BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-03
Company: Pinnacle Credit Services, LLC
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello, Pinnacle indicated that they have purchased this collection note from another agency. I have requested verification of the debt from Pinnacle and they have failed to provide any verification, or direct contact name and phone number of who can verify the collection information. 

Pinnacle continues to report this to consumer bureaus in error and also note that the disputes have been resolved, which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Pinnacle Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please see attached narrative regarding complaint. Collection agency took illegal steps and filed a XXXX against me with the XXXX. ( Narrative and complaint filed by XXXX advocate on behalf of the individual named herein. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$9500.00} as income. This is false, I did not receive that amount. I only received {$1000.00} and included a copy of check I received. Now that I am filing my taxes, It looks like I received {$9500.00} when in fact, {$8500.00} were attorney fees, paid directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Auto Trakk, LLC
State: SC
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I DISPUTE THIS ACCOUNT WITH ALL XXXX CREDIT BUREAUS. THIS CREDITOR REPORTED IT AS ACCURATE AND STILL REMAINS ON MY CREDIT REPORT. I ASK FOR VALIDATION AND TO THIS DATE HAVE NOT RECEIVED ANYTHING. ACCORDING TO SC LAW UCC-5 AND STATE RISA AND MVISA STATUES A DEFICIENCY CAN NOT BE CLAIMED UNLESS ALL OF THE REQUIRED NOTICES WERE PROPERLY AND TIMELY GIVEN AND ALL OF THE ALLOWABLE REDEMPTION AND CURE TIME LIMITS WERE ADHERE. 
I ALSO ASK IF THEY WAS LICENSE TO REPO. THEY DID NOT FILE A POLICE REPORT AS WELL. 
I NEED THIS ACCOUNT DELETED FROM ALL XXXX CREDIT BUREAUS ASAP!!! IF NOT I WILL SUE $ 1000/VIOLATION!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My sister died on XXXX XXXX, 2016. Since this date we have been trying to contact TD auto finance, the company which holds the loan for her car, so we could pay the car off. Every time we call, we are placed on hold -- once for over an hour. Ultimately, we are asked to leave a message, which we do, but it is never returned. We have faxed them numerous times -- only once did we get a response back -- and this response was telling us the pay-off amount and that it had to be paid off by XXXX XXXX, 2016. Ever since this, we have called almost every day and we have sent several FAXES telling them that we would like to pay off the car and to call us so that we could pay by credit card or whatever method they prefer. We still have heard nothing from them. The deadline is approaching and we are sitting in limbo and feel as if we have no recourse. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-29
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was just hired on to a job. When my employer did my background check, they said that my social security number was tied to another name! I went online to the annual credit report website to get my credit reports, but I was n't able to even view them because it said there was discrepencies with my social security number! I need to get my credit report so that I can view it in order to file a police report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been a customer with Capital One since XX/XX/XXXX. I currently have a {$2000.00} credit limit. I have always paid on time and 9 times last year I paid between $ XXXX on my bill. I have applied 2 times for a credit line increase, most recently in XX/XX/XXXX. The credit increase was declined stating that my average monthly payment has been too low. Last year I made a total of {$2700.00} in payments which averages out to approximately {$220.00} per month.I recently obtained my credit score from XXXX and it shows that I have a credit score of between XXXX ( XXXX ) and XXXX ( XXXX ). 
Based on my payment history and credit score I feel that I have been unfairly denied credit on the basis of my race or age.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a bill from XXXX hospital that insurance was supposed to pay. After communications back an forth and it going to collections XXXX found out it was a mistake on their part. They had it erasedone from my credit but in the process erased everything I had earned and worked for. Ex : on time payments length of credit number of loans etc. So I had to essentially start over which was never the agreed plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Financial Management & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received threatening letters from Financial Management & Associates stating that I owe a {$50.00} debt to XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have called on behalf of my XXXX XXXX ( XXXX ) and maintained contact with the servicer, Great Lakes, indicating I am still unemployed and can not pay the requested payment amount. I called recently because my payment went from an agreed upon $ XXXX/month to $ XXXX/month. I CAN BARELY AFFORD {$75.00} ... much less the more than quadrupled amount due. When I called and asked for income based repayment, they said they could not offer me any reduced payment options " they 're hands are tied because it 's a not-federal loan ''. I said I could not possibly make the full payment but had already paid the {$75.00} and now this month I have seen my credit score dropped XXXX points again. THIS IS REVOLTING!!! Without credit in this country ... a human ca n't live! 
Please help?!!? They are bullying me! Please also note the attachment from an email whereby the creator of the loan from XXXX agreed that Great Lakes was not doing an adequate job of servicing me. Yet he did n't do ANYthing about the extra fees & interest piling up on my account during that time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: TD BANK US HOLDING COMPANY
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I transferred funds from my TD Bank in the U.S to my T.D XXXX Trust bank account on XXXX XXXX, 2016. I had done this type of transfers many times before with out an issue. The transfer on XXXX XXXX, 2016 did not show up in my account in XXXX and 10 days later I received funds back in my T.D Bank in US but I sent {$4000.00} USD and I received back {$3900.00} USD. Even though, I was explicitly told by the bank that there is no fee to transfer funds between TD USA and TD XXXX accounts. I called TD Bank and USA and they told me it is XXXX side that charged the fee and XXXX Side is not aware of the fee charged. They have charged me {$42.00} USD for some fee that is no where on any statements anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08
Company: CORELOGIC INC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are hard credit inquiries on my report I did n't authorize.

