BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On    XX/XX/17 , we  were charged a {$480.00} appraisal fee for an appraisal that we did not order. The appraisal was ordered by  Santander  Bank, due to the fact that we were going to potentially short sale our home. We were able to sell our home for more than what it was worth. On   XX/XX/17 , t he date of our settlement, we contacted Santander for a payoff figure. We immediately filed a dispute for the appraisal fee because Santander jumped the  gun in ordering the appraisal. We had not even submitted a short sale offer and they had already sent an appraiser to our home and charged us for the appraisal. We were told we would be contacted within 5 to 7 business days with a decision on the dispute.  On  XX/XX/17 , w  e  called Santander to see what was happening with th e dispute, because we were never contacted, and we were told that the appraisal fee would not be refunded because they had the appraisal completed to protect their interest. O n  XX/XX/17 , the date of payoff, we were also charged a {$50.00} satisfaction fee. We asked about this fee on  XX/XX/17  and we were told it was a fee for the satisfaction of the short sale, which we never incurred. We would like  to have a refund of the {$480.00} appraisal fee and the {$50.00} satisfaction fee. We were hoping you could help us in this matter.

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 2017-06-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.   I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by  XXXX  for  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX . None of these accounts I applied for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received repeated letters and calls fro m Debt Recovery Solutions , LLC,   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , NY  XXXX , about a debt of {$190.00} alledgegedly owed to  XXXX .   XXXX  I have never been a  XXXX  customer and do not owe this debt.   XXXX  I have repeatedly told  Debt Recovery th is, both in writing and by telephone and demanded they furnish written copies of contracts showing I owe this debt to  XXXX . They have never complied with this and have never shown that the debt is in fact owed by myself to  XXXX .   XXXX  I request that this harrassment stop and that they cease reporting that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ability Recovery Services is trying to collect a debt that isnt mine. I never lived at the address they provided on the itemized bill. I never signed up for XXXX XXXX XXXX. I never received a collection bill from this company. The email address is wrong, wrong number, wrong address, wrong credit card information, wrong everything. The name is the same but Im not the person that signed up. I attend XXXX XXXX XXXX University for the past two years. I only lived at 2 addresses in XXXX and now I live in Pennsylvania. I want this removed until XXXX can show proof its mine. Show my ID given to the company, SSN, date of birth, break down of assignments and payments, billing information, etc.. I will be suing for defamation, emotional distress, financial hardships, and wrongful credit reporting. Do the right thing and remove this illegal debt.

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 2019-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
I leave a XXXX  or {$2.00} balance on my credit cards.. .as opposed to XXXX balance..

because I find it helps my credit score go up faster..

So Capitol One credit card decided to turn in a one day late {$2.00} balance..

It caused a 60 point drop in my credit score!!!! 

Is that fair?... I do not believe so... XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had called Bank of America 's claim department to file a claim for unauthorized check trans action after being on hold and get transfer from  one person to another person finally 3 hours later I got to file my claim over 4 weeks ago. The  person opened up my claim assured me that I will get my account credited within 10 days, I give them 18 days and when I saw no credit to my account I called them back again and gave them my claim number and they told me they need 20 days to give me credit and I explained to them I was told 10 days originally now you are telling me 20 days and I asked to speak with supervisor and she refused by saying that she is the supervisor. now it is al most one mont h and no phone calls or letters explaining to me what is going on to my account and my money. my friend told me about this site and that 's why I am here today, please help me to collect my money from bank of America.

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
TransUnion recieved my dispute on XX/XX/2021. There was no investigation opened nor was I informed of any results.

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 2020-05-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am being told that I have a late payment. This is false .... I have never made a late payment on this car ever. I reached out to the finance company but they never seem to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
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: Information is missing that should be on the report

Complaint:
I leave a XXXX  or {$2.00} balance on my credit cards.. .as opposed to XXXX balance..

because I find it helps my credit score go up faster..

