BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: TN
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:
SInce XX/XX/2018, I have been disputing incomplete, inaccurate information. Some of the items have been removed, some come back, and some have been completely ignored. These accounts have not been verified 100 % and I am asking that the credit bureaus remove all unverifiable information and correct my personal information. My credit seem to be mixed up with someone else, So therefore I am also providing my ID with my correct name, address, and dob. Please correct my information and remove all of these unverifiable accounts this is hurting my credit. 


EQUIFAX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX XXXX  Account Number : XXXX, Account Number : XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied for a bluebird amex online. The site said I was not approved. This is a prepaid card, no credit check. I called customer service and was told to simply go to a store and pick up a card. I did so. The store card is only a temporary card and you are to register it online. The system gave me the same message as before. We are unable to approve you, etc. I have the card in hand with my money loaded on it and I'm not approved????? I called customer service and was told it was because I was not entering valid information on the registration page. Everything I entered was valid. I am not trying to scam myself out of a card that I put my own money on. This company, however, is a scam. When inquiring to the agent that it seemed I am XXXX out of luck, she replied, " Yes, you are ''. The agents ID number is XXXX. I am able to use the temporary card with the {$5.00} that I loaded on it initially, but it can not be reloaded unless it is registered. We are back to where we started. I spent {$5.00} for the prepaid card kit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: LA
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:
According to Equifax, I was one of millions of consumers affected by the recent data security breach. My social security number ( in addition to other sensitive information ) was accessed by an unauthorized third party due to the insufficient security measures in place over their electronic systems. I am now at much greater risk for identify theft. I 've placed a fraud alert with the credit bureaus. Equifax has offered free credit protection for a year, but only if I waive rights to participate in any class-action lawsuit. 

Regardless, now that my information has been leaked, I will always be at greater risk for identity theft. I can only take measures to mitigate this already growing risk of identity theft at my own personal cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I currently have an open automobile account with Santander consumer USA and I disputed the dates that were not showing as they havent reported the account current to the month of XXXX it was only showing since XXXX now XXXX removed the account from my XXXX report although my account is current and still going also on my XXXX XXXX report they increased my amount by {$260.00}  with no reason after I called Santander it shows that is incorrect! I want XXXX to put the account back on file as it was and XXXX XXXX to correct the amount owed to Santander consumer USA immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Allied International Credit Corp., (US)
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX mistakenly tried to take money from my savings account ( which did not have a balance ) on XX/XX/XXXX and also XX/XX/XXXX for a car payment that did not belong to me. The credit union paid the car payment and then sent me to Allied International Credit Corp. ( Collections ) for the amount. 

I received a letter from XXXX on XX/XX/XXXX stating that my account was overdrawn and that they closed my membership account and charged off the debt. This was the first letter that I received in the mail and I immediately went into the local branch to dispute it. They told me that they sent prior messages to me but they were only sent digitally to my account and again, it is an account with no balance that I never use so I didn't have any reason to check for messages with this account. 

I explained to Suncoast that the car payment to XXXX XXXX was NOT my debt and I never had an account with XXXX. They told me that they couldn't do anything about it. This is wrong. They admitted to me that they paid a car payment that is in XXXX XXXX XXXX 's name, which is admitting that they made a mistake. I do not know XXXX XXXX XXXX and never have, this is a bill that the XXXX XXXX XXXX paid by mistake from my account for someone else 's car payment. 

On XX/XX/XXXX, I received a letter from Allied International Credit Corp stating that my account was referred to them by XXXX XXXX XXXX for collection of a debt of {$430.00}. At this time, I pulled my credit reports from XXXX, XXXX, and XXXX  and this debt is now showing on my credit reports and therefore ruining my credit. I am only XXXX years old and this is so unfair. This is not my debt and XXXX is not taking responsibility for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2016, {$1300.00}, I try writing to company and credit bureaus stating I have no acknowledge of this debt also I kindly asking them to remove it off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Initial contact by National Credit Systems : XX/XX/2022 - voicemail || Call to XXXX  initiated by me : XX/XX/2022 - not in office || Call initiated by me : XXXX  claims to have a debt of {$8700.00} in my name, matching my birthdate. The creditor and location, a rental unit or apartment, is outside of my state of residence and the debt includes parties I am unrelated to and unaware of. Received basic details via a National Credit Systems internal ID theft form. Agent became aggressive and combative when I refused to provide personal information via the Internal ID Theft claim, call was terminated. 
XX/XX/2022 || Email to XXXX  : Subject line " Data packet request '' Written request for debt validation - No reply XX/XX/2022 || Contacted creditor : Voicemail XX/XX/2022 || Contacted creditor : Received identities of the parties on the delinquent account, an individual of the same first and last name as myself, with a matching birthdate, and his mother. None of the other details given by the creditor, such as middle name, title, SSN or even ethnicity of any parties, on the account match my identity. I was also able to find these individuals ' social media via a cursory search and verified their images with the creditor, who had access to photo identification. 
XX/XX/2022 || Call to NCR initiated by me : Agent immediately raised her voice, becoming aggressive and insisting the only course of action was the internal ID theft claim. I insisted she once again verify the social security number on the account. After a few minutes on hold, the agent claimed that information ( the debtor 's full SSN ) was not included with the information given by the creditor, then terminated the call when I attempted to provide the information given by the creditor. 
XX/XX/2022 || Sent cease contact and proof of debt letters to XXXX  po box via certified mail. 
XX/XX/2022 || Left a XXXX  review on National Credit Systems of their conduct. 
XX/XX/2022 Received a reply to contact them via their public email address. 
XX/XX/2022 || Letters were received XX/XX/2022. 
|| Did not receive Debt Validation or any other written communication from National Credit Systems . I received another call on XX/XX/2022. I sent a follow up email to National Credit Systems with regards to the lack of cooperation in resolving this issue, and their lack of compliance with FTC and FDCPA. Following that was a delinquent report on my credit via XXXX and XXXX as of XX/XX/2022, and the debt was listed as a cosigner. 
|| Currently contesting the debt with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: ABR Recovery Services LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last year XXXX alerted me to a hit on my report. I contacted ABR Recovery Services LLC and they were unable to provide proof the debt was mine. I am a government cleared person and wanted this matter removed from my bureau ( XXXX  ). The agency personnel put in writing if I paid a reduced amount it would be removed. I paid. Not removed. I have email traffic that this debt was paid and was to be removed from the agency. The only thing that was done was the balance was XXXX out on the report. In XX/XX/XXXX of this year, ANOTHER ABR hit on my report. Original amount and company - a duplicate. I contacted XXXX  and challenged. Ever try to get anything done with XXXX? They told me to contact ABR Recovery. Needless to say, both accounts are still on my report. I emailed the agency and contacts I original dealt with and they replied they would remove both accounts. This has not been done. Neither dates on either of the ABR Recovery reports match, are even close, or have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXXXXXX XXXX credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from XXXXXXXX XXXX since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021. 

