BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-29
Company: AMERICAN EXPRESS COMPANY
State: CA
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 rewards from credit card

Complaint:
To whom it may concern, I am an AMEX member since XXXX, and holder of the AMEX Platinum Charge Card that I pay {$550.00} per year annual fee, but right now am not getting what I am paying for. The reason for this is the AMEX seem to have blocked my loyalty program with them know as Membership Rewards Points. I collect these when making purchases on my card. I currently have a substantial amount of points approx 93k right now. I have had this Platinum Charge Card for a few years now - always paid on time, no late or missed payment and all my accounts with AMEX have and continue to be in good standing. 

I rarely use my Membership Rewards points, and the last time I did was in XXXX this year and transferred only XXXX of them to my linked hotel account ( Hilton ). When I went to do the same thing earlier this month amidst all this COVID-19 chaos to use my Membership Rewards points in an emergency ( the whole reason I have built them up ) I was met with the following message from AMEX on my online account : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I called AMEX, they were extremely unhelpful and no one knows what the issue is. This is unacceptable as is falsified consumer product offering. As mentioned, I am now paying the annual fee which is an extraordinary amount - for a service I am not getting and no one at AMEX knows what is going on, or will help. Someone knows how to unlock this on my account and this is why I am having to file this CFPD report. 

There has been no issues on my account, and a couple months back AMEX were helping me register new loyalty programs with external companies ( like XXXX XXXX, and Hilton Hotels etc. ) to my Membership Rewards account. Seems whatever they may have done may have caused this issue? I don't really know, but I need this rectifying ASAP as I have to use my points in an urgent manner with all this COVID-19 situation. 

It is extremely unfair, unprofessional and against a consumer act the way AMEX have done this and dealt with me, or lack thereof. 

I read on many online forums that AMEX are known for doing this for no reason and that the common process for people has been to contact the CFPD as AMEX are very bad from a customer service perspective on resolving this in a timely manner. 

I spend an average of {$5000.00} a month on this credit card and continue to be a very loyal customer. I have included screenshots of my account, average balance per month, how many Membership Rewards Points I have and also a screenshot of the message AMEX are showing me when trying to use these points. 

Please can someone help me with this and have this rectified. 
Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-05-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Midland Funding/ Midland Credit Management on multiple attempts to validation this alleged debt. The initial contact was XX/XX/2020 disputing this alleged debt asking for a contractual agreement with my wet signature showing I was in a contract with Midland Funding. They sent a return letter asking me to provide contracts documents and bills or statement to further THEIR research. Midland Funding has 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.They are hurting my credit report and has shown no proof that I owe this alleged that to them. All three bureau have three completely origin date which is another inaccuracies when they can not provide ME with no contractual agreement between myself and Midland Funding. This is embarrassing and defaming to my character. I expect this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$510.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2022-04-13
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving repeated phone calls weekly by the debt collection company stating that I owe money on the furniture I purchased roughly two years ago. I have explained to the debt collector that most of my furniture was paid in cash and some of it was financed on the credit card the furniture store had issued. we have sent the statements reflecting the payoff of the credit card. the debt collector in return sent me a itemized list of the furniture but fails to show any proof of what exactly is that we owe money for? I have paid of the credit card the furniture was purchased from and why am I being reached out by a collection ageny after two years of the purchase? why did Ashley furniture not contact us in the past two years? I am 100 % certain my debt if paid in full and if its not I will like the debt collector and Ashley furniture to provide proof of what exactly it is that I owe the money for. not just a phone call stating I Owe money but not knowing what for.

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 2020-01-28
Company: AES/PHEAA
State: CA
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:
Please reference previous complaint # XXXX, the same problems still persist. Since then I have paid in full one of the three loan balances, I have been making additional payments on the next of the three loans with lowest balance. AES continues to misapply my payments as instructed with a letter that accompanies each check. Further, AES insisted that I write a " Standing Payment Instruction '' or SPI for short, a letter that remains on file indicating my specific wishes for how each additional payment I make via mailed check be applied. Please keep in mind that I make regularly scheduled monthly payments by Direct Debit from my checking account, I have done so without a single missed payment since AES took over my loans in XX/XX/XXXX. Since AES received my SPI, which they acknowledged was on file as of XX/XX/XXXX, AES has not only misapplied my additional payments by check, they have also misapplied my regular monthly payments by EFT as well. Essentially, they are doing exactly the OPPOSITE of what my SPI directs them to do. Since the SPI was received by AES, 5 payments have been misapplied in direct contradiction to the SPI, 2 were regular monthly EFT payments and the other 3 were checks sent by mail directed to pay the balance of the subsidized loan balance only. On Thursday XX/XX/XXXX I called AES Customer Service to have the payment reapplied, which they have failed to do in a timely manner. A copy of the SPI letter, the mailed checks with accompanied payment instructions, and the most recent account payment summary is attached. AES has misapplied a total 14 of 23 payments made by check and sent by mail, now also add to that 2 payments made by automatic debit have also been misapplied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good day to all reading this message, XXXX XXXX XXXX I am responding to your notice that you placed in my consumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-02-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Interest is over 21 % for a 2008 vehicle. Dealer never told me this insane rate and vehicle had countless issues and no response from dealer. Credit acceptance harassed me as i lost job to repay screaming shouting, this company is tortur

