BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-06
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
XX/XX/2013 we traded in the vehicle financed by Santander for another vehicle through XXXX XXXX XXXX. Our credit report is stating that we were late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2013. It further states that this account was charged off when in fact it was paid in full. I spoke with Santander in detail and wrote a letter the dispute department to them stating all of this and providing them with a copy of our Retail Installment Sale Contract dated XX/XX/2013. Santander claimed they didn't get paid until XX/XX/2013 from XXXX XXXX XXXX and therefore what they have reported to the credit bureaus ( s ) stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX A XXXX Balance {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance {$840.00} XXXX XXXX XXXX  XXXX Balance : {$730.00} XXXX XXXX XXXX Balance $ {$1200.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Army and Air Force Exchange Service
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have three late payments that were reported to the three bureaus on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX that I am sincerely begging to have removed. Besides those three late payments I have been on time ever since and have not missed a single payment. I told them the reason I couldn't make the payments on time and told them I was having financial hardship during that time. My wife had just gotten out of the XXXX XXXX and we were in the middle of moving across country from XXXX to XXXX. I had to quit my job since we were moving and it was incredibly hard financially especially with XXXX babies. I have not been late since and have continued to pay on time since then and of course I will continue to do so. I had already contacted XXXX XXXX XXXX with a certified goodwill letter and email and they weren't willing to change the status nor help me.

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 2023-06-09
Company: EQUIFAX, 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:
To Whom It may concern, I was a victim of identity theft. On XX/XX/2023 I went to look at my credit report. I have all these collections and none of these I recognize and I do not owe them any money. I have contacted all 3 major collections agencies and with little help from them which is why I was referred to come here since this is all fraud and I'm just trying to make my credit score accurate for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2015, XXXX XXXX XXXX, ( my bank ), paid {$1000.00}, on my behalf, all for XXXX XXXX. {$520.00}, for XXXX XXXX mortgage, {$500.00} extra to principal. Carrington Mortgage Services, applied extra {$500.00} to XXXX XXXX. Statement instructed me to pay {$27.00} balance for XXXX XXXX. 
I telephoned, they promised to fix. 
XXXX XXXX, 2015, XXXX, ( my bank ) sent {$1000.00}, all for XXXX XXXX, to Carrington. Statement from Carrington tells me to pay {$520.00}, XXXX 's mortgage by XXXX XXXX, or I must pay {$17.00} for late charge, for month of XXXX 2015. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I feel my reported credit score is incorrect. My complaint is with Equifax. Equifax provides credit scores to XXXX. Two months ago, XX/XX/2018, my credit score was XXXX. In late XX/XX/XXXX the score was reduced to XXXX. I called Equifax to question why my score was reduced. I was told it was reduced because I did not have multiple types of credit. I was told I need a montage payment or a personal loan. 

I find this absolutely ridiculous. I have not had a mortgage in over 10 years. I am retired and I have paid off all of my debts. I have had the same credit card for over 30 years, and I always pay the balance each month. 

I informed Equifax, they needed to change their method of calculating credit scores. This is very unfair to penalize citizens for managing their finances and paying off their debt. 

Again, there is nothing negative on my credit, all of my bills are paid off monthly. I have had this outstanding payment history for over 30 years. I need some one to tell me why my credit is simply good and not excellent. Forcing an individual to get into debt to get an excellent rating is wrong and very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
last year XXXX I received a call from XXXX debt collector stating I owed money and a letter, I called the number on the letter and told the creditor that is was dismissed in the bankruptcy XXXX i had filed in XXXX. I did not hear back from them and now they have put the debt on my credit report this last week and it has been 10 years since the account went into collections and since it was dismissed in my bankruptcy. 
I don't know what else to do to get them to stop coming after me for this debt that was resolved.

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 2020-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received a letter from Bank of America on XX/XX/XXXX claiming I am delinquent on my property tax parcel XXXX. They have the wrong periods, wrong amount, and the bill was for the previous owner and is not owed by me ( current owner ). 

They are threatening to pay the bill and add the amount to my mortgage for SOMEONE ELSE 'S bill. They are fraudulently increasing my mortgage payment after XX/XX/XXXX. 