Since XXXX did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When XXXX reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information. 

I believe that it is unethical for XXXX XXXX to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date. 

I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from XXXX is detrimental to my credit rating, with a substantial credit score drop of 75 points, from XXXX to XXXX currently. 

Your prompt attention to resolve this matter is greatly appreciated. 

Best regards, 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 2022-01-09
Company: EQUIFAX, INC.
State: GA
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:
Per the FCRA regarding consumer laws the three credit bureaus are only to report accurate information on all my reports.

The following information has been published without my written consent to do so, 15 USC 1681 the consumer has the right to prohibit information from being reported or sold in connection to any alleged credit or consumer transaction. 

The accounts I have not given consent to be published on my account are listed as follows : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
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:
I traded in my vehicle for a new vehicle. The company that i traded in the vehicle with said that i didn't have to make any more payments once i traded in the vehicle. That the only payment i needed to make was for my new vehicle. However, the motor company put a late pay on my report because the company didn't fill out and turn in the paperwork on time before my payment was due. They said that i needed to dispute it with the bureaus and it would be removed but i did that and it isn't being removed. It is effecting my ability to get the best interest rate for the home i am trying to purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-07-15
Company: CarMax, Inc.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX my husbands job was furloughed due to Covid. In XX/XX/XXXX we entered into loan forbearance for our mortgage due to the federal Covid relief plan that was in effect. Our loan was in forbearance until XX/XX/XXXX when the program ended. We were instructed by our lender, PNC, at that time to apply for loan modification which we did immediately, the day the program ended. The federal Covid relief plan outlined that any missed payments were to be tacked onto the backside of the mortgage. I have also checked with numerous other companies and lenders to see if this is/was their practice or knowledge, which it was. Our mortgage lender, PNC, is now saying that the loan modification or amending the mortgage is and was actually never an option and they are demanding all 18 months of forbearance payments in full or our house will be foreclosed on immediately. So there are demanding {$40000.00} paid in full, due immediately, no exceptions. 
So even though PNC were the ones to offer the Forbearance, Covid assistance, there really was no assistance. How would someone have 18 months of mortgage payments readily available if their job has not been paying them for the past 18 months?! PNC is intentionally misleading their customers and not abiding by a federal law that was set up to protect consumers that were being effected and are still being effected by Covid. We have told them that we can make arrangements to pay anything and everything in escrow, we can pay whats due from XXXX XXXXcurrent ( which they had told us not to pay until the modification had been processed ), that we can pay a portion of the {$40000.00} but not all of it. They are unwilling to work with us at all or make any kind of arrangements to resolve this situation that they put us in. We are literally willing to entertain any and all compromise options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX  this year Bank of America allowed a transaction to be completed whom they said was done by XXXX in the approx amount of {$120.00}. This was said to be a debit card purchase at XXXX using my card with the PIN number. This was not my charge and Bank of America refused to refund my money after two complaints filed with them denying the charges authenticity. They refused to refund my money and the FBI refused to press charges. This was not my charge and they had proof that I was at another location about the same time this charge was made but refused to refund my money.

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 2018-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a Capital One credit card for some time as other 's but ItIs the first time I have noticed that I'm been charged for fee 's and Interest charged on purchases, I alWAYS PAY MORE THAN THE MINIMUM PAYMENT, Since last year I began to see these charges, none of my other cards have I seen this practice so far including a member fee of {$39.00}, and other charges on purchasing from {$42.00} to {$38.00} every time I make a purchase 's At this rate I will never pay down my principal. 

To this date there has been a total including Member fee of {$270.00} since I never looked at previous statement I just paid my payment there could have been many charges n previous years, I would like my money back and this form of Business to stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: MD
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:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This account is showing late payments when clearly the status of this account is PAID. This damaging item is causing my credit scores to drop. Please investigate this matter. Otherwise, kindly fix this issue. Stated below is the erroneous account that is still reporting on my Credit Report : XXXX XXXX XXXX  XXXX Balance : {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Good morning, I have told Equifax that the inquiries did not originate from me nor did i authorize them

Company response to consumer: Closed with explanation