BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have talked to American Express customer service six times and their Credit Bureau Agency three times and they still have not removed the late payment status affecting my credit score. I have been in a relationship with American Express for eight years ( longer than any boyfriend I 've had! ) I was assured by XXXX in Customer Service three times over the phone that this late payment would be removed from my account. I had set up an auto pay and there must have been a computer glitch because the payment did not go through. This is XXXX payment over eight years, people! It was quickly rectified and my account has been in excellent standing ever since. 

When the late payment status was not removed, I called customer service again, and asked them to review the phone call with XXXX because they said they would n't remove the late payment. They said they would do so and I would get a phone call from a manager within XXXX to ten days. I never got a call from a manager. I called again and informed them of this and they said lackadaisically that they would listen to the recording " when they got around to it. '' It has been over four months that I 've been trying to get this resolved. 

When I talked to XXXX, he even three way called with their Credit Bureau Agency, so we were all on the same page. Please ask American Express to review this because they told me they would and they have not done so. I expected greater customer service from a prestigious company such as American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-29
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My complaint is against Midland Funding , LLC. I question whether they really own this debt. I now have a judgment because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion XXXX XXXX still in violations seeking damages as Im entitled by law due to theirs negligence. Information is in correct I have recordings from conversations childs support is not a loan the federal courts ruled this I sent them a statement as well as police report they have not blocked information I asked I asked for validation full account documentation records who they spoke to day time rep name and id who they got information from I only go by one name they wont remove other names as in a recording I have they said removed they since my complaint have not complied with all laws and request and keep damaging my credit they are being negligent to the law and request I have made and mailed letters upload documents sent the ftc reports and police reports but yet they are not worried about fixing there wrongs I have found over 80 violations on my credit report I have been denied even wrongly charged high interest rates because of the negligence and concern to fix this I have done everything required now they dont wan na comply I will be seeking damages and making sure the law is up held if I go into a store to steal I go to jail or break the law I dont get a chanche to correct this I can see if there where only a few people affected by this but its millions and its time the law hold them accountable as Im not above the law neither are they but get many opportunities to fix laws they break and still not comply I seek damages under 15 usc 16810 civil liability for negligent non compliance section a,1. Any actual damages sustained by the consumer as a result of the failure of. B. Attorney fees if we have to settle this in court. As the law states any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years, or both I have held my end of my part up everything they asked I have a XXXX this getting me denied when Im applying in good faith especially when Im prequalified. Then other creditors advertise action notice show different score then they show I dont have any more energy I spent two months doing my part and they are not complying with law

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 2020-04-03
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year around this time, I entered a local used appliance store ( I believe the name of the store is XXXX XXXX in XXXX  XXXX, Michigan ) to look at a washer and dryer after mine had broken down, on the vice of a repairman who came out to fix it. I explained to the gut that I needed a unit soon. he assured me he could get it delivered right away. During the sale, I was offered finance through a company called XXXX XXXX that would allow me to stretch payments. I agreed. Delivery was not made. My roommate contacted the store to see what was the problem, and was told they were behind. I then received a call from the delivery guy stating he'd been hurt. I then went in to the store and got a different story, that the truck had broke down, and was told the local mechanic working on it. I drove by that shop that they said was repairing it and the store 's truck was no where on the property. I felt like I was being deceived, or at the very least being given the " run around '' decided I could not wait any longer, and would just go buy a new unit from XXXX XXXX. I went into the store to tell them I wanted to cancel the sale and they said " okay ''. I noticed went I went back into the store that the washer and dryer was still on the sales floor. On the way out I felt like I wanted to leave on a good note, and wished the owner best of luck with his business. When I got home, the credit company told me they were not going to cancel the sale. I called the store back, and the owner told me that he did not like the tone of my " wishing him good luck '', and he was not going to cancel the sale that they were going to deliver it. Basically, he was forcing me to take delivery. I told him that I would not accept delivery. 

After that, XXXX XXXX  has called me twice for payment, and both times I explained to them that I had not received any merchandise from this company, nor would I after the treatment I received. I felt it was mislead, harassed and intimidated, and that they ( XXXX ) were now harassing me as well for payment of merchandise I did not receive. 

Now, I'm received e-mails from True Accord, a debt collector, concerning this, and called them to explain what happened as well. 

