BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: FL
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 spent time comparing and contrasting across credit bureaus and under several different programs. 
-I spent time identifying inaccuracies -I spent time checking the misuse and/or timeframes. 
-I spent time purchasing searching XXXX and XXXX on what to do etc. 
- I spent numerous hours with customer service representatives making provisions -I have spent time placing security freezes -I have spent time sending debt validation letters and inquiring how my information has been misused -I have spent time defending my name and trying to protect myself because of incorrect information. 
-I have spent time speaking and consulting with credit specialist -I have been denied goods & services causing me to take a deeper look into my credit -I received bills from things I did not authorize -I have spent time investigating providing documentation and reports. 
-I have spent time reading the general summary of right under the FCRA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet has violated my federally protected rights under the FDCPA and FTC Rule CFR 433. My student Loan was Transferred to XXXX XXXX then Nelnet without my permission or awareness violating XXXX. For both companies. 
Nelnet failed to provide documentation showing they are the Holder in Due Course which means they have no legal rights to collect. I was never obligated to pay you a third party debt collector for this alleged pursuant to 15 U.S.C. 1692a-3. You have used abusive. deceptive, misleading means to collect on an alleged debt violating 15 USC 1692e. Check attachment for more instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone had used my information for XXXX and it resulted in over {$3000.00} in debt that is WRONGLY effecting my credit. I had contacted XXXX and even got a lawyer to help me remove this from my credit but have had no luck getting a response from Pinnacle Credit Services. I am now going to get a notarized letter from my lawyer and I and send that to them. Not hearing from them should indicate that this needs to be removed since they are not willing to work with me. This debt is NOT MINE and Pinnacle Credit services has done nothing to right this wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: AES/PHEAA
State: UT
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:
I spoke with my fed loan on XX/XX/22 about getting a refund on payments I made during the COVID forbearance, when I called back on XX/XX/22, they said they never put in the request. Balance is still not updated to reflect reinstatement of loan with the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Servicing XXXX Inc., aka SPS charges a fee to pay your mortgage online of {$15.00}. In addition, when you do pay this fee SPS does not show it on your mortgage statement. They should not be allowed to charge someone to make their mortgage payment and if they so they should be required, in writing on the statement, to acknowledge that such a payment was made that did not go toward your mortgage or escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Firstsource Business Process Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My understanding is that medical bills can not affect my credit score. This is a medical bill from my XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: CO
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 XX/XX/XXXX, XXXX I sent a letter to EXPERIAN to correct an account that they are reporting inaccurately, and it is affecting my ability to purchase a home. They have done nothing with the investigation. This account is closed and paid in full and they are reporting a payment status as " paid was past due 180 days or more " which is completely inaccurate, considering they don't even have a last payment date, nor do they have a complete two year history This is an FCRA violation. and needs to be corrected immediately Ive included the letter I sent them as well as a copy of my credit report highlighting their inaccurate reporting,

