BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: VA
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  Account # XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # 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 2017-08-18
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
American Express extended a credit limit of {$7000.00}. I used about {$3800.00} dollars of the credit extended. American Express assessed my credit standing and decided to reduce my credit limit due to a lower credit score than expected. However, they retroactively reduced the limit to an amount beyond the current balance. They reduced the limit to {$3400.00} the day after I last used it. Now I have a negative balance on the account and they are reporting that I exceeded the credit limit. When I used the card the credit limit was {$7000.00}. I did not exceed the limit or use credit that was not extended. The $ XXXX credit limit will seriously impact my credit score and credit report and indicate to other credit companies that I negligently went over the credit limit.That will have a detriment impact on me for future credit transactions. I contacted the company and they refused to restore credit up to the current balance unless I pay {$1600.00} to them. This is an unfair credit transaction and an violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On X/XX/17 Navient received an additional payment of {$50.00} from me. This payment was supposed to go towards the Principle amount and not interest. I followed their instructions and created a separate letter stating that i wanted my {$50.00} to go towards the principle balance. I stated it several times in the letter that they told me to write, they stated that placing it on the memo line of the check will not be sufficient. I look on my account today and see they they put the entire {$50.00} towards the interest, exactly what i specified them not to do. I have two loan consolidation lines and asked them to put {$25.00} towards one principle and {$25.00} towards another principle. I am trying to pay down the balance of my loan so i wo n't be paying it off for the rest of my breathing life. How are they allowed to blatantly ignore instructions they asked payees to do. I know they saw the letter because i placed the check inside the folded letter. I planned to mail {$50.00} every two weeks so it can go towards my principle but I see they do n't even follow their own instructions. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
So, I was texted and asked for money. I finally gave in and created a account with Paypal. I thought I was helping someone. I have never used any cash sending services that are digital in nature. I did complete the transaction but after doing so, I learned the name that I had sent the money to was someone else! I began feeling like I had made a major mistake. I then began looking around to see if there was anything I could do on my own. As you can imagine they have no XXXX hour customer support for their global operation. I contacted Paypal a few hours after they opened that morning. I asked to cancel the transaction or for a refund. 

They told me there was nothing they could do, and that they would follow up with the receiver. Only the receiver could agree to issue refund. I feel this offers no consumer protections for the paying customer, how can this be? I feel totally exploited as well as taken advantage of. I resorted to issuing a dispute with my bank, and suffer the loss of my debit card. As I have reviewed their XXXX page many of their customers feel scammed and taken advantage of. Paypal seems to operate outside of standard banking practices in the XXXX. Collecting revenue via fee 's is more important than being an honest financial institution and doing the right thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-18
Company: ERC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I sumitted a complaint with CFPB against XXXX XXXX for trying to collect a debt that didnt belong to me. On XX/XX/XXXX ERC responded back stating that the debt didnt belong to them and they had no right to try and collect on that debt. ERC removed that debt from my credit report. I recently checked my credit report on XX/XX/XXXX and notice this account was again placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: AMCOL Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX this account appeared on my credit report for {$1600.00} referencing the XXXX XXXX of XXXX XXXX XXXX. I have requested verification, through disputing, of this medical bill from Amcol Systems Inc. and I have  received no response. Then I hired XXXX XXXX to dispute and request verification with no response. In early XXXX XXXX the account was taken down to a zero balance but the account remained on my report ; then XXXX XXXX, XXXX the account went from a XXXX balance to {$2200.00} with no explanation ; still just a reference to XXXX XXXX XXXX. The date of the reporting date still remains as XXXX as if the {$1600.00} suddenly changed to {$2200.00}. I would just like to receive some type of clarification for the {$1600.00} and now for the {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
An account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1800.00} began reporting on my credit report on XXXX XXXX, 2013. Despite constantly disputing this debt with TransUnion, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature.

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 2022-07-08
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022, I received an offer to settle my Indigo MasterCard account with Genesis Financial Solutions , Inc. for a sum of {$230.00}. I had an outstanding balance of {$650.00}. I knew that I wouldnt be able to afford to make a payment but the due date of XX/XX/2022, as is shown in the attached screenshot. Upon speaking with an agent, they informed me that I could make it past this date to close this account. 

On XX/XX/2022, I made a payment of {$230.00}. I spoke with an agent named XXXX, who informed me that this account would be shown as closed and settled. The confirmation number for this payment is XXXX. 

Unfortunately, I was then informed ( after XXXX business days and seeing this account still shown as open on my credit report ), that that payment was simply put toward the overall balance and not put toward closing my account. I was told, verbatim, that my account would be closed by XXXX, the representative. 

Furthermore, upon speaking with another representative after the XXXX days, I was lied to by the next representative I spoke to, and she said she didnt recognize the name XXXX. 

It is clear that this company is engaging in fraud and fraudulent tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Spring Oaks Capital, LLC
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have a XXXX XXXX XXXX that was in repo but I got it back and paid off my car. I 've been having my car since 2006. It 's still on my credit report and shows the repo still. When I paid off my car I was told I could get the repo removed once I paid off the title. It 's still there. I need someone to update all of my credit reports and remove this old loan as it is hard to get anything with this showing.

