BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I closed my business platinum AmEx account ending in XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received an email from American Express stating that " After careful review, we noticed activity that indicated these points may have been earned or used in a way that doesn't meet the terms and conditions of the Membership Rewards program or of the promotional offer under which you earned the points. '' I logged into my account and found out that XXXX points were taken away from my Amex Membership rewards account. I called Amex right away and the phone representative could not tell me the reason why points were removed. I told her that I opened my account in XX/XX/XXXX and earned the XXXX bonus points in XX/XX/XXXX for meeting the spending requirement. In XXXX when I closed my account with a chat rep because the second year annual fee was due and I want to avoid the XXXX year fee, the rep did not say anything about the points may be taken away. I don't understand the reason why Amex took my points away after I cancelled my account in XXXX. The phone rep could not give me any reason and she filed a case for me with case # XXXX. She promised someone from the backoffice will contact me with the results of the investigation within one week. Now more than 2 weeks has passed and no one from Amex contacted me about the result of the investigation. My XXXX point still missing. Please help me to get amex to reinstate my points. I am willing to reopen the cancelled account and pay the 2nd year annual fee if Amex can reinstate my XXXX points. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: CCS Financial Services, 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 Account # XXXX, XXXX, & XXXX have 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 an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15
Company: Stellar Recovery, Inc.
State: UT
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:
1. XXXX billed at a higher rate than quoted during the sales calls. Month after month telling me it would be fixed, giving me one reference # after another. 2. XXXX 5 year price lock, was a lie. Their bill increased around 45 % in just over a year. 3. ( Please see Arizona Attorney General v XXXX XX/XX/2016 ). Some of the XXXX the Arizona XXXX believes violated the Arizona Consumer Fraud Act, happened to me from XXXX in Arizona. After two other collection agencies backed off from this collection, Stellar Recovery Inc . Proceeded to damage my spotless credit. It was very clear with the information I gave them, this was not a good bill. they should have declined, like the other XXXX agencies did. They damaged my credit, causing XXXX company not to do business with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: GA
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 Account # 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 instructions Ive been asking the company to provide accurate documentation because I am not associated with the address on their documentation and I never lived there and thats not my signature what do ever so please update my credit reports please and thank you so kindly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Oxford Law, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I received a call on my cell phone from Oxford law llc out of XXXX Pennsylvania. After a lot of wasted time and being talked to very rudely it was discovered they had the wrong phone number on account, and was assured I would not receive another call. I informed them due to my cell plan they cost me money every time they call. I was contacted on XX/XX/XXXX again. It might not sound like a big deal but it is a waste of my time and money due to their incompetence. I find their business practice and tactics very questionable. I have not been late on a bill since the late XX/XX/XXXX and find it very insulting to be spoken to they way they do. As I was looking them up online I was praying they were close enough to drive to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: NV
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:
I have reach out to XXXX many times and advise them these companies did not have my permission at all to run my credit I have even reach out to the companies and they still have not remove them. I went to XXXX XXXX and got a car from them only and never went anywhere else. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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:
I sent my letters off on XX/XX/2022 at XXXX. I told ALL the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out that has multiple accounts but XXXX of the accounts " XXXX '' and XXXX CARD are what I am targeting as my priority in this letter. The Tracking # 's, that were provided to me for tracking are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. Also, according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

If you look at the dates of last activity, the dates across ALL XXXX credit bureaus are NOT the same, which violates the law ; if you look at the high balance, the balances are NOT the same across ALL XXXX credit bureaus, which violates the law ; If you look at the dates opened, the dates are different across ALL XXXX credit bureaus, which violates the law ; if you look at my XXXX Card, open and close dates, they are inaccurate; Finally if the account is closed, why does it still say that I have a past due balance on this account? This is breaking the law as well and I've reached out to them and will be waiting for a response as well. The information for XXXX is below. 

List of Account - Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : 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 2020-06-17
Company: JPMORGAN CHASE & CO.
State: PR
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:
2 JPMCB CARD accounts opened up several years ago keep reporting negatively on my report. i do not have this card nor have i ever had this card. it is not fair they keep reporting negative items. therea 60 items for both of them. this needs to be fixed i have tried many times to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
When I started school I was as not fully informed of my loans. It was not explained to me through XXXX. I received my XXXX in XXXX and now owe over {$67000.00} that when I signed up for school was under the assumption that I would owe {$30000.00}, Not twice that and most of it is interest. Lasr year I signed up for an income based repayment plan and I have {$0.00} payment a month from that. I will not pay what I do n't feel I owe because I was cheated out of being fully informed. I have tried to get an audit from the department of education, filed a police statement for being stolen from by XXXX. I have tried to call the school numerous times and have not had a solid answer. I would not mind paying my {$30000.00} for my loans but I will not be cheated out of another {$30000.00} for a degree I can not even use in my state that I was also not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX accordance with the Fair Credit Reporting Act XXXX Accounts has violated my rights. 