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 2017-02-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I obtained a copy of my credit report from XXXX and noticed that XXXX has allowed a collection agency named XXXX XXXX XXXX to insert in and duplicate a debt that is already listed on my credit report with the XXXX. SO now the debt is listed twice! Different amounts different dates! What is happening is that the original company ( SPS Servicing ) account is near its time of deletion from my report, and they have sold my account to a collection agency in which I have " NO CONTRACT WITH '' and now the debt is listed twice! A clear violation of law! XXXX XXXX XXXX has illegally added this debt to my credit report. Every few months another company buys the debt which now its ( XXXX XXXX XXXX ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XX/XX/XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from XXXX XXXX XXXX and want this removed from my XXXX Credit Report asap! This is against the law. They have violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Pinnacle Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pinnacle Credit Services ( XXXX XXXX XXXX, XXXX, MN XXXX ) mailed me a XXXX ( Cancellation of Debt ) stating that they are discharging a debt of {$5400.00}. They are collecting for XXXX from when I lived in Virginia over 12 years ago. The original debt of between $ XXXX {$200.00} was paid at that time. I have not even heard from the collection agency in ages. The amount of {$5400.00} is also ludicrous, and they know that I ca n't look in my records for proof that the bill was paid 12 years ago. I read online that Pinnacle Credit has a history of using fraudulent tactics like these to collect debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been trying to close my PayPal account for almost two weeks now, and I keep getting the runaround from customer service. There are no open transactions. PayPal is intentionally stalling the closure of my account because it is bleeding accounts as thousands of people are also cancelling. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
I look on XXXX XXXX  daily. I saw a company called XXXX XXXX XXXX as a hard inquiry on my credit report on XX/XX/2018. I never authorized my credit to be ran by this company. I do not want a car. I have one. I contacted the fraud department. After researching they told me that The application was done online and they do not have a hard copy and my SS # is one number different than the applicant and the credit bureau accidentally merged our information. I called the credit bureau XXXX  and they stated it is not possible to have that happen and to call XXXX and have them submit an electronic request to have the hard inquiry removed from my credit report. When I called XXXX   back they said they could not help me and transferred me to their parent company santander usa. Santander told me XXXX will just keep transferring me to them bu there is nothing they can do because they do not have an application from me to even discuss with the credit bureaus about. I am all out of options. Everyone keeps telling me they cant help me. I am being penalized for something i did not do and I need the help of the CFPB to get this fixed. I understand an inquiry does not have a large impact on my credit score but I have a good amount I did myself and I am getting ready to purchase a home in the future and I do not want to be penalized for something I never did. Please help me.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Lendmark Financial Services
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was only 2 weeks past due and an employee left me a voicemail and then when she thought she hung up she said " I am going to call her at her job '' a girl in the background said " who '' and then she said " XXXX XXXX XXXX '' I have the recording of her saying this. I then called them back and stated I was filing for Bankruptcy and then an employee told me that she would still garnish my wages if I did n't bring in a payment. They have called me every single day and left me voicemails. I just now have turned into a 30 day account and they are collecting on me like I am over 180 days. I work for a XXXX company as well and that is not how you treat customers. Especially ones who have always been current for 2 years and have just run into a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I just received an alert on my credit. A new account was added to my credit by Stellar Recovery. The account says it was from XXXX. 
Please be advised I was not aware XXXX still exist. I have had XXXX as my internet and television service provider for the past 10 years!!! 

Moreover, I have never received a notice from XXXX nor was I ever contact by Stellar Recovery so it was quite a surprise when the unknown entry appeared on my credit and lowered my credit rating. 

Stellar Recovery Account number 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 2022-10-19
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had an XXXX XXXX XXXX for years and used this card very often when planning and booking trips. In XXXX, XXXX, I booked a trip to South Carolina for travel in XXXX, XXXX, for my Husband and I through XXXX and charged my airline tickets on my XXXX XXXX. Shortly after the purchase, I received notice that the XXXX XXXX XXXX was going to be discontinued and that would mean my XXXX XXXX XXXX would be closed and a new XXXX XXXX would replace it and any balance on the XXXX XXXX would be transferred to the new XXXX XXXX. However, I had a XXXX balance so obviously no balance was transferred. We went on our trip in XXXX, XXXX. However, due to a cancellation of flights, XXXX XXXX refunded a portion of our airfare. When speaking to XXXX XXXX, they said they would only refund my money to the original form of payment which was my XXXX XXXX which, by then, was closed. My refund was completed on XX/XX/XXXX. A few weeks later, I called the number on the back of my new Comenity card to find out why the refund was not credited to my account. Through the months ( going on 4 months ), I've spoken to at least 8 customer service representatives and 4 or 5 supervisors ( some very rude ) but NO ONE could help. They all said they would put through a " dispute request '' when several were already. The supervisors I spoke to saw the charge I made in XXXX on my XXXX card but can't find the refund. On one call the representative asked if I could upload supporting documentation of the airline 's refund which I did while on the phone with her.

The amount of a refund of {$680.00} that is suppose to be credited to my new XXXX XXXX. 

If you would like to discuss this further or need additional information, you can reply to my email or contact me on my cell phone at ( XXXX ) XXXX. 

I look forward to hearing from you and a quick resolution in this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The NY Department of Social Services paid my XXXX and XXXX bill when I was laid off. I am paying the Department of Social Services back for this. I am receiving collection notice for this debt that was paid in full from a collection agency several years later.