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 2018-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
A credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. I faxed a dispute request to XXXX  and Transunion on XX/XX/2018 and have not received any correspondence from them regarding my disputes, Due to the failure of Transunion and XXXX  's failure to respond the negative items that I have sent confirmed fax on XX/XX/18 must 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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 non-monetary relief
Consumer complaint received 2018-03-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at around XXXX XXXX, I visited the Santander Bank Branch at XXXX XXXX, XXXX XXXX, NY XXXX and used the ATM machine to make a {$440.00} deposit. I put the money into the ATM but no money was credit to my account. The ATM showed that there's an error and please try later. I immediately contacted the bank clerk at the branch and called their customer service, and they provisionally gave me a {$440.00} provisional credit. 
However on XX/XX/XXXX, Santander sent me another letter saying that they've completed the investigation and no errors was found, and they are gon na take the money away from my account again in a few days. I don't know what to do, because it is a large sum of money for me, and I have to seek help from CFPB.

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 2017-08-18
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had fraudulent charges made against a XXXX credit card I had years ago. The debt first showed up in XX/XX/XXXX or XX/XX/XXXX. I signed an affidavit with citicard disputing the charges in XX/XX/XXXX-XX/XX/XXXX. The debt was gone. Two years ago it shows back up and this Midland Funding LLC out of XXXX XXXX California starts trying to collect. I have disputed this several times with the various credit bureaus and they even acknowledge on XXXX that it was wrong on their part. Now they are threatening to sue me and sending me papers from alleged law offices here in Michigan. Today I got a letter from a bankruptcy attorney saying he wanted to help me because he sees i 've had papers sent against me in the local district court. This debt is not mine and Midland is not the original debt collector, which went away after I signed the affidavit stating the charges were fraudulent. Midland Funding LLC fraudulently bought this fake debt from some other abusive debt collector. This is all wrong and I am the victim of abusive and immoral debt collection agencies seeking no more than to profit off of innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I called Webster Bank in XXXX MA to convert my home equity loan I have had with them for 5 years. At the time of the mortgage I was given a pamphlet giving the terms of this option. It was explained that this was very good and no other banks off this. I called on XX/XX/XXXX saying I wanted to exercise this option which reads. " We wiil charge you a {$95.00} fee whenever you exercise this option. " and " Here is how we will determine the fixed interest rate that will apply to a Conversion Option. '' It describes caps XXXX XXXX and floors XXXX XXXX further, " we will offer you the fixed annual interest rate we are generally offering to to eligible members of the public when we receive your conversion option request, for fixed rate equity monthly instalment loans for the principal amount and term you request '' The bank ( head of mortgages XXXX XXXX XXXX refuses to honor this agreement ( I asked for and received a copy of the signed original agreement and it is the exact language as the pamphlet. XXXX XXXX says, " She doesn't want to read the agreement '' and You can not get a mortgage without a closing cost. The advertised fixed rate mortgage on their website was XXXX XXXX on XX/XX/XXXX. I am asking that they honor the terms and conditions of the agreement with them and XXXX XXXX refuses to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Maury Cobb, Attorney at Law, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Maury Cobb Attorney firm is responsible for collecting a cell phone debt that I have with XXXX. When I left XXXX, I was told by the XXXX representative that as long as I paid {$30.00} per month, my account would not go into collections. This did not turn out to be the case. A representative from the Maury Cobb Attorney 's office has been calling myself ( XXXX ) and my wife ( XXXX ) a minimum of once but usually two times every day despite having setup a the same payment plan of {$30.00} per month with them.
I had the conversation with two different representatives regarding my payment plan over a two week period. I asked the second one if they were planning to continue calling me even though we set up a payment plan. Their response was yes. At this point, I informed the individual that I did not intend to answer any additional phone calls from the law firm as I am paying my bill as agreed. They stopped calling for a couple of days, but then have started back to calling at least once per day. Calling both myself and my wife daily at least once but usually twice seems like it would categorized as harassment. I hope that you can help me out with this matter. Here are some of the phone numbers that call me daily : XXXX, XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: ID Analytics, Inc.
State: SC
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:
On XXXX XXXX XXXX, I received notification via my credit alert service with XXXX that my credit had been run by XXXX XXXX. At that time, I pulled all three of my credit reports ( XXXX, XXXX & XXXX ) to see what had been done with out my permission. In deed, the XXXX XXXX had pulled my credit report. I immediately contacted, in writing, all three credit reporting agencies with the dispute. Then on XXXX XXXX XXXX, I received a notice in the mail from the XXXX XXXX of the incident  and also discovered that the XXXX XXXX also ran my credit through XXXX XXXX XXXX. NEITHER of these companies had my permission to run my 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 2022-07-08
Company: EQUIFAX, INC.
State: NY
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 sent a letter to each of the 3 credit bureaus ( XXXX, XXXX, and Equifax ) on XX/XX/2022 via certified mail. These are the tracking numbers for each letter ; XXXX XXXX, XXXX XXXX, Equifax XXXX. 

The letters were sent to the credit bureaus so they can investigate the inaccurate information on my credit report and delete or correct the disputed items that are listed in each letter. According to the Fair Credit Reporting Act Title 15 U.S. Code 1681 et seq., and the Code of Federal Regulations Title 12, Chapter 2, Part 222 et seq. inaccurate information and discrepancies should not be on my credit report.

Also according to 15 U.S. Code 6802, I have the right to privacy and my nonpublic personal information is not supposed to be disclosed to any nonaffiliated third party.The attached documents will show that my Federally protected consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I ended my XXXX XXXX service. They continued to bill me for two months after. I called customer service after receiving a collection letter. I thought it was resolve buy now a whole other agency is harassing me. I also still have their equipment here ( TWO years later ) because they never sent me the XXXX return label they said they would send. I owe them nothing and have disputed this through the credit agencies twice now to no avail.

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 2018-06-02
Company: Experian Information Solutions Inc.
State: FL
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:
I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. XXXX, XXXX  and Experian continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.

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