We went through this issue during refinancing in XXXX, where Bank of America 's title company kept making the same error, and I fired the and hired XXXX XXXX XXXX who gave me a clean title. 

XX/XX/XXXX Called BOFA and spoke with XXXX in XXXX. They said they would open a ticket with the tax team and that this was automatically picked up by the system. Request number XXXX and should be resolved by XX/XX/XXXX. 

I chat with XXXX XXXX XXXX to confirm that the delinquent tax is for the previous owner and would be moving to unsecured in XXXX and that I do not owe this money. I call back and XXXX in Texas says she would contact XXXX in XXXX to add this information to the ticket cause she could not. 

XXXX Called BOFA to check on the ticket. XXXX from Arizona says the back office is still due and going to start an escrow for the property tax THAT XXXX XXXX COUNTY SAID IS NOT OWED BY ME. They will proceed with stealing from me. She submitted a ticket to escalate and have one point of contact to contact me within three business days. 

Chatted with XXXX of XXXX XXXX county who shows no record of Bank of America ever contacting them to clarify or ask about the property tax as promised on XX/XX/XXXX. She said the county would correct them should they contact. Property tax is already being transferred to unsecured status. 

XXXX Called BOFA because the promised call within three business days did not happen. XXXX from Arizona took my call again. Said they're too busy and the call is still pending, even though they have the XX/XX/XXXX deadline. Won't let me contact or speak with anyone directly from Tax. Can't tell me what the escalation call would even help or do. Tries to blame XXXX XXXX county for Bank of America being incompetent in what they do. 

No confidence they are even actually trying and just want to use this as an excuse to increase my mortgage principal.

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 2023-05-12
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: Account information incorrect

Complaint:
Equifax refuses to remove or correct an account from Absolute Resolutions showing the account open. Absolute Resolutions requested them to correct the issue and remove the account and they have not. I contacted them via recorded call they have failed to address the issue and claimed they did not consent to recording after a statement that the call may be recorded. I would like this account closed and removed from my report as requested by XXXX XXXX XXXX To equifax . Equifax has stated in dispute that information is accurate on at least 2 occasions but can not provide proof they actually investigated it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: WA
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:
Approximately 18 months ago, through credit monitoring by my bank, I became aware of a credit card account in my name with XXXX 's that I did not create. I called XXXX XXXX credit card service at ph XXXX to notify this was not my account and there was possible fraud. The customer service representative used my social security number to check their system and assured me there was no account in my name so there was nothing he could do. I followed up by printing the XXXX 's credit card account information the was on my credit monitoring site and mailed it to XXXX 's ( XXXX XXXX XXXXXXXX ; XXXX SD XXXX ) and advised this was not my account and the account needs to be closed. I also included a photo copy of my drivers licence as further proof of my identity. 
I never heard back from XXXX XXXX and since the card was not being used I put off addressing the erroneous account. Approximately 1 week ago, someone started using the card and my credit score dropped 4 points. I filed a dispute with Experian ( report XXXX ) I received the dispute results and they say they are not going to remove the XXXX XXXX card from my credit report. They state XXXX 's affirms it is my account but since I do not know why they still believe this is my account I do not know how to refute the incorrect information. I have called Experian at ph XXXX and XXXX - I can not get a live person on the phone to assist my denied dispute.

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 2015-11-25
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card
Issue: Other

Complaint:
I went to use my card and vendor tryed to take card the card away several.times after Numberous time calling credit card company they assured me the card was good and i was in good standing somewhere along the line some untrained personal shut my card off. I even talked to supervisors numerous times trying to figure out why my card was not working assured me my card was good and i was in good standings every time that the card was good this has gone on for a month and half I finally got a hold of credit card company repersevive XXXX/XXXX/15 was discovered my my card was shut off for no reason i could see if i was late or some thing like that but I was in good standing the whole time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: PREFERRED CREDIT 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:
XXXX. 

{$2000.00} is the " past due '' notated on credit report. 

I have disputed this with the credit reporting agencies several times to no avail. If anything, the company take punitive behavior toward me in regards to what the report to the credit agencies. 

At once point, this company, sent someone to my front door in XXXX XXXX, TX to intimidate me into paying a debt that isn't mine. I found that to be completely unacceptable. No one has the right the come on my property and intimidate more or should I say attempted to intimidate me. I asked him politely to remove himself from my property. This has never happened to me before and was way over the top. 

The company in question is Preferred Credit, XXXX XXXX XXXX, XXXXXXXX XXXX, MN XXXX, phone number is XXXX. 

The continually harass me about a debt that isn't mine to begin with is completely unacceptable. I want this to end and to have all information removed from all three credit reporting agencies ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: NY
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:
Equifax has not contacted XXXX XXXX XXXX  sufficiently to remove this off of my credit as a paid account due to a function of a racketeering endeavor of an information and credit manipulation manufacturer brokerage established against this plaintiff. This account is paid and a duplicate account with XXXX XXXX  has been established yet Equifax refuses to mark this account paid while XXXX and XXXX XXXX have to further this racketeering endeavor by XXXX XXXX in my opinion and an unknown racketeer working with them. I have attached the paid in full letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Re : Discriminatory Practices This Formal Complaint is against JP Morgan Chase Bank and the Bank Manager XXXX XXXX XXXX. On XXXX/XXXX/16 at approximately XXXX XXXX I entered the bank ( XXXX XXXX XXXX XXXX ) to make a deposit. 

While standing on line, a customer in front of me walked up to the bank teller and handed the teller his money and deposit slip only, and his transaction was processed. 

I walked up to the teller and handed my deposit slip and money to him. He immediately requested to see my I.D, I then politely asked why do I have to produce my I.D and the gentlemen standing at the teller window next to him did not have to produce his I.D . He replied " that 's a business customer and they do n't have to show their identification '' I then requested to speak with the bank supervisor. 

XXXX XXXX came to the window, and I asked him the same question and he gave me a different answer stating " the teller knows that customer that 's why he did n't have to show his I.D I then replied " is that fair, is this really the policy '' He then stated " some customers do n't have to show their I.D because it states KNOWN CUSTOMER on their account. I then replied that does not make sense. He then stated in a boisterous manner " I know my bank policies do you '' I then asked, am I 'm being targeted because I 'm XXXX. He replied in a very condescending matter " I 'm offended that you would say that because I 'm XXXX XXXX and I 'm darker then you '' I then requested his business card, which he gave me. I then made my deposit with my I.D and left the bank. 

I received XXXX different explanations has to why I had to show my I.D and the XXXX male customers did n't. For over 10 years I 've been doing business with Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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 is missing that should be on the report

Complaint:
I am an authorized user on XXXX XXXX XXXX  account beginning with XXXX, a credit card with a {$600.00} limit and no balance. 

This company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home. 

Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00}.

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 2016-04-20
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I 've applied for XXXX 3 times. All were denied on separate criteria, in XXXX instance that in writing the reason for the second application being denied contradicts the criteria used to deny the third application. It was denied the second time because they said that I was in fact XXXX even though my NY XXXX XXXX and I work XXXX. So, I applied a third time with the information changed only to be denied on the grounds that the " official word '' is that my school is considered a XXXX. Help if you can. Nelnet is certainly not helping nor do I believe have they any intention of helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, I received an email allegedly from CapitalOne with a subject, " Congratulations CapitalOne Customer. '' The problem is, neither my husband or I have a CapitalOne card, nor do we have any other kind of financial relationship with CapitalOne. I do not know if the supposed account is in my name alone, his name alone, or if it is an alleged joint account as we do not have a CapitalOne account. I opened the email, but I did not respond or go further. 

On XX/XX/XXXX, I received an email again from allegedly CapitalOne with a subject, " Expiring Soon : Your {$50.00} CapitalOne Reward. '' I did not open the email. I just flagged it with a question mark. 

Last night, XX/XX/XXXX at XXXXXXXX XXXX, I received an email again saying that it was from CapitalOne with the subject, " Congratulations CapitalOne Customer. '' I opened the email and was going to reply with the note that I was not a CapitalOne Customer and asking why I was receiving the emails. However, I thought better of it and did not reply or open the email any further. 

I am concerned that this is a scam and, although it does not appear to have affected me at this point, although I am not sure about that, I believe it should be looked at because if this is being sent to many people and by opening the email, or going further with their bait, someone's identity or finances might get compromised.

Company response to consumer: Closed with explanation