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 2022-04-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for home retention options with Carrington MortagXXXX ( loan No. XXXX ) around XX/XX/2022. A loan modification offer was sent to me. The offer did not expire until XX/XX/2022. I called XX/XX/2022 with XXXX HUD counselor ( XXXX XXXX ) around XXXX. The Carrington representative said that the review was closed, and the loan modification offer was no longer valid. I also filed for mortgage payment assistance with XXXX. The case number is XXXX and was filed XX/XX/2022, counselor is XXXX. I just want to prevent my credit from going bad. Also to allow XXXX to pay the back payments to Carrington Mortgage. I also, would do the loan modification, if this will prevent my credit from being ruined. I also just reapplied for the mortgage assistance application with them. It was faxed and emailed on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Consumer Financial Services Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An affidavit of Billing Error Notice was mailed to Beyond Finance but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 


CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z. 
Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information. 
Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices. 
CFPB 1026.23 Right of Rescission ( cancellation ). 
A note is only a promise to pay and not payment ( Fidelity Savings Bank v Grimes, 131 P 2d 894 ). 
15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
MY lease ender I bought out lease and finaced thru ally on XX/XX/2020,! have been making payments ever since, I rec 'd notification from ally that account was moved to ally auto.com for the servicing of my account I had to use a new website which i could make payments had issue but finally I was able to log on to my account and now it shows I am past due over {$9000.00}. on the phone for over an hoiur disconnect many times no answeres i dont know if they reported this to the credi bureaus. I have not had any claification or corrections to my account getting the run around. I have my note and my payment hisotry which shows consitant payments sinbce loan was orginated They are giving me the run around sopending hours on phone with no satisfaction other then to tell me they are looking into it

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 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I pulled all three of my credit reports and saw that there were multiple inquiries that I didn't authorize. XXXX, XXXX and TransUnion have these listed on my report. 

Lentegrity - XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 explanation
Consumer complaint received 2023-01-07
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
SANTANDER CONSUMER USA has failed to respond to my NOTICE OF RESCISSION ; DEMAND TO RETURN ALL MONIES PAID for an alleged account with number XXXX. So, pursuant to TILA, 15 USC 1635 and Regulation Z, 12 CFR 226.23 ( A,2 ) ( D,1 ) ( D,2 ) I hereby exercised my right to rescind the transactions that is identified by the referenced account number for a total of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$41000.00} ), which included Down payment fee which at the first place according to the Law that I was NOT required to pay down payment to secure a loan, they made me pay for Dealer fee, Gross Trading Allowance, Dealer Admin Charge fee, Ext Service Agreement fee, Maintenance fee, Elect Filing fee, The Annual Percentage Rates fees, Total of Payments, and Total Sale Price, which were all illegal by the way. And BECAUSE A STATEMENT OF RESCISSION WAS NOT PROVIDED TO ME according to 12 CFR 1026.23 the notice was sent to SANTANDER CONSUMER USA to let them know that I needed to Rescind the transactions and to give me all my monies back and they failed to respond within those periods of 20 days I gave to them to respond based on the Law. So, they are in several violations, and I hereby exercise my rights to set them up for their FDCPA and FCRA violations to get back all my monies paid to them, and since they failed to respond to my NOTICE OF RESCISSION, I am declaring that legally if there was any property presented to me as the Consumer during this alleged transaction will be kept by me, as the Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection was resolved last year XXXX XXXX XXXX contacted AFNI and provided documentation stating that there was no pursue of funds since the billing was created by an internal mistake. At the time this collection was removed from all credit bureau but now as of XX/XX/2022 AFNI has filled again. I called them and they stated that 1- it would take 7 to 10 days to get an email with the information that they have, Then they told me it would be 3 days. more than 10 days have passed and i still don't have any information as to what they claim to have

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Last year I discovered a false account with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation