BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My FATHER IN LAW informed me that a collection agency named Midland called him and they were trying to get a hold for me, this was a situations very embarrassing so I decided to contact this collector I requested to do not contact my father in law anymore and I updated my phone number and personal information, I made this for the obvious reason to stop the embarrassing with my father in law. 

This company continued to contacting my father in law, even when I requested to stop, it was at the point that my father in law asked them to stop calling him and gave them my phone number so they can reach me. 

One day I received a call form this company Midland Funding/Midland Credit Management, The representative informed me the company was considering legal action against me so I should start paying the debt, he pushed me so bad at the point that he phrase in the would continue contacting my father in law. With this two big threats the representative offered me to enroll in a payment plan so I said yes. I put {$100.00} dollars down and the payments of {$74.00} every month. 

After this and since I been impacted financially due to the COVID pandemic, I can not afford this payments anymore. I've calling this company for weeks to stop the payments, in every call the representatives said I have to reach " my account manager '' XXXX at XXXX ext XXXX but every time I call this number and extension I get transfer to a voicemail, I already left voice messages but any return call. I feel this is a tactic this company use to prevent the consumers stop making payments. Also I was informed about another bill that Midland Funding is collection something that I fee unfair since they never informed me about it. 

In one of the calls I recently made to Midland Funding, I was informed that I can not be suit due to the statute of limitations, something that contradicts the representative who called me since he told me the company was considering to file a lawsuit against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
There is a huge difference between my balance displayed online. My XXXX spend shows a balance of {$15000.00}, while the online balance with no transaction description of charges sums up to {$35000.00}. This is a huge discrepancy of {$20000.00}. Which may be possibly explained by the following : Discover Card issued back credits that were rightfully mine in the amount of {$21000.00}, off a sudden out of no where, they recharged me back. These are the following items I have documentation that states the cases were settled in my favor : XXXX XXXX # XXXX {$1600.00} XXXX XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX # XXXX {$1900.00} XXXX {$2700.00} XXXX XXXX {$350.00} XXXX {$150.00} XXXX {$3800.00} XXXX {$600.00} XXXX XXXX {$130.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$460.00} XXXX XXXX {$60.00} XXXX {$720.00} XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$190.00} XXXX XXXX {$500.00} XXXX XXXX {$400.00} XXXX XXXX {$370.00} XXXX XXXX {$340.00} XXXX XXXX {$230.00} XXXX XXXX {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: National Credit Systems,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:
I never received a verification of the debt. I have requested validation verification of the debts without any respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I received an email notification from American Express credit line determination department, stating that there had been a change to my credit limit. When I opened the email the information stated AMEX had decided to lower my credit limit by {$3000.00}, from approximately {$9000.00} to {$6000.00}, thus placing the card which already had a {$6000.00} balance on it into a maxed-out credit card position. They advised me to call if I had questions, no explanation was given in that email. I called and spoke to the XXXX different individuals, a regular representative, a credit line representative and their supervisor. I was told by all XXXX that they made the determination based off of XXXX late payments. To my knowledge all under 30-day lates. I should mention, I am a retired XXXX veteran, and I am a full-time student, which caused my 10-day late payments as I 'm on an extremely tight income. Notwithstanding, I paid my bill in XXXX and I paid XXXX 's bill on the XXXX. To my knowledge, I was only 10-days late on those payments, not XXXX, XXXX or 90-day late payments. The AMEX representatives told me that the reason for their actions were because they opened up an investigation on my account ( again without my knowledge ), pulled my XXXX score and credit report ( also, unbeknown to me ), and made this determination without forewarning or notification. To my knowledge, I had not received any form of notification that they were even considering these drastic of actions neither in writing or by phone. Also, to my knowledge, I was n't afforded any of the protections under the Truth in Lending Act, specifically Credit Card Act of XXXX, where companies are required to notify the customer in writing if they are going to impact the customer 's credit, pull credit scores without the consumer 's expressed permission, change the terms of the agreement, which ultimately adversely impacts the consumer. All of these apply to my situation. An AMEX representative told me that the only way my credit line could be reinstitute, thus pulling me out of a maxed-out credit card position would be to give them my bank account information, my XXXX, all other sources of income and all savings and government pensions I may be receiving. Specifically, Proof of Income, Proof of Financial Assets, all sources of employment, OR, give them {$3500.00} by XXXX XXXX to have my credit line and thus credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
American Express has reduced the number of days before payment is due in full. They went from essentially an end of the month ( last day of the month ) to a 25 day payment period from closing date. As an example, if your closing date was on XX/XX/XXXX, payment would be due in full on XX/XX/XXXX. This is a change that only benefits American express and not their customers and is a way to increase late fees and other charges. American Express knows that most people get paid on the last day of the month and that is how they budget their credit card payments. Now by moving it up, they know individuals will incur late fees as they will not be able to pay the balance until they are paid from their employer. This type of change is just a farce and unethical in my opinion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Credit card
Issue: Other

Complaint:
HSBC Bank Nevada did not provide a copy of an alleged contract ( Terms and Conditions ) upon request, despite listing an alleged debt based upon said alleged contract on at least XXXX credit bureau reports. I do not concede the validity of the debt, but would like to see the alleged contract so I can respond appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived at XXXX XXXX XXXX, XXXX, MS XXXX. I have never lived in XXXX, XXXX XXXX, XXXX at all. There is a spelling of my name that is totallyincorrect XXXX XXXX, is not me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Several months back I went to Experian to get a copy of my credit report for my husband myself, using XXXX of my credit cards. Over the last 9 months Experian has been charging my card for a monthly membership fee that I was unaware of in the amount of {$43.00} a month. They automatically enrolled me and my husband in a monthly membership without my knowledge or consent. The only reason I did n't discover it until recently is because I put that card away and was trying to pay it off. When I realized the balance was going up instead of decreasing, I checked my online statements and realized what Experian had been doing. When I called to dispute it. They said that it was an automatic enrollment and I was out of luck. I had to jump through a bunch of hoops to cancel it getting my credit card company involved to assist me. They 've charged my card {$350.00} over the last nine months. I was so upset that they would do something so underhanded. I had no idea that they automatically enrolled me in a monthly membership. Saddest part is I thought they were supposed to protect the consumer not take advantage.

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 2016-08-11
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Advertising and marketing

Complaint:
My name is XXXX XXXX. I have been a loyal customer of American Express from a long time. Recently I came across with an incident. I tried hard but nobody in the organization would listen or reply in writing. 
I got a refereed E-Mail ( American Express ) to apply for a XXXX XXXX Credit Card.I have pasted the referral process and the bonus as outlined in the next paragraph. 

As a reminder, here is how the referral process works : Each friend will receive an email, with a special offer for the Card you referred. Your friend may not receive this email if they have previously " opted out '' of receiving email marketing communication from American Express. 




Your friend must apply for the Card through the link in the email and be approved in order for you to earn your Referral Bonus. 




Please allow XXXX8 weeks for your Referral Bonus to post to your account after each referred friend is approved for the Card. 




Due to the confidential nature of the credit approval process, you will not be notified whether we approve or decline any application ( s ) from individual ( s ) you refer. 




The Card you refer must be active in order for you to receive your Referral Bonus. 




If your friend is not approved for or already has the Card you referred, no bonus will be awarded. 

Welcome bonus Earn 60,000 Bonus Miles with the XXXX Credit Card and XXXX Qualification Miles XXXX after spending {$2000.00} in purchases on your new Card in your first 3 months, and a {$100.00} Statement Credit after you make a XXXX purchase on your new Card within your first 3 months. 
Special Offer Expires on XXXX I applied for the Card and got the Card. I also met all the requirements. Now American Express refused to honour their part and did not give the required bonus. I had another American Express. In the E-Mail I DID NOT FIND ANYWHERE IT SAYS THAT I CAN NOT HAVE ANOTHER AMERICAN EXPRESS CARD OR I AM NOT ELIGIBLE FOR BONUS IF I HAVE AN AMERICAN EXPRESS CARD.IF IT IS HIDDEN SOMEWHERE THAN AMERICAN EXPRESS IN NOT TRANSPARENT. 
Also the employees at the customer service are rude and unprofessional They will not investigate the issue and reply. They just say it is a XXXX issue.If it is a XXXX issue than it is clear.I hope your fine organization will investigate and implement changes if required. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
It is a known fact that Asset Acceptance dba Midland Credit Management employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown Asset Acceptance dba Midland Credit Management employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. 

To date, Asset Acceptance dba Midland Credit Management has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states. 

As of this year Asset Acceptance dba Midland Credit Management has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights. 

Asset Acceptance dba Midland Credit Management illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted Asset Acceptance dba Midland Credit Management in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and Asset Acceptance dba Midland Credit Management has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX. 

I am requesting assistance with pushing for removal of Asset Acceptance dba Midland Credit Management on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name. 

I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by Asset Acceptance dba Midland Credit Management removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding a dispute but rather AMEX 's responsibility for the charges. 
If AMEX will not either reverse the charges or absorb the charges we ask that the interest charges be held in abeyance for a period of 2 years from the final dispute resolution date ( this was last week ) as it was agreed by AMEX ( and why we obtained the XXXX cash card ) that the vendor would reverse the charges and then recharge to the simply cash card. This was to allow us time to receive payment from XXXX Collection for our XXXX XXXX so we could pay the entire balance off. Thus providing this time with no interest charges to either fully address this, obtain other resolution, or reasonable time to pay the card off for charges that should not be on our card. Is AMEX willing to do this? 
I expect answers to be provided through this system and not via separate mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The IRS made a direct deposit to my Paypal account on XX/XX/2021 for {$600.00}. The account number has been verified as correct. I spoke with one person on the XXXX that said no deposit received. I spoke with XXXX on the XXXX, he stated it has been received and he assured me my funds will be posted on the XXXX. Its been a delay due to Paypal systems. I spoke with XXXX on the XXXX, she can not explain why XXXX said itll be posted on the XXXX, and refused to give me a supervisor. She just informed me it takes 3-5 days. Today is the 5th day and nothing has posted to my account. Its really sad that PayPal, a large company like this would delay the processing of funds. Especially during a time like this. Their customer service XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been offered 0 % interest for a limited time on purchases with XXXX of my credit cards. They are telling me that the interest rate will go up on these purchases when the 0 % offer ends. I have always thought that the new interest rate would only apply on purchases GOING FORWARD from that date, but not on existing balances generated during a promotional interest rate period, and that to raise the interest rate on those purchases is illegal. You do not include talking to your US Congress representation in your list below of actions to take, but I intend to talk to my Senators ' and Rep 's offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Ceannate
State: DE
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I was contacted by FMS, Investment Corporation via mail. I responded in XX/XX/XXXX and FMS never got back to me. My letter discussed a payment arrangement suitable to my income which decreased more than XXXX ( I lost my job ). 

I received a letter from the Department of Treasury in XX/XX/XXXX indicating that my XXXX XXXX payments from XXXX will be offset in XXXX because I did not contact the creditor ( Department of Education ). 

My letter to FMS ( 3rd party collection agency ) predated correspondence from the Department of Treasury. 

Two payments in excess of {$1300.00} were sent via bank checks to XXXX XXXX XXXX and FMS between XX/XX/XXXX and XX/XX/XXXX. However, the current balance is only about {$300.00} of the original debt. 

I spoke with " XXXX XXXX '' on XX/XX/XXXX and XX/XX/XXXX for a combined total of 95 minutes. During these calls, " XXXX XXXX '' reported that my household debt was more than enough to pay over {$55.00} per month towards my debt. In addition, she was sending me documents via email. I asked if I opened the email, would it verify what was written in the documents? " XXXX XXXX '' indicated that it would even if I did not agree. Therefore, I did not open the email, as her payment could be more than I could consistently pay. " XXXX XXXX '' also wanted me to provide her with my debit card in order to make a payment over the phone. When asked if my debit card would be charged in the future, she said, " yes. '' Therefore, I did not give her my personal information. Instead, I sent a certified bank check. 

I admit to the debt. I do not accept how I am being forced into making payments that I may not be able to afford. I am still trying to get on my feet after losing my job. While I was approved for XXXX XXXX from XXXX, I am only receiving interim payments, as my application is still in the process of being solidified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is spelled incorrectly several times and there are old & incorrect addresses on my credit report that need to come off. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX, NJ 07732-XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX Incorrect SS # 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