BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: General Motors Financial Company, 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: Information is missing that should be on the report

Complaint:
I have finance my vehicle with GM FINANCIAL for over a year almost a year and a half and have had trouble getting it reported to XXXX even though they say its being reported. I have called numerous times to GM AND XXXX only to be told an investigation will be opened to correct the matter its been almost 2 years and its still not showing even though it reports to XXXX  and XXXX. This is not helping my credit when I have a car loan that Im paying on time every month and have not gotten credit for it and it looks like I dont even have a car loan with XXXX. I have offered to send my payment information my loan information and XXXX refuses to take it from me stating it has to come from GM Financial. When I reach out to them they say they have sent the information and up until now I have gotten nowhere. Please help me get my loan reported accurately on my XXXX   report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My American Express Blue Cash Credit Card with ending number XXXX was wrongfully charged without my authorization on XX/XX/XXXX. The charge was {$100.00}. I paid off the charge plus late fee and interest charge in total of {$120.00} on XX/XX/XXXX. However, American Express charged {$1.00} interest. This blue cash account information disappeared from my online account. I travelled to XXXX and XXXX during XX/XX/XXXX and XX/XX/XXXX and I did n't see the {$1.00} online. American Express Company terminated this blue cash card and closed out the account because of {$1.00}. They also forfeited {$1000.00} cash rewards I accumulated on this account. I authorized my brother to call American Express and one representative promised to fix the issue and return all the cash rewards to my other American Express cards. However, they lied and never return the money. At this moment, American Express refused to reopen the account and return my cash rewards. Additionally, they had reported this unresolved issue to credit agency and ruined my FICO scores. I am deep trouble getting loans if I want to buy an apartment. I have to bring this case to court and sue them and seek financial resolutions. They must pay all my cash rewards back and undo the damage they caused to my FICO score and also pay for any related damages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07
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: Information belongs to someone else

Complaint:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: IN
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:
Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Collection information from XXXX XXXX needs to be removed with immediate effect this does not belong to me. See attached for letter from XXXX. Thank you

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 2017-09-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX an account showed on my credit that belonged to someone else and not myself. I have tried to have it removed since. The debt has since been paid by the person that owed it but it still shows as a collection on my 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 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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 bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$350.00} XXXX/XXXX   XXXX {$350.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX  XXXX {$140.00} XXXX  XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$350.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX  XXXX {$470.00} XXXX   XXXX {$350.00} XXXX  XXXX {$660.00} XXXX XXXX {$660.00} XXXX  XXXX {$3500.00}

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
Consumer complaint received 2016-01-15
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received XXXX notices from Transworld Systems Inc. that my student loans were eligible for default. The letters went on to say that Transworld verified my employment and that my lender may contact my employer to institute a wage garnishment. 

I have not had loans with this company for years. I called and both Transworld and the lender told me this was a mistake by Transworld, that they accidentally sent out XXXX these letters to consumers. This is atrocious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX i filed disputed with the credit bureaus im not why i have yet to received. please help me with this matter.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went through my account and I have several service charges from with draweals that were not authorized over the last 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 2017-03-29
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
they debt collector called me after XXXX. When i asked for my acct information such as amount and account number he kept avoiding answering a trying to humiliate me. He kept trying to put words in my mouth and all I was trying to do was get the information so I could work on paying off my debt but he kept refusing to give me the information until i threatened to end the phone call. He finally gave me the acct number but again kept trying to trip me up by putting words in my mouth. He was extremely rude and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
1. I applied XXXX XXXX platinum card and got approved on XXXX XXXX ; XXXX Ref : XXXX 2. I received new card and started using a card. 

3. My card was being declined on XXXX XXXX. 

4. On XXXX XXXX, I called XXXX security/fraud department number and was told that I will get a call with reference number. Once I have a reference number, I was asked to call back XXXX security/fraud department to verify the account. 