15 U.S.C 1681 section 602 A I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending harassing messages weekly, making false statements about speaking to my loved ones, and threatening to prosecute me about a debt. I will attach the most recent message below.

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 2015-10-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several hard pulls on my report that are not mine. for months I have been trying to work with eqifax and have even disputed the pulls. the dispute was entered at night and not 8 hours later they stated they investigated it and they were not pulling the wrong info down. I also disputed the info with experian and XXXX whom took my report and took the wrongful hard pulls down, started a fraud alert and were very helpful. Equifax is near impossible to get anyone that can or will do anything, today I filed a police report due to hard pulls that are not mine, Equifax stated they would not do anything about it. I 'm submitting complaint here in hopes to get action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit System is claiming I owe them {$180.00} for application fee. My identify was stolen and this is a result of that. This was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed a tax lien on my credit report with Equifax numerous times. Each time it states that it was verified via XXXX. I have asked for printed documentation that is dated after XXXX XXXX, XXXX ( letter attached ). To only receive a generic dispute results letter with an Equifax letter head. Under XXXX, the bureaus have to show me proof of their verification not tell me. Equifax has failed to properly re-investigate this. They sent me an almost identical letter in XXXX XXXX and XXXX XXXX. That tells me they generated a pre-written letter from the computer and sent it to me. I have contacted the court and they advise that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. So I do n't know why they were mentioned in the results. I am asking for Equifax to provide documentation that they have re-verified this tax lien with a XXXX letterhead that is dated after XXXX XXXX, XXXX. I sent the last dispute letter VIA USPS with the tracking number XXXX. The letter shows delivered but they did n't provide the requested documentation. Attached is a copy of the letter sent and the results that I received from Equifax. Please have Equifax to mail the above requested documentation to my current address. Also, have the responding Equifax representative provide the last date this tax lien was " verified '' with XXXX along with their name and/or ID number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/2020 XX/XX/2020 Sent 609 letters for verification for old debts and wanted them to be removed due to it being incorrect and old

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX  is reporting on my consumer file without my written permission. Violation of 15 usc 1681 section 602a and 15 usc 1681 section 604a section 2. Please remove this account. Each violation of this has a {$1000.00} fine

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX is reporting on my consumer file without my written permission. Violation of 15 usc 1681 section 602a and 15 usc 1681 section 604a section 2. Please remove this account. Each violation of this has a {$1000.00} fine

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 2017-01-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Since 2011, Fed Loan Servicing put me into multiple months of forbearance because I could not afford payments. However, in those months, the forbearances were from the company mishandling my paperwork for my loan repayment programs and were not my fault. They always stated that they need at least a month ( i.e. a full payment ) to make corrections, which cost me {$3000.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My bank neglected to notify me that my escrow was behind. 
After not notifying me they sent documents to my bankruptcy attorney advising they did notify me. 
I made my payment every month for the amount I thought was due. 
I spoke to the bank and was advised that. They did not notifyme because of the automatic stay. My attorney advised theywere sent a release letter so they could advise me. 
My loan payments has increased since my bankruptcy andI was notified. In an effort to resolve the issue I calledSunTrust bank and asked what is owed. They refused toto tell me and refused to allow me to make payments. 
They advised we want to go to court even though weknow you are trying to fix this. They have {$1700.00} in escrowplus I sent an additional XXXX even though they refused. 
My payment now is XXXX I have been advised. The first {$2000.00} I sent afterthey refused my phone payment was made electronically from my account. I called to verify receipt and was told we got XXXX on XXXX XXXX 2015. This must be wrong I haveproof you got {$2000.00} then I was told the rest must have gone to fees. 
I am being forced into possible foreclosure for some reasonSunTrust wants my house not payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear XXXX, my complaint against Ocwen has XXXX issues : A ) No paper statements for several months in various episodes, B ) No online access to my account, C ) Late fees charged several times on purpose and for no reason/excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
This account is XXXX. XXXX is not reported to a consumer report. After the settlement Balance was paid there is a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. Regardless to if the company issues a 1099c to the consumer or not the discharged balance must be reported to the IRS as income. The account status is no longer debt but income. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income does not get reported to a consumer report. XXXX  XXXX was relieved of the tax burden with this account and the tax burden then placed on the consumer. There's also case law to back up what I've just stated. Franklin Credit Mgmt v. Nicholas, Amtrust Bank v. Fossett. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n XXXX XXXX can be held for civil liability for willful non compliance. I will also be filing a a tax complaint against the company as I've requested a 1099c with XXXX XXXX and that request has yet to be fulfilled. Even though the discharged balance is not over XXXX dollars in which a company is required by the IRS to file form 1099c it does not mean the consumer is excluded from filing the discharged balance as income on their tax return. So regardless to the amount it is still income. I want the account deleted from my consumer 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 2015-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.

Company response to consumer: Closed with non-monetary relief