BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-22
Company: Ability Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. Ive advised ABILITY RECOVERY SERVICE of this. Ive disputed the validity of all of these accounts with ABILITY RECOVERY SERVICE several times to no avail. ABILITY RECOVERY SERVICE refuses to provide me with the documentation Ive demanded them to provide me with, in order to validate this debt is mine without a shadow of a doubt. They sent me a letter that does not contain my actual wet ink signature. They have no proved this debt to be mine and yet the refuse to do the honorable thing and remove. If they continue to refuse do as I demand. I will file a lawsuit against ABILITY RECOVERY SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt and they continue to report false information on my credit report. Defaming my character and causing me a hard time trying to get credit beCause of this false statement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX, XXXX and XXXX inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX  XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans

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 2016-08-26
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Other fee

Complaint:
Please combine this with XXXX or delete that complaint so citi is not getting XXXX complaints for this. I am not able to update XXXX so I 'm filing a 2nd complaint. 
I realized the issue, it turns out there was an unauthorized transaction from my checking account and the electronic payment of {$1300.00} that I submitted XXXX/XXXX/16 was then returned. 
I will say the fee description of returned check is confusing, I did n't send a " check '' that was returned. Also, I read through the terms and conditions again and no where does it say when making a payment that you 'll submit the payment numerous times if it does not clear. I have {$90.00} in fees from my bank because you 've already submitted it 3 times. That is clearly misleading and even if you sneak the ability to attempt to pull the payment over and over again into other disclaimer language somewhere, it 's certainly not provided when making a payment. Hence, I did not expressly authorize it. XXXX concern? I think so.

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 monetary relief
Consumer complaint received 2016-08-27
Company: Capital Recovery Corporation
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was going to sign up for XXXX through healthcare.gov, but when I found out that I would only get coverage for one month through them and then would have to switch companies, I decided to just go without insurance for one month. I called XXXX and told them I did n't want their coverage for the one month, and did not pay the premium, thus never activated my insurance. I have now been sent to collections through XXXX for a premium I should n't owe. They never provided coverage to me. I told them I did n't want their coverage, which again they did n't ever provide because it was never activated for that month. In addition to my complaint that they are billing me for services they never provided me, as far as I know through the affordable care act, it is illegal for them to send me to collections for an unpaid medical premium in the first place.

Company response to consumer: Closed
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this report today XX/XX/2020 because I found four accounts and a few inquiries on my credit report that do not belong to me. I never opened these accounts or made these inquiries and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services or any other benefit. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts.

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 2022-07-16
Company: Experian Information Solutions Inc.
State: OH
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:
File dispute on XXXX XXXX XXXX account And XXXXXXXX XXXX  after 5 days they closed dispute with verified accounts and remain Theres no way either account could of been properly verified as mine