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 2015-10-09
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have XXXX mortgage accounts with the same company which misapplied the payment for XXXX account to the other making the payment late. When we ask for a correction XXXX payments was put into an expense account, not crediting either account making the payments late and reporting it to the credit bureau. XXXX account we 've had for 11 years and the other for 9 years and have never been late on either XXXX. The problem started back in XXXX and have not been totally corrected as of this month and it 's now XXXX. We are still receiving calls from them stating that our payments are late although they have received payment and the checks have been cleared. How do we stop the harassment and get our credit back to the way it was?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX HAS NOT UPDATED MY XXXX XXXX LINE OF CREDIT ACCOUNT WITH A CREDIT LIMIT OF XXXX TO REFLECT A ZERO BALANCE AND ZERO MONTHLY PAYMENT. ****************THEY CAN NOT DISPUTE ACCOUNT AS MORTGAGE COMPANY DOES NOT ALLOW ANY DISPUTES ON ANY TRADE LINES ON ANY CREDIT BUREAUS***************** THEY NEED TO PICK UP THE PHONE AND CALL XXXX XXXX XXXX XXXX DIRECTLY! IF EQUIFAX JUST OPENS UP ANOTHER DISPUTE, THEY WILL CAUSE EVEN FURTHER MASSIVE PROBLEMS AS THERE CAN NOT BE ANY DISPUTES ON MY CREDIT REPORT AND BESIDES THAT, IT WOULD TAKE 30 DAYS. TIME IS OF THE ESSENCE***** THEY NEED TO PICK UP THE PHONE AND MANUALLY REMOVE THIS BALANCE. 

I SENT IN A LETTER FROM XXXX STATING THIS ACCOUNT WAS PAID OFF AND EQUIFAX TOLD ME IT WOULD TAKE 24-48 HOURS TO UPDATE AND IT HAS BEEN OVER 2 WEEKS! EQUIFAX SIMPLY CAN NOT DELAY THE PROCESS ANY LONGER. 

