BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: NE
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 with product or service terms changing

Complaint:
Company : Experian On XX/XX/2020 Experian showed my credit score dropped 25 points with NO negatively impacting factors occurring. I attempted to contact Experian by phone, although Experian goes to extreme lengths to avoid talking to anyone. Experian has it set up so that it is impossible to call Experian and talk to anyone. Experian requires all contact be in writing and accompanied by a mile high stack of documents which they state that they may or may not accept upon reciept of, and then after which they will eventually respond to you in writing with their opinion, without any back and forth problem solving dialog. Experian aggressively solicits their credit score booster feature with a monthly paid subscription with them. My credit score reduction that exists ONLY with Experian and not either of the other two credit reporting agencies ( XXXX and XXXX ) appears to be an unfair tactic to persuade consumers into paying for Experian 's product named " credit boost '' by lowering consumer 's credit scores without any reason at all. These are unfair tactics that very negatively impact consumers who have no recourse but to pay Experian XXXXredit score improvement ransom money. Please 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 explanation
Consumer complaint received 2022-01-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
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:
Our mortgage credit reporting is missing most of the dollar payment amounts and is only showing three ( 3 ) of the eleven ( 11 ) payments ( see attached ). This is also being confirmed at the other two credit reporting bureaus and what we were told the last time we tried to Refinance. We have made eleven consecutive payments to our mortgage company and they seem to refuse to post the dollar payment amount for each month the payment was made to the Credit Bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 2016-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
According to the fair credit reporting act, Section 609 ( a ) ( 1 ) ( a ), Equifax is required by law to verify, through the physical verification of the original signed consumer contract- any and all accounts that are posted to my credit profile. I have asked previously for verifiable proof ( an origional consumer contract with my signature on it ) for the accounts listed below. Failure to provide this proof has hurt my ability to obtain credit. Under the FCRA unverified accounts that Equifax has not sent verifiable proof of must be deleted. The accounts in question are listed below Legal Item public record XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX PROFESSIONAL FINANCE CO Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PROFESSIONAL FINANCE CO I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2015-03-24
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The XXXX XXXX XXXX has contacted me regarding a citibank credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to being out of work since XXXX, I have been struggling to pay my mortgage. I recently retired and is living off my retirement, plus saving. All this is due to the coronavirus pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX dollars was charged to my account on XX/XX/21 because of a transaction of XXXX dollars was not available in my account. This XXXX dollars was NOT available in my account and I was sent a notification of my card being declined. If my card was declined why am I always charged overdraft fees. I've tried 2 times to tell them to set up my account so that IF there is NO monet in there to not charge me. Wells Fargo has not taken care of this so this is the 3rd time. I feel like they want to charge me.

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 monetary relief
Consumer complaint received 2022-01-29
Company: United Built Homes LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We live in XX/XX/XXXXand have a home mortgage with United Built. They take your land as collateral to secure the mortgage. We are in a mortgage with over 9 % interest, which is unheard of rates at this time. My income lowered by over 40 % at the time of the pandemic. We fell behind our payments and have been unable to get refinanced due to late payments. United Built would not even discuss a forbearance during the pandemic. So we are stuck in this high interest mortgage. We also have been unable to get any relief assistance because we are not in a federally backed loan. This mortgage company is so unfair to myself and others. While the government continues to offer help to those of us who have been impacted greatly by this horrible pandemic our mortgage company offers none. Very sad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has added their information to my credit report and I in fact had NO DEALINGS or NO CONTRACT signed with this company. Please remove from my credit report now or I will be forced to take legal matters! Please remove from my credit report NOW!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This is my official complaint against the billing practices, and violations of TILA and Regulation E, by Santander Consumer Finance. 

On XXXX/XXXX/15, I was involved in a car accident and thusly my XXXX Nissan Maxima was XXXX. The car was financed through Santander Consumer Finance. In correlation with my insurance company " XXXX '', Santander was also notified of the accident. My insurance company made a {$21000.00} payment to Santander for the price of the car in XXXX of 2015. The remaining amount owed to Santander by me is an estimated {$13000.00}. Per my original note with Santander, my original monthly payments were {$670.00}, prior to the date of the accident. 

I received a call from Santander on XXXX/XXXX/15, requesting that a payment be made and to advise me that I was 14 days past due of {$260.00}, asking that I make a payment with them. Again I had not received any response from Santander to the accident, until the XXXX/XXXX/15 call. I told the representative that I needed to be provided a disclosure in writing outlining terms and conditions of the loan modification. First the representative stated that she could n't do that, and then she asked me to validate my email address, and then she sent me a statement. I made no arrangements to pay as there was no way to validate that the caller was Santander representative. On XXXX, XXXX/XXXX/15, I received a call from another person claiming to be from Santander, socializing the same information, and subsequently emailing me a statement instead of a disclosure as I requested. 

In reading some of the CFPB Guidance around Closed End Loans, disclosures are required for " change in term notifications. '' However I did not receive any notification prior to receiving an email copy of a statement. 

In addition to my not receiving the proper disclosures to accompany the modification of the terms and conditions, my interest rate was not clearly and conspicuously identified, and the statement does not include the proper dispute information per Regulation E, though the statement does identify that Santander offers electronic payment services which I use from time to time. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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 notice that there was a company Midland Credit Management on my credit report stating that I owed {$960.00}, I submitted a dispute with XXXX on XX/XX/2020, it came back verified and updated. So I sent a letter to the creditor on on XX/XX/2020 asking them to send me documentation bearing my signature. I never received anything from them, so on XXXX XXXX I sent a second letter requesting again, documentation bearing my signature. On XX/XX/2020 I sent a certified letter to XXXX  advising them that the Creditor Midland Credit Management failed to verify the debt and ask for the negative reporting be removed. Few days later I received a letter from Midland stating " they have opened a investigation regarding my dispute '' and it will take up to 120 days and they will report to all three agencies to delete the trade line. Well today is XX/XX/2020 and nothing has been removed. XXXX acknowledge that they received my letter that I sent on XX/XX/2020 and they have until XX/XX/2020. Midland Funding allegedly purchase this allege debt from XXXX XXXX without any proof that this debt is mine and is reporting on my credit report and I want to know how XXXX verify this with them, if there is no documentation verifying that this debt is mine. I will send the letter that Midland Credit Management sent to me stating they will have the trade line deleted to XXXX and I hope XXXX delete it right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a platinum money market account XX/XX/2019 in response to a promotional offering from BMO Harris that I would receive a {$100.00} incentive 150 days after account opening. I met the terms of the promotion, which BMO Harris confirmed, but is has been greater than 150 days. I have not received the {$100.00} incentive and BMO Harris has not responded to 2 inquiries from me via my online account portal.

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 monetary relief
Consumer complaint received 2020-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I generally run a positive balance on my credit card at Bank of America ( BAC ) to ensure that if I miss a payment I am not debited with the inordinate charges that banks levy in such instances. 

Ever so often, BAC debits my credit card with the credit balance on my account, e.g., {$1000.00} on XX/XX/XXXX. A week later, my account shows a balance of {$680.00}, which obviously does not look right to me, as I had a credit balance of more than a XXXX XXXX a week ago. On investigation, I notice that they removed ( dare I say, stole? ) {$1000.00} from my account. This debit did not go straight into my current checking account. So, where is it? 

So, I now have to set aside time in my busy schedule to call them up and eventually find a person to whom I explain the situation. Much apologies, etc. but not sure where the money went. I told him it happened before and I think you sent me a check to cover the debit the amount in my account. 

First of all, I don't want a check, another waste of my time. Secondly, if it takes a week for the check to get to me, they had the free use ( float ) of my XXXX  XXXX  for a week. Multiply this practice by a million customers and the bank has just created a billion-dollar float. 

I warned them that I was going to file a complaint with the FTC, so, they promised me that someone from the bank would call me and leave a message if I don't answer. I ask them to text me to let me know of the failed attempt to contact me. Well, almost two days later and no call, no text. Hence, the reason for filing a complaint. ( Other than that, BAC has been my bank since XXXX, and it has been a happy relationship. ) They have to stop the practice of removing credit balances from credit cards. If they insist, then they must immediately wire the money back into the account from which the transfer was made in the first instance. They should not have the right to hold my money form from XX/XX/XXXX to XX/XX/XXXX and counting. I'm sure you will agree it is almost unconscionable. 

This has happened before and I pleaded with them to stop doing this, but they are hard of hearing. Maybe this complaint will correct the 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 2016-11-14
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased my SUV approximately 2 1/2 years and due to cost of living, due to my relocating it has caused my travel commute to double/triple. The gas of course has increased. XX/XX/2016. I contacted Santander USA/consume to let them know I am voluntarily surrenders my vehicle numerous of times and it is now XX/XX/XXXX, and I still have the SUV. Right have still been receiving calls about payment and recently got a call from an account manager that was absolutely rude. At this point I am going to park the vehicle somewhere and tell them where to pick it up. My main reason for this, is rather than me keeping the vehicle and continue to struggle paying payments, I thought it would be best to return it to the bank. I have ever not driven the SUV since XX/XX/XXXX and they continue to harass me for payments and wo n't accept that I am no longer in the position to carry the payments. I told them to call me and arrange date and time -- -it 's now almost 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I have a complaint against MoneyGram. For years I have been sending money to my wife using MoneyGram. 

On XXXX XXXX, 2015 I drove into a MoneyGram store and paid the fee to have {$990.00} transferred to my wife in XXXX XXXX. 
I then drove back home and called my wife and gave her the reference number I was given. 

My wife drove to the bank in XXXX XXXX, waited in line for 1/2 hour, only to be told the transaction had been blocked and shecould not receive the money. 

I then drove back to MoneyGram store and was told only thing they could do was to cancel the transaction. 
They also gave me a MoneyGram number to call. 

I called the MoneyGram number XXXX and was told that my name had been confused with someone else on a listthat they do n't do business with. The Agent, named XXXX, told me that they had corrected the problem, and that I should have on further trouble. 

On XXXX XXXX, 2015, I again drove into a MoneyGram store and paid the fee to have {$990.00} transferred to my wife in XXXX XXXX. 
I then drove back home and called my wife and again gave her the reference number I was given. 

My wife once again, drove to the bank in XXXX XXXX, waited in line for 1/2 hour, only to be told the transaction had been blocked and shecould not receive the money. 

I have XXXX complaints : ( 1 ) If MoneyGram is not going to honor the transaction, then they should inform you up front and not waste your time and gas money. 

( 2 ) If MoneyGram and the Government compiles " list '' of people they can refuse service, then there should be clear guidelines as to what is required to get off this " list '' ; or you should be given concrete reasons why you must remain on the list. 
There should be a process clearly spelled out for people who do n't belong on this " list '' to get off of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a Wells Fargo bank customer for the past 15 years, I have heard many times that Wells Fargo has a lawsuit going on about consumers being owed funds back due to high interest rates, credit cards, overdraft fees, and car repossessions. I would like my bank Wells Fargo to check to see what fees that I may be owed back from between XXXX, the years in question.

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