Since this has gone to a debt collector now, I feel this is adversely affecting my credit, and that the store has committed fraud by billing XXXX XXXXXXXX for merchandise that I did not receive, and XXXX XXXX is in turn trying to get money from me through this debt collector. I would like any help I can get to stop this harassment that has gone on for over a year now. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Multiple inquiries have appeared on my report without my consent. Please verify in writing inquiries that I requested.

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 2015-07-16
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This debt is subject to the Hospital Fair Pricing Act and request has been made for the same. Collection efforts thus violate XXXX Health and Safety Code Section 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 2019-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They tried contacting me at XXXX XXXX  at night. I've told them to contact meat XXXX XXXX if they absolutely must contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX claims after non payment and charged me money to cover the non payment time. 
XXXX went as far as contacting Florida DMV to have my DL suspended costing me XXXX $ to get it reinstated. 
Then they sold this fraudulent debt to a collection agency who claims i owe 2 debts when in fact i had another Auto Insurance Company when i stopped payment and started new policy with infinite insurance company.. 
CaineweIne Collection agency after a dispute with one collection agency ( XXXX ) the collection was removed and Caineweine placed my fraudulent debt on the 2 remaining reporting agencies. 
I formally want to complain agains XXXX XXXX XXXX and Caineweine collection for fraud and unethical actions. 
As a result of this i have suffered increase in debt and finical hardships because of these 2 companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to reach Rushmore Loan Management Services to discuss what options are available during the pandemic. I called on XXXX2020 around XXXX PST and continue to called as they said they were open until XXXX PST. The auto message then said they were closed. We have tried contacting them through their messaging service and still no answer. I am on the phone currently XXXX2020 and have been waiting over 51mins XXXX PST. Many others on their XXXX social media have complained about not getting through as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: TRANSWORLD SYSTEMS INC
State: WI
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 number out of XXXX Wisconsin keeps calling me : XXXX saying they are a debt collection agency ... for debt they do not identify. It is a recorded message with a woman with an XXXX accent named XXXX XXXX. The toll free number they say to call them back at is : XXXX. Recorded message says they are Transworld Systems ... when in fact they are XXXX XXXX XXXX.They keep calling from different XXXX numbers out of the XXXX area ... I have XXXX numbers blocked from them now. I do n't owe anyone any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management XXXX is the most terroristic harrassment agency I have ever dealt with in XXXX years. We are XXXX and aged and have never owed anyone anything except for our mortgage which has been paid off for over 20 years. This company began calling us in XXXX XXXX regarding a debt that is n't even ours. They ask for someone named XXXX XXXX. They now change it to XXXX XXXX. We filed a complaint with the XXXX XXXX which was a joke. Even MCM reps said " go right ahead and see what happens to you, we pay them under the table. '' Their legal counsel XXXX XXXX told the XXXX that they stopped calling on XXXX/XXXX/16 which is a total lie. We had received over XXXX calls before that and have received over XXXX since then. When I confront him he swears and threatens us. XXXX of their reps even having us killed by the XXXX. The person stated " We know where you live and it is close to XXXX where the largest XXXX XXXX and possible in America are located. '' This has been reported to our local law enforcement in case they do. We continue to receive calls even after confronting XXXX XXXX as recently as Monday XXXX/XXXX/16. He gives all kinds of total excuses. We are harassed, called names such as " XXXX '' from them. They hire XXXX in XXXX who say we will never be called again. Their reps are so XXXX, XXXX of them could not even multiply XXXX. They argued it was XXXX. XXXX XXXX just laughed about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX XXXX, 2015 American Express received a refund from XXXX of {$320.00} to my account. My statement dated XXXX XXXX showed a credit of {$290.00} - ( {$320.00} less purchases I made ). I phone AMEX asking for a check on the credit. About 7 days later, I received the check, misplaced it and phoned AMEX. The agent stopped the check and said a new check would be issued. No check came. 
On XXXX XXXX, 2015 I phoned AMEX, explained the situation to a supervisor, XXXX, who said she would expedite the check. No check came. 
XXXX XXXX, 2015 XXXX, the supervisor, called to ask if I had received the check. I had not. 
XXXX XXXX, 2015 the supervisor XXXX called again asking if I received the check. I had not. 
XXXX XXXX I wrote a more detailed letter of complaint to Customer Service, American Express, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX asking for the credit. 
Today, XXXX XXXX I received my monthly statement from AMEX. There is no credit amount on this statement..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2019 I submitted an " opt-out request '' request from XXXX not to share my public information. I am challenging the validity of the legal process in which this information was shared. I am asking the Experian credit Bureau to remove this item from my credit report due to the improper process used to post this public information.

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 2016-06-01
Company: American Financial Network Inc.
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Trying to refinance our home through American Financial Network INC, XXXX # XXXX. We were told we qualified for a VA Loan, my husband is retired. We were told we had to have an VA Appraisal, which we did for {$400.00}. Then we were told that we could not get a VA Loan and that we had to get a conventional appraisal, which we did for {$600.00}. We were told that we would get that money back once we refinanced. Then we were told that we did n't qualify for a conventional loan and they could n't help us. I asked for my appraisals which took me two weeks to get and now I found out that no other bank will take the appraisals, so we are out {$1000.00} for appraisals. I want American Financial Network INC, to pay me back my {$1000.00} because they should have NEVER asked us to get appraisals until they were certain we had qualified. Please help me get back my {$1000.00}. My account/file number with American Financial Network, INC is XXXX, Loan Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2020 I received an alert from XXXX stating that my address had been changed. I check my report and validated with my current creditors non of which has requested an address change for me. I had OPT outs placed on my credit reports and freezes since XX/XX/2020 so did not understand how an inquiry was run and my address changed. Only 1 hard credit pull appeared on my report by a collection agency ( 3rd party ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, who is not a valid creditor which is why they had to do a hard pull and that was done without my authorization. Creditors perform soft pulls that are authorized. I have no collections or judgments on my credit report and at no time were they authorized to change my address. I " refroze '' my credit file again that day and had them put my address back as it has been for a few years now. I asked the credit bureaus to provide for me the name of the " creditor '' who requested the address change for me back to a property I no longer own or live in and they refused to provide that information. 

Again to day XX/XX/2020 I have received alert notifications that my address has been changed again with the same company being the only want inquiring about my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. Again I have no account with them and no collects on my credit file. But even if I did this is clearly abuse of the system to lower my credit score and the law is clear " A person submitting a false change of address form may be imprisoned for up to 5 years plus subject to a {>= $1,000,000} fine ''. I again began to write and call the credit bureaus demanding to know who submitted a change of address for me and was told by " XXXX '' at TransUnion that they don't track or keep who makes this type of request. '' I find it difficult to believe as this would leave consumers open to fraud, identity theft, etc. I am asking that the credit bureaus provide the name of the agency who has changed my address 2 times in the last thirty days so that I can take appropriate action. 

I would also like this complaint to include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Attorney XXXX XXXX XXXX ( XXXX ) XXXX, and I need to know who gave them expressed permission to perform a hard pull of my credit report.

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 2016-06-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was on XXXX attemting to make a purchase of a pair of shoes when I noticed that there was a link from AMEX on XXXX stating that if I qualified and purchased the shoes from AMEX that I would receive a XXXX credit towards the purchase. After I applied for the AMEX XXXX and was qualified I was brought back to XXXX to complete my purchase. The transaction went through. The next day I was notified that the transaction was declined by XXXX as Amex would not allow the the transaction to go through. I then called XXXX and spoke with XXXX who verified my name address and the last XXXX digits of the instant card number I received. she then assured me that my transaction would go through. 
The next day I was sent an email from XXXX stating that the transaction has been declined by Amex and that I should call them. I called AMEX and asked why I was declined and they said because the XXXX transaction does not meet with their terms and conditions on an instant account. 
Why would AMEX and XXXX advertise on their website an incentive to get the AMEX when they wont even honor a transaction from them? Why was I brought back to XXXX after I qualified for an instant account to complete my purchase if it was ineligible? I would not have applied for a card that would do nothing for me with reference to the transaction. This is a clear XXXX violation. When speaking with AMEX I had referenced XXXX several times and all they could do was apologize. This is wrong and consumers should not sign up for this card if AMEX can not honor the transaction on the Website it was advertized on.

Company response to consumer: Closed with monetary relief