BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: GA
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:
ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS ( XXXX XXXX ACC # XXXX, XXXX ACC # XXXX AND XXXX XXXX ACC # XXXX ) TO CREDIT FILE AND ALL STUDENT LOAN REPORTING INCORRECT ( 11X ) DATA OF THE SAME PAYMENT HISTORY NOT UPDATED " OK '' STATUS/ " R-1 '' AND NEVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
There have been several calls to the financing company regarding lowering the interest rate ( 25 % ) to a reasonable rate ; the monthly note is nearly {$500.00}. This appears to be usurious and possibly discriminatory. An attempt was also made to get an extension ( XX/XX/XXXX, XX/XX/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 2020-05-05
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XX/XX/XXXX, I responded to a mailer that I received at my home from Suntrust/Truist Bank. I accepted an offer to open a credit card so that I could initiate a balance transfer with a stated interest rate of 4.75 % for 3 years. I was approved for the card and interest rate. When I received the card I called on XX/XX/XXXX and spoke to XXXX to perform the balance transfer over the telephone. XXXX again stated the interest rate would be 4.75 % for 36 months, ending on XX/XX/XXXX. I was told that the call was on a recorded line and I want somebody to listen to the call to verify that I was promised the interest rate that I list in this complaint. The balance transfer was scheduled and went through ( {$6800.00} ) with an agreed upon 3 % balance transfer fee and a 4.75 % interest rate for 36 months. I set up automatic payments to the bank through my checking account. On XX/XX/XXXX, I checked the account online and I saw that my interest rate was 15.5 %. I attempted to call on XXXX and was taken through an endless automatic phone tree and was never able to speak with an individual. On XX/XX/XXXX I got through to an individual named XXXX. XXXX said she was unable to assist me and she would get a supervisor. I held for nearly an hour to speak to supervisor XXXX. I was ultimately left to wither on hold for 90 minutes, and nobody ever returned to the phone. It is fraudulent to promise one interest rate and charge 3x that much. Further, it is corporately amoral to refuse to come to the telephone to assist your customers and resolve your fraudulent practices. I will post this story online in as many places as I am able, and will tell this story about Suntrust/Truist to anybody who will listen. Ultimately, I will pay off this card, close the account, and move all accounts out of Suntrust/Truist. This is a despicable way to treat customers. I have never had a late payment on any account I have with your bank. I will remove myself from your bank as quickly as I am able and will encourage others to do so, as well.

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 2023-01-23
Company: Thaxton Investment Corporation
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have been sued by a finance company for {$10000.00} plus fees. The motorcycle was purchased by an individual by the name of XXXX XXXX who has stolen my identification she also had stolen the motorcycle from the XXXX XXXX XXXXXXXX XXXX XXXX  XXXX of 2020, after being in a crash by someone. I submitted a fraud claim with the company and also did an identity theft report on the individual who did this to me. When I received documentation from the XXXX XXXX XXXX I was given a copy of my ID that is unverifiable from an email that I sent to an XXXX  management back in the beginning of the 2020 and along with forged documents of my name. I informed the finance company of everything and provided them with police reports and fraud reports but nothing worked in my favor. Now I am being garnished and my credit report has been ruined due to this situation. Ive also gave what I could on the motorcycle, but Im still in a hole and need help. I did try to do an small claims but it was denied as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Resurgent Capital Services is mail me a collect on an old debt that date end XX/XX/2010 violate statute of limitations debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Experian Information Solutions Inc.
State: GA
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 have been a victim of identity theft back in XXXX of XXXX, and someone opened a XXXX XXXX  Account in my name fraudulently. I have disputed this account with Experian numerous of times and they still have not blocked/removed this account from my credit report. They did one time in XXXX of XXXX but reappeared back on my Experian credit file in XXXX of XXXX. I am very upset because Experian is violating the FCRA of reporting fraudulent information on my credit report. I have given them a police report, an identity theft affidavit proof of identity documents. Also, XXXX XXXX keep verifying this account as accurate, which I am filing a complaint against them as well. I am very dissatisfied with Experian because they are not taking this matter serious, and it is affecting my credit score rating with Experian, which is hindering me from obtain credit with favorable interest rate. Please have Experian to remove/block the XXXX XXXX ( Charged-Off ) account ending in XXXX from my Experian credit file.

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 2019-04-11
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nationwide Recovery Systems is reporting on my credit bureau a balance due for their client XXXX XXXX XXXX XXXX of {$430.00} for a service rendered date of XXXX. I had insurance during that ER visit, confirmed with the insurance company that the hospital filed a claim. It appears that this collection agency 's client did not submit a claim. My insurance representative spoke with the collection agency and asked for them to provide proof of claim filing and they would be able to rebill. The collection agency was not cooperative as they stated their client did not have insurance info provided to them by the hospital. The collection agency needs to contact their client to provide proof of claim and remove this debt from my credit files until their client processes their claim properly. I will fully insured and am not in a position to pay out of pocket an additional {$430.00} due to a providers billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Exeter Finance Corp.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report and saw that there is a hard pull on my credit from your company. 

I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. 

Therefore, I believe that I am a victim of Identity Theft. 

Please contact the credit bureau at once and have this had inquiry removed. 

Please send me confirmation that my request has been honored. 

Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
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: Public record information inaccurate

Complaint:
I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The mailing address was changed on my credit card accounts without my requesting that my address be changed. My credit car company can not explain how this change occurred. Not only was the address change on my account, but also on the accounts of other cardholders that live with me. The credit card company can not tell me when the address was changed or by whom it was changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 wrote to the TransUnion credit bureau, File # XXXX and disputed items from US Dept of Education and and XXXX XXXX XXXX XXXX on XX/XX/2020. The credit bureau did not remove the items. Also, XXXX and XXXX credit bureau is reporting same incorrect 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 2017-12-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company bought this debt from the now defunct XXXX XXXX XXXX which attempted to charge me {$44000.00} for air lift for my so whom was severely injured in a rural area of Georgia in 2014. I believed that XXXX XXXX XXXX XXXX covered this expense and XXXX XXXX XXXX stopped contacting me. Meanwhile, unknown to me, Wakefield Associates,  continued to report me to collections and charge me interest.My son was covered under my medical policy at the time. This has ruined my credit.

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 2019-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with Capital One. In response, I received a letter dated XX/XX/XXXX stating, in part, that : " ( W ) e were unable to verify the following information : Address '' and requested that I call immediately. After being on hold for more than 15 minutes, I spoke with " XXXX '' who told me my address was fine. They had to verify my identity and want my driver 's license. I told him that should have been requested in the letter. I also told him I refused to provide driver 's license information over the phone. I told him Capital One 's business practices were deceptive and he told me he would cancel my application. Capital One should write an honest letter and provide justification for the information they are requesting. Since other companies approve online applications, Capital One should do so too. If their application isn't complete online, they should update it or remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was in the planning stages of getting a home mortgage with WF. I was encouraged by my mortgage broker to open a bank account with WF as this would facilitate the loan process. I opened the account with {$50.00} ( I was told I could start the account with as little as {$25.00} ). I was not told at the time that there would be monthly service fees if my account balance was below a certain minimum ( and evidently the minimum was greater than {$50.00} ). 
Logically I would never have opened an account with less than the minimum required to avoid monthly penalties. Ultimately I decided to get my home loan with another lender. When I went to WF to close the account I was told that the account was already closed and that the balance of the account was XXXX at the time of closure. Evidently, WF removed monthly fees until all {$50.00} was removed and then closed the account. I never received any notification that this money was being removed from my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
1. XXXX pulled my credi three times - I never gave permission to " XXXX XXXX '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give Equifax permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or XXXX XXXX. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: IL
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 and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9, 10 and 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a phone call from XXXX  XXXX XXXX in XXXX GA on XX/XX/18 regarding an amount they say that I owed to hsbc bank, the individual had information such as the last 4 digits of my ssn, past addresses, current address, names of relatives, marital status, cars Ive owned, employer and other information. Every time I would ask them to send documentation proving that I owed this debt and to prove this is not a scam he would remind me what information they have and threaten to come to my job or home. He said that I have a legal suit against me by hsbc and that they will take action if I do not pay. The information sounded convincing so I set up a payment arrangement to pay the debt. After the fact I XXXX the company and the address, the address belongs to XXXX mail store. No website or anything. I also do not have any record of owing hsbc. I saw hundreds of complaints just like mine. I contacted my bank for information about the transaction and it appears the money that I authorized them to draft went to a XXXX account???? What legit debt collector receives money through a XXXX acct? I have stop the payments that have been drafted until there is absolute proof that I owe this debt, itemized statement and something stating this is a legit company that is licensed to collect for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Card services is reporting on a debt I do not owe. My account information was stolen and fraud charges were committed. A police report was submitted, and I was told this debt would not be my responsibility by XXXX XXXX. This debt is not mine and needs to be removed off of my credit file.

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 2019-04-11
Company: Experian Information Solutions Inc.
State: VA
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 recently obtained a new credit card with Bank XXXX XXXX. XXXX sent me a letter saying my credit score had been downgraded due to four factors, three of which are absolutely wrong. The letter directed me to contact XXXX the event of any issues. Experian adamantly maintained that they don't generate the credit report, just the score ( my call was transferred several times to several countries, but they all said the same thing ). One rep suggested I try to fix the problem on line, but I found that that is not possible because the website 's canned scenarios don't cover this situation. I called Bank XXXX XXXX, and they said that in fact it is Experian that generates the credit report and the credit score. When I tried again to use Experian 's website to resolve the issue, the relevant links on their own site turned out to be broken. Can you assist in correcting my credit report and credit score? Thanks! 

P.S. A copy of the relevant page from the XXXX letter is attached.

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 2020-05-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, I am writing in regard to {$8000.00} which is currently missing from my bank account. I will try my best to provide a timeline as followed : XX/XX/XXXX I sent {$8000.00} to BMO Harris from XXXX XXXX. The money was not immediately received and so I had to open a claim with XXXX. They provided me with a temporary credit. Afterwards, the credit was reversed. On XX/XX/XXXX, {$8000.00} was deposited into my BMO Harris account. On XX/XX/XXXX, the {$8000.00} was reversed back to XXXX. This is all the information that I have access to according to my bank statements. 

I am beyond upset at the lack of help and understanding that I have gotten from both XXXX and BMO Harris. Every time I have called, both banks tell me that they don't know where my money is and that the other bank most likely has it. Today, XX/XX/2020 I called and spoke with a representative from BMO Harris and he told me he would look into it and give me a call back. I have not received a call and now he is not picking up his phone. I spoke with a representative from XXXX on XX/XX/XXXX, and she told me that their records show that the money was transferred back to BMO Harris and that XXXX no longer has it. 

This {$8000.00} is all of my savings up until this point and I can not afford to hire a lawyer to help me. I don't know what to do or what my next step would be. 

Thank you

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 2019-04-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I reported my Vehicle as paid off from XXXX XXXX   XXXX formerly XXXX XXXX. This information was given to XXXX and Equifax via an upload of document mailed to me by the creditor and a case for dispute opened. 
XXXX reported the case as resolved stating this will remain on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX is reporting on a debt I do not owe. My account information was stolen and fraud charges were committed. A police report was submitted, and I was told this debt would not be my responsibility by XXXX XXXX. This debt is not mine and needs to be removed off of my credit file.

Company response to consumer: Closed with explanation