BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
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:
Today XX/XX/2020 I discovered an account and many inquiries on my credit report that do not belong to me. I did not have anything to do with this account or inquiries and I did not allow anyone to open this account or make these inquiries in my name using my personal information. I don't know who did this but I already filed a police report ; I did not benefit anything from these inquiries and account nor did I ever made any payments towards this account that was opened in my name. I have never had any written or verbal contract with any of these companies and I did not give them permission to run or access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Santander Consumer USA XXXX XXXX XXXX is suing me for a car that the dealership, XXXX XXXX XXXX XXXX and XXXX, had me trade in for a XXXX XXXX XXXX, that is also financed by XXXX XXXX XXXX XXXX XXXX XXXX The Finance XXXX, XXXX XXXX was not honest about the sale and the return of the XXXX XXXX Charger and he was not honest about the Loan application for me to purchase the XXXX XXXX XXXX. XXXX XXXX did not confirm my job or my income and he switched the information on the paperwork and I did not know that the information was switched, until I call and spoke to Chrysler Capital directly. The sale was fraud, committed by the XXXX XXXX and the salesman. They told me that I was trading in my car for the XXXX XXXX XXXX. This was very deceptive and the dealership and Santander Consumer USA XXXX XXXX XXXX should stop allowing the Dealership 's Finance XXXX 's to be able to falsify information on Loan Applications. All sales that were set up by XXXX XXXX needs to be investigated. No telling how many more people were deceived into trading in a vehicle for a new vehicle to be sued in the future. Please help.They took advantage of me and my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I was told by a XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX that the appraisal for my cash out refinance would be {$520.00} to be paid only by credit card before beginning the process. The next day I received an email stating the appraisal fee would be a {$600.00} dollar charge to me. So I had to make the payment before the processed moved forward, some other companies don't even do this, they allow the payment to be made later or deducted with the closing costs. On XX/XX/XXXX my XXXX card was charged {$600.00} by TIAA BANK XXXX FL. In the end I received a letter from another company with my credit information stating the home wouldn't receive the refinance however that I would. They never moved forward with the process and I never even so much as received an email from XXXX regarding my status or anything. He assisted me until it was not convenient for him any longer. I would like the appraisal fee to be returned to me as it was a lot higher than most lenders out there, also it's sad to say that TIAA is my montage lender. In the end this is how they treat their clients, one who has a very good standing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureau '' s are reporting inaccurate information on my credit report

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 2016-12-30
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card
Issue: Advertising and marketing

Complaint:
I contacted American Express today to find out why I did not receive the XXXX refer a friend points, as promised by a previous customer service representative. Unfortunately, this was the WORST customer service experience EVER! I initiated the call with XXXX ( Agent ID XXXX ). XXXX was ARGUMENTATIVE, UNPROFESSIONAL, AND XXXX! XXXX REFUSED to allow me to speak with a manager and she REFUSED to provide me with a contact number for the corporate office in the United States. However, she did allow me to speak with her supervisor XXXX ( Agent ID XXXX ). Unfortunately, XXXX 's customer skills are WORST than XXXX 's. Like XXXX, XXXX REFUSED to let me speak with an English-speaking manager in the United States and he REFUSED to issue the XXXX points. However, XXXX did provide me with a fax number and mailing address for AMEX. Why do I need to write a letter? Why ca n't I pick up the phone and speak to someone? I did not have to write a letter to apply for this sorry XXXX credit card! Nonetheless, when I asked to speak with a manager, XXXX transferred me to XXXX ( Agent ID XXXX ). XXXX was EXTREMELY RUDE! She stated there are procedures to follow to get the XXXX points. I told XXXX I followed the procedures to the best of my ability, as they were extremely vague. XXXX continued to TALK OVER ME and REFUSED to help. Therefore, I asked to speak with a manager in the United States. XXXX transferred me to XXXX ( Agent ID XXXX ). XXXX REFUSED to help me. She REFUSED to give the contact information for the regional manager " because they do not take calls. '' Also, XXXX REFUSED to give me a contact number for AMEX Corporate Office. XXXX stated she is in XXXX XXXX, XXXX and she is the highest person that I can speak with. I told XXXX I am going to contact the XXXX and the Consumer Financial Protection Bureau. XXXX stated, " Whatever suits you. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been a card holder of American Express since XXXX. I owned my own business until XXXX. American Express had a product for small business it was an open line of credit. Mine was {$65000.00}. I would borrow and pay back, borrow, pay back etc. When the great recession hit my line was suspended ( through no fault of my own, I personally had a FICO score of XXXX and paid faithfully ). This left my business in a lurch, but I 've managed to pay off almost the full {$42000.00} balance over the years. My problem now is I am down to a current balance of {$2200.00} because of late fees and a 25 % percent " penalty interest ''. I requested American Express settle the account with a payment from me for {$1300.00}. They said they do not settle with people. Also AMEX said I would have to pay {$440.00} before they could even begin to reconsider lowering the interest charge. Is n't ' this extortion? AMEX became a bank so they could borrow Federal Tax Payer dollars at Zero % interest and bail themselves out. WHERE IS MY BAIL OUT?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$4000.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$2000.00} XXXX  XXXX {$3300.00} XXXX   XXXX {$1000.00} XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX {$3500.00} XXXX XXXX {$160.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX {$1600.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$230.00} XXXX  XXXX {$980.00} XXXX  XXXX {$59.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3500.00} XXXX XXXX {$4400.00} XXXX XXXX {$3500.00} XXXX XXXX {$5700.00} XXXX {$8000.00} XXXX XXXX {$28000.00} XXXX XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$450.00}

