BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Nelnet ( never attended XXXX  University XXXX unsub federal loan XX/XX/2017 {$6400.00} sub loan XX/XX/2017 {$3500.00} grant {$2600.00} I decided I was going to go back to school this year due to losing my job from COVID when I finished filing out my FAFSA I noticed my loan and grant total was exceptionally high. Looking further into it I noticed loans that I never took out. I called XXXX and they had information on file that was not mine. I have never lived in XXXX, West Virginia nor have I ever had that number. They instructed me to call NelNet for help resolving my Identity Theft case. NelNet was extremely rude. They told me I would received an email about what steps to take to resolve my issue. I have not received said email

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Bank of America Account # XXXX XXXX XXXX XXXX for {$37000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2022-07-20
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
An account holder at  XXXX , took funds illegally from my bank account ( TD bank ) on the following dates.    X/XX/17    for {$50.00}  X/X/17    for {$50.00}   XXXX     for {$50.00}  X/XX/17    for {$50.00}  X/XX/17    for {$50.00}   XXXX     for {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I dont owe this amount my lease was up and I didnt renew it due to all the issues I had while living here such as windows seal shut a fire of the boiler a leak that cause a big hole in the laundry room that was never fixed I moved out and do not owe this amount NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$3300.00} Original Amount {$3300.00} Original Creditor XXXX XXXX XXXX ( XXXX ) Past Due {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2022 I called Credit Karma to receive another refund they owe me. The 1st time I called the representative hung up on me. I called again & the Supervisor hung up on him when he saw that Credit Karma owes me {$76.00}. I received a credit on my account {$27.00} from XXXX which made my balance XXXX I spent {$2.00} which made my account XXXX The next day I received another XXXX for XXXX My account balance was XXXX Then I received unauthorized charges on my account for {$35.00}, {$7.00}, & {$19.00} which equals XXXX I was refunded XXXX They must have take the XXXX in my account for {$1.00}. 
Out of that balance {$64.00} I spent {$58.00} which left a balance of {$5.00}. So Im asking the Supervisor where is my XXXX He hung on me!!! Credit Karma needs to close there banking department.. They do not want to refund or listen to the consumer.. Theyre terrible!!!! I submitted my documents on how many times I called how long I stayed on the phone discussing my account just to get hung up on my a Supervisor. And I submitted my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX my prepaid debit card thru American Express Serve was used at an ATM that was unknown to me at the time. The amount of the debit was {$380.00} plus a {$3.00} fee charged by the ATM along with the {$2.00} fee surcharged by the card issuer. I noticed the debit the same day because I was going to use the funds to pay a bill, I call them right away. A dispute was opened after their normal inquiry specifically asking do I know who used the card and did I share my PIN and did I file a police report. I did not really know what to do at the time, they offered no guidance in terms of what to do to further protect myself such as closing the account, if I would have received advice or known a police report would be essential, I would have done so. The only thing I did was paid a bill with the remaining balance just to get the money out of the account and change of PIN. Whoever skimmed the card kept trying to make withdrawals with each decline transacton resulting in {$.00} in charges. Two charges of {$.00} on XX/XX/XXXX. Three charges of {$.00} on XX/XX/ and two more charges of {$.00} on XX/XX/. I called them again to find out what to do, again no guidance, not even a recommendation to report the card lost/stolen so the fees would stop. I had to initiate that for an extra charge of {$5.00}. Card issuer never addressed the subsequent fees. The 1st dispute was declined with no reason except they found the transaction to be authorized. I reopened the dispute on XX/XX/2019. Went thru the process, made sure I stayed in contact as well as provided a detailed letter requesting favor in the amount of {$390.00} which is the total. On XX/XX/XXXX the dispute was declined again as card issuer indicates again they have evidence to show it was me that made the transaction in which it was not. I called the fraud department again and apparently a dispute can only be done twice. That's it, that's all. They do not volunteer specific reasons, I've had to request the information in which I am still awaiting the 'evidence '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My wife and I hold a checking / investment account with Merrill Lynch. As part of their regulation process they are required to verify some details with account holders. Since I log in regularly it was fairly automatic for me. Since my wife does not they claim to have emailed her to ask her to update her account twice. We have not record of this email and Merrill refuses to provide evidence of it to us.

As a result Merrill proceeded to lock our account with no warning to myself, the other account holder, and no written communication ( such as a letter ), attempt to call in person, or text. This caused us to miss several bills that were paid out of that account, incur late fees and potentially may impact our credit.

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 2019-03-14
Company: Pendrick Capital Partners Holding, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX contacted me in XXXX concerning a debt they claimed I owed for a trip to the ER in XXXX 2016. This was the second collection company to contact me concerning this supposed debt. As with the first company, I submitted the documents showing I had taken out a loan through XXXX XXXX to pay the remainder of this bill off as I had been paying it down. This was the result of an accident, however, the Doctors continued harassing me about the fee so I went ahead and paid it before the settlement. 

