BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: NC
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 am a natural person, I am a living human being, I have the rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Capitol one credit card and have had nothing but issues constantly with no help. Customer service always hang up on me and refuse to move me to a manager. The APP I use for my card refuses to set my autopay through the Capitol one checking. I recently got restricted and my account closed because of one reverse payment that was the fault of the APP and now customer service just keeps hanging up on me and refusing to help. Literally absolutely no help. Now Im worried about my credit report because I have been killing my self to keep everything perfect. I need help. I feel like Im being forced to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Agency, everything on my credit report has to be 100 % accurate Equifax Stated that my account was properly investigated but how is that possible if the balance they are reporting is inaccurate. I checked with the original creditor to make sure. Equifax is also reporting a past due balance on a repo which goes against the statue of limitations. This is grounds for removal The also violated my rights under 15 USC 1681 section 602 A Stating that I have the right to privacy 15 USC 1681 Section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I contacted BOA on XX/XX/2015 @ XXXX to report a fraudulent transaction on my BOA MasterCard. I 1st spoke to XXXX in customer service who found the charge in question and transferred me to the fraud dept. where I spoke with XXXX who said he could not see the charge in question and after a ten minute hold gave me the direct fraud # of XXXX and transferred me back to customer service. I then spoke to XXXX who again, found the charge immediately and transferred me back to the fraud dept. I spoke to XXXX there who also saw the charge but tried to say she would file a dispute and let me know something within 90 days ' I explained again that this was an unrecognized and unauthorized charge and I was reporting fraud, not a dispute, she put me on hold for 15 minutes, came back on the line to say she was still checking something and put me on hold for another 15 minutes. After I explained that I was on my lunch hour and been on the phone for nearly an hour I simply told her that I would let the CFPB handle the matter for me. She finally said my account would be credited and a new card issued within 5-7 days, I requested my new card be overnighted and she said fine she would do that. The basis for my complaint is that the XXXX people I spoke to in fraud dept. were extremely rude and unhelpful until I threatened to complain to the CFPB, why after being a customer of BOA for 20+ years should I have to be lied to, badgered and put on interminable holds just to finally have BOA follow the law. It bothers me greatly that these agents are allowed to use only first names and not provide an i.d . # or some other sort of identifier. It seems they hide behind this anonymity and use it as a device to be rude to customers. I am writing this complaint because at this juncture, due to how I was lied to and treated by these BOA employee 's, I have my doubts if they will actually follow through on my claim. I do n't understand, are these people paid a " bonus '' for not returning fraudulent charges to customers? They certainly act as though the refund is coming from their own paycheck by being so rude and uncooperative. As soon as my credit is issued I will be certainly changing banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, My name is XXXX XXXX and I have disputed a collection account with the credit bureaus and the collection company ( LVNV Funding LLC ) on several occasions now. I disputed with XXXX, XXXX, and XXXX  on the following dates. ( XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - and XX/XX/XXXX ). They never validated the debt. They only sent response letters stating verified without providing me with the proper proof of verification based on the law. After my third round of disputes, I was asked to provide two for of identification, but i had been attaching my Valid State ID and Social Security ID since letter one.The amount is for {$410.00}. I sent all mail certified and notarized. I recently seen that XXXX  has deleted the collection. However, XXXX  and XXXX  has not. If XXXX  couldnt validate the debt, how can they? This is not my account and I need it removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: AL
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 recently received a copy of my credit report and found that the credit bureaus are still illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection/charge off with a past due balance. This is a violation of the FCRA and also in violation of the requisite METRO 2 complaint reporting standards. 

According to the Fair reporting act. I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate and verifiable. 

Please remove this accurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and Metro2 reporting standards as well as these accounts removed. 

XXXX. XXXX XXXX XXXX balance {$100.00} XXXX XXXX {$480.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXXXXXX {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Alliance One, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There was no option for my issue. I am trying to get in touch with this debt collector. I have a XXXX XXXX account with them and my financial situation has changed and I have to cancel the payment arrangement I have with them. I have contacted them XXXX times and left messages that the payment needed to be cancelled and it was drafted out my bank account anyway, with no call being returned. I feel this is unfair and illegal business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Convergent Resources, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello I have been trying to open a credit card for a long time now and I keep getting denied I looked at XXXX and I seen A credit card opened XXXX XXXX I get several texts saying account blocked from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX And got a letter for a cell phone company I do not use that went to collections - XXXX Also A installement company and I never used installments

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 2022-08-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I made an agreement with the company XXXX XXXX to pay a settlement amount of money to have the account closed and to stop reporting on my credit report. As of XX/XX/XXXX I received notification that the company is now reporting my account to Equifax as a charge off account and that there have been on time payments made to this account since XX/XX/XXXX. This is inaccurate as the account is closed as paid for the settled amount. The amount I paid for the closing of this account was {$800.00}. This has flagged my report made my credit score decrease on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Alliance One, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In 2008 I was in a car accident which caused me to go to court pay restitution. All off the restitution and court fines and fees were oaid promptly ( mostly out of my bail money ), Since my monetary commitment to the court was taken care I thought I had taken care of at least the monetary portion of the " punishment ''. After 3 years all the charges were dropped to misdemeanors and I waited the 5 years that they suspended my license at which point I thought I could reapply for the driving test and get my license back but instead I was told that I owed the DMV over {$1300.00} in fines and fees. This was never discussed before or else I would have taken care of them with the rest of the fines and fees of the court. Instead of telling about them either through the phone or the mail they instead waited a whole 72 hours and then gave them to a collections agency which has been accruing interest over that past 5 years.I was told that if I made a {$250.00} payment to this collections agency they would allow me to take the test as long as I agreed to make monthly payments to the collections agency. This seemed wrong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted an EFT form to PNC Mortgage XX/XX/XXXX authorizing monthly electronic mortgage payments to be made commencing XX/XX/2017. I highlighted the date that this process should start and PNC Mortgage failed to process the form correctly. PNC Mortgage electronically took the XX/XX/XXXX mortgage payment out of my checking account on XX/XX/XXXX. PNC Mortgage told me that I would have to wait one week to get my money returned by mail once PNC Mortgage received a letter from my bank guaranteeing the funds that PNC Mortgage already has taken from my account prematurely. I made my XX/XX/XXXX mortgage by mail and it was paid on XX/XX/2017. I was told by customer service that my next payment is due XX/XX/XXXX. This is an undue hardship for me and I want reimbursement for the overdraft fee of {$36.00} that my bank is charging me and well as my payment of {$650.00} electronically transferred back into my account immediately PNC Mortgage refuses to EFT my account for their taking of my money prematurely. This is money I need now to pay other bills and PNC Mortgage will only operate their way and I think it is outrageous that it can prolong reimbursement to a consumer for an overpayment of a mortgage payment especially. It is n't like it 's a {$25.00} charge ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On or about XX/XX/2020, my auto loan was purchased by Santander Consumer USA. With my previous lender, I had been submitting extra payments monthly by mail as principal only payments. 

A payment of this type was mailed to the original lender on XX/XX/2020. It was clearly marked as principal only and was forwarded to Santander. It was credited to my account on XX/XX/XXXX and back dated to XX/XX/XXXX. Instead of being applied to the principal, the payment to date shows as an additional monthly payment. 

As a result, I have been charged extra interest. Also, my auto pay shows no payment due until XX/XX/XXXX, even though the next payment was due today, XX/XX/XXXX. 

After numerous contacts via chat, email, phone and secure message over the past 2 weeks, the issues remain unresolved. Each time I make contact, I request to be escalated either to a supervisor or a decision maker. Each time, I am told that is not possible. 

To further complicate the issues, I have received contradictory information about making extra principal payments in the future. One representative told me I could make the payments online and another said they had to be mailed. The latter did not provide a mailing address. 

