BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
AMEX sent me an offer for a 6.99 % reduced rate on my credit card purchases from XXXX/XXXX/16 to XXXX 2016. I signed up and accepted this but to date, AMEX has not applied this lower rate. I even received an email confirmation but still not receiving this rate. I called and spoke to a rep who did not have a good command of XXXX and she told me I am getting the rate but could not provide and evidence of me receiving this rate. I told her that she was wrong and she told me to write to AMEX. Attached is a copy of my fax correspondence and delivery confirmation Sent : XXXX @ XXXX EST and still not even a response. At this stage, I am due a refund by my calculations of over {$300.00} to date and this will only increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX, I sent Seterus, the servicer of my loan, a request to complete a new Escrow Analysis and spread the shortage over 60 months. I sent a follow up XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have had no response. 
Seterus approved a loan modification XXXX/XXXX/XXXX, but did not perform an escrow analysis prior to the modification, which ended up increasing my payment by {$190.00} per month. It should have been performed prior to the modification. And, a forbearance was approved from XXXX. The Seterus representative advised me in XXXX XXXX that the only thing I would be paying during the forbearance period would be taxes and insurance, then then ended up applying all monies to loan principal and interest. This is the reason for the large shortage. 
This servicer is extremely difficulty to work with. 
I previously filed complaints with you for XXXX reasons : they declined a loan modification 7 times in 4 years, citing that I did not provide all requested documents, which I had fax proof that I had provided, and a second time, in order to have the loan modification paperwork completed, as they took over 7 months to confirm and provide documents. Both times, they stepped up, only with your intervention. I am quite frustrated. 
I believe that I own XXXX of the few properties they could actually make money on if they foreclosed, and either the left hand does n't know what the right hand is doing, or it is with intent, so that they CAN foreclose and make $ XXXX-XXXX. 
They have continually misapplied, suspended payments, and then cited the original note, the forbearance or the modification, wherever it please them and they make the most money. They have also charged late fees and 'inspection fees to be sure I am living in the property ' since XXXX XXXX, XXXX due to misapplication of payments I made, even though the payments were the exact payment they requested for each specific date.I was not even aware of the misapplication of payments or the fees until XXXX XXXX, and they refused me access to the website and stopped sending statements to me due to Chapter XXXX filing in XXXX XXXX. Misapplication of funds also effects principal reduction clauses over the first 5 years of the modification term, and hurts my already damaged credit further. I truly believe this is all with intent, and need an advocate to renegotiate all of this with them, especially reapplication of payments made. 
Please help me negotiate these issues. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have a problem. Recently back in XX/XX/XXXX I tried to open a local bank account with XXXX XXXX. I was denied So I questioned what was on my report that caused this. I notice many accounts in which some I recognize and some which i do not recall, not that they could n't be mine I just have no record of it and do not recall having said account. This is an account i do not recall but have tried to settle it with the third party reporting it on my credit and the original creditor. I have recently mailed multiple letters to the Third party Company LVNV FUNDING LLC at mailing address XXXX XXXX XXXX XXXX, SC XXXX. My first letter was on XX/XX/XXXX where I requested the amount owing for this account in exchange for the exchange of the original instrument of indebtedness in its original form. I wrote LVNV Funding again on XX/XX/XXXX because I had received a response from the original creditor. But in my letter dated XX/XX/XXXX to LVNV I offered again to settle the account immediately upon receiving a copy of the original instrument of indebtedness in its original form. I still had received no response.I wrote another letter to LVNV Funding on XX/XX/XXXX since I had not received a response to my initial letter. I again offered to pay this account upon receiving the original instrument of indebtedness. I still received no response to date. But this alleged account continues to be reported on my credit in a collection status which has made me not being able to qualify for a pre-approved Va home loan. I have also contacted the original company via USPS mail on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, in which each letter I offered to settle this account immediately but on each response from the original creditor ( XXXX XXXX XXXX ) which i received on the following dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. In the letters received XXXX XXXX either referred me to LVNV Funding LLC or told me they do not need to provide any information pertaining to this  account and again referenced me to the third party company. I have also sent all communication to the 3 credit bureaus in order for them to obtain facts from these companies ln which all have returned their investigation as this alleged account being correct and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Good day.. 
Im so mad.. tried to cancel any dispute especially w Midfunding Acct w XXXX. The bill was close to {$1500.00} Please cancel any dispute at this time so the company can update their files.. 

