BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I paid off my American Express card in XXXX on XXXX. Check my accounts for months to make sure there was no surprises. Got a bill from American Express yesterday stating that we owed them {$190.00} due to 2 charges made on the card. One charge was made on XX/XX/XXXX for {$29.00} and the other charge was made on XX/XX/XXXX for {$4.00}. The other {$150.00} is late charges and interest. We called American and explained that we did not charge these amounts and we have not used the card since we paid it off in XXXX of XXXX. They were unwilling to help us in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
In XX/XX/XXXX I accidentally overpaid my credit card bill. I thought I was paying the current balance, but I paid the statement balance. Since my credit card did not have a high balance, my account was now at - {$3700.00}. I contact them on XX/XX/XXXX and they said they could return the credit to me. They took my bank information and I was told my money would be returned in 2-5 business days. On XX/XX/XXXX, i still had not received the money so I called and spoke with 3 different people. Each time I was given contradictory information. I was told my money was on hold. When I asked why I was transferred to someone else. This person told me he couldnt do anything because my payment was already pending. I was told that 2-5 days was not true. it was 5-10 days from XX/XX/XXXX. Each person I spoke too told me a different story and timeline. The final person I spoke to said the money would be deposited by XX/XX/XXXX. Today is XX/XX/XXXX and I still do not have the money and no one is willing to explain why.

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 2018-10-27
Company: GreenSky, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
1 ) GreenSky contacted me on my cell phone on XX/XX/18 to inform me that they " needed more information for more loan application. '' 2 ) Since I had never heard of GreenSky, I assumed that the call was part of a scam and told the caller that I had never heard of GreenSky and had not applied to any entity for credit.

3 ) The caller then told me that they had an online loan application with my personal information and that if I had not submitted the application I might be a victim of identity theft.

4 ) Subsequently I've had several calls from GreenSky. I have provided them with a completed affidavit which states that I did not apply for a loan and with a police report.

5 ) On XX/XX/18 I received a bill from GreenSky for a payment of {$550.00} on a balance of {$54000.00}. I called GreenSky immediately and was told that my account had been closed and that this bill could be ignored it was sent in error.

6 ) On XX/XX/18 I recent a letter from GreenSky informing me that the account was closed and that an investigation into the matter had been opened.

7 ) I set up identify theft protection with an XXXX company ( XXXX XXXX ) and notified the credit agencies.

8 ) I continue to receive calls from GreenSky and apparently GreenSky made an XXXX inquiry using my information on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
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:
I requested a refinance of my car with XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX Florida, on XX/XX/2018, of which I was a member of at the time. They did two hard inquiries when it should have been one which is affecting my credit score. I have contacted them, but was unable to resolve the problem.

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 2018-03-22
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I contacted XXXX XXXX XXXX on approximately around XX/XX/2018 to set up a payment plan to start paying this debt off. I offered $ XXXX  monthly and the personnel on the phone refused the amount unless a larger sum was paid upfront. I explained to the representative that I did not have that type of money to make a large sum payment. He refused to take the {$150.00} and said that legal action would occur. I try to contact agency back a day later without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, 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 account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a " medical Debt '' from Eastern accounts on both my Equifax and XXXX reports, I was FULLY insured and proof of such is being uploaded into this dispute!!!! 

How can you justify billing ME and not collecting from my insurance? pure laziness!!!!!! 

They love to throw around that the debt is " Valid '' well lets see PROOF of that not just your lying word that its so called " Valid '' because here is MY proof that I was not only insured BUT that the medical visit was 100 % covered by my insurance company. 

It's far too easy these days for these companies to scam and try to collect, " We find it valid '' WELL OF COURSE YOU DO!!!!!!!! no one thinks its a conflict of interest? THEY do the investigating? ohh well you mean they found it valid? no? you don't say!! 

WELL LETS SEE PROOF!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I receive letters at about 2-3 years home from XXXX stating I had applied for a credit card with them I called them and inform them that I never applied for a credit card with them and to please noted on the system and do not accept any applications for credit cards with them because I had no plans of applying for a credit card with them about a year later I receive another letter trying to verify information concerning another credit card I had applied for I called them again they did n't accept the credit card but nothing ever done them they when ahead and reported to Trans Union that I had applied for a credit card adding 2 hard hits to my credit score, I called them on XXXX/XXXX/XXXX and was told they had already taken care if but I looked at my credit score and the 2 hard hits still there I want to officially file a formal complain agains XXXX and request that they have the 2 hard hits remove from my credit score, 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 2018-01-18
Company: CNG HOLDINGS INC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We obtained a lease from XXXX through a company called XXXX or XXXX. We were advised that we were able to payoff our refrigerator with 10 biweekly payments of {$140.00} which would total the amount of the refrigerator of {$1400.00}. We were not advised that we would have to pay an additional payment of for a 90 day buyout in XX/XX/XXXX. At the beginning of the lease we sent 3 emails that went unanswered and attempted to contact them via phone as well with no response. Now we are being told that in order to payoff our refrigerator we would have to pay an additional {$900.00}. When I asked to speak with a supervisor to resolve the issue I was hung up on. We really feel taken advantage of by not only the leasing company but the salesperson at XXXX at well. My family made sacrifices for the 10 payments because we knew it would not be for an extended time period. This was a Christmas gift for my fiance and I am extremely disappointed at having to continue with these payments. We are hard working people and this is unfair. My fiance took a refrigerator from the XXXX XXXX and intentionally looked for one that was not too expensive. I do n't feel this is fair. I feel robbed! 

Also, the company took a partial payment in XXXX. We were not certain as to why but now we feel it was a part of their plan to try and scam us anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am signed up with XXXX to monitor my scredit score and other things. I logged into XXXX the first week of XXXX XXXX and it was reported with a 13 point drop. I logged in and the only thing I could see was a XXXX closed account showed that it dropped off my report so I notified XXXX which stated to contact transunion. 
I called transunion to receive a report to see if I could see anything that would require a 13 point drop. I did not. I notified transunion at XXXX to find out why a 13 point drop was reported to XXXX. The only thing they said is how many points would affect certain things. there has been no new accounts open, my bk is coming off my report at the end of this year. I have made on time payments. I do not understand why they can not tell me why my score was reported and dropped 13 points. We are told to monitor our own reports and I do that faithfully. I have credit monintoring though my states attorney membership and I have not been notified of anything happening on my account nor does my report reflect anything. 

The account in question that was closed is XXXX open XXXX XXXX, XXXX closed XXXX XXXX, XXXX removed from my credit report the first week of 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 2021-02-17
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I just simply have been a XXXX XXXX moving around traveling and living at different apartments, and i have like 5 different addresses reporting for myself, the three bureaus have different variations in my name, some have my middle name, some just first and last, and the bureaus have a few different places that i worked on my report still that i no longer work at. 

Id like to get rid of all the variation, have one name, one address, and only include the place of work where i currently am employed.

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 2018-03-22
Company: EQUIFAX, INC.
State: RI
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: Was not notified of investigation status or results

Complaint:
I had file a dispute with Equifax in regards to some inaccurate information. They never answer my dispute. I called and wrote a letter several times and never received an answer. Once they had the incident where they were hacked I resubmitted my dispute and some of the item were corrected. About 3 or 4 months later they were reinstated. Again I filed a dispute and informed them that I knew it was illegal to reinsert an item without proper notice and I have yet to have those items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Tuesday XX/XX/XXXX I received the first phone message from Trans World Systems Inc., ( these are calls to my home number, that I do not answer, allowing calls to go to voicemail. ). The message was from XXXX XXXX at XXXX. I returned the call, XXXX XXXX was not available, they asked for my phone number and was told that I do not have an account with them. They must have dialed the wrong number. After receiving a call on XX/XX/XXXX I spoke with XXXX XXXX XXXX explaining that this is not my debt, please do not call again. I was told that my number would be removed. On Wednesday XX/XX/XXXX. I was called twice at XXXX XXXX and XXXX. I returned the call, explained previous conversations, and was told they were calling for a XXXX XXXX. I again said that there was no XXXX XXXX living here and to please remove my number. This same conversation was repeated again on Thursday XX/XX/XXXX.at XXXX XXXX, Saturday XX/XX/XXXX. at XXXX XXXX., Sunday XX/XX/XXXX. at XXXX XXXX., Monday XX/XX/XXXX.at XXXX XXXX. On Monday XX/XX/XXXX at XXXX XXXX.I again asked to have my number removed from their calling list. I was then given the names of two other people on their call list. I repeated to please remove my number and also asked for an alternate number to call if I received more calls.I then called XXXX at XXXX XXXX. and was assured that my number would be removed and I would not receive any more calls after 24 hours. Tuesday XX/XX/XXXX I received a message to call them giving me a ID code number of XXXX.Again calling on Wednesday XX/XX/XXXX. at XXXX XXXX. and this morning at about XXXX XXXX, I just deleted the message without bothering to return the call. At XXXX XXXX.I received another message .Every time that I call them and ask to speak to XXXX XXXX XXXX which is who I am supposed to talk to, they say he is unavailable. I explain that perhaps XXXX XXXX is not getting the message that he needs to stop calling me. I am not returning their calls, it is pointless to keep going through the same song and dance on a daily, sometimes several times daily with them. This is total harassment considering that we have had this same conversation so many times and have repeatedly requested they remove my number and stop calling me. Trans World Systems Inc. 
XXXX. XXXX XXXX XXXX DE XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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: Account information incorrect

