BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AFTER CHECKING MY CREDIT REPORTS I DISCOEVERED THAT XXXX HAD REPORTED DEBTS OF SERVICE IN ANOTHER STATE WHERE I PREVIOUSLY LIVED. I CONTACTED THE SERVICE PROVIDER AND THEY INDICATED THAT THEY WERE COLLECTING A DEBT FROM FIVE YEARS AGO. DURING THE DISCUSSION THE XXXX REPRESENTATIVE STATED THAT THE COMPANY HAD NO OBLIGATION TO PROVIDE ME A FINAL BILL OR ANY INDICATION OF THE EXISTENCE OF THE DEBT PRIOR TO THE COLLECTION. THE COMPANY WAS INFORMED THAT SINCE XXXX, I HAVE BEEN A VICTIM OF IDENTITY THEFT AND REQUIRED SUCH INFORMATION TO BE PROVIDED IN TIMELY MANNER TO AVOID THESES SITUATIONS. THE REPRESENTATIVE STATED IT WAS A " COURTESY '' FOR EVERSOURE TO PROVIDE NOTICES OF ALLEGED DEBTS AND WAS NOT OBLIGATED. 

EVERSOURCE VIOLATED FAIR CREDIT LAW INCLUDING THE FOLLOWING : Debt collector communications concerning identity theft. If a person acting as a debt collector ( as that term is defined in title VIII ) on behalf of a third party that is a creditor or other user of a consumer report is notified that any information relating to a debt that the person is attempting to collect may be fraudulent or may be  the result of identity theft, that person shall ( 1 )  notify the third party that the information may be fraudulent or may be the result of identity theft ; and ( 2 ) upon request of the consumer to whom the debt purportedly relates, provide to the consumer all information to which the consumer would otherwise be entitled if the consumer were not a victim of identity theft, but wished to dispute the debt under provisions of law applicable to that person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am sorry to say I did not keep records of the dates I contacted Toyota Financial. But I can tell you I've talked to at least 10 different Reps and 1 Manager. I have paid my car payment on time EVERY month plus {$100.00} Extra accept I didn't pay the extra in XXXX or XXXX. They have now turned me over to their collection department saying I owe them {$200.00}. They even sent me an itemized statement showing my payments and still will not acknowledge they have made a mistake. They are trying to ruin my credit and over money I don't owe them. All I can say about Toyota Financial Services is Buyer beware. And they don't have an email you can send your information to. You either have to FAX it or snail mail it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed credit information for some time. I have now provided you with information on the mortgage company under complaint # XXXX credit bureaus are not conducting an investigation, even though I have provided them with documentation that the information they have is incorrect. 
I have challenged wrong accounts three times. 
They only wait for the company to respond and say the information on the account is correct, and do nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
TD Bank offered an Introductory APR of 0 % for a XXXX credit card they provided. I began accruing interest charges after the 2nd billing cycle. I inquired about the charges via telephone and explained that I was supposed have a 0 % Introductory rate. They denied this and that they did not offer such a promotion so I requested to have my terms and conditions for the account emailed or inquired where I could view them on my personal online dashboard. The only option was to have them mailed which took 10 days. The mailed documents confirmed in the Interest Rate and Fee Schedule ( page XXXX, document XXXX ) that there is a 0 % Introductory APR for the first XXXX billing cycles for Purchases. I called them to inquire again about the unjust interest charges according to the terms and conditions of the account. They continue to deny that they offer such a promotion and have requested that I fax the Interest Rate and Fee Schedule ( page XXXX ) to them for them to review. Why do I need to fax it back when they just mailed it to me? The review process takes at least 5 days. All the while my account continues to earn interest when it should n't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-16
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage has been with Seterus for a number of years ; I did n't " chose '' them -- they took over an existing loan. I have had minor problems with them in the past but recently they did not send me my bill until shortly before it was due. As a result, I neglected to make a payment until the last minute ( not intentional -- I was just used to receiving the bills well in advance of the due date ). In XXXX instances, I tried to make the payment online but was unable to do so due to technical issues with their site. When I called in, they let me make a payment over the phone but charged me extra. Even though I complained about this the first time, it happened again with respect to the bill due in XXXX. When I called in, they let me make the payment over the phone but insisted that I pay the surcharge. When I complained they said they would drop the surcharge from {$10.00} to {$5.00} XXXX which is what the website would have charged XXXX but, infact, they charged me {$10.00}. So, my complaint is regarding their negligece, their tardiness, the difficulty of using their website, their inconsistency, and the fact that they did not do what they said they would with respect to the surcharge. I think they are incompetent and are gouging me. Loan number is XXXX, Their phone is XXXX. Fax is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently opened a store card at Nordstrom. I made a purchase of XXXX that day, and a few days later, returned XXXX of the items ( - {$37.00} ). A few days later, more than {$1000.00} of unauthorized purchases were made. I did not find out until I received my statement today. I do n't even have a physical credit card yet, just a ( now expired ) temporary card that is essentially a receipt containing a bar code, nor have I been able to set up online sign-in without a copy of the credit card and full CC number. The unauthorized purchases were all made on the same day, in two Nordstroms ( one of which was the store where I made the return, the other was a nearby Nordstrom ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX  XXXX & XXXX is reporting me late on my credit report when in fact my credit cards were compromised in the months of XXXX, XX/XX/XXXX, and XXXX of XXXX. 
I contacted XXXX XXXXXXXX XXXX and explained what was happing to my accounts. The representative disputed the charges and informed me that I was not responsible for making any payments until my account issues were resolved. I was also informed that I would be notified when to resume my payments. I was never notified by XXXX XXXX when payments resume. Because my bank account was compromised as well when capital one resumed collecting payments it was from a bank account that was already closed which resulted in them reporting my accounts as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
transunion and and XXXX has not updated the inquiries on there acct.

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 2020-03-30
Company: Home Point Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complete package on XX/XX/20 for loss mitigation assistance. Called 20x to make sure all was received. It has taken them weeks to get back with me requesting more documentation. Sent in requested documentation only to get a letter back that we dont qualify for any programs. No reason why, just denied on all accounts. We want to save our home and I am now working making more money than I did when I got the mortgage but they will only tell me that now I dont make enough. I am happy to provide them what they need but the communication is horrible with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I own a XXXX company, I built a XXXX at a Local Mall, last winter, they owe me a large amount of money and refuse to pay, I am now taking the client to court, this has financially drained me. I had a XXXX XXXX, was hospitalize, and for some reason the insurance did n't cover 100 %, so it went to collections. This collection agency, calls every week to either my wife or myself, making harassing remarks such as they will seize our property or assets. I told the collection person XXXX, we will pay this debt as soon as we reach a settlement concerning my Mechanical Lien towards the XXXX I built. Right now, there is a hold on my bank account by the XXXX for XXXX XXXX XXXX Taxes that are owed, so it is essential I follow through pursuing getting my monies owed to me. Because my client refuses to pay me I have properly through my XXXX, will be foreclosing their XXXX holdings.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Credit Bureau Services Association
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency is reporting inaccuracies in the debt from my report due to the amount being different from what the original creditor is saying I owe. I have filed two disputes because of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/XXXX I notified Equifax Credit Reporting Agency that I noticed unauthorized and unrecognized inquiries on my credit report, the following are a list of said inquiries that were fraudulently placed on my credit report. 

XXXX on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXXXXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX ON XX/XX/XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX  and and experian has not updated the inquiries on there acct.

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 2022-12-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I recently traded a XXXXXXXX XXXX in for a XXXX tundra at XXXX of XXXX XXXX. In the deal they agreed to pay out my old truck at XXXX XXXX which is what I owed and to sell me the new truck for XXXX XXXX. When I got my first bill it was close to XXXX XXXX. I contacted the dealer to find out they only paid XXXX XXXX for my trade and they added XXXX XXXX dollars in extra warranties and insurances I had didnt know even existed. They never gave me a copy of the contract. They wrote the wrong name on the contract. They also never explained any of the contract which is required by law they do. I have since had them remove the extra charges yet my loan amount is still XXXX XXXX so my payments are still for an XXXX XXXX loan. Also my i street rate is for the XXXX XXXX as well. I never agreed to this amount. I have contacted XXXX XXXX several times and the dealer as well and I was told at the dealer I have to buy another vehicle and I have to pay sales taxes on the new and old vehicle. I just spoke to the sales manager today and was just hung up on and told i can refinance which I cant or buy a lesser vehicle and pay the sales taxes on both the vehicles. Then he hung up on me. Ive been contacting the dealer about this since XXXX as well as XXXX XXXX. Nothing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: MO
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:
These 2 accounts are fraudulent and I'm demanding that they be removed immediately from my credit file. These accounts are not mines nor do i have any knowledge of them.

