BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-22
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
From XX/XX/XXXX - XX/XX/XXXX, I attended graduate school at XXXX Washington University. I took out federal and private student loans to pay for school and housing needs. The total amount of private loan debt that I had taken out during that time was {$26000.00} with XXXX. After school, I had difficulty making payments since the interest rate was variable ( although I was almost certain that I agreed to a fixed rate only ). To make the payments smaller, I had consolidated the private loan with a fixed rate of 10.50 %. The loan was eventually transferred over to Discover Student Loans and I am currently in good standing with them. The current loan balance is {$33000.00}, in which I have paid {$18000.00} in principal and interest to date. I have tried to refinance my loan with several institutions, but I am continually denied. The reason that is given to me is that I do n't make enough money. I just had my XXXX child, and making these payments is extremely difficult. I would like to see the light at the end of the tunnel. I do not want to go into default, but I feel that I will be paying these loans forever unless I can get them refinanced to a reasonable rate. I do n't know what to do. I have sought the advice of an attorney and an accountant - both who feel that I do n't have any options except do very detrimental things to my credit and ultimately not be able work out a better deal for myself. I am desperately seeking advice on this! PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Professional Placement Services, LLC
State: MN
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:
My credit score was recently reduced from a creditor claiming that I owe money regarding a traffic citation. I had made disputes on my report regarding several alleged citations issued by the state of Wisconsin and was removed from my credit report. XXXX months later, a new collection agency appeared to have maid another claim. At no point had I ever made a promise to pay to the state of Wisconsin either through verbal or contractual agreements. 

I would also like to add, throughout the last XXXX years these creditors have continuously reported to the credit bureau 's for citations that have been paid. When asked why it had even reached a collection agency being the citations were paid on-time, the response was " because you did n't pay a {$5.00} fee along with the citation. '' This includes XXXX 

This has been going on with the state of Wisconsin for MANY years now. I ca n't help but feel that I have been treated unfairly by the state as well as their creditors. These traffic citations has not only hurt my driving record, my credit report as well as my occupations. At what point is this punishment enough? These citations have dramatically impacted the quality of my life ... .. A TRAFFIC CITATION. 

My credit score dropped XXXX points from this most recent attack. I really had high hopes in creating a better financial profile for myself being I 'm going into accounting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been receiving multiple calls from unknown numbers claiming that they can lower the interest rate on my credit card to XXXX. When I picked up, they said their name and company name so fast, I could barely hear it and proceeded to ask me questions about the last XXXX digits on my social, how much money I owe on the card, my credit limit, my name, and the last XXXX numbers on my credit card. After I gave her all the information, she immediately hung up. The phone number was XXXX and they were calling from XXXX Fl. When I try to call back, it immediately hangs up. That 's when I realized this might be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Client Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Client Services , Inc. has aggressively continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
ON XX/XX/2016 I WENT OUT CAR SHOPPING TO PURCHASE A CAR. I WENT TO XXXX XXXX IN XXXX VIRGINIA TO LOOK AT A CAR. DURING MY APPLICATION I SUMMIT I GOT TURN DOWN FOR MY APPLICATION. ON MY CREDIT REPORT XXXX DENIED MY APPLICATION. I AM NOT DISPUTING THAT. BUT I ONLY SUMIT ONE APPLICATION AND IT SHOWS TWICE ON THE SAME DATE AS XX/XX/2016 AT THE SAME DEALERSHIP. I HAVE DISPUTE THAT SEVERAL TIMES AND STILL NO CHANGE, IT SHOULD ONLY SHOW ONCE ON MY CREDIT REPORT AS A HARD INQUIRY NOT TWICE. I AM DISPUTING THAT AND I WANT THAT ONE REMOVED. I AM NOT DISPUTING THAT I SUMMIT APPLICATION I AM ONLY DISPUTING THE SECOND ONE. I WENT TO DEALERSHIP TO INQUIRY ABOUT THAT BUT THEY STATE THEY CANT DO NOTHING ABOUT IT. I CALLED XXXX AND I GET THE ROUND AROUND