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 explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3500.00} XXXX XXXX {$4400.00} XXXX XXXX {$3500.00} XXXX XXXX {$5700.00} XXXX {$8000.00} XXXX XXXX {$28000.00} XXXX XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$450.00}

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 explanation
Consumer complaint received 2016-03-23
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested for Kramer and Frank to send me validation of this debt on a couple of different occasions. I have gotten the run around to talk to the original creditor which is XXXX XXXX. I have let them know that I am not familiar with the debt and to provide me with the proper validation showing my signature for such account and they have yet to send me that information. They also have another account in their office for XXXX XXXX but same with this account I have yet to receive the debt validation. They have not been biding by the FDCPA and I am requesting for those violationsto be addressed as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Asset Acceptance has been pursing me since XX/XX/XXXX. I was summons to court and the judge threw the case out in XX/XX/XXXX. Now they have re opened the case and are trying to garnish my wages. I have contacted The Attorney General, I was informed AA has been under investigation for years, per email I was told to contact CFPB and file a complaint. AA has not contacted me or sent me paperwork, I only found out through the XXXX County Clerk of Courts doing a random search of records for my name. I am not sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Asset Management Outsourcing, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I HAVE TRIED SEVERAL ATTEMPT TO DISPUTE THESE COLLECTION DEBT THAT I DONT WHO WHERE THEY BELONG.I HAVE TRIED SEVERAL ATTEMPT TO BUT HAD NO LUCK WITH THEM.I ALSO HAVE BANKRUPTCY ON MY FILES THREE TIMES WHEN I COULD FILE ONCE IN A PERIOD OF FIVE YEARS TRIED TO GET THEM REMOVED BUT HAD NO LUCK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report

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 2020-08-12
Company: EQUIFAX, INC.
State: GA
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:
Equifax need to update the error on my credit repot what XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am very very very concerned with HESSA and the XXXX arrangement with private school loan lending. I have been unfortunately misled into believing my loan was a government backed loan via its association to federal and state officers. I believe that this is grounds for a class action suit against the XXXX for its misleading of the loan buyers via its various marketing materials.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Action Financial Services, LLC
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
On XXXX XXXX, XXXX, I received my first and only notification from XXXX XXXX that unless I paid over {$4500.00} I would be in default on my student loan of {$34000.00}. I called four separate times and finally reached out to the Department of Education, Ombudsman Group, to dispute the lack of communication provided. I received notification a month later, XXXX XXXX, XXXX, stating that I had been in touch with the XXXX XXXX XXXX and the matter was closed with them. At no time, did I ever speak with XXXX for assistance. On XXXX XXXX, XXXX, I received my first correspondence from Action Financial Services that I now owed {$43000.00} and an additional {$8500.00} was added for fees and costs. XXXX checks in the amounts of {$34000.00} and {$8800.00} were paid directly to the Department of Education for payment in full on these loans. These payment were received by The Department of Education and posted to my account on XXXX XXXX, XXXX. Since the loan was in dispute and I had correspondence proving this, I should have been given 60 days from XXXX XXXX, XXXX. Also, since I paid the entire amount owed to the Department of Education, I thought this matter was closed but am now being asked to pay more money for a collection notice dated XXXX XXXX, XXXX and received XXXX XXXX, XXXX both of which occurred after the checks had already been cleared and received by the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CL Holdings LLC
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 information incorrect

