BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is reporting a derogatory mark on my credit as a Collection. I have disputed the charges as this debt is not mine. I am a victim of identity theft and I sent them a copy of my Identity theft Affidavit and still reports on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XX/XX/2022, I agreed to a COVID-19 payment deferral agreement with XXXX. 
XXXX XX/XX/2022, XXXX wrote a letter saying my new monthly payment will be increasing by over {$1000.00} to {$4400.00} to make up for an escrow shortage. 
XXXX is requiring me to make up the escrow shortage over a 12 month period. 
If the shortage was spread over 60 months rather than 12 months, my payment should go up by only about {$200.00} rather than by over {$1000.00}. 
XXXX XXXX  requires that escrow shortages as a result of a COVID-19 payment deferral agreement must have the shortage spread over 60 months ( and not 12 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wayfair citi is still charging me for fraud {$70.00} that is not mine ... the fraud happened before I even received the card ... I've called multiple times about this and it took me 7 times to get through to customer service who could not verify my identity... I was on hold forever and customer service was rude and dismissive.. 

These are not my charges This went to collections which affects 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 non-monetary relief
Consumer complaint received 2023-06-02
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

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 2023-07-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I paid off the amount in full to Toyota Financial services. 
Since then I am trying to get my title and to no avail. I was calling every week to check when I will get my title. 
They told me I was calling to inquire about it, but never requested the title even though I was asking every time when will I receive the title. Finally someone helped removing the lean and sending the electronic title to the DMV ( according to them to GA dmv ).

When I called GA dmv they said they dont receive electronic titles, just hard copy. 
I am keep calling Toyota and the person there does pick up the phone, but not talking ( called XXXX already ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Gap XXXX Barclays has retroactively increased my interest rate. According to my credit card statements they are charging me higher interest on an old balance that was originally set at a lower interest rate. 

A 2009 law bans credit card complanies from retroactive interest rate increases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Resurgent Capital Services L.P.
State: LA
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:
I previously submitted complaint # XXXX for this company that is reporting info that is damaging to my credit. They have refused to remove their reporting. I have since found that they are reporting discrepancies on my credit report. Incorrect Reporting of account status : Closed account reported as open, Incorrect date of last payment, date opened, & date of first delinquency. The incorrect dates falsely manipulates the statute of limitations. 

I am demanding a deletion of the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Name : XXXX XXXX XXXX : XXXX SS : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone : XXXX Companies involved : XXXX Account Number : XXXX Persolve Legal Group I received last communication from XXXX XX/XX/XXXX Stating I owed {$14000.00} on a repossessed car. 

on XX/XX/XXXX I had phone communication with XXXX and they stated that the last reposted total was {$10000.00}, they would not not give me a date on this. I asked for a statement to be mailed to me and they stated it was no longer in their hands as they had written if off. 

All credit bureau 's and Persolve report we owe {$24000.00}. As of XX/XX/XXXX We have tried talking with Persolve with little to no response over the last 5 years. They are not willing to settle for anything other than the {$24000.00} amount to which I believe is not correct, they are not willing to correct the amount or look into the possibility of the discrepancies. I have asked for statements to also be mailed to show what all they are collecting. I have never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have mailed the credit reporting companies and the company ( Arkansas Child Support ) that is reporting to them. They always reply that the account is verified but havent provided me any proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: MD
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 bring to your attention a significant error on my Equifax credit report, which is negatively impacting my financial opportunities. My correct name is XXXX XXXX, and my current address is XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX. However, the Equifax credit report is displaying the name XXXX XXXX and an incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX. 

I have already contacted Equifax multiple times to address this issue, providing them with the necessary documentation to verify my correct name and address. Unfortunately, despite my efforts, Equifax has failed to correct this error and ensure that my credit report reflects accurate and up-to-date information. 

This erroneous information has caused significant difficulties for me, particularly when attempting to obtain credit. Lenders and financial institutions rely on accurate credit reporting to assess my creditworthiness and make informed decisions. The incorrect name and address on my Equifax credit report have created confusion and inaccuracies, resulting in denials or unfavorable terms for credit applications. 

Equifax 's failure to rectify this error is not only a violation of their duty to ensure 100 % accurate credit reporting but also a violation of the Fair Credit Reporting Act ( FCRA ). As a consumer, I rely on the credit reporting agencies to maintain accurate and reliable credit information, and Equifax 's inaction has severely compromised my trust in their services. 

I kindly request your intervention in resolving this matter promptly. It is crucial that Equifax corrects the name and address information on my credit report to reflect my accurate and current details. This will not only restore the integrity of my credit report but also ensure fair and accurate evaluation of my creditworthiness by lenders and financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded in my XXXX Mazda XXXX. The company I bought the new vehicle from paid off the lease. Payment was received by Mazda Financial on XX/XX/XXXX but they have not posted the payment to the accounts saying they need additional information from the dealership that was paying off the lease. I spoke with the dealership and they have faxed this information to Mazda three time and have fax receipts to prove Mazda has received them. In the meantime my lease end date was XX/XX/XXXX so Mazda is charging me additional lease payments for extending past the lease end date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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:
someone stole my credit card and used it, it was a XXXX XXXX XXXX XXXX. XXXX XXXX took care of that immediately, but then on XX/XX/XXXX I got a XXXX XXXX hard inquiry on my XXXX that I did not inquire about, I called to get that taken care of but they told me the inquiry wouldn't come off for over 100 days. 

on XX/XX/XXXX I got a hard inquiry on my XXXX from XXXX XXXX XXXXXXXX, I called them to get it taken care of and got told the same thing and that they will be placing a fraud alert on my credit. 

