BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: SC
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2015-04-08
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX billed me for a debt I did n't owe, for a service I did n't received, so I let them to into my account and take {$96.00}. So I then canceled their contract because I do n't want to deal with them anymore. 
But Transworld Systems is still billing me for {$96.00}, and I refuse to pay them XXXX for nothing. I want Transworld to stop billing me, and I want them to clear up the damage they did and are doing to my credit report. Therefore, I need your help. I have copies of this paid non-service. This racket has gone on long enough. Please stop them/. Please punish XXXX of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have been traveling out of town for the last two weeks for work and returned home last Friday to find a POSTCARD in my mail that had been collected for me by my neighbor with information about a class action lawsuit for Midland Credit Management. I was absolutely mortified! I do n't even owe Midland any money ( debt was paid last year ) and they do this? This is absolutely horrible.How embarrassing that my neighbor saw this! 

I know that the FDCPA prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 1692f. Further, Section 1692f ( 8 ) specifically limits the language that debt collectors may place on envelopes sent to consumers : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This postcard I received identified me as part of a class action settlement against a debt collection agency. Specifically MIDLAND CREDIT MANAGEMENT! How did this happen? 

I can not even tell you how much this has distressed me being publicly humiliated like this. I am certain this will probably lead to ANOTHER lawsuit if it has n't already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
So I called in to get my XXXX taken care of. This account ends in XXXX. I had lost the XXXX card somewhere in my house and for some reason that account was restricted. Granted for no reason. I still do not understand how you can restrict one account and not all three of the accounts that I have with you. Anyways, as I am calling to get this account taken care of and reactivated with a new card sent out to my house the Customer Service rep canceled the wrong card. The account that was canceled was the platinum card account ending in XXXX. 
I am currently traveling and am a couple of states away from my home in Arkansas. And I have been lied to severaltimes by severalpeople and departments in regards to this matter and its resolution. A card was supposed to be overnight to me at my location in Colorado. And when I called in today I had found that the card had not even been shipped out yet. So I am stuck in this state more days than I had anticipated because I was using the card that got cancelled. This whole situation has been filled with people lying to me and transferring me to other individuals so they can lie to me and set false expectations. I am ready to Cancel every single account I have with Capital One because of the trouble this has caused. It was not just a minor conveniencebecause I was using the platinumcard to travel on. It has put me in an extremely hard position because I was relying on the money. So I would like to talk to someone about who is going to actually be held accountable for this mix up. If not then I am going to cancel all of my accounts including the Auto Loan and get a Jag Lawyer to take this to court because of the trouble it has caused. I usually don't complain and you guys have been extremely good to me so far but this situation in itself can not be overlooked and I am tired of talking and being transferred to different managers just to be told that they can't do anything and get lied to again. Everyone of your conversations is supposed to be recorded so I want the recording to be brought up and I want individuals to be held accountable for their half truths and falsehoodsand false expectationsthat were set. 
You guys have put me into an extremely hard situation due to a Customer service representative'smistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXXXXXX XXXX, XXXXConsumer Financial Protection BureauRe : MIDLAND FUNDING LLCDear : INVESTIGATORThis letter is to complaint about a problem I am having with the collection company MIDLAND FUNDING LLC that I been trying to repair since XX/XX/XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit. I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their collection letters and other relevant documents with Balance Discrepancy 's. Unfortunately, the problem remains unresolved. I am hereby requesting that you : please help me with this company to repair the item and clean my credit reportThank you for your anticipated assistance in resolving my problem. 
Please contact me at my E-mail : XXXXXXXXXXXX if you have any questions. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-12
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
I would like to document a complaint against the American Express Serve XXXX. On XXXX XXXX, 2015, I used the new bill pay service to pay my car note via their website at americanexpressserve.com. I then contacted the Customer Service just prior to completed the bill pay. After I clicked the submit the Representative XXXX ( name unknown ) then told me the payment would not be mailed out as a check. 
The reason this is an issue for me is I was previously told by Representative XXXX ( name unknown ) the payments sent through the American Express Serve bill pay process would be sent out as a check. 
My lien holder for my automobile does not accept American Express. However, my lien holder does accept checks. I need to have this processed in a way which will be received by my lien holder, or I need to know what happens to my money. I have the receipt which I can send to whomever needs it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a chase sapphire reserve credit card since XX/XX/2020 with annual membership fee of {$550.00}. In XX/XX/2020 chase put out a press released that any one getting a fees charged between XX/XX/XXXX to XX/XX/2020 will get {$100.00} fee refund as members are not able to use travel benefits due to covid. I got fee charged on XXXX but havent got {$100.00} refund. I spoke to customer service and supervisor and they both refused to issue the credit because as per them Im not impacted by covid and voluntary signed up for sapphire this year. But in XXXX when I signed up there was no pandemic situation so I believe its unfair to not refund {$100.00} as Im also not able to use benefits of reserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We just received our monthly statement dated XXXX XXXX, XXXX. It has been 61 days since we received our monthly statement which was dated on XXXX XXXX, XXXX. Our prior billing monthly statements were 15 days apart As a debt collector Ocwen Loan Servicing is not able to collect a debt until substantiation is provided. Failure to provide the information in 60 days is violation and requires enforcement. In leiu of the debt, Ocwen Loan Servicing needs to issue a cancellation. 

