXXX XXXX, emailed me saying, " I will be reaching back out to Portfolio Recovery Associates ( PRA ), with regard to the matter. Once I receive a response from PRA, I will mail a formal written response to you. ". Portfolio Recovery Associates still is reporting the account even though the original creditor admits that they 've made a mistake. XXXX XXXX even Deleted the account from their end as stated in their BBB response. Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this debt with XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Yesterday ( XX/XX/2019 ), I tried to log in to my Mr. Cooper online account to see a mortgage statement. The screen said that my account was locked and I should call customer service. After calling customer service they informed me that my account was under litigation and they could not tell me anything about it unless my lawyer contacted their litigation department. I asked for the contact information of the litigation department and they refused to provide it. They claimed they already provided it to my lawyer. I know this is false because I do not have a lawyer. They are locking me out of a healthy account that has never missed or been late on payments and giving me no way to unlock it. 

Note : I have a minor building violation ( related to permits that the previous owner did not obtain ) that I am working with the city of XXXX to resolve. I am current on mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: AR
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 the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX {$880.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX {$970.00} XXXX XXXXXXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Good Afternoon, I am reaching out for assistance as I have been attempting to work with Chase Bank in regards to a checking account that has been opened fraudulently in my maiden name ( XXXX XXXX XXXX ) and SSN. I reported this claim immediately once I had discovered that the account was showing in my online accounts on XX/XX/2018. Unfortunately this has been mishandled from the very beginning and I have been able to get very little information from XXXX in regards to the Identity Theft that had occurred resulting in the fraudulently opened an account. I am hoping that you will be able to offer assistance as I have missed work in attempts to resolve this and there seems to be very little progress. I recently received a letter stating I have 30 days to complete this claim but fear that I will be able to resolve the situation within this time frame as XXXX has not been able to tell me if they received the documents that I have sent as well as provided me incorrect instructions when I initially reported the matter. Any assistance that you can provide is greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
These are not my accounts and I want them deleted. 

XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Never paid late XXXX. XXXX XXXX XXXXXXXX Not my account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/1979

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 2020-12-05
Company: EQUIFAX, INC.
State: AL
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 reached out and wrote all three credit bureaus about the identity fraud that I was a victim to back in XX/XX/2019 with a company called XXXX in the amount of {$17000.00}. Also I was victimized again on XX/XX/XXXX with fraud with a company called XXXX in the amount of {$26000.00}. I wrote numerous letters and sent police reports to XX/XX/XXXX, Equifax, and XX/XX/XXXX with no response. These 2 accounts are not mine and needs to be off my credit report immediately. Thank You

Company response to consumer: Closed with explanation