The fix is simple but the bank has made no effort to date to resolve the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: STONEGATE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was attempting to apply for a " partial release of real property '' with Stonegate Mortgage. I began by contacting them onXX/XX/2016.I was told by XXXX that I needed to do several things such as 1. get a new survey 2. appraisal 3. history of my mortgage payments 4. sales contract 5. tax information. I began to do these things. XXXX/XXXX/16 I talked to XXXX XXXX XXXX at Stonegate and was told I needed Form XXXX. He emailed me a copy of form XXXX that day. I continued to work on the application. On XX/XX/XXXX I talked to XXXX XXXX XXXX. He sent me a copy of the survey in their records of my property. I was also told for the first time that nothing would happen unless I sent a letter to Stonegate requesting the partial release. I sent a letter out that day. I also received an email from XXXX XXXX XXXX with a account of my payments to Stonegate Mortgage. On XXXX/XXXX/16 I had my package prepared except for the new survey which was completed on XXXX/XXXX/16. Now on XXXX/XXXX/16 Stonegate sent me an email that my loan was stating transferred on XXXX/XXXX/16. They could not do the partial release. The email also said I would receive a letter before XXXX/XXXX/16 advising me of my new servicer. I did not receive the letter by XXXX XXXX. I called XX/XX/XXXX and was told it would arrive within the week. I did not receive the letter today XXXX/XXXX/16. I called Stonegate and was told my loan would n't be transferred until XX/XX/XXXX. But they also could n't do the partial release either.I am waiting for a call back from a supervisor. I have this all documented. My loan number is XXXX. My phone number is XXXX. My buyer is getting very anxious as I am. It has been 5 monthe of runaround on this. Please help! Thank-you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
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: Their investigation did not fix an error on your report

Complaint:
I notified back in XX/XX/XXXX of the idenity theft that occured. You ignored the facts and the law and continued to furnish inaccurate, misleading, false, incorrect, and fraudulent on my consumer credit report. Shame on you Equifax. Then you have the nerve to send me a letter on XX/XX/XXXX advising me that you are not blocking any of my information disgarding my request, livlelyhood and privacy. I have been dispuyeing with you monthly for 9 months now. You say the information is verified, Yet you have no problem violating my livelhood and privacy reporting false negative items beacuse your making money off of these fraudulent accounts, you XXXX In the letter you also state that you will be verifying information on my behalf. Help me undstand how you are going to come up with a validation for a note, contract bearing my wet signature. I have sent each creditor 3 validation letters and not one has responded to me but they are going to respond to you? Delete these fraudulent accounts AND INQUIRIESimmediately. Then you mail another letter on XX/XX/XXXX Stating that you are reporting suplicate collection accounts. YOU are reporting DUPLICATE FRAUDULENT COLLECTIONA ACOUNTS THAT DO NOT BELONG TO ME! Then you go on to say that my credit wothiness ws impacted when I was applying and being denied for credit or couldnt afford the item because the interest rate was too high and false.THESEaccounts have lowered my score and buying power. I have since filed my SECOND FTC REPORT # XXXX and a CFPB report # regarding this matter. Look forward to hearing from them.My my my my HOW DID YOU VERIFY AND VALIDATE THESE ACCOUNTS? VERIFIED BY WHO? 

THE EOSCAR MACHINE? EMPLOYEE? WHICH ONE? WHAT DATE? WHERE IS THE VERIFICATION AND VALIDATION THAT YOU SAY YOU HAVE BUT YOU WILL NOT SHOW IT TO ME? YOU SAY ITS MINE BUT I CANT SEE IT? YOU WILL NOT SHOW ME VAILDATION OR VERIFICATION BECAUSE THERE IS NONE THIS IS FRAUD. DELETE THE ACCOUNTS IMMEDIATELY.I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my consumer reports via XXXX and Equifax, and XXXX gave denied my request. I would like my consumer report and credit file from both companies and XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: ENOVA INTERNATIONAL, INC.
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 had a loan with net credit acct # XXXX in XXXX of 2020 i caught XXXX, i was in XXXX for XXXX XXXX  before comming home. i was home for another four months. trying to recover. i didnt return to work till XXXX of XXXX i always made company aware of situation.i made arrangements for settlement on account ahich they agreed.but they reported negative marks on my report. according to cares actsigned XX/XX/2020. if furnisher makes accomdation because you were affected by XXXX XXXX during covered period. that lender must report account as current to credit reporting agency, clearly this was not done

Company response to consumer: Closed with explanation