BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-17
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My first comment is that you did not allow me to make a selection based on FRAUD. Money was stolen from our bank accounts. If you are not the department that handles fraud please advise me asap. I will continue with this complaint in the hope that you CAN offer assistance. 
I am a resident of AZ an was visiting family in the XXXX area. My parked/locked vehicle had a window smashed and my purse was stolen from it @ noon on Sat. XX/XX/2021. I filed a police report with the City of XXXX, OK immediately, and can provide that info if needed. I called PNC Bank that same day and reported my debit card stolen and asked them to cancel it, to put an alert on my account, and send a new card to my AZ address, which they did. 
I returned home via car as I had no ID to fly back. Then @ 3 weeks later, on XX/XX/2021, XXXX rec 'd an email from PNC Bank that my checking account was at a {$0.00} balance and I immediately drove to our local branch in XXXX XXXX, AZ. The teller, XXXX XXXX, informed me that 3 checks had been cashed out of our account at 3 different branches in Alabama for a total of {$12000.00}!! Our Money Market account acted as overdraft protection, so they processed all three checks even though that much was not in our checking account!! I explained to XXXX about my identity theft and brought him a copy of the police report the following day. He had me sign 3 separate affidavit forms, stating that I had nothing to do with those withdrawals- it was blatant fraud. Since then I have left numerous messages with PNC 's Customer Service line and even on their Fraud Investigation line. I got a phone call once from ( sp? ) XXXX XXXX, asking if anyone had contacted me yet. I also spoke to and received an email from XXXX XXXX, a Case Mngr in Retail Support XXXX, ext XXXX in which she advised me it could take up to 120 days for our money to be returned, and then suggested it may only be 30 days. She indicated our {$12000.00} COULD be returned by Sun, XX/XX/2021 but I have called her back & left a message to confirm that, and have not heard back from anyone as of writing this complaint. This is an extreme hardship on us to have that money stolen and not even been given a provisional credit to help us through to pay our bills, especially at XXXX time. The way they have ( not ) handled this is totally unacceptable to us. It has been 30 days since our money was stolen and we need help to get it back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: TX
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:
Waiting more 15 days for response from credit bureaus requesting the item be deleted based on the credit bureaus lack of compliance with the method of verification.

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 2015-07-23
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is on my credit report as my account but does not match any account numbers or date opened to my accounts. They are on my credit report as a negative item. I have asked for supporting information for the account and there is no information given. The collection company is rude and they demand payment when they call and I have disputed to the credit agencies numerous times to fix my credit and have got nowhere. this is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX XXXX, give authorization for Nelnet to move forward with this complaint. 

I, XXXX XXXX XXXX, a natural person, signed a negotiable instrument, a promissory note, with FAFSA ( Free Application for Federal Student Aid ) on XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for Eastern Michigan University. 

An negotiable instrument is a " note '' if it is a promise and is a " draft '' if it is an order. If an instrument falls within the definition of both " note '' and " draft, '' a person entitled to enforce the instrument may treat it as either pursuant to UCC - 3-104 ( e ). 

I am acting in good faith that I signed an negotiable instrument and accord and satisfaction by use of instrument. Pursuant to UCC 3-311 Accord and Satisfaction by use of an instrument, that " If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, the following subsections apply. '' Pursuant to UCC 9-102, a " Promissory note '' means an instrument that evidences a promise to pay a monetary obligation, does not evidence an order to pay, and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. Nelnet ServicingXXXX a bank, is reporting on my consumer credit report of alleged debt that I signed an negotiable instrument for repayment. 

Where did Nelnet get the evidence of an order to pay or when did they receive the deposit of money or funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I purchased some jewelry in XXXX from XXXX. The merchant facilitated the financing through Well Fargo. The creditor never provided me with a Credit Score Disclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I tried reaching out to this bureau multiple times about these accounts that does not belong to me. this information is fraud and i want it investigated as soon as it can be and it needs to removed off of 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 2021-12-17
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:
XXXX XXXX Department : Remove fraudulent accounts from 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 2015-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Sometime XX/XX/XXXX my wife applied for and was issued a credit card in her own name XXXX my name not associated ) from XXXX Bank XXXX perhaps their predecessor, XXXX XXXX. This was during the freewheeling credit period when banks were issuing credit cards to babies, names from tombstones and to family pets. Subsequent to the issuing of the card the account was sold many times to, among others, MBNA, XXXX XXXX, XXXX Bank, Bank of America, and ultimately FIA Card Services. At some time during all these sales someone interjected my name as XXXX the owners of the account. My wife subsequently filed bankruptcy against the debt. FIA Card Services is now attempting collect this debt from me. I have spoken to and written to FIA Card Services on a number of occasions explaining their error but they refuse to acknowledge the mistake. I have asked for any documentation they may have that would associate me with the account such as a credit app or my signature on any purchase receipt or any other documentation they may have. They have replied on more than XXXX occasion that they are " unable to locate the item ( s ) '' I have requested. Even though they have no valid reason to associate this debt with me FIA has reported this misinformation on my credit report and is now trying to extort money from me to satisfy this debt. 
FIA has admitted that they have no documentation to associate me with this debt and yet they continue to report this damaging information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All XXXX reporting companies ( Equifax, XXXX, XXXX ) currently report XXXX revolving credit accounts as open when they are in fact closed and have been for at least one year. 
These are listed as XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  and Account # XXXX XXXX XXXX  XXXX XXXX have 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

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 2015-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card
Issue: Other

Complaint:
FIA Card Services ( FIA ), issued me personally a XXXX in XXXX 2013 on a business debt ( an LLC ) of {$8800.00}. The card was obtained for business purposes. The card and all statements showed that it was a business card. FIA never reported the card on my personal credit report. FIA knew that the debt was a business debt and issued me with the XXXX anyway. I called repeatedly, but FIA would not correct the XXXX. I could not afford a tax professional, so I reported it and paid for it on my 2013 federal and state tax returns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was a patient XXXX Clinic and the owner, XXXX XXXX XXXX, was my XXXX. 
I went to this clinic XXXX. During the time that I received XXXX, I spoke to XXXX about my inability to continue XXXX due to the co-pay situation since I only had XXXX and they did take my Medicaid. 
XXXX told me personally to continue the therapy and that the co-pays would be written off. 
I would nt have continued otherwise. 
The co-pay was never written off and it has been sent to collections for some time now. Additionally, it has appeared on my credit report and it has adversely affected my ability to obtain credit. 
I am respectfully requesting that this debt be cancelled per the discussion that XXXX and I had during my XXXX sessions. In addition, I need the debt removed from my credit report. 
I have attempted to resolve this with collection agency and the clinic. I sent letters XXXX and they refuse to respond. I have made phone calls XXXX and they want to record my call ( which I am fine with as long as I get to do the same ). They have refused to have a mutually recorded conversation. They have refused my calls under these terms. I have requested XXXX to remove this debt off my report since they have not been able to validate the debt and they refuse to resolve it with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This collection agency is trying to collect a debit from XX/XX/XXXX. I was a XXXX in college and did not get my XXXX credit card until XX/XX/XXXX. It would have been very easy for a roommate or anyone else to get this info. I did n't keep it hidden I did n't think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
THERE IS A WRONG SOCIAL SECURITY NUMBER WITH EQUIFAX. I HAVE ASKED THEM 5 TIMES TO CORRECT TO THE RIGHT SOCIAL SECUTIRY NUMBER WHICH WAS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION WITH FULL DOCUMENTATION TO PROVE IT AND EQUIFAX STILL INSISTS ON CLAIMING THAT THE WRONG NUMBER IS MY SOCIAL SECURITY. IT HAS BEEN FRUSTRATE DEALING WITH EQUIFAX, IT SEEMS THEY DO N'T EVEN LOOK AT THE DOCUMENTS SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Georgia Tax liens are incorrect. I have disputed these issues with all XXXX bureaus but have only been successful at removing incorrect information from my XXXX Credit file. I have also contacted the GA Department of Revenue to remove this information to only receive a letter back from them the following message stating " I am writing with regard to your letter concerning the above reference state tax. This department does not release tax lien information to credit reporting agencies, nor do we govern items listed on credit reports ''. This response basically stated to me that they ( GA Department of Revenue ) did not report this incorrect information and will not assist me in getting it removed form the credit bureaus. These liens should not be reporting on my credit files and need to be removed from both my XXXX and Equifax reports immediately. I have attached a copy of the Georgia Department of Revenue Delinquent Taxpayer List that confirms that the liens reporting in my credit files are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In attempt to take advantage of HARP i 've been attempting to get my home refinanced. My existing mortage holder ( Seterus ) has done everything to put up obstacles to prevent me from doing such. The latest is for my Loan Payoff, submitted my first request through my new mortgage provider ( XXXX ) on XXXX/XXXX/2015 and we still have not received the payoff that we requested and at least 3 other attempts have been made for figures. My closing was set for Friday, XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 2 withdrawals for a total of {$510.00} my debit card from a transaction listed as XXXX. I immediately notified my bank and had the debit card closed. I submitted the claim that these were not my charges and to refund my account. Chase sent request to confirm transactions to XXXX. Chase received documents that showed an order made on my debit card had my name and address. Tracking numbers were provided for the order so chase denied my claim. After contacting XXXX directly using those tracking numbers I was told the packages were sent from XXXX and did not have my name and address on the labels. After obtaining my full debit card number I was able to call XXXX  and find pull the exact transaction, this transaction did not occur in my XXXXXXXX account. They found an account opened in my name with my information that was not mine. They closed the account and told me they could not do any investigation because I already submitted the claim through chase. After 11 hours of calling back and forth chase will not continue any investigation and would not accept the verbal confirmation of identity theft. After I received the copies of documents originally sent to chase showing the transaction ID from XXXX ; I contacted XXXX directly. They found another fraudulent account opened in my name with my information. It is obvious that this person used all of my information including my debit card with out my permission. I can not obtain any supporting documents from XXXX or XXXX because these fraud " accounts '' are not in my name. Chase refuses to contact the companies directly. I have started a police report to obtain the documents from XXXX and XXXX to prove that identity theft and require chase to reinvestigate the claim. Chase fraud department did not properly investigate my claim, if they would either contact XXXX, XXXX or XXXX directly they would be provided countless documents supporting these charges were not mine. When they initially contacted XXXX  they did not give the entire debit card number and went only by the transaction that occurred on my account therefore were provided inaccurate information which they based their decision on. I spoke to over 4 managers and spent easily 9 hours on the phone with chase who is refusing to support their customer for over 17 years. I do not recommend chase and I will no longer do any business with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: TX
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:
The information attached shows how Experian is breaking the law ( FCRA timelines ), and not fixing errors contained on the credit reports from an individual. They share information to people not authorized, and they try to confuse the regulators like CFPB, by saying they verified the authorization without providing any proof of that. I have had for months a lot of fraudulent inquiries ( some of them already removed by Experian ), since the XXXX information leak. I have been notifying Experian properly as the law dictates, and still does not eliminate the all the unauthorized inquiries to my report. Even with the proof of the creditors asking to remove the inquiries, they simply neglect to take off all the inquiries that do not have any authorization from the individual. They do not provide any proof of verification, and CFPB is not doing anything about it. This complaint in addition to the previous, has the proof from a lot of those inquiries being retired by several creditors. Experian did not fix the errors completely, breaking the FCRA timelines.. CFPB I am providing evidence of the continuous breach to the FCRA by Experian, please procede accordingly. Thank you!!

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 2022-04-18
Company: EQUIFAX, INC.
State: TX
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX and Account # XXXX XXXX XXXX XXXX XXXX have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Equifax numerous correspondence in regards to my credit file being inaccurate. I am a victim of identify, and filed a police report and filed an identify theft report, and provided all of this information to Equifax. I have called over 3 times, and faxed my paperwork to them over 4 times. XXXX and XXXX have made the corrections, but, it has been 3 months and Equifax still responds that the information was verified. How can it be verified if it not mine???

Company response to consumer: Closed with explanation