BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-02
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Issue: Rewards

Complaint:
I applied for the American Express XXXX card with a XXXX Membership Rewards points bonus offer. The terms of the offer stated that the XXXX points would be available within 6-8 weeks of meeting the minimum spend requirement. The XXXX points did post to my account, but I was told by an American Express representative that everyone who applied for the XXXX point bonus offer would have their Membership Rewards account locked and be unable to redeem their points for 6-8 weeks. An American Express agent I spoke to confirmed that it has been over 8 weeks since I met the minimum spend requirement and since my Membership Rewards account was locked, but that my points can still not be redeemed. He also said it was not possible for somebody to manually unlock the account, and that I would need to wait until the system automatically unlocks the points. He said there was no date by which the points are guaranteed to be unlocked, and that I will need to wait for an indefinite period of time to redeem my points. This applies not only to the XXXX points that I earned from the bonus offer, but to all of my Membership Rewards points, including those I earned from other cards before signing up for the bonus offer. Essentially, all of my Membership Rewards points that I earned in accordance with their terms are unusable until an unknown date, and nobody at American Express can fix the issue or tell me when the issue will be fixed, despite the date that their terms said the points would be available having passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Atlanticus Services Corporation
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a letter today dated XX/XX/ from fortiva retail credit. XXXX XXXX XXXX XXXX Georgia XXXX - XXXX. 
The letter says that there have been changes to my account. 
Last 4 numbers of the account XXXX and that the changes to my account will be effective on XX/XX/. I have never opened any credit card with Fortiva retail credit.this is not consensual business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: MO
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:
This is a follow up to previous CFPB Complaint I submitted reuqesting the correction of the erroneous accounts reporting on my Credit File. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of accounts with erroneous information that should be corrected as soon as possible : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$49.00} XXXX XXXXXXXX Balance Owed XXXX {$2100.00} XXXX XXXX Balance Owed : {$910.00} XXXX XXXXXXXX Balance Owed : {$910.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been the victim of financial fraud by a family member that was prosecuted and served federal prison time for it. It has caused me many issues with my credit and personally. Many of the items that are on my credit report were part of the fraud and I am stuck with trying to fix it as best I can. I have worked for years with those that have allowed me to do so. Those that were unable to do so are the ones I am now trying to clear up and at least get them to show correctly on my credit report. This has been very frustrating as a consumer, so now that I have found this website, I am hopeful. 
A collections company has evidently bought debt from a CC company and placed XXXX sections on my credit bureau. I feel as if this is incorrect as no one from that company has ever contacted me at all. I believe this is only XXXX debt as a result of my name and SS # being used fraudulently and would like to get this clarified and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions 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 status incorrect

Complaint:
These accounts are inaccurate. Please delete and take off all 3 credit reports

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 2023-07-11
Company: Albert Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was charged money for something I no longer even have. I deleted the app before I did anything and was charged XXXX dollars over a month later. I dont even have it anymore and never signed up for anything

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Bank of America removed funds from my account on different day than XXXX XXXX  received theirs. When calling, friendly associate named XXXX said my account was blocked from removing any fees.. Why am I being treated different than any other customer???

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 2020-02-21
Company: CAVALRY INVESTMENTS, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received debt collection letters from the following firms : Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Regarding a collection for debt with the following information : Creditor : Cavalry SPV I , LLC  Prior Creditor : XXXX XXXX XXXX Account No : XXXX XXXX XXXX No. : XXXX Current Balance : {$4600.00} XXXX XXXX XXXX File Number : XXXX I have sent two dispute letters to Cavalry SPV I , LLC and one dispute letter to XXXX XXXX XXXX XXXX. 

I do not have any responsibility for the debt they are trying to collect. 

Cavalry SPV I , LLC sent me a copy of a bill from XXXX with the Account Number XXXX as a verification of debt. This bill was addressed to : XXXX XXXX XXXX XXXX LA XXXX This is not my address and has never been my address. They are sending these collection attempts to the wrong person. 

In addition, I pulled my credit report from each of the three nationwide credit reporting companies XXXX XXXX and XXXX. These companies have no record of Inquiries from XXXX XXXX XXXX in my credit history. Also, these companies have no record of a XXXX XXXX XXXX   account belonging to me in my 26-year credit history. 

This debt does not belong to me but they are continuing to attempt to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
There is a credit card that was issued by Household Bank. The debt went bad. I settled this debt with a debt collector years ago. I received a call from a collection company or attorney in Florida stating that they were going to have me arrested for Fraud. I spoke with an XXXX the first time. She would not give any information and started insulting me. I told her I was going to file a complaint with the FTC and my state 's attorney generals office. 

As I was filling out this form I called back to ask the address of the firm. They forwarded me to another person named XXXX. He was very argumentative and told me that they do not give out their address. After he continually asked me why I wanted to know their address, I finally told him it was so I could forward the information to my attorney generals office and the FTC. I said I do n't really need it but the form was requesting it. 

His response was that I apparently have everything I need. He then stated " also, do not contact this phone number again ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to follow up regarding certain accounts on my credit report. I noticed that these accounts are being reported to Equifax, but not to other credit reporting agencies, such as XXXX. This raises concerns about the verification process for these accounts, as it appears that they may not be consistently reported across all credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, Freedom mortgage directed an unauthorized ( meaning not authorized by me ) allocation of funds from interest to principle. Instead of dividing the payment for XXXX into allocations of both interest and principle, they allocated 100 % of the payment to principle. I do not know why they did this and they are unwilling to admit to why they did this. Freedom mortgage reported that I missed a payment towards the interest of the loan for the month of XXXX. This has impacted my credit score which has dropped as much as XXXX points. 

Freedom Mortgage has called me stating they are a debt collector and requested that I not cash any checks they sent to me. 

Prior to XXXX I requested removal of PMI since I was eligible because my account was in good standing. 

They approved the removal of PMI and implemented it but the implantation resulted in accounting errors and miscommunication between internal departments. They incorrectly pro-rated over-payment of the PMI amount prior it's approved removal and started sending me checks in that amount. The month the PMI was to be removed was the same month the misallocation of the monthly autopayment was made to 100 % principle.

They now state they have not made inaccurate reports to credit bureau 's but have stated that they have amended reports to state that my account is " current ''

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 2023-03-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I called and spoke to SPS Select Portfolio Mortgage Servicing Company that bought my mortgage in XXXX regarding an unauthorized payment made by SPS to XXXX XXXX XXXX in the amount of {$16000.00}. I did not receive any notice regarding this payment. There was no lien or lien sale regarding the water bill. But instead SPS once again took it upon themselves to pay this bill and to attach it to my mortgage and charge me interest and increase my monthly mortgage amount. This is the second time that SPS has paid a debt on my behalf to only charge me an outrageous amount of interest and monthly amount due. I do not want an escrow account and had intentionally cancelled in in early XXXX. The property tax bill that SPS paid was done against my written notice ( as per company instructions ) to fax letter stating that I do not want the company to pay this debt. My monthly mortgage payment went from {$1000.00} to {$2000.00} due to SPS disregard to my written notice not to pay this debt. Now with the water bill SPS paid has increased the mortgage monthly amount to {$3000.00}. This is a deceptive practice and the first time SPS had ignored my written notice instructing SPS not to pay. The payment made to XXXX XXXX XXXX was done without any merit or notice. The account was not in lien or lien sale. I called today to demand SPS immediately repay the amount of {$16000.00} back to XXXX XXXX XXXX. I was told they would put in a request to research the matter?? I explained that time was of the essence. But the only recourse for me was to wait to see if the advance be repaid to the escrow account? This does not make sense. If the money is not refunded to the XXXX XXXX XXXX in full, the grant will no longer be available and SPS profits by this by charging me interest on said money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was settled in FULL with XXXX, and yet they continue to report open collections, even after I 've CMRRR mailed them the payment info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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:
upon revieing my credit report to try to obtain a rental property i noticed that there were numerous items on my report that did not belong to me. XXXX acount # XXXX for {$84.00}, XXXX account # XXXX for {$98.00} and XXXX. XXXX  account # XXXX for {$830.00}. Theses account are not mine and do not belong to me i have never had these acoounts before. I have also made a report with identitytheft .gov report # XXXX please remove these account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: First Consumers Financial LLC
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
They never gave a copy of the agreement and there were fees Added that were not discussed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I mailed check XXXX to Guaranteed Rate mortgage company for the amount of {$2100.00} which is the full amount. It was cashed before the amount was due on XX/XX/2020. The payment was due XX/XX/XXXX. 
Guaranteed Rate sold the loan to another company named XXXX XXXX. They wired the payment to XXXX XXXX. 
It has been 34 days and neither company knows where the payment is. I now have a derogatory mark on my credit. I signed up for auto pay and they would not take the XXXX payment out of my account. I had to call and give them my banking information and pay an extra {$20.00} to make the payment. 
I have had conference calls with both companies and their response is everything will be ok. I have spoken to my mortgage broker multiple times and asked him if I should make another payment as soon as I found out which was before it went on my credit as a late payment. 
I have went to full lengths to resolve this issue with no success. My credit is very important to me and this is unethical behavior. 
Attached is a copy of the cashed check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: TRANSWORLD SYSTEMS INC
State: PR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a letter from the debt collection company named " Transworld Systems , Inc. '' ( XXXX XXXX XXXX, XXXX, PA XXXX ), claiming that I owed to XXXX XXXX of XXXX {$440.00}. 

On XX/XX/XXXX, I wrote a letter to Transworld Systems with a copy to the XXXX XXXX XXXX stating that I already had paid the alleged debt. I enclosed with my response information of the electronic payment that I did ( confirmation number ) and notified that the equipment was pickup by a XXXX employed on XXXX XXXX, XXXX. ( Please, see Exhibit XXXX ). 

A few days later, on XXXX XXXX, Transworld sent to me a XXXX letter alleging that the same debt mentioned before was unpaid. I responded again that I already had paid the debt and that the equipment was returned, so, no balance was pending. I also asked for a cease and desist of sending to me their collections letters. ( Please, see Exhibit XXXX ). 

However, on XX/XX/XXXX, I received a XXXX collection letter ( dated XX/XX/XXXX ) alleging that the same debt was still unpaid without any consideration to the letters and supporting documents that I previously submitted demonstrating that I paid the alleged debt in full since XX/XX/XXXX. 

These insistent and continuously submissions of letters asking for a non-existence debt are obviously an illegal harassment against me. So, herein I am asking from the " Consumer Financial Protection Bureau '' their protection of these XXXX companies ' illegal harassments ( XXXX XXXX and Transworld Systems , Inc ).

Company response to consumer: Closed with explanation