Complaint:
I opened a XXXX XXXX credit card in XX/XX/XXXX and always paid in full every month. My balance was zero an XX/XX/XXXX and again on XX/XX/XXXX when I closed the card because I didn't use it enough to be worth the annual fee. I received a call last week from XXXX stating that my payment was 57 days past due and I asked how could that be if I closed the account months ago with a zero balance. They stated that a charge was allowed in XXXX of XXXX XXXX months after the account was closed. I have since disputed this charge twice, but have failed to get it removed from my credit report and I am still incurring late charges on a fraudulent charge. I do not receive a paper bill or have access to this account through the app since it has been closed for many months.

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 2021-03-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax Information Services, LLC, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1692g Validation of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: JPMORGAN CHASE & CO.
State: AE
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I opened an account with Chase. After the account was opened, I never received any type of correspondence from the company past notification of card approval. I received a notice from XXXX XXXX that the account was 30 days past due on XX/XX/XXXX. Immediately I called the company, paid the bill in full and clarified with them some details about the account. I told them that I did not receive my card, I was not able to establish an online account and no statements or notifications have been received from Chase in regard to this account. The representative at Chase, ( XXXX from XXXX, Missouri ) notified me that electronic billing was selected at the time the account was opened, however, no bills or statements were sent to me. I asked the representative at to verify where the statements were sent and he could not do that, he could only verify my mailing address and was not able to see what email address they had been sending correspondence to. He stated multiple times that they were not able to verify if account statements had been delivered, and he could not verify what email address they had been sent to. XXXX helped me gain online access on XX/XX/XXXX. I have not received the card in the mail, so I was not able to do that myself. I asked XXXX why I had not received any correspondence from Chase and he stated on the phone that I wouldn't have received notifications from the company as I had just signed up for electronic notifications at the time he opened my online account. After I logged into my account I saw that the information they have on file is not correct and was not the same address that I had given XXXX previously. We have not lived at the address they have on file in over two years, and the mailing address is not XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX either. My husband is XXXX XXXX military, and we are stationed in XXXX, XXXX right now. I pay our bills on the XXXX  and XXXX of every month, and had I had notification or account access this bill would not have been delinquent at all. I have worked very hard to bring our credit scores up and establish a good credit history. I have tried to resolve this issue with Chase as I would surely not let a payment like this fall through the cracks had I been receiving proper account statements from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-07
Company: Tower Loan of Mississippi, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am not the debtor my son is. But Ive received multiple calls asking me to give him a message. Ive requested that they take me off the list of reference and not call me again but received a call today XX/XX/19. My son said they havent even contacted him.

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 2021-05-10
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification from a credit monitoring website that a collections account was added to my report. I looked at the information for the company, Enhanced Recovery Company, and I have never done business with this company. I have no accounts with a company by this name. I'm assuming it's a 3rd party collection company. I mailed out a letter on XX/XX/2021 asking for debt validation from this company. I have not received any information from this company in response to a debt they say I owe. It has been over 30 days and this is still reporting on my credit report and has caused me harm financially. It has dropped my scores and caused me not to be able to attain funding for my business.

Company response to consumer: Closed with explanation