1. XXXX XXXX XXXX {$540.00} 2. XXXX XXXX XXXX {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I had fraudulent activities on my debit card. I called TD bank to make them aware that I did not make those charges. They told me that I had to wait for the charges to be posted to my account in order for them to dispute them. Their 3rd party fraud department contacted me to let me know that these people are still trying to pull money from my account and asked if I wanted them to block the charges and I told them yes. On the 14th the charges posted and the bank filed a dispute. My account went into - {$90.00} and then I was charged an overdraft fee of {$35.00} which put my account into - {$120.00}. I transferred {$270.00} to my account from XXXX XXXX. When I transferred that money because of the negative balance it took the {$120.00} from the {$270.00} to balance my account. Now today on the XXXX my account was credited the amount that was fraudulent of {$310.00} and the overdraft fee was not credited and the balance from my {$270.00} was not credited. I called the bank and they are rudely telling me that they do not owe me any money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23
Company: Jim Bottin Enterprises, Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX   Agreement number:  XXXX  To whom i t may c oncern : I signed up  for 1  membership. For the last year I have been charged for  XXXX  memberships. When I contacted the gym they acknowledge the error. They said they had been charging my credit card with my son 's membership bill because we have the same na me ( he  is a  XXXX   ). Th ey said if they are successfully able to charge the correct account they will remove the additional charges from my account, but if they are not able to charge the correct account they could n't remove the  XXXX  membership charges from my account. I have been unable to get any further information on the status of correcting the account other than " they are working on it ''. My son has his own credit card and is an adult,  XXXX   XXXX   XXXX . I do not pay his bills.   This is an account error within the company 's billing system. Customers should n't be charged or penalized for the company 's financial mismanagement of customer account.   I am requesting a refund in the amount of {$210.00} and for  XXXX   XXXX   XXXX   XXXX  to  be notified of ABC Financials billing error and stop collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender notified me to upload my insurance policy. I followed the steps provided to upload the documents however my account could not be found on their insurance portal ( separate from the mortgage portal ). I tried calling the lender multiple times however was unable to get through to a person for assistance. On XX/XX/XXXX, the lender purchased insurance for {$600.00} with my escrow account despite my property already having insurance. I tried uploading the insurance policy again and was successful in accessing my account on the insurance portal. It has been 1 week now and I have not received a response. I have tried calling and even sent a message on their website but have been unable to speak with a human.

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 2018-01-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute LVNV Funding LLC account number # XXXX on all 3 of my credit reports.. The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2017-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This mechanism has been designed to inform you that back in XXXX and XXXX, my mortgage was with XXXX XXXX XXXX, I was on a repayment plan in the amount of {$460.00} per month. In XXXX XXXX XXXX XXXX bought out XXXX mortgage, then would not keep me on the payment plan that I had so they offered me a refinance plan in the amonkunt of {$1000.00} dollars a month. I had a subprime vendor on that loan at the time in which they did not remove it during the XXXX XXXX. Therefore I struggled to pay the {$1000.00} dollars a month for about 11 months. I then could not keep up the payments. They would not lower the monthly payments, and they stated that I was not eligible for the harp program in which I was qualified at that time. After reading that the Federal Government had sued XXXX XXXX XXXX for foreclosing on properties that they did not own. That is when I had to send in my complaint. They do not own my property either. XXXX owns my property. And XXXX is XXXX XXXX XXXX XXXX XXXX. Something is wrong. I was a victim in this fraud process with XXXX XXXX XXXX as well. Can they really do this to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: JH Portfolio Debt Equities, LLC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I fell behind on credit card payments so it was sent to a collection company. They called my work phone, I stated clearly and firmly that they CAN NOT use this number as a contact and gave them an acceptable number to call. Today at XXXX they called my desk phone again. I may lose my job over this

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 2016-06-10
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have REPEATEDLY requested my credit report from Equifax both online an over the phone and they do not respond appropriately and claim to not have the requests. They insist I FAX a copy of my drivers license to them! Absurd! No one has a fax machine anymore, and funny how I can access the other XXXX companies without issue. They have very obviously multiple errors on my account, and I have tried to dispute them online, by email and phone. They have never sent or displayed my report through them, the " security questions '' they ask to access online are WRONG-NOT MINE- so the " correct '' answer, none of the above, makes them deny me access! I have had no trouble whatsoever getting into my accounts with both XXXX and XXXX recently, and they did have XXXX error each, but that is all, and corrected it immediately and without hassle. Equifax has given me this run around, has obvious errors, as their FICO score is nearly XXXX points off the others and they ask me " security '' questions which are NOT MINE AT ALL and then ignore my complaints about such. Meanwhile, I am being denied the best rate for my new car purchase, which I deserve, thanks to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I already wrote that I had always my XXXX when l go to hospital I do n't know why they bill me please help me I have XXXX for 22 years I 'm starting to XXXX XXXX bless whom could help.

Company response to consumer: Closed with non-monetary relief