BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed the following issues with accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2018-06-25
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a payday loan with Amscot For {$500.00} plus XXXX in fees on XX/XX/XXXX. Because it was less than seven days until my next pay period, my due date was for XX/XX/XXXX. I called on XX/XX/XXXX and sought help for repayment of this loan. I have borrowed from this XXXX off and on over the past few years and never had a problem repaying the loan, unfortunately within the past month I had suffered some financial set backs. At the lime I requested help on the XX/XX/XXXX the only thing that was offered to me was until the XX/XX/XXXX as  they could not hold my check more than 31 days. I accepted this at face value and tried to figure out a way to come up with the funds, but was unable to. I called today one day before the loan came due tomorrow, and asked If I could please be helped with an extended payment plan. I was told no, because they had already helped me, and I didn't qualify for an extended payment plan anymore. I advised I had {$3.00} In my bank account if they deposit the check it will bounce, wasn't there something they could please do. I want to pay the loan back, I always have and never before asked for help on repayment. XXXX then told me that once the check bounced then possibly they could make some kind of arrangement with me. How is costing me {$60.00} or more dollars helping me? Plus I have never had a bounced check with this account. I am a XXXX year old female that works hard. I was not told by them at the time I asked for help In the first place that there was a 60 day grace period if credit counseling was scheduled etc. per the State of Florida, I just read about this today, as I am so desperate I just started searching for help. Why did they not inform me of this the first time I asked for help, why must I bounce a check to get help, I feel that this was deceptive on their part? I have until tomorrow before they deposit same. Could I please get some Intervention so I can remedy this without it costing me even more money, and my reputation with my bank.

Pease help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
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:
Payday loan and multiple attempts to cease monthly increase in payments after account has been closed and charged off. Santander continues to report account and charge additional fees. All three credit bureaus made aware of this. I also called Santander requesting my tax form for irs. Never emailed as stated by bank rep.incorrect payoff of loan documented not to mention the loan now engulfed to over XXXX with monthly charges since charge off which they have gotten a tax break for? 
Not to mention letters sent to all bureaus for removal due to inaccuracies due to additional monthly fees. All documents are available to show outstanding increases after charge off. 
Due to the false and fraudulent information Santander continues to report I would like this account removed swiftly from all 3 bureaus.

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 2020-07-02
Company: OneMain Finance Corporation
State: NV
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:
States that I had been issued a credit card. I do not have a credit card nor have I ever applied for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit card accounts thats currently listed on my XXXX, Experian and XXXX XXXX credit report are lost/stolen and all the charges and transactions are fraudulent and unauthorized : XXXX XXXX, {$2400.00}, XXXX XXXX XXXX XXXX, {$1800.00} and XXXX XXXX, {$1200.00}

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 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have previously disputed inaccurate information on my credit report under the following codes ; 039 Serious delinquency 018 Number of Accounts With Delinquency 005 Too Many Accounts With Balances 008 Too many Inquires in last 12 months All of these codes are incorrect and reporting illegally pursuant to FCRA

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 2020-08-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XX/XX/2020, I Called to inquire on a letter received, I proceeded to ask multiple questions but rep started talking to me aggressively repeating to me if I am not going to make a payment then the conversation is done. With every question I asked concerning the debt they say I owed, the answer was she don't know. A couple weeks later, received a letter in mail from a lawfirm In which the debt collector had hired them to seek help in collecting. I called that lawfirm and asked questions. They informed me they had already filed suit on this account with the courts. I was in total shock, I was confused as to who this lawfirm was and confused as to how they were in connection with the debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sold an item on XXXX XX/XX/2018 and Buyer claimed they did not receive item which was false because the XXXX tracking proves that they received and even signed for the shipment. This transaction was done through Paypal and they took {$240.00} from my Paypal account stating that the buyer filed a chargeback! After about 75 days they told me that the buyer 's financial institution decided in the buyer 's favor on XX/XX/2018 .Paypal Seller protection is for ( Charge backs and Fraud cases )? I asked did you all really divulge the XXXX tracking information to the bank because if so there should not really be a problem since the shipment was delivered and signature is file. Paypal refuses to stand up for their seller protection policy and won't give me the name of the financial institution that they say has my money so that I can communicate with them and prove that the shipment was delivered and signed for.Now I am out of the item plus the {$240.00} Please help me resolve this problem! Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I applied for and was approved for the Citi AAdvantage product. I applied based on email offer I received for XXXX bonus miles. On XX/XX/XXXX ( just 2 days later ) I received another personalized offer in my email for the same card but it was for XXXX bonus miles. I waited until i received my card and then called customer service on XX/XX/XXXX and asked to be enrolled in the XXXX bonus miles offer. The offer was valid thru XX/XX/11 and I had only missed it by 2 days so I was certain they would do the right thing and enroll me in the XXXX offer. But they did not. They said the offer i had accepted was what I was stuck with. So, i asked if i can close my account and apply for the new offer. They said I would be ineligible to apply for that card for the next 24 months. 

So, they think i'm valuable enough to offer me XXXX bonus miles, but once they found found out i had been suckered in for XXXX miles already, they don't want to honor the new offer. That is abusive. 
And why send me an offer i can't use? They APPROVED me on XX/XX/XXXX, in real time. They were in a rush to do that. But they are still sending me new solicitations 2 days later .... that i apparently can not use, because I was dumb enough to apply already. That seems unfair. 

I'm asking them to honor an offer they sent to me, personally. Not something i saw on a website, and ii 'm certainly not asking for goodwill. Just honor your offer. 
This is my first product with Citi ( and obviously my last ). What a stupid way to start a customer relationship.

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 2020-05-11
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: Account information incorrect

Complaint:
I have a loan with XXXX XXXX  XXXX XXXX, Colorado, last 4 digits XXXX. I paid {$200000.00} against the loan on XX/XX/2020. When I accessed my credit report in XXXX, 2020 I found that the loan balance had been updated only by XXXX  but not Transunion nor XXXX. I submitted disputes, at great effort and uncertain success, but the balances have not changed. This is affecting my credit score with both of these bureaus. How may I get this fixed?

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 2018-06-25
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:
On XX/XX/18, I mailed XXXX XXXX XXXX a Validation Request Letter and on XX/XX/18 I received their response which I is a violation of the HIPAA guidelines. 
XXXX XXXX XXXX and XXXX XXXX XXXX have violated the HIPAA guidelines under HIPAA 164.502 by providing specific medical information to XXXX ( a collection agency ) where a collection agency does not qualify as a Business associate per HIPAA 160.103.3.

HIPAA 160.103.3 states : ( 3 ) Business associate includes : ( i ) A Health Information Organization, E-prescribing Gateway, or other person that provides data transmission services with respect to protected health information to a covered entity and that requires access on a routine basis to such protected health information.

( ii ) A person that offers a personal health record to one or more individuals on behalf of a covered entity.

( iii ) A subcontractor that creates, receives, maintains, or transmits protected health information on behalf of the business associate.

Regarding section ( i ), XXXX does not provide data transmission services. Regarding section ( ii ), XXXX is not a person but a company. Regarding section ( iii ), XXXX is a collection agency that might be considered as a subcontractor but I was given no authorization to XXXX to provide XXXX to receive my specific medical information. XXXX provided XXXX with specific medical procedural information of my laps rpr recurrent incisional hernia reducible which is a flagrant violation of HIPAA guidelines. Ive attached documentation that proves that XXXX provided XXXX with information that violates HIPAA guidelines.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act convergent, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX  XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XXXX XXXX at Dealership XXXX  XXXX XXXX XXXX XXXX XXXX, Ill XXXX I was call in to finish up a pre approved vehicle loan with a down payment of {$500.00} plus XXXX XXXX they gave me {$1500.00} trade in value After completing the paperwork and license plates and insurance I and XXXX the finance manager sign I was giving the key after the plates were put on. Around 15days later XXXX call me and ask could I come back in to update my address because he put the wrong address and bring in a Utility bill with my current address But when I got there XXXX gave my paperwork to his Co worker to assist me when I went into XXXX XXXX office with him he began to become very verbally and physically aggressive asking me to give the keys back.I said no and try to leave and he became physically Abusive snatched the keys off my finger.causing injuries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: BARCLAYS BANK DELAWARE
State: CA
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 noticed an unauthorized inquiries without my permission from anyone on XX/XX/2017 and XX/XX/2017

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 2018-06-22
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was reviewing my credit report and discovered that XXXX XXXX had added a file that I owed them a past due balance. I contacted XXXX XXXX and inquired about the past due balance. They stated it was for an apartment I once lived in. I explained that I had moved from the apartment I shouldve owed a balance to XXXX XXXX. I nevertheless paid the past due amount to settle the account Immediately. 

I reviewed my credit file a few months later the same information was listed on my credit file by the name of Infinite XXXX/TSI collection. The debt showed paid, I didnt pay TSI, I paid XXXX XXXX and the agent at XXXX XXXX told me it would be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: SYNCHRONY FINANCIAL
State: AZ
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 had a {$900.00} credit limit with synchrony bank/Amazon store care and they are denying they did it on their own but at the behest of XXXX  my credit limit was reduced to {$270.00} almost as soon as i made a {$600.00} payment. I haf a couple late payments due to contracting Covid-19 twice, and I made payments and brought my account current and paid the bill off and they did this to me. My credit score was impacted negatively by over 200 points and I believe they are practicing race motivated discrimination. I did not have real estate when i got the credit in the first place and they are saying that is the reason for the reduction. That is not a valid reason. They refuse to remove incorrect fraudulent information and insidiously institutes a redline when it comes to me leveraging my ability to purchase using credit.

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 2020-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XX/XX/XXXX tried to use debit card at store at XXXXXXXX XXXX XXXX  at XXXX XXXX  Debit card declined. Went to ATM inside Bank of America branch at XXXX XXXX  to get cash and transaction declined Called customer service at XXXX XXXX  to inquire about what the problem was with my debit card and was told fraud was made on my debit card and placed on hold for 2 hours to speak with fraud department and was disconnected from the call after waiting hours to speak to someone. 
XX/XX/XXXX XXXX XXXX  called back to resolve this issue and again was told that fraud was on my debit card and again transferred to fraud department and places on hold for about almost 3 hours and no answer. Tried to use debit card app and Bank of America app and was denied access called the number on back of debit card at XXXX XXXX  after entering the card number automated system says my debit card is closed. Called customer service a third time and requested to speak to a supervisor or manager and again placed on hold for hours no response.

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 2017-01-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen LN XXXX XXXX CA XXXX Short sale was started XXXX/XXXX/2016 with Ocwen. 

On XXXX/XXXX/16 we were told the file was complete. 

On XXXX we were told the investor countered to $ XXXX. 

On XXXX we submitted the Price Addendum to XXXX, HUD, Market Comparables and Contractor Bid for the Value Dispute. 

On XXXX we re-sent all the documents in and confirmed with the Ocwen rep that the documents we submitted for the value dispute had been forwarded to the value dispute team for review. 

On XXXX we were told the XXXX price would be accepted and the file had been sent in for approval. 

On XXXX Ocwen requested a change to the 2nd TD payoff only. They told us the offer was approved and they would send the updated HUD to the underwriting department on a rush for approval. The revised HUD was sent within 15 minutes via email. We called in ( one hour later ) and the rep confirmed receipt of the HUD, said it looked good and sent it in for rush approval. 

On XXXX Ocwen said the file was still under review and confirmed again that the file was marked complete. 

On XXXX We spoke to the Ombudsman department - " XXXX '', who could see the corrected HUD marked received on XXXX, but it showed that the file had not been touched since then, so he escalated directly with short sale management. 

On XXXX we received an email from XXXX XXXX at Ocwen that our offer was too low and we would need to meet their value of XXXX. In that email he referenced an outdated HUD. 

On XXXX, XXXX XXXX reiterated that we needed to meet the XXXX value and that the sale date would not be postponed. We then called the ombudsman 's office to find out why we have been lied to, and the ombudsman does not know. We requested that the sale date be postponed to allow time to negotiate a better offer from the buyer, however XXXX told us that there would be no postponement in the email dated XXXX. 

We are asking for a sale date postponement due to extreme delay in reviewing the offer because Ocwen 's Equator system was not working. This is not our buyer 's fault, and because we had been told several times that our offer of XXXX would likely be accepted, we had not prepared a backup offer.

Company response to consumer: Closed