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 2016-10-17
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have enrolled in Sallie Mae 's interest rate reduction plan to help alleviate some of the financial hardship. Sallie Mae then inaccurately reported that I was 60 days past due to the credit bureau that they report to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
Chex Systems is still reporting the following 2 fraudulent checking accounts internally and secretly to banks and credit unions, but constantly informing me that the 2 fraudulent checking accounts is not listed or showing on my Chex Systems Consumer Report # : XXXX, the 2 fraudulent accounts are from XXXXXXXX XXXX for {$5500.00} and XXXX XXXX XXXX  for {$980.00}. I have never opened or had a checking account with XXXX XXXX  or XXXX XXXX XXXX. The 2 checking accounts are fraudulent checking accounts.

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 2022-10-19
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I have tried fixing this issue with all three bureaus on this account because Account status reports as closed with a balance of {$2.00}, XXXX. Date last reported along with date last active has been re-aged. Payment history is reporting data by XXXX and XXXX yet missing data on date of last payment. I have not received any document stating that account has started its investigation yet account has been updated pushing back the date it should fall off this is not acceptable. This account is reported as close with a balance yet account is still reporting payments on payment history after account is closed this is not possible I previously wrote to bureaus asking to verify or delete immediately because account is reporting incorrectly. There is no way that account can be closed and yet reporting payments on a dead account.

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 2016-06-02
Company: Creditor Claims of America, Inc.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX 2016 I disputed a medical debt reporting as Creditor Claims of America in the amount of {$840.00} on my XXXX credit report for XXXX reasons. First it is a medical debt ; second the collections company is knowingly reporting an incorrect balance as an outstanding balance, which is {$200.00} more than the original outstanding balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Caine & Weiner is attempting to collect {$110.00} dollar debt for XXXX XXXX XXXX XXXX I do not owe. 

I paid XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$500.00} in cash for emergency services for my dog XXXX. 

XXXX XXXX XXXX failed to post at it 's location it did not have overnight stays or doctors to perform XXXX. 

I wasted valuable time, because XXXX XXXX XXXX failed too inform the public they do not have the capability to perform surgeries or have the service of overnight stays for wounded or hurt animals. 

I was overcharged by paying {$500.00} dollars for XXXX, medicine and XXXX taking no longer then 60 minutes. 

My dog XXXX passed away that night, because I wasted my time taking my pet to this animal facility. 

XXXX, would have lived if I would have taken him to a hospital that provided all the services at one location. 

XXXX XXXX XXXX over charged me for the partial services they rendered. XXXX XXXX XXXX gouges pet owners who face emergency situations and take advantage of unfortunate incidenst. 

I will be writing a negative review of XXXX XXXX XXXX to inform the public of what happened with my emergency visit. 

The public is safer taking there animals to a XXXX hospital that cares in saving pets lives and not just about the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Firstsource Business Process Services, LLC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
There is an account on my credit file with XXXX and reporting negatively by First Source Adv with a account number # XXXX. I have not had a loan in connection with this school. In XXXX I contacted the school ; the FTC # XXXX ; Credit bureaus to dispute this account who refuse to supply me with the information I require for validation of this account such as promissory notes ; contracts and agreements and all other documents pertaining to the opening of this loan

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During Covid, we electronically signed a 9 month apartment lease for my daughter to attend college. The day I signed, was traveling for business and read agreement, noticed their error and called. The " kid '' answering the phones for XXXX 's XXXX said he was the one who drew it up and wpuld make the change and file it. My daughter, XXXX, and I repeatedly called and wrote messages in the portal - every time they apologized and said it would be corrected. When she was moving out, they imformed her it was a 12 month lease ( her roomate, wh she signed with had a 9 month ) - we explained the whole situation and they denied it. I wemt to the portal to retrieve the messages and was locked out of it. I have corresponded in writing, letters, directly to them and collections agency. The collections agency discontinued contacting me after the letter and is now contacting my daughter. The error is on their inept staff and due to short staffing issues during covid. My daughter and her roommate were never able to get answers and when they would walk to the office, no ome would be working. We paid our 9 months. 
We were out of the apartment after 9 months, paid on time and respectful renters. Change the lease to the 9 month period and we are paid in full. As we repeatedly tried to get them to do and employees stated they would get it changed. " No problem ''. But when we would ask for a revised copy there was no response, calls, messages. Just please drop the invalid 3 mos rent. A XXXX in college, came home for the summer - 2021

Company response to consumer: Closed with explanation