The matter seemed to be resolved and I heard nothing else. I asked that I be given written proof that the matter was closed, but as with the previous collector, they just disappeared. Now, I am receiving daily calls concerning this. One day I tell them what happened and they say sorry, and hang up. Today, someone named XXXX informed me I was going to pay and nothing I sent proved it had been paid. The name, the account number all match, so she then told me they have been sending me letters I have been ignoring. I have received one letter, which I responded to, other wise they would not have the documents I faxed to them they claim don't match. When I mentioned they were the second collector to try and collect this she informed me they were the third. I have not heard from any but the first and now XXXX, however, her statement seems to prove my assertion that this is a bogus claim. Why would multiple collectors drop this matter if it was real? 

To simplify matters I then asked her to give me the account number if it was different from what I had faxed to them. She refused. She would offer no proof that this was a different account/bill and she simply kept speaking over me telling me to go their website. She then informed me I was being transferred to a manager and was put on indefinite hold until I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: EQUIFAX, INC.
State: GA
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 already filed a complaint against Equifax and the company who wont remove a closed account on my file. Company name is XXXX is showing on my credit file as " charged off '' " negative ''. I have never had an account with this company XXXX. I disputed and filed a claim against their debt collection company name XXXX XXXX which has since been removed. But their original company XXXX has remained as closed account on my credit file. I have already stated neither accounts belongs to me! This company XXXX has yet to prove this account belongs to me. According the FCBA this company needs to prove this account belongs to me, otherwise stop reporting to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are illegally reporting inaccurate 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 non-monetary relief
Consumer complaint received 2021-04-07
Company: PNC Bank N.A.
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:
I already reached out to the credit bureaus and to PNC BANK, NA for the account number XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing, Inc of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX is habitually in violation of Federal Reserve Reg Z. Specifically, Section 226.36 ( c ) Crediting Payments as of the Date of Receipt.

They are posting payments as-of their processing date, rather than the date received as required under Reg Z. This results in days of additional interest charges to my account.

Payments are sent via my 3rd party bill pay service that will attest to date received by.

SPS seems to lack controls and appropriate policies and procedures to insure compliance.

They have failed to comply with requests to supply me with the time stamped received payment envelope.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm currently a XXXX  school student in XXXX. I received an unusual activity report and when i went to check noticed that my account had been virtually wiped out with thousands of dollars in transactions. These transactions ranged from XXXX XXXX, to a number of states up and down the eastern seaboard. 

After filing with dispute Bank of America rejected the claim saying it was me. To counter that, I provided evidence that I was in XXXX - I had a doctors appointment during the disputed period and provided the uncensored post appointment writeup - as well as billing statements from my XXXX school indicating that the balance of money in that account was to make an upcoming payment to the school. 

Despite this fact, and that I clearly could not have been in XXXX and at my doctor in XXXX on the same day - Bank of America has again denied the claim with insufficient reason.

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 2021-09-10
Company: Paramount Recovery Systems, L.P.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Last year I received notification about a {$52.00} bill in collections that I never received in the mail stating the date of service was in XXXX. I had never heard of the original company listed so I disputed it on my XXXX XXXX account where it was removed from both listed bureaus. In XXXX of XXXX, I received another notification where the same bill was listed and added to my credit report again, once more without any bills in the mail or anything stating what the bill was for. I disputed it again where it was removed from my XXXX account but is not being removed from my XXXX. I attempted to call the collections company to see if I could get a breakdown of the charges to understand where it was coming from and either the numbers I tried would not go through or I would be hung up on before getting to speak to a live person. This is becoming extremely frustrating and I would like this mystery bill to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My bankruptcy case has been dismissed and I just asked SPS to send me a modification. Instead of sending me a modification package they threatened me to short sale my home. It is illegal for SPS to force me into a short sale and also it is illegal for SPS to not send me a modification package. Every homeowner in my neighborhood has received a modification package. SPS is not sending me a loan modification packs because I am XXXX. I have contacted my attorney and I have placed SPS under investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MD
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:
Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America representative changed my debit card number. I called in to have the company issue me a replacement card. I advised the rep several times to not cancel my current card and take it off of XXXX XXXX. I only need a replacement card. Well, the rep didn't listen - as soon as I got off the phone my card was removed from XXXX. I had to go more than four days without a card. I could not access any of my funds. I had to go without a lot items such as food. I was totally put out. The rep told me the debit card would not be changed. My bill pay was cancelled and I had to set it up again. This is unacceptable. If I knew she was going to cancelled my card, I would not have allowed it as I only needed a replacement card with the same card number. I called Bank of America - nothing has been done about this. No one talked to the rep about this or try to correct the issue.

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 monetary relief