Complaint:
I have been having a really tough time with XXXX XXXX XXXX credit card. I had two accounts with them which went in to collections and eventually charged off. Upon checking my credit I have been trying to pay off all my debt. I contacted them XX/XX/2020 to try to pay what I owe them and they informed me that there collection agency is Jefferson Capital and I needed to contact them first to pay and then Jefferson capital would report the two payments to them and they would update the accounts on my credit report to a XXXX balance. I paid Jefferson Capital that same day settlejng the debt for less than total amount which satisfies the debt. Jefferson Capital then emailed me two letters stating both cards have been satisfied and now have a XXXX   balance and they would be letting XXXX know and they would update the credit. A few days passed and I noticed XXXX updates one of the accounts with the amount of the payment and still showed a remaining balance which is not what I was told would be done. I called XXXX yesterday and the rep told me they only show one payment being made and there was still a balance and that Jefferson capital hasnt notified them that what I paid settled the account. They never saw the second payment at all and they were made the same day. I called Jefferson capital back and after talking to a supervisor she informed me that XXXX sold them one of the accounts and that is why they only see one payment on there and that they were not obligated to report the other payment to them. She also said they already notified them the other debt was settled. This is all completely insane at this point. Im being given the runaround at every angle. I have settled both accounts which they are both reported on on my credit report by XXXX XXXX XXXX   but if Jefferson capital will not notify them property then the debt will continue to be reported on my credit from XXXX with. Balance when that information is incorrect. I called XXXX XXXX back several times and they were being very rude to me and one person even hung up in my face. This is very upsetting. These are the only negative marks in my credit and no one seems to be helping me. XXXX shouldnt even be reporting one of the accounts at all since it was sold and they should be deleted. At the very least the other account needs to be updated to XXXX   balance because the debt has been paid but they are not doing things properly and this is not right. After I paid both accounts they asked in that same phone call if I wanted to open new accounts with XXXX and after all this there is no way in XXXX that would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Requested verification of account to review within 30 days it was placed on my credit and received no response nor has it been resolved by bureau. Request was sent via certified mail in XXXX 2015 and still to date no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX from Harris and Harris located at XXXX XXXX XXXX in XXXX called my daughters phone number about 3 weeks ago. My daughter has developed medical issue dealing with her XXXX in the last year. Last summer she went to XXXX XXXX for emergency care. They never asked for her information but sent a bill. I am the insurance holder so I submitted my insurance information. Earlier this year another representative from Harris and Harris called me. I explained that the {$950.00} bill was inaccurate as XXXX never submitted it to my insurance and never sent payment reminders. I also said this should not be a case of collections. This representative apparently did submit the insurance information BUT we still never received a bill. Three weeks ago XXXX called my daughter who is not the insurance holder and told her if she did n't give her money over the phone this would go against her credit. My daughter asked her to send us a bill after explaining the situation. XXXX repeatedly said that she had to pay money on the spot or this would go against HER record. I am tired of medical companies billing practices. This is not the first bill that has fallen into the cracks and has appeared a year later. We simply asked XXXX to send us a bill through XXXX as this is NOT a collection issue and she refused. I did receive a bill BUT through the collection agency. I have paid many other medical bills for my daughter. There is no reason why I would n't pay his one. Medical companies should be required to bill consumers accurately within 30 days of a service and follow up on a monthly basis before sending bills to collections. Since this situation is a billing issue with XXXX it should not eve be handled through any collections agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$1900.00} XXXX  XXXX {$2600.00} XXXX XXXX {$4400.00} XXXX XXXX {$240.00} XXXX   XXXX {$170.00} XXXX XXXX {$270.00} XXXX XXXX {$360.00} XXXX   XXXX {$570.00} XXXX XXXX {$710.00} XXXX XXXX {$440.00} XXXX   XXXX {$240.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$3500.00} XXXX XXXX {$2700.00} XXXX XXXX {$1500.00}

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 explanation