No one at Ocwen is willing to speak with us about our account and XXXX XXXX XXXX who is assigned to my account as noted on the XXXX XXXX, XXXX statement has not returned our repeated request for an explanation of the securitization, billing and revised escrow analysis of the account since XXXX XXXX, XXXX The Trustee XXXX XXXX ) that holds the loans is demanding the Mortgage Payment and Financial Records of the account. I 'm attaching a letter from the Trustee that holds this loan. Everyone is demanding answers. 
This loan has a balloon payment due in XXXX which is direct violation of the the CFPB consent Order

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Trident Asset Management, L.L.C.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am supposed to be made aware of any adverse information before being a post on my credit report. I never received information about these accounts. I never received copies of the charges/bills prior reporting the information to the credit bureau. You are collecting accounts that were not authorized. I would like to know how you guys obtained my social security information. This is a very grave violation of my rights. 
My rights as a consumer are being violated causing me to get a low credit score, affecting my chances for financial opportunities. No account number or history was attached or given ; they have my social security information, the source of these accounts is fraudulent, they tried to take money from my bank account for a membership I did n't authorize My credit score went from average to very poor. 
These accounts were reported to my credit report on XXXX, XXXX, out of no where. 


1 ) Account Number : Not provided TRIDENT ASSET MANAGEMENT XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$56.00} 2 ) Account Number : Not provided TRIDENT ASSET MANAGEMENT XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$40.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03
Company: Experian Information Solutions Inc.
State: GA
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:
In or about XX/XX/2020, I disputed XXXX XXXX XXXX  XXXX ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on 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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
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: Account information incorrect

Complaint:
On XX/XX/2022 Experian Credit Bureau decreased my credit score from XXXX down to XXXX for NO REASON! As of XX/XX/2022 my score was XXXX then Experian produced another report on XX/XX/2022 on which they dropped my score XXXX points down to XXXX. There is absolutely NO DIFFERENCE between the 2 reports EXCEPT the score. I have not applied for ANY new credit, nor have I made any new late payments. When I called and spoke to an Experian agent, she lied and told me that Experian has no control over consumer credit scores- that they just report what consumers ' creditors report to them. Utter nonsense! She also told me that I should " Consult a financial professional in regards to why my score decreased ''. Unbelieveable! I have attached copies of both XXXX credit reports as proof that Experian is illegally decreasing consumers ' credit scores in order to make higher profits from selling our information to lenders.

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 2016-02-26
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our loan was sold from XXXX home finance to Fay Servicing in the middle of our modification process XXXX 2016. We were told in writing by XXXX fay servicing continue the modification process. They did not. They almost immediately foreclosed and sent no notice of foreclosure sale as required by law. They were notified nobservice of foreclosure sale had been given. 
But they continued with the sale on XXXX/XXXX/16. Under the national mortgage settlement agreement a mortgage transfered or sold to a new servicer/lender from XXXX of the Big XXXX banks must still be considered for a modification if the process has already been started. 
Fay Servicing has violated this and Tennessee state law for no notice of foreclosure. 
We need help keeping our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: NY
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  {$14000.00} also Account XXXX XXXX {$18000.00} also Account XXXX XXXX  {$16000.00}, 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 2015-10-20
Company: Empowerment Ventures, LLC
State: MD
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I am a Rush card customer and on XXXX XXXX, 2015 My rush card was wiped clean of {$3000.00} since then I have contacted rush card representatives and XXXX XXXX and they can not tell me where my money has went, or when am going to get it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX, a consumer and natural person, was denied credit by American Express when I applied for a Credit increase of {$90000.00} on Account Ending : XXXX and received an email stating my credit limit has been reduced to {$7800.00}. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

American Express is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was XXXX  against by American Express due to the response I received. American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued and was reduced. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 

If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX / [ XXXX/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: JOHN GIBSON AUTO SALES, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation