BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage is being paid by XXXX. I am being told three months after payments started payments are not being received. The payments are being received but there is a $ XXXXshortage. I was told by a representative that it is not the companies responsibility to notify a customer there is a payment shortage. My credit report has dropped XXXX points due to this. They are reporting my mortgage account as 30 days late and stating I owe XXXX. When that is not the case. I was not notified my mortgage amount has increased so how am I supposed to know to make any type of payment. The representative I spoke with was more than rude. When I repeated what was being said she would say thats not what she said. The calls are monitored and recorded. I then asked for a supervisor and was placed on hold. To then be hung up on. 

I called back and asked for the last representative name which was not given. 

I recorded the phone call. 



I then was told my account is past due and payment was never received when I have documentation all of the payments in reference have been paid. 

Carrington mortgage representatives continue to tell me my mortgage is 30 days past due for XXXX but have received actually payment from XXXX  XXXX. 

All of this information has been recorded by myself. And I have documentation to prove the amounts being quoted as past due are incorrect. Yet my credit report is reflecting a 30 day delinquency. That per the carrington mortgage representative is not carrington mortgage responsibility to notify a customer of a payment shortage or increase in mortgage payment needed. Yet my account is being paid by a third party XXXX  XXXX. 

At the end of the conversation I was told I could NOT make the payment without a representative although I was told I could make the payment online. 

The ball was definitely dropped by carrington and my credit score is being affected. I have a call recorded to prove this fact. 

Carrington has told me there is nothing they can do about it. But its essentially their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been recently informed that there is negative information reported by your company, Sears, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see and entry listing a balance of {$970.00} as of XX/XX/2020. 

I challenge the accuracy, compliance and report-ability of this listing. I have no knowledge of every doing any business with your company. Please validate this information and provide me with copies of any documentation associated with this account, BEARING MY SIGNATURE. I am keeping careful record of your actions, including your Method of Verification. I don't consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this complaint letter may result in a small claims action against your company, seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2022-08-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
inaccurate information on credit report, 15 usc 1681, removed all accounts without authorization and want all account back reading paid as agreed never late. A so called creditors on the accounts are really debt collectors under 15 usc 1692a6, and the consumers extend credit via their social security number that has an open ended credit plan under 15 usc 1637. All applications for credit ar consumer credit contracts under 16 CFR 433.2 and are taken or received as payment for services goods or leases. By the credit reporting agency not having a contract with a consumer to unauthorized uses of credit card to debt collectors without consent and providing information that a consumer is a debtor when the banks and companies are liable as trustees to a cestui que vie trust consumer credit transaction after receiving consumer credit contracts and using the credit card social security card without receiving benefit after the use of the card which is a violation of 12 cfr 1002 and the ceo and agents are criminally liable by knowing this t=from lawsuits lost and still have not corrected all consumer credit reports to have the consumer reflected as the original creditors under 15 usc 1692cc2 . this is a bad faith action by the credit reporting agency and i am owed XXXX dollars for every account removed fraudulently without my consent, by the defamation of character by showing paid off accounts and verifications by automated service to computer generate responses without looking into issues of false information under 18 usc 1001.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CITY NATIONAL BANK
State: MD
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:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.

Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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: 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 XXXX  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 XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have items on my consumer report that are a result of an identity theft and not made by any transaction related to me. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This is in regards to " BMW FINANCIAL SERVICES NA , LLC '' only. 
A complaint was filed on XX/XX/2020 ( Case XXXX ) against " BMW FINANCIAL SERVICES NA , LLC '' along with " XXXX XXXX XXXX XXXX, XXXX dba XXXX XXXX '' " BMW FINANCIAL SERVICES NA , LLC '' was served on XX/XX/2020. 
" BMW FINANCIAL SERVICES NA , LLC '' retained attorney " XXXX XXXX XXXX '' or " XXXX '' who is the owner of " XXXX XXXX XXXX '' Law firm. 
On XX/XX/2020 XXXX contacted me and left me a voicemail. 
Since the beginning XXXX is trying to confuse me and thinking she is an owner of a Law firm so she knows it all and I was born yesterday. 
When she contacted me on XX/XX/2020 she away told me to dismiss the case, but one needs to have a common sense that I prepared a case, filed it and then served it, took all the pains, not to dismiss it. 
XXXX is trying to be over smart, she behaves naive at lot of times as if she doesn't know anything and then other times she behaves as if I was born yesterday and doesn't know anything. 
On XX/XX/2020 she offered me {$2000.00} to settle the case and on XX/XX/2020 I agreed to that amount. 
After I agreed to that amount, XXXX stepped back and saying that her client is not agreeing to the amount and specially after the arbitration hearing. 
Now the arbitration hearing was pertaining to " XXXX XXXX XXXX XXXX, XXXX dba XXXX XXXX '' or XXXX, what is " '' BMW FINANCIAL SERVICES NA , LLC '' s business in that? 
Who XXXX is trying to make a fool of? To me or herself? 
I had a arbitration agreement with XXXX not with " '' BMW FINANCIAL SERVICES NA , LLC '' I would request the court to please ask XXXX of stop making a fool of me and speak to me directly and rationally about the matter. If she is an attorney doesn't mean other people are fool. 
She was the one who asked from the court not to include " BMW FINANCIAL SERVICES NA , LLC '' or " XXXX XXXX '' in Arbitration as " XXXX XXXX '' finds arbitration to be too expensive and difficult of a process. After she asked the court not to include " '' XXXX XXXX '' in arbitration, she is trying to make me a fool as if " XXXX XXXX '' is associated with XXXX in the Arbitration clause. If that is the case why XXXX doesn't ask the court for an arbitration for " '' XXXX XXXX ''? 
I also emailed XXXX on XX/XX/2020 to call me and discuss and she hasn't given me a call yet, its been 6 days. 

I want BMW FINANCIAL SERVICES NA , LLC to look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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 am a victim of Identity Theft. On XX/XX/XXXX I was made aware that there were several accounts opened in my name fraudulently. XXXX XXXX for the amount of {XXXX} which according to Experian was opened on XX/XX/XXXX. Also, XXXX  in the amount of {XXXX} which was opened on XX/XX/XXXX. These accounts are a direct result of Identity Theft from where my information was breached in both XXXX data breaches. I DID NOT OPEN THESE ACCOUNTS. I contacted the XXXX police department and filed an official police report. I also filed a report with the FTC. I disputed this information on my consumer credit report with Experian on XX/XX/XXXX and included all documents, police report, FTC report, blocking letter as well as identifying information such as my Social security card and drivers license. Experian specialists have ignored all documents provided and failed to block this information from my consumer report. The message stated on my dispute results are " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. However this account is listed and is reporting negatively which is hurting my credit and causing financial hardship. Experian is in direct violation of my rights under the fairs credit act 605b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive had this credit card for three years and always paid on time. My credit limit is still sitting at a {$500.00} limit and thats ridiculous after three years!!!!

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 2018-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I was divorced in XX/XX/XXXX. On XX/XX/XXXX, I called BofA and requested they close the joint credit card account that both my ex husband and myself were account holders on. They closed the account and then asked if I wanted to consider opening an account myself. I agreed, they ran my credit and offered me a card, which I received. On XX/XX/XXXX I created an online log in so I could review my most current bill. Since it was a new account, I went into the account profile to review the contact information and saw my ex-husbands email address listed as the Primary contact and my email address under his. It seems BofA kept the original account information and simply transferred it to my new account that he has no part of. I was unable to delete his email address since it was listed as primary. I called XXXX on XX/XX/XXXX at XXXX and spent 12 min and 15 sec on the phone with a female rep. She advised she removed his email address but when I refreshed my page, she had removed my email address and his remained. I advised her and she said she fixed it again. I refreshed and, in fact, my mail address was listed as primary and his was no longer there. Today, XX/XX/XXXX, my ex-husband dropped off our daughter and told me he received an email from BofA with my statement information, including my balance and minimum payment amounts. He has forwarded a copy of this email to me. If he did not notify me of this very serious privacy breach, I would have no idea he was receiving my financial information since the online account does not reflect his contact information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2019-09-30
Company: Nelnet, Inc.
State: TX
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 have had outstanding student loans for over 20 years. I have been making payments on them every month. Lately I began paying {$1200.00} per month in order to get rid of them. I started looking at the principal and interest on the loans. Nelnet is charge me {$50.00} more per month in interest now even though the rates on both loans are fixed. I do not see any way that the interest can increase after 20 years when my payments are over 4X the required amount. I've asked for an amortization schedule. The loan balance isn't high enough for an additional day to cause that much cost. They are not calculating my payments right and they haven't been for months. If my interest was {$100.00} per month before the large payments, it should not change. It can't be {$150.00} now. I have tried several times to get this remedied and I don't believe any of them even understand what's going on. 

I am sure this is inaccurate at best ... could be worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Telerecovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt collector attempting to collect a debt that has already been paid. I have attempted to contact them on several occasions and they refuse to help me or comply with the Federal Law to legally show me proof of the debt per the Fair Debt Collections Practices ACT. The original debt was paid to the creditor Mr. XXXX to do a job at a property I own. They invoiced me {$2700.00} for a job they did not complete. I had to hire another company to come out and redo the entire job they were hired to do after an inspector said it was not sufficient and would not pass code. I paid MR XXXX for the work they did which was the majority of the {$2700.00} and told them I had to get another company to redo the entire thing because it did not pass inspection. That was the last I heard about it for quite awhile until a debt collector know as TeleRecovery reported the account on my credit report. I disputed it with the credit reporting agencies in XXXX and again in XXXX and TeleRecovery supposedly verified it. I then sent TeleRecovery a Validation Demand asking for a signed contract, statements, or detailed billing history per the Fair Debt Collections Practices ACT which requires them to send me these documents for them to legally report or collect a debt. The first validation demand was sent on XX/XX/2020 and I got no response so, I sent another validation demand asking for proof of what they were reporting and the required documentation by law to legally report or collect the debt on XX/XX/2020. On XX/XX/2020 I sent another demand because they did not comply with the FDCPA and have violated my consumer rights and yet they still keep reporting it to the credit reporting agencies. I let the credit reporting agencies know that TeleRecovery was in non compliance of the FDCPA but the credit reporting agencies do not care and keep saying the verified the account. On XX/XX/2020 I sent TeleRecovery yet another validation demand asking for full compliance with the FDCPA and have not gotten a response. This company has violated my rights and is breaking the Federal Law.

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 2021-02-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Lexus XXXX has reported to the three Credit Reporting agencies that we have failed to pay them, the claim by Lexus XXXX is fraudulent and is in an error. 

The car in question was involved in a accident. 

The XXXX XXXX insurance company declared it as a total loss. 

The XXXX XXXX Insurance company confirmed the situation with Lexus XXXX and requested the payoff amount as of the date of accident XX/XX/XXXX. 

The Lexus XXXX provided the payoff amount of {$25000.00} that included monthly payment of XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX Insurance issued a check no. XXXX XXXX XXXX on XX/XX/XXXX and the check was cashed by Lexus XXXX on XX/XX/XXXX ( attached is a copy of the cashed check ).

Company response to consumer: Closed with non-monetary relief