Lastly. Please only have my name as XXXX XXXX XXXX Tele # XXXX I need the creditors stop pulling my credit.. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
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:
I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/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 2016-07-20
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
they refused to answer questions and then hung up on me at exactly XXXX. They were very rude and wouldnt explain their poloicies.

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 2022-04-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction

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 2022-04-20
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-04-20
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:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

*15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I 'm a victim of identity theft and recently called Equifax 's customer service and requested an identity block of negative information on my credit report that was due to identity theft. I requested a supervisor and she told me that " We do n't do that at Equifax, we do n't block information and only the creditor can request that ''. I know this is not true so I am registering a complaint for failure to block information that has been asserted to have resulted from potential identity theft, and for which I have filed a police report and thus complied with the provisions of section 605B. 

I relented and told her that this was a violation but she said the only thing they could do was dispute the items and do an investigation. But I 've disputed around a dozen times and there has been no progress or REAL investigation done. This is the reason I filed the police report in the first place. I have done everything required to fulfill my obligation to request this block, and their refusal is in clear, and willful violation of FCRA 605B. 

To verify what I am saying, I am enclosing a copy of my Identity Theft affadavit filed with the FTC, a copy of the police report, and proof of my identity that I have already sent Equifax. Any support from you would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Seterus, Inc.
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in the get hope state program on my mortgage. I received paper work from my lender stating they were going to put me in foreclosure after being behind for two months. also received paper work from my insurance company on my mortgage saying i need to prove i am living in the residents or they will cancel my insurance due to the mortgage company putting me in default. So they offered me a forberance program which I was told they could n't do receiving state funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
lost my daughters social security number along with mine on XXXX XXXX 2016. filed a police report. they have been replaced, but i would like to get a copy of her credit report just to make sure no one has used it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/22 DSNB BLOOM XXXX XXXX XXXX XXXX XXXX. We have disputed this account. 


Thanks!

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 2022-04-20
Company: LEXISNEXIS
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have XXXX items on my Equifax credit report they will not remove, I have disputed all XXXX by calling and sending them a letter. They still refuse to remove these items from my credit report. They have only posted comments, ( Consumer disputes this account information ), but when I apply for credit I am denied because of these items on my credit report. 

The XXXX item I did file a bankruptcy back in 2006. The law says after 7 years of the date of filing a chapter XXXX bankruptcy it is to be remove from a credit report. As you see Equipfax still has this bankruptcy on my credit report 9 years later. 
Filing for personal bankruptcy is that, under the Fair Credit Reporting Act, a record of this stays on the individual 's credit report for up to 7 years for Chapter XXXX ( up to 10 years for Chapter XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never applied for credit ever and someone elses debt is showing on my reports also I recently applied for a XXXX XXXX credit card and was denied stating I filed bankruptcy which I never filed in my life. 
Im a victim of identity theft and filed a report with the ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Dear Sir/Madam, I have placed a security freeze on my credit report with all XXXX credit agencies. Now I need to buy a house so I asked for a temporary unfreeze the other XXXX credit agencies agreed however Equifax did not. I am unable to unfreeze my account. When I try to unfreeze either online or on the phone Equifax says that my address is not correct. I have tried all the address that I have lived in USA. I then obtained my credit report from Equifax and then tried to unfreeze using the address that Equifax has on their very own credit report. And yet I am unable to unfreeze my account. I then mailed them all my details including the pin I was provided when I freezed my credit account along with a check and credit card number tocover any fees. Yet they have not unfreezed my account. I am unable to buy a house because of very poor consumer treatment by Equifax. There is absolutely no way to unfreeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft. I discovered this when I just recently checked my credit report and it is affecting me from applying to banks because of my credit score being lowered drastically. Please look into this right away. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The list of accounts below has violated my federally protected consumer rights to Privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

*15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX XXXX act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

*15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The Investor through their servicing agent Selene Finance is engaging Predatory collection Practice though Mortgage Service Abuse Bad Faith and Unfair Business Practices, behavior tactics and attempt at Equity Thief. 

Selene Finance purposely delated the Short Sale process in order to increase their profits by increased fees all the while with no intension of ever approving the Short Sale thereby causing unnecessary stress and severe mental anguish. 

The Homeowner or their agent has been is continued communication with Selene since XXXX of 2016. Selene representatives have consistory delayed, denied and deflected by changing representative several time, not returning phone calls, repeatedly asking for the same documents and the file not being reassigned while the representative was on a prolonged absents or vacations.

Company response to consumer: Closed with explanation