BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-06
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I 'm XXXX, disalbled, after an accident at work in 2013, i lost my truck, my home, my wife, my job, @ now I 'm losing what XXXX I had left, before I could pay my bills, now I ca n't, I do n't have anything that this co.Midland funding can take, without the food stamps I get each month, i would n't be able to eat atleast one week a month.after I pay rent, water, serus, lights, @ my insurance, i have about {$92.00} left, I have nothing they can take, i have no dignity left, i have nothing, now they are sueing me in XXXX co court, '' XXXX, if they had bothered to check they would see the only money I get is my XXXX rent an apartment, i have no car, no truck, '' nothing. " Please can y'all help me, im afraid they will take whatitg little I get, @ I, ll be out in the street.i ca n't pay any laser to help me " can y'all help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Most recently I have been disputing these accounts with Equifax around XX/XX/XXXX early XX/XX/XXXX. Verification of debt was requested via letter and sent certified on XX/XX/XXXX and received by all Equifax on XX/XX/XXXX. Equifax has failed to provide sufficient information used to verify debt but has responded that it has been verified or updated. 

Please see list of accounts below. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  X/2016  I a m not sure how this happened, I believe that I had made my payments to you when I received my statements.     I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.

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 2022-03-28
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  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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Payment reported lated on 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 2022-03-29
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-10-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/2016 I was trying to pay for an XXXX purchase via XXXX using my American Express card that is registered to my XXXX account. I received XXXX error messages saying that the card was declined. I contacted American Express via their on-line chat system and was given the number of their fraud department, which I immediately called. I spoke to an American Express fraud representative and he confirmed that my card was blocked because of " suspicious activity '' the purchase I was trying to make was in XXXX XXXX. I confirmed that I had made the attempt to pay and that it was not fraudulent. The AmEx representative indicated he would unblock my card and I would be able to proceed with my purchase. 
I tried to pay for the purchase again twice, and continued to receive the declined message. I called AmEx back and talked to a representative who said that my account had been blocked with a fraudulent charge and that my card had been cancelled and that they were sending me a new card. I informed her that a mistake had been made, I did not want this card processed, and that I needed to have my current card reactivated. She said she would forward me back to the fraud department. Although I had called the fraud department at XXXX, I 'm assuming she did not want to deal with me as I waited almost 10 minutes throug various " please hold '' and music, and kept hearing number tones between each XXXX, until finally I was told be a recording that my call did not go through. 

I called back the fraud line and the last person I talked to confirmed that my card had indeed been cancelled. I explicitly said that I wanted to be transferred to the Office of the President so that I could file a formal complaint. However, this person instead must have pretended to forward me and then my call was disconnected. 

I am now in a position where I have promised to pay for goods in XXXX and American Express has prevented me from doing so in a timely manner that causes me harm to my reputation on XXXX as well as harm to my relationship with the individuals and business I have agreed to purchase items from. 

I 'm not sure how American Express is treating their customer service people, but there appears to be a complete lack of compliance when it comes to following the rules and regulations for filing complaints that could cause severe under-reporting to the CFPB. 

While I am glad that American Express is protecting me from fraud, I am very unhappy with how I 've been treated and their blatant disregard for the rules and regulations of the XXXX. I would like American Express to revalidate my card as soon as possible. 

I am requesting that this be published so that others know that if a company refuses to let you file a formal complaint with them, you can come to the CFPB website and file it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Applied for and paid fees for PMI removal process and can not get any straight answers about the process and all agents hand up on us and do not move this request forward. Has been ongoing for more than XXXX weeks. Also paid the fee and see that its been posted to account for PMI removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. The bureau also found that the bank violated the CFPA in how it charged certain borrowers for mortgage interest rate-lock extensions. 

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 explanation
Consumer complaint received 2022-08-31
Company: CITIBANK, N.A.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, CITICARDS CBNA XXXX Date Opened : XXXX XXXX, 2006 Balance {$8100.00} If you feel there is a possibility this accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
First this account is not mine. Second, it has been reported different on each credit report. One says open, one says closed, and the payment history is different on all three. 
15 U.S.C. Sec. 1681i ( a ( delete if inaccurate ) I have reported this and nothing has been done.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 U.S.C 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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.

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 2016-07-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
i had to open AmEx Delta Gold card with AmEx on emergency to obtain a ticket on Delta airline.after i opened card i did not receive a number so i was forced to use other meaning to buy a ticket.After i got to NY next day i called to AmEx on XXXX XXXX to cancel card without even without getting a number yet but was told i have to wait until card arrive, s in mail.I left NY next day and came back XX/XX/2016Called to AmEx to cancel card, which came in a mail, even before it was activated.Card number is:XXXX. Expiration XX/XX/XXXX.Spoke to XXXX XXXX who said there is a new promotion and it would made me re-consider cancellation.She transfer me to promotion department and XXXX XXXX, after consulting her superiors told me if i keep this card and spend {$2000.00} within 3 month i would get XXXX Delta Airline points and {$50.00} more if buy any Delta products.I spent {$2000.00} and instead of XXXX XXXX Delta points i was promised received only XXXX..Contacted AmEx XXXX/XXXX/16 and asked why, was told by XXXX investigation open since XXXX/XXXX/16 about it.I did not understand what to investigate, but let it go.Contacted AmEx again to clear it XXXX/XXXX/16 and was told same thing investigation is going on, but when i asked what they investigate my " Chat '' session was terminated. Why AmEx, who seems to be respectable enough, does not feel obligated to keep their own promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: AMERICAN EXPRESS COMPANY
State: SD
Product: Credit card
Issue: Other

Complaint:
i paid a company with my american express card that turned out to be a scam.i reached out to my credit card company for help and was told they could not help me.supposedly i was out of a time period to dispute.i just dont understand why they would do that.a company as big as american express should be able to do something.the company name was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: AMERICAN INTERNET MORTGAGE
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our house has been sold and we requested a payoff statement from AIM Loan for XX/XX/2022. Our payoff statement was issued as good through XX/XX/2022. We had an issue with the sale and the new closing date became XX/XX/2022. On XX/XX/2022, I sent a message stating that our mortgage would be paid off, and making sure I did not need to make any payments since a payoff statement had been requested. AIM responded in the affirmative, that it is policy I did not need to make any payments once a payoff had been requested. On XX/XX/2022 I received a letter that we were late on our payment and had been assessed a late fee. My husband called AIM to tell them that we had already checked about not paying this month since there was a payoff coming. The AIM customer service person was obstinate that if they did not receive payment by XX/XX/XXXX, they would be reporting to our credit and they had already assessed a late fee. Now AIM wants to report to our credit that their payment is 30 days late and assess us a late fee and charge us an extra {$500.00} or so. They have refused to hold to their previous statements or their own policies and are simply trying to steal even more money from us.

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 monetary relief
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: WI
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 daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: CA
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:
the XXXX bank account # XXXX that's reporting on my credit report has inaccuracies that makes this report invalid ... date last active XXXX XX/XX/XXXX experian XX/XX/XXXX / XXXX XX/XX/XXXX... 
DELETE THIS INACCURATE DERAGATORY REPORT THATS HURTING 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 non-monetary relief
Consumer complaint received 2017-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My  Auto n ote is {$350.00} a month with the payments being divided between my  XXXX  paychecks and rendered before or on the  XXXX  of each month. Supposedly in  XXXX   2014 , the second half of my payment was {$10.00} short and my account has been notated as 30 days late on my credit bureaus ever since. My payment is due on the  XXXX  but they tell me that they need to post it on the  XXXX . Makes no since. Either the  XXXX  ( according to my paperwork ) is the due date or it is n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Aargon Agency, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am from XXXX but had a fire in XXXX XXXX emergency health coverage  the XXXX health plan XXXXXXXX. All other creditors filed there claims but these guys. They placed it on my credit report. Like every other collection agency i have ever talked to they do not care to hear that they are wrong about anything. In XXXX they are particularly immune from falling any laws. They hung upon me and of course are on a power trip. Welcome to 2022.

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 2019-08-10
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been seriously compromised due to XXXX  breach and my wallet being stolen..Now the after fact is a demise of unknown and unauthorized accounts reporting on my credit file. I'm demanding the immediate removal of these fraudulent accounts. I have no such contract with either of these companies. 

1 ) XXXX XXXX XXXX {$790.00} 2 ) XXXX XXXX XXXX {$2300.00} 3 ) XXXX/ XXXX XXXX 4 ) XXXX XXXX {$6400.00} 5 ) XXXX XXXX XXXX   {$17000.00}

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