So XXXX XXXX credit card decided to turn in a one day late {$2.00} balance..

It caused a 60 point drop in my credit score!!!!

Is that fair?... I do not believe so... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC send me an email claiming a debt of {$590.00}. and the acc number they send was XXXX. 
This email was sent right after I was checking my credit reports. I never authorize this company to send me emails or give them my email. 
I do not know this company and I never had any business with them or signed a contract with my physical signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
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: Information is missing that should be on the report

Complaint:
I leave a XXXX  or {$2.00} balance on my credit cards.. .as opposed to XXXX balance..

because I find it helps my credit score go up faster..

So XXXX XXXX credit card decided to turn in a one day late {$2.00} balance..

It caused a 60 point drop in my credit score!!!!

Is that fair?... I do not believe so... XXXX XXXX

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 2019-12-09
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: Information is missing that should be on the report

Complaint:
I leave a XXXX  or {$2.00} balance on my credit cards.. .as opposed to XXXX balance..

because I find it helps my credit score go up faster..

So XXXX XXXX credit card decided to turn in a one day late {$2.00} balance..

It caused a 60 point drop in my credit score!!!!

Is that fair?... I do not believe so... XXXX XXXX

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 2022-04-07
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2019-12-09
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MEDICREDIT , INC . 
{$51.00} XXXX XXXX XXXX No knowledge of debt and collection agency.

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 2021-06-11
Company: Foundation Title & Settlement Services, LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I HAVE REPEATEDLY TRIED TO GET A RESPONSE FROM XXXX XXXX, AND FOUNDATION TITLE & SETTLEMENT SERVICES , LLC BECAUSE THEY HAVE HELPED AND OR BEEN NEGLIGENT AND ALLOWED THE SALE OF A HOME WITH FORGED COPIES OF MY NAME ON THE PAPERWORK. I HAVE NOT EVER SIGNED ANYTHING FOR THEM SO WHEN THEY FIND MY SIGNATURES, THEY SHOULD KNOW THAT 1. THEY ARE FORGERIES AND 2. THE PERSON WHOM SENT THEM THE SIGNATURES IS GUILTY OF A MYRIAD OF DIFFERENT CRIMES INCLUDING REAL ESTATE FRAUD. I WANT COPIES OF ALL RELEVANT PAPERWORK AND ANY DOCUMENTATION ATTACHED TO MY NAME, SIGNATURE AND INFORMATION IMMEDIATELY IN ORDER TO TRACK DOWN ALL POSSIBLE OTHER FRAUDULENT USAGE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: BARCLAYS BANK DELAWARE
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
In the spring of 2016 I joined a gym called XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. In XXXX timeframe I made several attempts to contact the owner by phone and at the gym. I needed to cancel my membership due to the loss of my husband from XXXX and the fact I was moving back to Missouri. The contract said they needed a 30 day notice and I was giving them 60 days notice. I could not under any circumstances catch up with the owner by phone or at the gym. He would NEVER return my calls. So, in XX/XX/XXXX I put my gym key and a note in an envelope and left it at the gym on his desk. On XX/XX/XXXX I moved 455 miles away from XXXX XXXX XXXX  to XXXX XXXX. I assumed he had cancelled my membership. The end of XX/XX/ I was charged once again on my credit card for the membership fee. I called my Credit Card company, XXXX to dispute the charges. I told Barkleycardus do NOT pay any charges to this business. My membership was cancelled and by key was returned. A few days later the owner, whom I still do not know his name, called me and proceeded to cuss me out, threaten me, and told me he was suing me. I called my attorney who said he had no grounds for anything. I told my credit card company to not pay any charges to this business and thought it was taken care of. I have since found out that even though this man knew I was 455 miles away he continued to bill my credit card company and they continued to pay him to the tune of over 500 dollars plus 9.5 % interest. Now my credit card company wants me to pay them even though this gym committed fraud and basically stole from me. I filed a complaint with the XXXX  of XXXX and he started emailing me. Nasty as usual and then tells me he has suspended my account. I had to cancel my credit card so he could not make any further charges on this card. Also, when I signed up for this service his son made the remark that I wouldn't believe how many people sign up and never use the service and they just collect the money. This man is running a scam. He is a thief and he knew in XX/XX/XXXX I was in XXXX  and he knew I had cancelled my membership but he continually charged my card. My problem was not going over my statement. I always had a balance so I never picked up on the XXXX bucks a month he was hitting me for. Some months he even charged me XXXX dollars. I was furious with my credit card company for paying when I told them not to and for him just bluntly committing fraud. XXXX KNEW they were suppose to stop any and all payments submitted by XXXX XXXX XXXX XXXX XXXX. However, they continued to pay his charges knowing the membership was cancelled and knowing I was living in another state.

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 2019-12-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XX/XX/XXXX. I have attached my bank SS Card and DL for proof of ID

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 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/19 I complained that transunion sent a credit report with name but someone elses info, and this person had filed banruptcy. I notified them and they explained that my file was not merged- but then A freeze, fraud alert and extended fraud alert placed without my consent. The freeze they placed was a military freeze- which as a XXXX yr old woman who has not ever been in the military is bizarre- I feel this is a retaliation due to me exposing them of their carelessness of my report. They refused to remove, I have sent in my drivers license and social security card and my ID is the real ID with star. as of this complaint it still is there, And I dont have a pin to remove, they wont remove and I am furious that my credit file is a mess, and I cant even go online because its locked.

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 2017-06-05
Company: Motormax Financial Services Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On  XXXX ,  XXXX , I was involved in an auto accident. My  XXXX   XXXX   XXXX  was deemed a total loss. I did not have collision coverage on my insurance policy ( see attached insurance declaration page ) and since the other driver was determined not to be at fault, I had no way of recovering anything for the total loss. So the car just sat at a salvage yard where it was taken after the accident. I drove for   XXXX   and the car was how I made a living as well. All of my bills got behind and I was struggling. In  XXXX .of  XXXX   Motor Max Financial Services, who had a loan on  the  XXXX , offered me a settlement amount of  XXXX  to pay off the loan on the car as evidenced by the accompanying letter. I worked constantly with my insurance co. to see if I could recovery anything. As a courtesy, since I had been wit h the Insurance co.  for such a long time and being a  XXXX  military veteran, they made an exception to help me. But when th e Insurance co. called Motor Max to get a pay off, they were told by Motor Max the  amount of  XXXX . The loan co. doubled the payoff amount! I fee l Motor Max Financial Services ' actions constitute predatory lending practices. A representative of Motor Max Financial Services also made disparaging remarks about me and said that I had insurance when the Insurance declaration page   clearly shows that I did not have collision coverage on the automobile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: ACIMA CREDIT, LLC
State: CA
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:
Acima Digital FKA Simple reported number XXXX. Date opened XX/XX/2018. Disputed with XXXX, XXXX, and XXXX multiple times requesting proof of debt or removal. Called Acima, but they couldn't find an account with my cell phone number ( I have had this number for almost 15 years ) and asked for proof of debt, and a contract by mail. called XXXX and initiated another complaint requesting proof of debt or removing the file. 

I have proof of identity theft, address, phone numbers, and social security number that is not mine over the last 10 years I have proof of a change of address XXXX unauthorized, data breaches, and leaks. 

This debt has caused hardship, and applications were denied due to the derogatory mark that ultimately lowered my score, and caused a higher percentage on my auto loan. 

XXXX and XXXX removed the account from my report for Acima failing to comply with FTC, my right to information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from XXXX. I asked for written verification as well as signed contracts with my signature for XXXX ... there were XXXX accounts on my report for XXXX in which XXXX were deleted yet XXXX remains and EQUIFAX JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....

Company response to consumer: Closed with explanation