BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have not received ANY communication in writing from this company and have NO idea what they continue to call me for. They call my home ( fax line ) repeatedly at all hours of the day and evening, and I sent them a letter in writing yesterday asking them to not call again ( the form letter for fair debt collections act ), and they have called twice since that was delivered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I checked my credit score on XXXX and it says that for my American Express credit card I have missed 12 payments, witch I 've never missed one. The card it 's closed already because on XXXX XXXX I made my last payment.. 
I had a balance of almost {$5000.00} in XXXX XXXX, could n't pay it off like they asked me to, so I call American Express and made a payment plan with them for 12 months of {$380.00} a month. I never missed a payment for this card and it shows on my credit repost that I missed all the 12 months payments.. I can prove that I never missed a payment because they discount automatically from my bank account every month. I open a dispute on XXXX to verify that, but nothing happen.. My credit still bad because of that..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
All XXXX credit bureaus are reporting a bankruptcy tax lien on my credit file XXXX are showing on Equifax for XXXX different amounts under a bankruptcy that I attempted to filed in XX/XX/XXXX. I was not allowed to go under the protection due to owing back taxes. II have been working with the IRS to resolve my tax issues I want this removed from my credit report Due to never filing bankruptcy listed below are the account information for each bureaus Equifaz XXXX {$20000.00} XXXX - XXXX XXXX {$20000.00} XXXX XXXX Filing date XX/XX/XXXX in XXXX County Superior Court amount is {$16000.00} XXXX XXXX County Superior Court the court system which is report incorrect information is XXXX County Superior Court XXXX , GA XXXX phone number XXXX XXXX County Superior Court XXXX , GA XXXX XXXX I will be contacting both of the counties to get any Documents that they have to prove my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: SECURITY FINANCE CORP
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/18 My payment was due Saturday, XX/XX/XXXX. I was unable to make my payment that day due to out of town camping. Sunday and Monday ( XXXX XXXX Holiday ) business was closed. A close friend of mine received a phone call XX/XX/18 from XXXX XXXX/Security Finace, stating I was behind on my loan giving out my information and details about my loan, technically after being only 1 day late! This is not the first time they have given out my loan information to a person over the phone. When I called, the lady was very rude and started making threats over a payment that was 1 business day late!

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 2017-01-12
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
On XX/XX/XXXX, I purchased a 7-day fare-lock service for a XXXX flight with my Discover card. The automatic purchase was not selected at the time of the purchase. Prior to fare lock expiration, I purchased the ticket using the XXXX credit service. After the purchase I received notification from XXXX regarding the recent purchase from XXXX. I chose XXXX due to the promotional offer of 0 % APR for 6 months for purchases over {$99.00}. I noticed the charge on my Discover card several days after the initial purchase. My XXXX credit account is not linked to my Discover credit card. I contacted Discover, XXXX and XXXX XXXX about the use of the incorrect card, initiated by XXXX XXXX, for the purchase of the flight ticket. XXXX stated the charge was pending due to XXXX not taking the necessary steps to confirm the payment. I gave XXXX all relevant information I gathered from XXXX including transaction ID information and was assured by XXXX that an investigation would take place and a resolution would be found. I called XXXX XXXX additional times and was told an investigation was underway. During this time I am also disputing the charge on my Discover account because I did not initiate the flight purchase transaction using my Discover card. I cancelled the flight due to the impending investigation. I am continuing to dispute the transaction on my Discover card because I did not initiate the transaction on my Discover card and XXXX has also supplied information verifying this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I paid the balances of {$3400.00} to the Amex card company all the supporting documents are attached, and after a some time the amex randomly charged my account with {$25.00} interest and {$25.00} as late fee even though the balances were XXXX after I paid in full, There were no formal intimation via email, postal mail, or phone regarding the balances, its the system error on amex, part, hence I requested for waive off/ XXXX the balance in full faith, I am sure consumer finance will take necessary steps to help the consumer,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21
Company: ENCORE CAPITAL GROUP INC.
State: NC
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 wrote MCM asking for them to send me the required documentation to legally validate this debt on XXXX XXXX, 2016. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: NC
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 another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; 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 2015-06-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I  sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

THIS IS NOT MY DEBT!

