BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on  XXXX   XXXX   XXXX  I took subscription for  XXXX .Account number  XXXX  On  XXXX   XXXX  equipment was shipped by  XXXX .   On  XXXX   XXXX   XXXX  send cancellation email.   On  XXXX   XXXX  confirmation email received of returned equipment Now I see on my credit report there is a collection filed on  XXXX   XXXX   XXXX  by  XXXX  for {$460.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Siggi LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The loan companies Omni, XXXX, XXXX XXXX  and XXXX XXXX too allotments out keeping me financially Crippled. Beginning in XXXX to XXXX. I will attach the credit report b

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a transaction and it was declined. We went to the restaurant and the place was over 100 degree and they didn't do anything about it. We barely touched our food. 2 of us got very sick. I tried with the merchant and the bank and I am not getting anywhere. 
XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX CAPITAL ONE BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Paypal Holdings, Inc
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
So I was just buying things in ebay with my debit card and when I bought things it said that it that the payment was unsuccessful and when I looked in my purchase history it said that I had bought it, I contacted the sellers but no response yet ... .Did I lose my money for nothing?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Westlake Services, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I HAVE HAD A LOAN WITH WESTLAKE FINANCIAL FOR ABOUT 5 YEARS. ON XX/XX/2022 AT XXXX XXXX  I CALLED INQUIRING TO HAVE A LATE FEE WAVIED, WHICH THEY SAID NO. WHICH IS FINE, MY REASON FOR THE COMPLAINT IS BECAUSE THE REPRESENTIVES AT WESTLAKE LIED AND MISREPRESENTED THEMSELVES AS SUPERVISOR WHEN THEY WERE NOT. WHEN I SPOKE TO THE Representative XXXX I ASKED FOR A SUPERVISOR WHICH HE TRANSFERRED ME TO XXXX EMPOLYEE NUMBER XXXX. XXXX IDENTIFIED HIMSELF AS A SUPERVISOR. LATER IN THE CALL HE TOLD ME HE IN FACT A TEAM LEAD AND XXXX WAS HIS MANAGER. I TOLD HIM THIS DIDNT MAKE SINCE AND AFTER MAKING XXXX TELL ME THE TRUTH WHO WAS WHO, XXXX FINALLY CAME CLEAN AND SAID XXXX WAS JUST A REPRESENTATIVE AND XXXX WAS THE TEAM LEAD. XXXX HESITATED TO GIVE ME HIS DIRECT SUPERVISORS NAME DIRECTLY. AFTER ALMOST 2 HOURS ON THE PHONE I FINALLY GOT A MANAGER, WHO I HOPE IS A MANAGER, XXXX EMPLOYEE NUMBER XXXX AND TOLD HIM OF OUR COMPLAINT. WE CAN NOT COME TO A RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Jason A Craig, PC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The whole issue started from me never receiving a bill from the hospital that apparently the hospital then sent for collection. The debt collector agency keeps calling me repeatedly, when i ask them to provide a copy of the bill they refuse doing so saying that they do not have that information. The lady on the phone keeps hanging up on me when i ask her to provide information about the charges I have to pay for and she keeps raising her voice on me and starts yelling that she will send it to my credit report, she is doing all of that while yelling at me and constantly interrupting me. They also called me the first time saying that I owe one amount ( something between {$900.00} and {$1000.00} ), but sent me a notice with a different amount ( {$720.00} ), that is why I requested the copy of the bill that would explain what charges are being put on me, but she just keeps yelling and hangs up on me. The notice ( " Account Status '' ) was sent to me after I requested a copy of the bill or explanation of charges over the phone, but they sent me just simple account status with amount charged being different from what they told me over the phone. I do not know how to talk to her as she is being very aggressive while i am trying to resolve the issue. I tried talking to the agency several times but the lady ( always the same person ) just keeps harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: NY
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 account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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 2016-02-05
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i received a letter from Citibank saying that they will close my account for some reason, I have done my banking with them for over 15 years with direct deposits and bill pay. I called to find out why and was advised to go a branch and was not given a reason why. all I needed is to know the reason behind the decision decision to close my account. I have not done any wrong doing, there are bank institutions wanting my business ... ..no wonder they are called " XXXX bank '' ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this request for the following reasons : 1. I have not received a response regarding the incorrect information on my credit report from the credit reporting agencies in many, many months ...

2. There are late payments on my credit report but I was never late on these accounts 3. There is incorrect or old information on my credit report that should not be there ... 
I have properly notified XX/XX/XXXX, TransUnion and XX/XX/XXXXregarding these issues multiple times, however, the incorrect information is still showing up and I don't know what else to do at this point. I am not receiving any 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 2020-03-11
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
I had an auto loan with Toyota Financial Services. I was involved in a car accident of XX/XX/XXXX in which my vehicle was totaled. I did not have GAP insurance but a manager at Toyota Financial allowed me to make monthly payments until my balance was paid off. My balance was around {$3500.00} or so. 

I made monthly payments around the same date as I always did prior to my accident, every month, between the XXXXt and XXXX of the  month. Toyota Financial never expressed any concern regarding when I made my payments. On the last month, in XX/XX/XXXX, I paid off the balance on the account which was {$490.00} dollars. When I spoke to a rep at Toyota Financial, she had told me they closed the account so it wouldn't get charged anymore interest, but she was able to accept my payment anyway so I could pay off the account. Come to find out, that was actually a lie, and they had charged off the account for {$490.00} and sent it to a collection agency which I was not aware of and the rep had never told me that when it had already been charged off days prior to my phone call and payment. I had to find out for myself when I checked my credit report and saw what they were doing to my credit.