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I had no clue there was anything being reported on my Credit Report until I tried to apply for a apartment. I have never had credit or tried to apply for anything until now and Oh my gosh! Equifax Information Services has been reporting negative inaccurate information in my credit file. I thought upon doing further research that I could reach out to them and get these things removed. Well that is not the case at all. I 've been disputing with this company for over 6 months to get this information removed and they refuse. I have asked them to remove any name that I have not provided due to false information reported on my credit report. I have also asked them to remove inquiries that are not mine permanently. They stated that the information was verified and it belongs to me which I do n't understand because if they have verification then why have n't they sent me copies of it? I have ask for a investigation and documentation in a timely manner. I have called, emailed, mailed and faxed. And still being ignored with no verification or documentation. Under the Fair Credit Reporting Act, If the consumer disputes anything and it ca n't be verified within 30 days, Then it must be removed. I did not authorize anyone employed by these companies to view my credit reports. The letters they have sent to me claim to have 'verified ' this information '', but this is in fact not true under law. It has been past 45 days and nothing. Now I will be suing Equifax as well as anyone on my credit report with false inquiries for causing me damages such as denial of credit, denial of renting and increased insurance premiums.I should not have to be inspector gadget to try to track people down and figure out where these false thing on my credit report came from.I can not even buy a house right now if I wanted to. I have provided more than sufficient evidence to get these false inquires and names and addresses removed. Such as a copy of my State Issued Id and Social Security Card in addition to a Utility bill in my name verifying my address. I have filed this complaint with hopes of Equifax actually being an company with integrity and reporting accurately. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and Companies on my credit report for violation of the Fair Credit Reporting Act and Defamation. This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. It is not ok to blow people off and effect there lives in a negative way this is my personal information and if they have access to it. Then it should be reported accurately. Not cool.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I signed up for a card that advertised 0 % interest on purchases for 15 months. I accidentally selected the wrong radio button and paid the full amount due instead of the minimum payment. I called up AMEX and explained the situation -- they offered to refund my payment and assured me that the balance would remain at 0 % for the remainder of the 15 month period. When my statement closed and I saw XXXX of dollars of interest charges, I called them up to ask them what happened -- after much investigation, the agent explained that the balance on the card had n't been placed back at 0 %, but that he was submitting a ticket to fix the issue. He also refunded my interest charges and told me that he was extensively notating my account with the resolution. Assured that the problem had been fixed, I did n't worry about it again until I saw the next month 's statement with even more interest charges. I called up AMEX again and this time, despite having XXXX previous agents telling me the balance should be at 0 %, they told me that there was nothing they could do about the issue and that I would either have to pay off the card or continue to accrue interest charges. It is incredibly disingenuous of American Express to repeatedly assure me of one thing, and then purposefully do another. It 's bad customer service and it 's bad business, especially considering that I 've been an AMEX customer since 2001 and have spent XXXX of XXXX of dollars on AMEX credit/charge cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-12
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Midland Funding LLC left court papers on my XXXX year old grandmother 's front door. My grandfather and father are both deceased. We share the same first and last names. The collection agency used unauthorized and incorrect information to file a complaint with the court in XXXX County - where I do not reside - over a debt over 6 years old. I have no recollection of this debt. I wrote all XXXX credit bureaus to have old debt removed 4 years ago. To my knowledge this account was removed. It appears to have been opened again in 2015 AFTER it was originally removed from my account. The collection agency will not stop leaving documents at my grandmother 's address - which is leaving her visibly shaken and upset - and calling repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-05-07
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called American Express to get a lower APR. I asked if I could open a new card with 0 % APR and transfer my balance. The representative informed me that they do not do balance transfers between AMEX cards, but that I could " upgrade '' my card to XXXX with 0 % APR. I agreed. A few days later, I received a new AMEX card in the mail with a different number than my existing card. I waited a few weeks before activating the card and, upon activation, I discovered that I now had XXXX AMEX cards, my old XXXX with a small balance ( why I initially wanted 0 % APR ), and the new XXXX with no balance. So, my account was not upgraded, I was simply issued a XXXX card. This adversely affected my credit score due to the addition of a new credit account as well as the hard inquiry they made into my credit score. Not to mention the fact that I was lied to ( on a recorded line ) by an American Express representative. I immediately contacted customer service on XXXX/XXXXXX/XX/2015 and was told they would open an investigation and I would hear back in 5-7 days. I never heard anything. I called again on XXXX/XXXX/XX/XX/2015 only to find that no investigation or complaint was ever opened the XXXX time. The representative gave me his ID number, XXXX, and told me I would hear back from them in 3-5 days. I never did. I called again today, XXXX/XXXX/XX/XX/<YYYY> and spoke to XXXX in North Carolina. She informed me that a complaint was opened, but not resolution had been reached and to call back in 30 days. XXXX strikes and they 're out. I have had no satisfaction from dealing directly with AMEX and therefore am reaching out to CFPB for assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was open in my name on XX/XX/22 with Bank of America. I received an email notifying me that my account application was approved. 

