BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-19
Company: Northland Group Inc
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On or about XXXX XXXX, 2016, I received a debt collection letter from Northland Group Inc. in the mail. [ Northland - XXXX XXXX XXXX XXXX, MN XXXX ] stating that I owe {$92.00}. Northland stated it was authorized to collect the debt on behalf of XXXX XXXX. I do business with XXXX and was unaware of an outstanding bill and certainly one that would be so far in arrears to be out boarded to a collection agency. Concerned as I always am about my GREAT credit rating [ that has taken me a lifetime to build and preserve, I called XXXX on XXXX XXXX and spoke to a XXXX XXXX. [ XXXX ] to inquire. XXXX told me I did not have a balance and XXXX had most certainly not referred my account/name to Northland. I 'm very concerned about Northland filing false information with a court to intentionally and fraudulently besmirch my credit and I 'm equally concerned for people that will fall prey to Northland 's intentional process to defraud consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have two credit different card accounts that are managed by Synchrony Bank. Due to the likeness between them, I sent multiple payments to one ( overpayments creating a credit balance ) and underpaid the other ( creating seriously past due, and adverse reporting to credit bureaus ). Although I have obtained the refund from one account and paid the other, this human error has destroyed my credit scores and I am devastated about this. I am trying to find a means to, with the proper evidence/documentation, enter the information about what happened and how it was corrected, into the records of the creditors and the credit bureaus, so that it is clear that the issue was not a matter of failing to pay.

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 monetary relief
Consumer complaint received 2015-03-24
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My XXXX payment is almost half of my monthly income. I have contacted Aes several times about lowering my payment but every time they refuse to help. They say I am not eligible for any of the other options. I am a XXXX and will be forced to default if American Education Services refuses to help with a lower payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
21st Mortgage aquired my loan from the now defunct XXXX Mortgage. When I fell behind on my mortgage I tried to get assistance from 21st Mortgage to modify my loan. They refused and forced me into bankruptcy. Because me & my wife are on a fixed income I could n't afford to keep up the payments in bankruptcy and my case was dismissed. I learned that XXXX Mortgage was the subject of a multistate class suit brought by the attorneys general of XXXX states where they found that XXXX Mortgage used fraudulent practices and originated predatory loans on poor minorites. After reviewing my loan I was able to determine that Ameriquest/Argent violated the law in the origination of my loan and should not be allowed to foreclose their lien on my property because they viloated the law in the process of securing a lien on my property which should not be enforceable under the law. I need someone to intervene in the foreclosure sale they have scheduled for XXXX XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a very old account from XXXX XXXX that keeps reporting the same account information over and over to Equifax, they then report it over and over. The last date real information was reported was XX/XX/XXXX which was paid as agreed, they then keep reporting it over and over, then it stays on my report. Equifax just old me in a phone conversation it would stay on there now until XX/XX/XXXX. Equifax Confirmation Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Equifax XXXX fraud letters regarding a XXXX account that does not belong to me. They did respond asking for identification and proof of residence, which I sent initially but I sent it again. Have not heard anything back from them. I submitted an FTC Fraud Affidavit that I had notarized at my local bank. It disgusts me that Equifax is allowed to operate a business this way. I 'm on the verge of suing this unethical company. Identity theft is a huge problem in this country and I am a victim of it. I have attached the FTC Affidavit I sent Equifax along with a final certified receipt date XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested the report from XXXX last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equfax indicated that the public record investigation indicated the liens were released, but did not update the credit report. 

The liens were released in XXXX 2014

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This is a complaint against Equifax XXXX XXXX and Depart of Security Frezz The reason of this complaint is because I have a very serious problem with this credit agency because of the improper use of my credit profile and membership, they do what they want with my credit profile without my permission or authorization. They put fraud alerts, they freeze it when even they ca n't remove the freeze that they put on the freeze when I gave them the pin that they gave me through mail. They have my credit so badly managed that its impossible for me to obtain my profile utilized and my credit score. Its so badly managed that the blockage has been so negative that even the positive accounts that are under my name and social security Equifax does n't let them report them. I have proof of letters from all the banks that I have accounts in so they can report those accounts in Equifax because they are good accounts and make my credit good and better. Also I have two months calling all week to solve this problem because only with Equifax , I do n't have any problem with XXXX or XXXX, these companies report correctly but Equifax does n't. I have reached a conclusion that I have n't been only victim of identity theft but also a game of the personnel that work with Equifax. This complaint I would want the team of executives to see and do a review because this problem has become a game a joke towards me. Every time I call they are only going to do a ticket and every ticket they do n't solve anything. Also where are the positive accounts like XXXX XXXX ( credit limit XXXX ), XXXX XXXX ( credit limit XXXX ), XXXX XXXX Credit Business ( credit limit XXXX ). Where are these accounts that were opened in between XX/XX/XXXX and XX/XX/2015 and I know because I have the letter in proof that these banks have sent in the reports, the only problem is Equifax because they do n't want to report these accounts. I am sure that XXXX that if these accounts were negative Equifax would be the first to report them, because they are here only report the negative not ever the positive. This agency is here only to damage the profile of me and I am sure many other people. They have a horrible system and a personnel that is badly trained and horrible as well and they do n't solve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I uploaded to Equifax a copy of a Lien Release Notice - Lien Recorded in Error signed by a California XXXX XXXX XXXX representative and a copy of the same release that was filed. This document is the only document that is provided by the CA XXXX. Equifax is insisting that I need to show them a Lien WITHDRAWAL Notice, even though the Lien Release Notice I provided to Equifax clearly shows that the lien was filed in error ( which means that the lien should not appear on my credit report ). Equifax is insisting on a document that the CA XXXX will not provide. This makes absolutely no sense and means that, even though anyone reading the Lien Release Notice would conclude that the lien should not appear on my credit report, this lien will continue to show as " Released '' and negatively impact my credit score. Also, when I spoke with XXXX Equifax representatives, they told me that no one had read the evidence I had uploaded, which means that Equifax 's review process is nothing close to reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recently got a mortgage and now I have numurous hard inquries on my credit reports. 
I have talked with XXXX equfax about an account XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XX/XX/XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All Collection or Charge-Off accounts on credit report should reflect a closed status. By leaving the status as open, my balance has changed several times from the collection and/or charged off amount. My understanding is that " Open '' accounts influence your credit score much more harshly than " Closed '' accounts. If a company has " Charged Off '' or sent your account to " Collections '' should n't it be closed from reporting every month as a revolving or installment account?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX is reporting on my Equifax credit report 3 times, account numbers XXXX in which it is the same XXXX account reporting 3 times. This is a fraudulent account and does not belong to me, it belongs to XXXX XXXX. I have attached a letter from XXXX acknowledging the debt is her and that I had no knowledge of. I am asking for you to please remove these XXXX accounts as they are not mine. I have attached a copy of an incident report from the XXXX XXXX XXXX. I am submitting my mortgage document with my signature and the year of my XXXX XXXX XXXX residence. Then I am attaching a copy of the letter from XXXX acknowledging the debt. Lastly, I am sending a copy of my property tax document, which shows I did not reside at the residence on the application, during the period of the application, I resided at my current property XXXX XXXX XXXX XXXX . I have been residing between the XXXX properties over 15 years, Yes, I am also attaching the application page that was submitted to CFPB from XXXX in which it is clear that is not my signature on XXXX 's application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX XXXX XXXX XXXX that I paid off and closed the account several years ago but it is still showing up in my credit report as being open. I would like to have this account removed from my credit report as it is no longer active.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My mortgage broker is unable to see my Equifax report. I called Equifax and they told me I have a fraud alert. I never had a fraud alert on my report and as of a couple weeks ago there was none on my report and I asked for none to be put on my report. They told me they would take it off. My broker still can not see my credit report, yet can see all of the others. I believe that Equifax is punishing consumers for disputing items on their credit reports by blocking their files from being accessed. Again, there is NO fraud alert on my credit report, I can see that on XXXX/XXXX/15 there is no fraud alert listed. But yet that is what Equifax claims. I have seen online others complain of this same issue with Equifax though I can tell the the Equifax and the bureaus have been able to employ and suppress negative information regarding their anti consumer bad deeds otherwise the first XXXX pages of a google search would be filled with more problems. I want Equifax to be investigated for these type of retaliatory activities. And I want my Mortgage Broker to be able to see my credit, it should be that hard as I only have XXXX name and XXXX address and XXXX social security number!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax is listing fraudulent account information on my credit report. I have never signed any documents, agreements or contract with this company. I requested proof from Equifax, I requested copies of the original signed dated contract. No contracts or agreements exist with my signature that shows I allegedly owe XXXX XXXX XXXX XXXX. Account Number XXXX. I informed Equifax that this was a fraudulent account opened in my name. Equifax informed me to send an identity theft report and they would remove the XXXX XXXX XXXX XXXX. Account Number XXXX in 7 days. I sent Equifax the Identity Theft Report as instructed. Equifax still will not remove the account from my credit report. 

Equifax is knowingly and purposely violating the Fair Credit Reporting Act, which states once an Identity Theft Report is received, the fraudulent information is to be blocked from showing on the credit report in 4-7 business days. In addition, no documents, contracts or agreements exist with my signature. Please make Equifax remove, XXXX XXXX XXXX XXXX. Account Number XXXX from my credit report, for violating the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Lionstone Holdings Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This company has called my work issued phone threatening to file with the XXXX County Court on a Saturday. When I asked for what, the gentleman got extremely rude and defensive. I have since blocked the calls. Now they have made several calls to my XXXX year old mother. She has told them each time to stop calling her and to remove her from the list. She decided to call and the gentleman she spoke to was rude and told her that she can not tell him how to do his job and that there is nothing stating to stop the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: General Motors Financial Company, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
GM Financial has a fraudulent account in my name. They 're refusing to remove it from my credit report after I 've provided them with my identity theft report and identity theft affidavit. I did not open this account or apply for it. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: General Motors Financial Company, Inc.
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got a loan for a car in 2005 from GM Financial. They are reporting my late payments incorrectly. They keep changing the month and year of the XXXX late payment everytime it get 's close to being XXXX years to remove it. They are also reporting on my husbands credit report for the same loan but putting different information on his than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed my account with Chase Credit Cards on XXXX XXXX 2016. I spoke with a representative by the name of XXXX and asked her to mail me a letter verifying that I requested this close. I also asked her to make sure it was " frozen '' in a state on no interest until I paid the balance in full. She confirmed this. In XXXX I made a regular payment then on XXXX XXXX I called in to pay my balance in full. I was upset that they never sent me a letter and logged the closure as their doing thus effecting my credit score. However, I asked the representative to give my my balance in its entirety. I paid this over the phone via my checking account. Verified again that it was paid in full and closed and was told YES. Three days later I received a bill in the mail for {$10.00} INTEREST charge!!!! I called in on XXXX XXXX 2016 and spoke with a manager who said they could do nothing ... it was interest and the representative is not responsible to calculate this when I am asking to PAY MY BALANCE in FULL immediately????? I do not feel this is proper business practice and feel they need to eat that interest since it was my request from XXXX to close and freeze the account!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Santander Bank 's lack of transparency and customer service is detrimental to the consumer. Specifically, the information provided on my money market account lacked accuracy and timeliness. The interest rate, which I understand can be changed at anytime, is not communicated until the monthly statement is released and in this instance it was incorrect. As such, the first communication of the rate appears on the monthly statement. Since I am able to calculate daily interest rates myself, I monitor the account on a regular basis. From XXXX XXXX to XXXX XXXX, I noted a change in the interest rate. I phoned the branch and they told me the rate was reduced XXXX % ( from 1.25 % to .75 % ). They could not tell me the actual date. That same afternoon, I phoned their customer service. I spoke with XXXX XXXX, who told me the statement was produced on XXXX XXXX but was not yet available online. He expected it the next day and agreed to call me the next morning. On XXXX XXXX, when I did not hear from XXXX XXXX, I telephoned the service center and spoke with XXXX XXXX. She told me the statement was produced and the rate appearing on it was 1.25 % ( how could this be if the rate had been changed to .75 %? ). XXXX XXXX, during our conversation, told me she was having a problem with her computer and would call me back in five minutes. She never called back. Several hours later, I called the branch ( XXXX XXXX XXXX ), expressing my anger and disappointment and stating I needed to hear from someone in authority at the executive offices. I have not. Bottom line, one would be over one month in arrears in knowing actually what they are earning on their funds. This is good for the bank but unfair to the customer. Santander should update the account website with the interest rate being earned. They already show a vast amount of other pertinent data. One could conclude they do not want the customer to know.

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
Consumer complaint received 2016-03-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer, Rushmore Loan Management Services, did not pay my property taxes. I sent them the bill multiple times, contacted them by phone and mail. They promised to investigate but the taxes are still overdue. There is more than enough money in the escrow to pay the taxes but they have not done anything. I do n't know how to handle this. 
The tax bill is already overdue with assessed penalties and could go to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: SC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I keep getting harassing emails and phone calls from a loan company. I attempted to pay them back several times but they will not send me any paperwork in the mail of how much I have paid or owe. The amount that they want me to pay is hundreds over what I borrowed. They threaten me with jail, court summons, and all kinds of legal actions.

Company response to consumer: Closed with explanation