BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Other

Complaint:
Good Morning, Thank you for creating this tool. XXXX issues with American Express:1 ) American Express with zero notice suspended charging privileges on my SPG credit card last week, claiming " Financial Review. '' With zero late payments, frequent payments ( ex : XXXX in XXXX 2015 ), and zero violations of my card member agreement, I am astonished. I have spent the past week dealing with vendor escalations for my company - AMEX has even denied those recurring charges. ZERO notice given ... What is AMEX 's responsibility to me a perfectly paying single Mom with XXXX XXXX and jobs to create? 

2 ) My assistants have always had a copy of my AMEX card with their names on it as Authorized Users NOT Responsible Parties. The Agent with whom I talked last at AMEX said in past years soc # was not required until Patriot Act. The Credit Bureau Dept at AMEX @ XXXX says they possibly reported my current assistant of over 1 year in error. The new requirement to have someone 's social security number on file is a gov't rule, and in no way should it have been used in her debt to income ratio by any lenders .... yet it was. She was denied a car loan and then her STUDENT LOANS this past. 

Thank you CFPB et al for your help. I have worked hard to follow AMEX 's rules and appreciate any advice you have. Is there a Cardmember Bill of Rights yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I purchased a prepaid Serve American Express at XXXX at checkout something was n't was n't standing correctly and they had to bring up the card and at which point they told me it would be active it was supposed to automatically be ready to use and apparently it was not scan properly and when I tried to take it back they told me to call the Washington State financial institutions when I called American Express and they asked me for copies of the receipt copies of the Box copies of the credit card so on and so forth copy of my ID and so far I 've heard nothing back from them and spent {$200.00} for nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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: Old information reappears or never goes away

Complaint:
I have written and talked to them on the phone and was told they would investigate and update it in XXXX days. Nothing was changed. They claim no discrepancy was found.

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 2016-09-17
Company: Jonathan Neil & Associates, Inc
State: WA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Calling during work hours after stating that Im not allowed to accept personal calls during working hours. I 've given hours that he can call but does not call durning these times. Due to these issues I have had delays in payment. The collector will now not accept a months payment, saying that he does n't have time for the process unless I have previous months payment.

Company response to consumer: Closed
Consumer complaint received 2018-12-28
Company: JPMORGAN CHASE & CO.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
J

PMorgan Chase is currently the creditor for my automobile loan. Every time I go to log on to their website, I get errors. It is always a problem with the password or user ID. I have changed it literally over a dozen times over the last year ( once every month, because when I make my monthly payment, I must attempt to change the password each and every time I log in to my JPMorgan Chase auto loan account ).

Note that I have tried this on 3 different browsers, as well as my wife 's computer and my work computer. All scenarios end up the SAME.

This has been very stressful every month I go to pay. I also have found that a simple internet search reveals that many people are having the same problem. I sincerely believe that they are intentionally making consumers late on payments. Whatever their motive is, they know darn well that this is an ongoing issue for many of their account holders and yet they do nothing about this. Please proceed with an investigation and if so, I might also be interested in heading up a lawsuit against this criminal activity.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I had a credit card through Credit One that I asked them to close my account since I lost my source of income, and freeze the interest so it would not increase the amount I owe, I called them numerous times and wrote several letters but They refused to close my credit card account and racked my balance to almost double my credit limit. Then they immediately sent it to Midland Credit Management credit collections company. Now Midland is harassing me and threatening to take me to court. I tried to tell them nicely that I had an open dispute with XXXX bank since they refused to close my account when I asked.They will not accept my dispute claim and continue to XXXX me for almost a thousand dollars. I told them I do NOT owe near that amount, but they refuse to accept my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: RI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I set direct deposit online to my online h.r. I entered my account number and routing number and this information was excepted withan confirmation number. My official pay day was XX/XX/2016 but funds were never and still havent been recieved to my account. I have a trace number and gave it to the institution where funds were sent but they are telling me the funds werent qnd still havent been recieved. My employer will not issue me a new check and the reciever is saying that can not send anything back they never recieved! Im at a loss. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Aside from receiving calls from XXXX of Midland 's XXXX phone numbers frequently, they were dishonest about an agreement we reached. I was led to believe that by paying the alleged debt in full that their trade account would be removed from my credit reports. That 's the reason I paid the debt in full. After making payment, I called to confirm that the trade line would be removed from my credit reports. They stated they no such agreement was made, and that they do n't do that sort of thing. I could have paid 25-50 % of the debt balance as a settlement if they were n't going to remove it from my credit report. They conned me into thinking they would uphold their end of the bargain, but it was all lies. They also sent paperwork showing that I only paid {$590.00}, but the check I attached clearly shows a payment of {$730.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
On XXXX XXXX i purchased an AMEX XXXX XXXX XXXX gift card at XXXX on XXXX XXXX in XXXX, for the amount of {$250.00} plus a {$4.00} fee. I put the gift card and the XXXX receipts for the gift card into a sweet XXXX birthday card and mailed it via USPS from XXXX to XXXX XXXX XXXX, XXXX By XXXX XXXX, the card has not arrived at the destination. I went ahead and filed a missing letter report with the office of USPS, picture of the report is included. I also immediately contacted customer service at American Express Gift Card department at XXXX. I have images of the receipts for the purchase of the gift card as well as credit card statements from XXXX XXXX, which i used to pay for the gift card. On the packaging of the Amex gift card it states that " funds replaceable if lost or stolen '' ( and i am including the image of the packaging as well ). The customer service at Amex refused to help me. They stated that their " system '' does not recognize the receipt number or the account number of the card which is on the receipt as well. I have called the Amex customer service 4 times and each time they refused to help. I am completely at a loss of what to do. I felt safe purchasing the card and sending via USPS because of the refund guarantee stated on the packaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have no idea what happened to the account

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 2023-02-03
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 information incorrect

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. 
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 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 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 2018-08-21
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have received several phone calls, emails, and USPS letters requesting payment on a Credit Card I don't own and have never heard of. When I requested explanation was never told what the charge was for. The charge came from a collection agency, XXXX XXXX XXXX, who claim they are collecting for a credit card from XXXX XXXX XXXX  for a charge of {$410.00} for something called XXXX. Have never heard of any of these entities. Have never had a credit card from XXXX and so never received any bill from them until I got the call from XXXX. Totally baffled about all of this. Only thing I can think of is that someone opened an account in my name. But with my address why didn't I get the notices in the first place? I checked my credit report and this is the only bad mark on my credit. Am understandably very upset about this.I haven't saved all the correspondence but will send the earlier response to a former dunning notice. Sorry don't know how to scan the bill. I did report to the local police who told me to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: GA
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have experienced a Covid-related hardship related to a tenant at a rental property. This property has a mortgage that is serviced by SPS Servicing. In XXXX, I reached out to convey this hardship and sought a payment deferral that was made required by Fannie Mae on XX/XX/2023. These enhanced terms provide that a payment deferral plan be enacted for up to XXXX months ( deferred payments accrue in a non-interest bearing account ) and that no negative reporting would be issued for missed payments. 

The servicer told me that I needed to let the mortgage go XXXX months delinquent before any options could be explored. When I called SPS Servicing recently ( XX/XX/XXXX ) a representative told me that I was severely behind in payments and that steps for foreclosure would begin XX/XX/XXXX. I inquired again about XXXX XXXX XXXXs enhanced deferral policies and the individual was unaware of these new required terms. Also, she could not distinguish between payment deferrals and a loan modification ( she was pressuring me to get a modification which I do not want to do ). As an alternative, the representative told me to submit a letter requesting the newly required enhanced deferral terms, which I submitted but have not heard back from. She also told me to complete a form that is supposed to be under a " Mortgage Assistance '' section but the link on my profile does not yield any information. I am deeply concerned that I will lose my home due to the servicer either being unwilling to abide by XXXX XXXX XXXX XXXX required enhanced terms or they are completely unaware of them. I need their proactive communication with me as I have sought to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Bread Financial Holdings, Inc.
State: NC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, Experian and 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 explanation
Consumer complaint received 2018-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted XXXX XXXX XXXX to repair a washing machine. The first XXXX technician did an analysis and ordered parts charged ( {$210.00} ) to my Bank of America Visa credit card. After the parts were delivered to my home, two different XXXX technicians arrived to affect the repairs. They determined that the first technician misdiagnosed the problem and ordered the incorrect parts. They labeled the parts for XXXX pickup and left them on my front porch on XX/XX/2018. I have a receipt from them indicating a refund for the parts purchased. In spite of numerous calls to XXXX XXXX XXXX and multiple commitments to have the parts picked up by XXXX, they sat on my front porch for almost one month. I contacted BoA regarding reversing the charge. At their request I provided the receipt indicating that the refund was approved ( but not rendered ). After a delay, BoA made a request for additional information that had no relevance to my issue. The request was nonsensical. Calls to BoA did not help. BoA in my opinion just did not want to honor my request in spite of documentation. Their behavior is inconsistent with that of my other financial institutions. I would like BoA to honor my request, supported by documentation and reverse the charge of {$210.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: MO
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 have sent certified letters to the companies with no response and no proof of ownership it is against my rights and HIPPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX I want to complain about VW credit for their 1 ) Mismanaged service, 2 ) Excessive wait times, and 3 ) Faulty equipment that makes it impossible to pay by phone.

My wife attempted to make a payment on our VW account. No matter how many times I have authorized her to make payments on this account, VW has denied her.

Which means that every time she attempts to make a payment, she needs to reinput all the numbers on our bank account after waiting an excessively long time.

Today, she waited on her phone over 20 minutes to speak to a supervisor in addition to the 15 minutes to wait for a person to take the account number after their system did not accept the account number punched in.

Their attempt to " help '' was to call me during business hours. This is not acceptable as I'm in meetings most of the day. As I already had authorized my wife to make payments by phone, this should not have been an issue.

Company response to consumer: Closed with explanation