I called Toyota Financial, and demanded that they update my  credit report and remove the charge off status, when I indeed paid off this account in full. And I have the receipt to prove it. Toyota refused to update the account, and they have not even updated the balance and it has been well over a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this request for the following reasons : 1. I have not received a response regarding the incorrect information on my credit report from the credit reporting agencies in many, many months ...

2. There are late payments on my credit report but I was never late on these accounts 3. There is incorrect or old information on my credit report that should not be there ... 
I have properly notified XXXX, XXXX  and Equifax regarding these issues multiple times, however, the incorrect information is still showing up and I don't know what else to do at this point. I am not receiving any information ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Self Financial Inc.
State: MA
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Someone has stolden my identification card with all my information in it, also says I have a morgage in which I never aplied for. I do not even have a house at this present time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: DISCOVER BANK
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a refund from XXXX XXXX for my stay at their hotel. Discover found in my favor, then reversed. I sent a copy of the Refund ticket to Discover, see attached, Discover still continues to bill my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions 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 disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, and all the other negative items I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly.

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 2016-01-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax Is willfully reporting inaccurate information on my credit report Acct XXXX # XXXX XXXX # XXXX I disputed XXXX accounts they were showing open and delinquent past due. After the dispute it now states zero balance and closed. I Also disputed with XXXX and they removed /Deleted off of my credit report. All XXXX Credit bureau 's need to report the same information but Equifax Has not Remove/ deleted the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account with PNC on XX/XX/XXXX using a promotional code. I deposited a direct deposit for the amount they requested and I was sent an email confirming the direct deposit, which can be provided. Now they are claiming that the deposit was not a direct deposit and refuse to pay the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Equifax consistently has false and outdated information and their online dispute resolution kicks you off automatically if your computer refreshes the page. It then locks you out of your account unless you fax them information. In this day and age, faxing is a rather significant hardship for most people, since almost no one has access to a fax machine. I believe this is to make it intentionally difficult to call them to account. Furthermore, they provide a number to get " priority access to a live customer agent '' when in fact it is simply an automated line to send you a hard copy of your report that can not be used for any other purpose. Their everything seems designed to simply make you give up. Where is the accountability?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX issues that I have talked to Equifax about and nothing has changed. 

1 : First all my father and I have the same name and address so some of his stuff got reported to my credit. I did however get his accounts taken off BUT XXXX of his inquiry 's stayed on. I disputed it but Equifax left those XXXX on. XXXX was XXXX financial and XXXX XXXX. XXXX XXXX is XXXX 2015 and the XXXX loan ( NOT CREDIT CARD ) from XXXX 2015. 

2 : I had XXXX accounts I DID NOT dispute was taken off my credit and I would like them back. Equifax told me to call the merchant. The merchant told me since the account was paid in full and in good standing and closed Equifax would have to put it back.. The XXXX accounts i want back on my credit are XXXX : XXXX also known as sterling XXXX XXXX : was capital one/ XXXX XXXX. Please ADD those XXXX accounts back to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-29
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had my current VA mortgage sold to Freedom Mortgage for servicing and am being inundated with calls and emails to refinance. When I have constantly asked for my name and contact information to be put on a do not call list or restricted call list to not contact as I will not be refinancing my mortgage with Freedom mortgage ever. In a call on XX/XX/2020 @ XXXX XXXX the Freedom Mortgage representative acknowledged that they did not have my name or number on a list and if it was they do not check the list as they only make calls. I alerted the representative that I would be reporting them to the CFPB for constant harrassment and failures to abide by do not call lists

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 2020-04-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with CACH LLC/RESURGENT CAP Account # XXXX and XXXX XXXX account # XXXX, Account # XXXX. I am not responsible for any payments for this account. I have no business with CACH LLC/RESURGENT CAP, XXXX XXXX and its successors. CACH LLC/RESURGENT CAP and XXXX XXXX is " third-party debt collector ''. This collection agency typically buys unsecured credit card debt from companies. I do not have a loan or contract with CACH LLC/RESURGENT CAP and XXXX XXXX or owe a debt to CACH LLC/RESURGENT CAP and XXXX XXXX is attempting to collect a debt on the basis of fraud. CACH LLC/RESURGENT CAP and XXXX XXXX has report false, derogatory, defamatory and slandering information about me to the 3 credit Bureaus on account # XXXX and account # XXXX which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! CACH LLC/RESURGENT CAP and XXXX XXXX decided to ignore my demands for Validation and delete the negative information immediately on my credit report. 
Over the past several months, I have tried to resolve this issue on XX/XX/2020 and XX/XX/2020 by Demand to Cease and Desist ALL Collections Activities and filing a complaint FTC but to no avail, refusal. CACH LLC/RESURGENT CAP and XXXX XXXX decided to ignore my demands for Validation. The item was not being reported legally and lawfully. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately.I will further pursue all of my legal remedy without further notice to companies. Please Remove/delete CACH LLC/RESURGENT CAP and XXXX XXXX, immediately!

Company response to consumer: Closed with explanation