I AM CLOSING ON A MORTAGE ON XXXX/XXXX/2015 AND THIS MUST SHOW UP AND PAID IN FULL AND ZERO CURRENT BALANCE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I like to inform you that these items on my credit report should be removed. Because I do n't owe any balances to the company. I never open a secured credit card with XXXX. I am going to provide the letter from XXXX that proves I never open the account. At this time I like for you to remove them from my credit report to reflect my true accurate credit report. So, that my true character will be shown to my current creditor and other creditors whom inquire about my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in a continual modification with Seterus. On XXXX I had spoke to XXXX at XXXX and he stated that he could n't tell me anything about my modification because I was being represented by legal counsel. I told him that I sent you information on this last XXXX that I was not represented by legal counsel. He told me that he has no documents and told me to send it again. I asked him to tell me exactly how does he wanted spelled out. " No longer being represented by legal authority counsel. Remove counsel on file. '' It was faxed to them on XXXX. On XXXX/XXXX/XXXX I spoke with XXXX XXXX and he told me that the fax was showing in their system. On XXXX I spoke with XXXX XXXX and she confirmed my modification has been set for trial payments of 3-4 starting XXXX XXXX. I paid her XXXX & XXXX in the amount of {$840.00} for each month. I called and paid XXXX with no problem. When I called for the XXXX payment, XXXX XXXX, they took my monthly payment and told me congratulations the modification has gone through for {$840.00} a month. Then she put me on hold, came back and told me that she ca n't proceed anymore because I 'm being represented by an attorney. She also told me that their attorney, XXXX needed to be contacted by me before XXXX XXXX with signed documentation. I also need to send Seterus a letter stating that I am not represented by legal counsel and that she did not have any documentation of my fax from XXXX. 
The last time I paid my 4th payment in the modification process, they told me I was in default and had to start the process all over again. That was in XXXX. I paid close to {$4000.00} then. They are unorganized and each time I talk to someone at Seterus they tell me something different from the last person. Frustrated. I feel like I 'm being taking advantage of their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: NE PROCESSING LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a voice mail on XXXX/XXXX/15 and XXXX/XXXX/15 from XXXX XXXX with XXXX XXXX XXXX stating that they will file charges on me and take me to court if I did n't respond within 72 hours related to a debt they supposed to have bought and it is now in their office. I have not responded to these calls because I don not live in XXXX County where they are supposedly filing a suit. I do not know what they are talking about because I have not received any notifications from these people via mail.I believe these people are scam artists or at least using illegal tactics trying to get money. When I looked up the number for the caller ; I see they used to be XXXX also NE Processing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: SUN WEST MORTGAGE COMPANY, INC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, Sunwest Mortgage, is repeatedly calling my mother and my ex mother-in-law and leaving messages for me, by name, asking me to call Sunwest mortgage. I have never put the phone numbers they are calling repeatedly on my account. In fact, I just recently updated my phone number with Sunwest mortgage in XXXX so they do have a correct phone number for me. I can not imagine that this is legal? This is embarrassing and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
A charge of XXXX Not For an XXXX is reflecting inside of my background and it shows XXXX next to this offense. This charge was dismissed and should not reflect inside of my background.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
TD Bank XXXX XXXX XXXX Bank NA ) REFUSED to provide my XXXX score and reasons for denial of a declined loan application. 
( in violation of the Equal Credit Opportunity Act XXXX They only provided the toll free number to the credit reporting service XXXX automated system that could not provide any information ) XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is the second compliant I have filed against Equifax for the same reason and the same credit card company. I am fed up with Equifax, if the cant report the correct information maybe the should be in a different business. This makes me think they sabotage consumers credit intentionally. I have a credit card with XXXX that is not over the limit and the payments are up to date. The Equifax is reporting that my credit card is over the limit and 120 days past due, this is a flat out lie. Again, I ask why are n't the other credit reporting agencies reporting this nonsense, no one is reporting this but Equifax. My next step is to file a lawsuit against Equifax for intentionally reporting incorrect information. After they reported this incorrect information this caused my credit score to drop XXXX-XXXX points. I have documentation showing this credit card IS NOT behind and its not 120 days past due! I am sick of incorrect information being reported by this bureau. I want my credit report corrected today!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX was used online fraudulently. I notified Wells Fargo, they cancelled the card and said the fraud dept would investigate the fraudulent activity. They then proceeded to report that I was late with payments!!!! The balance was from the fraud! I 've never been late with a payment in my life!!!! My credit score is tanking ... Pls help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: JNR Adjustment Company, Inc
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 'm a victim of identity theft and someone open up account in my name they even rented a car in my name and now it 's on my credit report. JNR Adjustment, it was removed from my XXXX report but not from XXXX report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I signed up for the XXXX XXXX month period with Equifax.com, and when I signed up, they charged me XXXX XXXX, XXXX charges instead of their so called deal. When I spoke with them, the fail to give me a refund for charging me XXXX. Plus, their score is so underrated that I had to consider signing up with other credit bureaus because Equifax credit score is so low is hurting my credit history. Equifax should be placed out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has a voluntary surrender of a vehicle on my credit report with an account they could not verify with actual documentation. The creditor refuses to validate the account and equifax just take their word for it with no documentation. They refuse to remove it off my closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Late fee

Complaint:
I had a credit card with Orchard Bank. Orchard Bank was bought by Capitol One. When the billing moved over to Capitol One my automatic payments were stopped and resulted in missed payments. When I noticed I called Capitol One to find out what happened. They could not give a reason why they were stopped. They agreed to refunding all the late fees that were charged and apologized for the error. I have attached a copy of the statement showing the refund. I have asked them many times to remove the late payments from my credit report and they just send a letter saying they are reporting correctly. As soon as I noticed that the payments were not getting applied to my acct I immediately called and paid the past due balance as well as set up the new automatic billing. The late payments are greatly effecting my credit. This was no fault of my own. I never had a late payment with Orchard Bank, and have not had XXXX late payment with Capitol One sense I discovered this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Hello, Equifax has block/removed my profile information within their monitoring system ...! I use Equifax monitoring system to monitor my credit. Every since I responded to case number # XXXX. Showing that Equifax stated they an inquiry was not reporting to my credit, but once you look on their monitoring system, you can clear see the information still reported my profile ... Now, today when access Equifax Monitor System it displays no information at ALL!!! 

I have complained about Equifax adding a number of different account to my credit and report and they have yet to resolve the issue and I have got denied credit because of their errors ... Please see the attachment, which clearly shows Equifax Monitor and with no data for me, but I 'm a paying customer that had data before they were caught not being honest. 

My score was fine on XXXX XXXX and after that a number of BAD ACCOUNTS WERE added to my credit report by Equifax including a number of inquiries ... I have requested Equifax to place my account as it was on XXXX XXXX and they have yet to do so. 
I have attached both of those reports from the XXXX XXXX and XXXX XXXX, please see the difference.

Company response to consumer: Closed with explanation