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Hello there, In XX/XX/XXXX I used my American Express card to purchase XXXX dollars worth of American Express gift cards from American Express. I have never received them. I have contacted AMEX to cancel the order, resend the order, or dispute the change ( I have tried all three routes ) and long story short they keep sending me a form letter response encouraging me to speak to the merchant directly. Unfortunately for me, the merchant in this case happens to be American Express. I have my emailed receipt from American Express, signed by American Express Customer Care, which all clearly indicate American Express is the merchant in question. When I call the American Express XXXX number and speak with someone they understand the issue and tell me they will resolve it quickly, but then I keep getting the same form-letter response via email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17
Company: First Federal Credit Control, Inc.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
FIRST FED CREDIT CONTROL XXXX, OH XXXX XXXX IS SHOWING UP ON MY CREDIT REPORT AS A COLLECTION ACCOUNT AND ME OWING {$29.00}. THIS ACCOUNT WAS PLACED IN BANKRUPTCY XXXX Case Number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: DISCOVER BANK
State: UT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I returned from XXXX in XX/XX/XXXX, and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a XXXX from XX/XX/XXXX until XX/XX/XXXX, and then returned in XX/XX/XXXX through XX/XX/XXXX to XXXX. According the credit reports I have managed to obtain, all accounts were opened and used while I was in XXXX. 
I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts - XXXX have been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from Discover that they had no record of the account and then refused to continue any investigation ; additional letters to Discover, which included copies of credit reports indicating the fraudulent account, have only resulted in their sending me a package with all statements from the fraudulent account. I have attempted to contact Discover over the phone, but they will not address the issue because I can not verify any information on the account. I have also sent Discover and the credit bureaus the missionary service letter indicating the dates of service and a service completion certificate, indicating that I was in XXXX when the accounts were opened and used. The disputes came back from each CRA with no changes. 
Becoming XXXX as an adult and not able to use XXXX services ( or XXXX ), it is very difficult to communicate with the credit card companies myself. I send everything through letters or fax. 
There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts. A credit counselor informed me that it is more effective to only dispute one or two items per letter, and to focus on the greatest errors first. The current letters are only addressing my name, current address, and remaining credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: United Student Aid (USA) Funds
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had an old student loan through XXXX from about twelve years ago. The account was in collection, but hit the statute of limitations and was removed. It is now back in collections through USA Funds and the original start date is incorrect. They have refused on multiple occasions to provide any information or proof of debt. They are now on their fourth third party collection agency from which I have sued and won for unfair collection practices. Can anything be done to have this account removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: ESCALLATE, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX of New York charged me for a service that was utterly fraudulent. They claimed to have to have done a XXXX, when in fact they did virtually nothing. The description of the procedure was absolutely false. Clearly they were trying to justify a large charge to my insurance company.