I called bank of America and they were able to close the account and sent me information on identity theft. They notified me the person must have had my social in order to open the account.

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 2015-07-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX account # XXXX Re : XXXX XXXX XXXX refuse to delete this account off credit bureau I have no knowledge of this account therefore i asked them to send me any recent activity and I still have n't received anything as of today just a bill, please let me know what i have to do in my part to help delete it off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I have been a long standing customer with American Express. I went through a job loss in the XXXX. As a self supporter, I immediately contacted them to try and find a resolution to maintain my account through that difficult time. My account had always been in good standing until this event happened. They worked out a plan that was misleading, misguiding, and unfair penalties, substantial rate increases, and broken promises. They agreed to work with me in a way that would enable me to maintain my account while going through the tough time. After speaking with them initially ( in XXXX ) i tried to contact them and discuss my updated situation. My call kept being re-routed to another country. I tried contacting amex for months via phone and in writing to let them know of my concerns. I received no response, nor was I ever able to speak with a person in the US. I am disgusted at the way I was treated and the lack of communication! My last written letter to them was in XXXX of 2016. I received a call from a guy named " XXXX '' with Amex in XXXX whom said he was trying to settle my balance and that my card account had been closed! I explained to him the situation and he was promising to try and work out something over roughly a 6 month period to pay off my balance and reinstate my account due to my back ground of good standing with them. I made a huge payment XXXX XXXX, 2016 for stound XXXX. That caused me to nearly be homeless this month as i 'm playing catch up from having three months of a layoff. XXXX said we would speak in XXXX to arrange the next payment. I spoke with him today and he was threatening, nasty, rude, aggressive, and completely ignored my situation. I have the conversation recording. I am extremely upset about this. I 'm a self supporter, whom went through a horrible job loss. I have a job now, and am getting back on my feet. Amex promised to work with me through this journey back in the fall, then deceived me completely in their actions and their lack of customer service to resolve this issue. My credit has been destroyed! I did not ask, nor want my account " charged Off ''. I wanted to work with amex to get through this hurdle and continue on in my good standing with them. They have deceived me, lied to me, mistreated me in so many ways. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Transworld System Inc is the record keeper for XXXX which is a trust, not a lender like some reps at XXXX XXXX XXXX claim ( XXXX ). I need all of the negative marks removed due to misinformation that XXXX gives. There are multiple complaints against XXXX due to misinformation given, there are over a hundred online as of today. Per XXXX state law, XXXX ca n't force auto debit down my throat, I have told them several times that I will never do that with them. Also per XXXX is considered to be a XXXX debt buyer which means they have to adhere to FDCPA and FCRA. XXXX is a XXXX trust that sells debt into investment vehicles and has to prove whether or not they still have the loans. I have not received any proof of this which I asked for several times. Transworld has send some of the debt to a collection agency, but it is illegal to collect on a debt without showing me where it is currently per an attorney I spoke with. XXXX is a fraud they have received several XXXX and XXXX complaints against them which Transworld is aware of. My credit is trashed due to XXXX and their lies. Transworld outsources to other firms to do their work, the way their system is set up is so confusing. On my credit report, it shows that XXXX is a credit grantor which is a lie. XXXX is a trust and XXXX is a servicer. Per the FDCPA and FCRA, all of the information given to the credit bureaus must be accurate. I want all of the negatives plus the loans removed from my credit, I have told XXXX that I am not interested in doing auto debit with them. I even sent them a letter along with the forms saying to stop sending that information to me. I just found that XXXX of the loans was sent to a collections law form even though I was told by XXXX XXXX that he would hold the loans. Transworld is well aware of the complaints because they can go online to find them. My credit is ruined because of the way Transworld does business and they are in the business of confusing people, I can be sued over this debt even though XXXX refused to give me all of the required information, they only sent a promissory note but no information showing anything about XXXX. Also, whenever XXXX send out any letters it only states XXXX on the letterhead and XXXX XXXX XXXX for the name of the loan, again no mention of XXXX which is required for all paperwork. XXXX is a sham based on the complaints I read against them plus they use scare tactics such as wage garnishment, in order for any company to garnish my wages against me on a private loan ; they have an active judgement against me in the state XXXX. My federal loans were in current status, therefore the scare tactics are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a mortgage loan that was foreclosed on in 2012. There were two loans issued by the same bank when they foreclosed they were supposed to satisfy the debt owed on both loans. They are still reporting the second loan as delinquent and with a balance due even though it is illegal under California laws. The loan was issued by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation