BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: OH
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 XXXX  Accounts, XXXX XXXX XXXX ( Original Creditor : XXXX ) account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) account # 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 a 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 2016-01-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have been Paying Asset Acceptance , LLC due to a court mediated order since XXXX of 2013. After 6 months they tried to make like I was n't making payments because they wanted them sent somewhere other than court order. Now I find that the checks I am sending are being cashed by XXXX bank and not going to Asset acceptance account.making out like I am not paying. I have been sending these checks the same way for over two years. XXXX has nothing to do with this and I have not been notified of anychange. XXXX will not talk to me nor give me what I have paid since court order. XXXX has Posted checks into XXXX seperate accounts. XXXX is for a XXXX bank that I do n't have any idea what this is, but fraudulently is nothing to do with the court case with asset. I will file a seperate case against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian reports a debt that doen not belong to me without proof or validation. I have demanded proof of debt, and Experian simply responded that " collection agency has verified ''. 

Since XXXX 2015 I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. 

I requested the following documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

XXXX. only provided a " Statement '' does not have my address on the Statement they provided, and the phone number listed does not belong to me. 

The law clearly states that if a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact me about the debt, andThey are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I can sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court for the violation they committed. I can receive {$1000.00} for the incident plus damages. 

XXXX ( and Experian ) continues to report negative information on my report fraudulently. 

They have damaged my credit for over 90 days without any proof despite several requests. They continue to disregard all Federal laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Nationwide Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid my son 's all bills at XXXX XXXX XXXX, medicine or doctor 's bill. I contact the customer service at XXXX ( XXXXXXXXXXXX ) to double check and they confirmed that I owe them NOTHING. There is this collection company " Nationwide Credit Corporation '' keep harassing me to collect some medical bills from me. Absolutely outrageous and fraud! The account number they have for me is XXXX and the reference is XXXX. Their address is NCC, XXXX XXXX XXXX, XXXX, VA XXXX. Please tell them to stop harassing people, I am very aware of my billings but there are people who get afraid when they see collection. This needs to stop and there should be strict regulations for collection agencies.

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 2022-03-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
My bank administrator at Truist suggested going through their website to apply for a credit line so I could fix my roof. The bids for the replacement are $ XXXX the amount applied for. 
The house is paid off and there is no mortgage. The house is valued over $ XXXX. Between cash and investments total assets are over $ XXXX. Income is a pension and a small business. I have one credit card with a balance of just over {$100.00} and a second of {$3500.00}. A truck loan ( which I qualified for ) with a balance of $ XXXX which will be paid off by XXXX, a year early. My credit score is XXXX. My annual income is consistent never less than $ XXXX a year. My monthly income is {$3700.00}. My monthly liabilities are less than {$1000.00}. 
The reasons given for the denial are inconsistent with past practices and certainly still apply now. The debt to asset ratio fall well within the industry norms. Having secured loans from this institution before. I have been banking with SunTrust for 35 years, the same account adding a business account and savings account that has more money than the loan itself.

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 2016-02-27
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I made an auto loan inquiry on XXXX. I was seeking offers, and assumed that any companies I was matched with would only do a soft-pull for pre-approval purposes. That is what I understood from my previous dealing with XXXX. I received a response from a company which identified itself as Roadloans, and when I logged on, it said it had approved me for {$53000.00} at an interest rate of 7.42 %. I had only inquired about an {$18000.00} loan. It identified my Application ID as XXXX. I then received call from Auto 's Only, a dealership located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I was told that Roadloans had shared my information with them, and had approved me for a loan to buy a car there ( although they also said that they would try to beat those loan terms ). I did not want Roadloans to " approve '' me for a loan, and I certainly did not want them to share any of my personal information with any third party or parties. Concerned that Roadloans had done a " hard pull, '' I called Roadloans at ( XXXX ) XXXX ( because the website said " [ online ] chat unavailable. '' On XXXX/XXXX/16 ( Pacific Time ) at XXXX XXXX., I spoke with XXXX, who confirmed that Roadloans had done a " hard pull. '' I told her that I had not wanted that to occur. She informed me that lendingtree allows them to do that, and that is how they operate. When I asked with whom I could dispute that, she gave me the following information : XXXX ( Santander Credit Disputes ). She stated that Santander was the parent company. When I asked, I was told both businesses are headquartered in XXXX, XXXX, and that both do business nationwide. I tried calling that number for Santander, but a recording said the business was closed. I went to the XXXX website ( which I learned was the CRA with whom they did the hard pull when I made a second call to Roadloans and spoke to XXXX ). I see the hard pull from today, XXXX/XXXX/16, but there is no " dispute '' button for such an action on the XXXX site. In sum, I did not want a hard pull of my credit. Before anyone did that, they should have conspicuously informed me that they might do that, and given the option to specify that I did not want it to occur/was not interested in the specific product ( here, a ridiculously high loan amount at a ridiculously high interest rate given my current " excellent '' credit rating ). Also, I did not ( and do not ) want my personal information shared by Santander/Roadloans with third parties, including dealers, as they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2020-03-13
Company: ID Analytics, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied for a credit card at XXXX XXXX. I was declined at the store to get a card. I received a letter from XXXX XXXX  stating that the reason they were unable to approve my request is that " Credit bureau reports applicant is deceased '' by Sagestream , LLC. 

I am very much not dead and don't know how to go about fixing this with them. They have not responded to me. 

Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Hosto & Buchan, PLLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX bought my XXXX bad debt credit card of {$10000.00} from XXXX in XXXX of XXXX. I received a judgment against me for XXXX which I have been paying monthly notes of {$120.00} every month through XXXX. 

I paid total of {$8500.00} as of XXXX/XXXX/XXXX. XXXX added {$6300.00} interest to my balance of {$2900.00} on XXXX/XXXX/XXXX. I contacted an associate of XXXX XXXX XXXX about this interest and she stated if I do n't settle to pay XXXX % of this debt they will garnished my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On approximately XX/XX/2019, Santander Bank removed my opening deposit from all my accounts causing many of them to go into overdraft. This was done without any contact from anyone at the bank. 

I received a letter ( which I have attached ) from XXXX XXXX saying all funds would be refunded which has not yet happened. My husband and I have received only {$4500.00} of the {$6500.00} we are expecting to receive from the letters XXXX XXXX has sent. 

I have yet to receive account statements, I have yet to get a follow-up call from XXXX XXXX after my husband and I have left messages. 

I am requesting the overdraft fees be refunded on all our accounts as we did not authorize the transactions to take place and had no knowledge this was happening. I would also like to receive a copy of what credit cards you have refunded the money to, because I have yet to receive all of the money. 

Thank you for you quick reply as I will be filing another complaint if this goes on my XXXX   report. Banks should not be able to take money from someone without consent, charge overdraft fees, and not give the money back to where I was originally charged.

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 2016-03-07
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Cash advance

Complaint:
I had a family emergency last week and I had the ability get an emergency pin number on one of my AMEX credit cards. I have XXXX. The card for my business had a credit line of {$500.00} because I transferred that credit line successfully to another business card last year. My Amex Open Blue is a personal credit card and I was trying to transfer the credit of {$2000.00} to my AMEX business card in which Amex was willing to help with my pin number for a cash advance. I do n't remember why the AMEX blue could not be advanced, even though I just paid it off in full -- $ XXXX. I think it was because that particular card did not allow for cash advance Amex attempted to pull the credit over to the business card, but could not. The way it was explained was that there was an internal issue. Unbeknownst to me Amex had improperly and without disclosure ran my credit report and received a score of XXXX. Mind you, I just paid off a series of credit cards so this credit hit came at the worst time possible. I just got the denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a {$500.00} secure cc since 2015 good standing no late payments. Bofa will not lift the security feature after asking for years, nor increase the limit. I have a credit score XXXX and steady employment XXXX  for 14 years making over $ XXXX a year. I am a XXXX women and feel it's more about discrimination. I have proven for the last 7 years to be an ideal customer with all on time payments. I believe the refusal to move forward is more about the mistreatment of XXXX customers.

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 2016-05-24
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX charge appeared on my HSA showing XXXX/XXXX/16. This was paid via the HSA on XXXX/XXXX/16 and the check cleared on XXXX/XXXX/16. The minute clinic continued to send bills and I sent copies from the HSA showing it was paid yet they continue to dun me. Now they have sent it to collections. I shared the proof it was paid with them and they still continue to try and collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX company refuses to modify my loan and has been over charging me for taxes every month and owes me 2000 in over fees but refuse to release the funds till Im off forbearance. 
They sold my loan to midland mortgage after reading reviews I see its going to be very hard to work with them as well.

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 2022-07-18
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 B States a consumer reporting agency can not furnish and 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 explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 attached screen shots of accounts which have discrepencies and are reporting incorrectly to my bureas, per the FCRA if they are not reported correctly they need to be deleted.

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 2022-03-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I initiated an international transfer to a friend of mine in XXXX with MoneyGram. After completing the online process, at around XXXX on the same night, my bank called me to confirm this transaction. I provided my consent and it went through. 

Subsequently, at approximately XXXX, I received notification from MoneyGram that my transfer was sent. The reference # provided was : XXXX. 

Following this, I received an email at XXXX on the same day ( XX/XX/XXXX ) informing me that : " For your security, please note that effective immediately your MoneyGram Online profile access has been revoked and your profile has been suspended. 

MoneyGrams review of your profile and associated activity has identified it as being at high risk of fraud, scams, or other associated activity which may include a violation of MoneyGrams Terms and Conditions Please direct any questions to this link ; select E-mail and complete the online form. '' Since that date, I have submitted 4 different requests for information, one via Online Chat and three via the link provided in the email. The three via the link provided have case # 's as follows : - Case # XXXX : " XXXX - XXXX Question or Feedback '' ( XX/XX/2022 @ XXXX ) - Case # XXXX : " XXXX - Report Fraud '' ( XX/XX/2022 @ XXXX ) - Case # XXXX : " XXXX - General Question or Feedback '' ( XX/XX/2022 ) The first complaint had a response on XX/XX/XXXX that provided no additional information ; the bulk of the response is quoted below : " Thank you for contacting MoneyGram. We appreciate the opportunity to address any questions or concerns you may have. 

Upon review, it appears your inquiry addressed to MoneyGram has been noticed. You were able to spoke to chat service and the information about your profile account was provided. '' Nothing of the sort occurred with an online chat and I was somewhat confused how I received this message since MoneyGram does not allow these types of inquiries to be brought to the Live Chat folks... they immediately push you off to the weblink. I was informed on one of these Live Chats that since I received that email the transaction would have been cancelled automatically, but that is most certainly not the case. My bank account still has a {$270.00} debit from MoneyGram.

At this point, I have filed a dispute with my bank and am following the procedures they have set forth. However, I feel like MoneyGram has treated this whole situation in a way that has left me {$270.00} less of funds and a week of frustrating problem-solving while I was with my family in XXXX. The fact that they never replied and still have my money is concerning and I hope CFPB can help resolve this issue and take steps to prevent it from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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