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 2015-08-11
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I received a document delivered by the Sheriff of the county I live in. I was not home and the document was attached to the front door of my residence. I immediately called the Sheriff once I got home and read the document. The document said I owed a debt and listed the dollar amount of the debt on the document. The sheriff and other unknown persons were able to see my personal financial information. The debt collection agency threatened to take my vehicle as payment if I did not call them immediately and set up a payment plan. The sheriff also called the debt collection agency and he was told too that they would take my vehicle as payment if I did not call and set up a payment plan. I began to have a XXXX XXXX and contacted my M.D. I was prescribed XXXX to control my XXXX and prevent me from XXXX. I began to suffer from XXXX the same night as the document was left on my front door ; I returned to my M.D. suffering from XXXX and prescribed XXXX. After I got myself healthy adn back on track I was able to stop taking the XXXX but I still suffer from anxiety as I look over my shoulder feeling as though someone is going to take my vehicle as I go into XXXX to pick up a few groceries. It 's an awful feeling and as I am unemployed but actively looking for employment ; a payment plan is impossible as I am living off of my savings after moving into my mother 's home unable to pay rent or live independently due to unemployment and lack of money. My vehicle is paid off but the debt collection agency said they put a hold on the VIN so I could not transer the title into another name ; the hold on the VIN makes it impossible to sell the vehicle and buy a cheaper vehicle in order to make a lttle profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
One of my lenders, Navient, offers an additional Interest Rate Reduction Benefit on their loans that they claim I 'm not qualified for. They claim there are XXXX requirements to qualify for this particular interest rate reduction benefit : 1. Make 48 on-time payments. 
2. Create an online account before a grace period ends. 
3. Be set up for e-mail correspondence. 
When I initially called their customer service line to ask about this interest rate reduction benefit, I was told I was n't eligible for it because I was not set up for e-mail correspondence. The representative I spoke with agreed to follow up with me after doing some more research. 
I received a letter date XX/XX/XXXX that now says I am ineligible for this interest rate reduction benefit because Navient 's records indicate my payment for XX/XX/XXXX was not on time and I was disqualified, which is strange, since my payments did n't start until XX/XX/XXXX. I 've attached the export from Navient 's website of the disbursement and payment history over the life of my loan, as well as a photo of the letter Navient sent. 
Ultimately, I would like this interest rate reduction benefit applied and backdated to the life of the loan, as well as all my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: PA
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:
I am XXXX that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment. 

Account : XXXX XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Also why is there a payment history reflecting on a closed account. Last payment for this account was made on XX/XX/XXXX, so how it is possible your company have payments showing for years XXXX, XXXX and XXXX? 

In this complaint accompanies a copy of the " illegal late payment- history '' for years XXXX, XXXX & XXXX reporting on my credit profile for an account that is closed and have been since XX/XX/XXXX. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am an American Express client since XXXX. I have the Gold XXXX card and the preferred credit cards. During XXXX XXXX, XXXX they sent me an extended payment option for my gold card ( Given the Gold XXXX card it is a charge card, the remaining balance has to be paid at month end with the statement ). The offer also included the XXXX code for my personal offer details. Considering that I am a frequent traveler, I decided to enroll in the promotion, but apparently I could n't do it online. A customer representative told me that I could do it later, so I took her advice and pay my travel spending 's with the Gold Card. 
Week After I kept trying to enroll to register the offer since I was not able to pay the full statement balance at month end. During XXXX XXXX, XXXX I receive an email that apparently the offer was sent by error and I could not benefit from the promotion. Also they were constantly insisting to pay the whole amount even though I tried explain the situation. 
During XXXX XXXX, I contacted XXXX XXXX XXXX ( supervisor ) in efforts to solve the situation. She apologizes for the situation and promised that she will get back to me in 48 hours max, with a solution to this unfortunate misunderstanding. 
At today 's date, ( 6 days later ) I still have n't answer from her or related peers or manager regard the situation. I called this morning and no one is able to locate her or willing to assist me. 
I am very disappointed with this situation and I do n't want to affect me emotional nor economical. 
Please help me remediate this before it keeps affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Law Offices of Gary H. Kreppel P.C.
State: MA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX I defaulted on my student loan. I went to court with the company that was seeking repayment and told them that I was willing to work out a deal to repay my loan. The company decided not to pursue the debt at they missed court dates. The case was dismissed in court. 

During about the same time but before the original case was dismissed another company came and filled suit at the same court house for the same debt. I had no idea that this company filed a civil complaint. The paper work i received I believed to be from the original company. I was being sued at the same court house for the same debt at the same time.This all happened in XXXX. 

Finally when I realized this it was XXXX. I filed a motion to dismiss the case which the judge granted but also said that this case would start from square XXXX. 

I do not believe this second company owns the debt and I should be protected from this type of practice debt collection practice. I have not been able to find an attorney to take the case and have been looking for months. 

I can email more details about my complaint including documents for you to better understand.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
My Serve prepaid debit card account was closed. In this account I had funds confiscated without cause. Nor was I able to get any honest and forthcoming answer as to why my account was closed or when the funds would be returned to me. I have asked on numerous occasions for copies of or access to my billing statement. To this day I have not received anything.

Company response to consumer: Closed with non-monetary relief