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 2020-03-13
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My home loan was sold to Mr. Cooper in XX/XX/XXXX. Since the beginning of working with them they were rude and deceptive. Due to the awful treatment we decided to refinance. We started this process on XXXX XXXX XXXX. During this process Mr. Cooper was misleading to our new lender and trying to keep our new loan company from completing the refinance. They lied and said our loan had been sold, they repeatedly gave inaccurate payoff amounts. Due to this delay we waited weeks to complete our refinance. In that time our PMI was paid out of escrow for the XXXX  year ( we bought the house in XXXX of XXXX paid PMI in our loan closing [ line 902 on the loan disclosure I have included ] and have paid every year since [ as the statement from XXXX I have attached shows ] ). I have attempted to get this money back but again I have experienced road blocks and lies. I was told that the PMI was for XXXX so I cant get a refund ( during this entire process to this point everyone agreed the PMI was for XXXX ). Then the agent told me they would have added it to our payoff amount anyway so why am I complaining ( I dont understand why they are entitled to this if I am closing my loan ). But on top of that they tried to charge us over {$2000.00} for additional PMI in our refinance. Mr. Cooper agreed that this was a mistake ( intentional I really believe ). The {$2000.00} is supposed to be refunded. I would also like the {$680.00} of PMI taken in error refunded. This company should not be allowed to continue to deceive buyers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The company Carmax auto finance repossessed my vehicle with 1 day notice. Once I was offered a payment plan I made the payment and they still took my car. I made the payment of XXXX XX/XX/2022 and my vehicle still was taken from my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports. 
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of Equifax and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( XXXX ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: OH
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:
Have disputed XXXX XXXX XXXX  accounts With equifax they keep marking them verified after 3 days these XXXX accounts do not belong to myself. There is no way these accounts have been or can be verified that they belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XXXX Chimed closed my account and handled over XXXX of my money I sent them everything they requested I still have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was trying to refinance my mortgage on my condominium with Bank of America at the end of XX/XX/2018. Once the appraisal was done and non-refundable, they started playing a " war of attrition '' by constantly bringing up more and more questions about my condo association. Questions were asked and answered only to have more questions come up. Our association board president filled out a questionnaire and that wasn't good enough. After two months of this, I gave up at the end of XX/XX/2018. I have asked that my appraisal fee be returned but I get no response. It was clear that they were not acting in good faith and once they got a little over {$500.00} out of me, then the games began. Phone calls went unanswered. Complaints filed on their company web site went unanswered. Closing dates were set only to have them stopped at the last minute to ask more condo association questions. Bank of America is fleecing people trying to refinance condominiums because they know that the credit market is so tight for condos that they can get away with it.

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 2022-08-15
Company: Experian Information Solutions 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 information incorrect

Complaint:
I purchased a vehicle through XXXX XXXX the vehicle lights came on a hour after purchasing, upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very Ill and was and still am in the XXXX.My sister reached out to Corporate and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX  or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX, the ceo, the vp and several other executives..XXXX XXXX is owned by XXXX  and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, XXXX  and XXXX XXXX have committed..

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 2022-03-22
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I made a payment on XX/XX/XXXX of this year to westlake financial, and they subtracted the same amount on the XXXX of the same month as there was a scheduled payment when I do not have a self-payment or scheduled payments with them, I have called them since that day to return the money and it was not like that, I even told them they will take it as payment for the month of XXXX and they have not done it and they are charging me daily default interest for course delay, they do not want to solve this situation and that brought me consequences with rent payment.

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 2022-07-16
Company: Experian Information Solutions Inc.
State: NJ
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:
Company responded on XX/XX/XXXX as a result of their investigation through the CFPB. 
Account # XXXX was " UPDATED '' and according to the credit bureaus the account is still reporting discrepancies. that I will attach below. 

{ XXXX } { XXXX } Errors & Inconsistencies Found : The date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The date of date opened is inaccurate. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Credit limit, balance, high credit, payment history is also inaccurate. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. unless you want to be held {$1000.00} per violation.

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 2020-04-20
Company: BARCLAYS BANK DELAWARE
State: CO
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 tried to make an online purchase but the purchase didnt go through because it said there was an issue the billing address. Tried to make the purchase multiple times and the amount showed as pending on my credit card even though I couldnt complete the purchase on the merchant website. There was a pending total of {$480.00} due to the recurrent transaction. The pending charges went away because the purchase was never made but the amount of {$480.00} is showing as a balance on my credit card which is incorrect. The charge never posted so it should not be showing in my current balance. I have tried to call and send messages. I was on the phone waiting to talk to a representative for XXXX hours and no one ever answered. I sent many emails with no response. It is frustrating because Wyndham by XXXX XXXX is trying make me pay for something that was never finalized. My recent transactions do not equal what is showing as my balance

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 2022-07-16
Company: Experian Information Solutions 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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove inaccurate items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any items or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., Please see the list of erroneous items that are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6700.00} ; XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXXXXXX Balance : {$0.00}

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 2022-07-16
Company: EQUIFAX, INC.
State: MD
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$500.00}

Company response to consumer: Closed with explanation