XX/XX/XXXX I received a fraud alert from XXXX a credit pull was attempted by a bank named XXXX XXXX 

back in XXXX XXXX I received a letter in the mail letting me know my information had been apart of the Equifax data breach, so I'm afraid this could have something to do with this unfortunately. 

I have since then locked all 3 credit bureaus but whoever is trying to steal my identity is calling these companies claiming to be me, trying to log into my XXXX account I'm assuming to unlock my credit, and going as far as posing as the department of real estate sending me a letter claiming they need my finger prints, I called the DRE to confirm this letter and they confirmed it was NOT them and to please disregard the letter they never sent that to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened this account a few days ago and today i added this account through my employers payroll site XXXX  and linking mynvirtual card to XXXX  And just about half hour agoi received a few emails first stating my cards were restricted, then and email stating the closure of my account for suspicious activity. No specific reason was given. I attached and circled the reasoning why accountnwas closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent out a letter to all the credit bureaus plus creditors in regards to an account that was reporting fraud on my account. The account was removed for almost 2 months and now it has reappeared on all 3 bureaus, UNACCEPTABLE. I did not receive any steps on how this fraud account was verified, which is false. I am a victim of identity fraud and I have sent all docs confirming as well. That is illegal per 15 usc 1681b IF AN ACCOUNT IS NOT MINE IT CAN NOT BE FURNISHED. There is no wet signature or anything proving that the account is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: U.S. BANCORP
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
To whom which may concern, I bought the {$500.00} Master Gift card ( ending in XXXX ) at a grocery store on XX/XX/XXXX. When I tried to check the balance and register the card, it said I needed to call in. Then I made the call on the same date and the representative told me the card was deactivated due to safety reason. He asked me to submit a form online XXXX XXXX XXXX XXXX XXXX then it would take about one week to get the replacement card. I then went to the website and filled in all the required info the same day. However, I have not received any replacement card as of today XX/XX/XXXX. I called the customer service several times and they said they did not receive any of my forms. I tried to go to the website to submit the form again but the website kept saying " Your request can not be completed at this time. Please contact the number on the back of your card. '' The phone representative could not help and even hung up my call. Is there a way to get my money back? It has been about three weeks!

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 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
There is misInformation on my credit report about this account. I've never obatian this account before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a detailed formal letter to Equifax via USPS Certified mail on XX/XX/2023. My letter outlined the concerns that I had regarding specific accounts that were being reported by their bureau as well as a detailed explanation as to why I wanted the inaccuracies investigated and corrected appropriately ; I also attached two FTC reports with documentation for the accounts in question and a copy of my drivers license and Social Security card in order to verify my identity. I contacted Equifax on XX/XX/2023 and spoke with a supervisor named XXXX, who informed me that although Equifax confirmed that they received my dispute and deleted one item from my credit report that was found to be inaccurate they did not investigate any of the other 5 accounts in question, nor did they keep record of the letter or supporting documentation. 
I filed a formal complaint with XXXX and was then advised that perhaps the documents hadnt been scanned into their system yet and that I would hopefully hear back from someone at Equifax regarding my formal complaint. I find Equifaxs complete failure to investigate this matter and lack of record keeping to be a violation of the FCRA and would like some form of action taken against the representative at Equifax who failed to properly investigate my dispute and lost my original letter and supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX will not investigate my account under FCRA. The account is incomplete due to they can not provide Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance They replied with a billing and with no longer will reply. I demand you guys to fully to investigate this item. This Company illegally supplying information and not acting accordingly to the FCRA Act about furnishers duties. Please help me make them cooperate fully before I escalate. How could a collection be terms for 1 month?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C . 1681 section 602 A. States : I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666b states : a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any reason I have not been late on these payments, I've requested the company send me verification that these accounts were late and that they sent written instructions and they have not sent me anything. Please remove these late payments from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I Have deposited a check of {$30000.00} into my account on XXXX XXXX it took 7 days to verify. they was able to verify it by calling the sender of the check who is a person I have been knowing his name is XXXX XXXX. he seen my struggle in life and decided to help me fund a new business of XXXX 

I used the ATM and XXXX to send funds to another person to get some equipment. reason why it is because we had a four day holiday BANKS were close and I needed to have some fund available, about {$10000.00} TODAY XX/XX/XXXX I tried to use my card and it would not let me, I tried to login in my account and I could not. SO I called pnc and asked for help instead they put my funds on hold and request me to wait XXXX days for them to review funds. funds that they was previously able to verify I and the person who wrote the check are willing to go in into the branch to see What is going on

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: IL
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 sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
I am so XXXX and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

Company response to consumer: Closed with non-monetary relief