5. I did n't get a call with reference number and called back XXXX security/fraud department again on XXXX XXXX. 

6. I clarified my account and all activity and was told that I can use my card again. 

7. However, my card was still declining. 

8. I called XXXX security/fraud department again. I was told that security/fraud department canceled my account. 

9. On XXXX XXXX, I was told by XXXX customer service supervisor, XXXX, that my account is still active but no new activity can be posted due to security/fraud department action. Only way to reactive my account is closed the account and apply new one. 

I am filing this complaint against XXXX XXXX XXXX for following reasons 1. My account is still active but XXXX does n't allow any new activity. 

2. XXXX does n't allow me to use my card when I verified all my identity/activity since their security/fraud department canceled my account. On XXXX XXXX call, XXXX security/fraud department supervisor acknowledged that this cancellation was their fault. 

3. I am filing complaint against XXXX for their racial discrimination. My wife applied same card and used card for all same purchase I made. However her account was never frozen. Her last name is XXXX ' which does n't imply her XXXX XXXX. I suspect that XXXX security/fraud department selectively chosen my account since my last name implies that I am an XXXX. 

XXXX. I am being told only way for me to use XXXX Platinum product is canceled my current account and apply again. However, my current account has very attractive sign-up bonus offer which was noted in XXXX terms and conditions. XXXX is forcing me to apply to new account which offers much less sign-up bonus offer. I am suspecting that XXXX is doing this since they does n't want to honor originally offered terms and conditions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX Applied for credit card at local Chase Bank branch, I asked to verify the annual membership due day for the first year, Chase bank told me it would be due a year later, the membership fee is {$450.00} but since it would be due each end of the year, there were not explicit date shown when that {$450.00} would be due XX/XX/XXXX Called Chase to look over my update information as it did not call me regarding my case within 48hrs XX/XX/XXXX Card Received XX/XX/XXXX Account was closed by Chase, was told my card was returned in mistake, poor attitude, told nothing could be done by first representative, called another, reactivate my account XX/XX/XXXX {$450.00} Membership Fee is charged XX/XX/XXXX Contacted Chase on phone to supervisor, told nothing can be done, told even though they believe there is a miscommunication, membership fee can not be returned, and refuse to provide any compensation to false advertisement, they created an internal complaint for me and told me I won't get any follow up, it was basically a note saying that I was a troublesome customer on their side, period

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just checked my credit report and a collection account appeared that is part of my identity theft case that was filed in XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX Original creditor : XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$240.00}. Inquiries : XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/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 2020-05-19
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
AF24/7 IS NOT TRUTHFUL IN THEIR LENDING. THEY KERP RAISING MY CREDIT LIMIT TO OF COURSE CHARGE ME MORE MONEY TO WHERE I JAD TO STOP PAYMENT. HOW IS IT EVEN RIGHT. PLUS THEY ARE FUL OF XXXX THEY STATE ITS A XXXX  PAY IT BACK HIW AND WHEN YOU WANT. NOT TRUE. ON TOP OF THAT IF YOU LOOK THEM UP IT EVEN STATES XXXX XXXX XXXX XXXX. WHAT IS THE CUT OFF ON HOW MUCH THEY CAN CHARGE I PAID OVER XXXX A MONTH FOR OVER A YEAR AND OWED MORE THAT WHEN I GOT THE LOAN. I WANT ALL MY MONEY BACK ADD IT UP AND TELL ME ITS NOT A SCAM XXXX ROBBING LOW INCOME PPL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: CARD Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
hello I have an account with card.com which my brother had his unemployment directly deposited into my account. for the past three weeks there has been a hold on my card as they refuse to release his money requesting I send them documents such as proof of identity, proof of XXXX employment such as tax forms and a notorized letter of authorization to release the funds to my account. I have sent then all there requested documents over and over again. Everytime I call them they lie and say there is know upper management department they can transfer me to. Only one time I called they transfered me to a XXXX  XXXX  from the upper department which was a lie as she was the same exact person I have spkke to everything I have called in. this lady lies and tries to change her voice the reason I know it the same person because she can't speak very good English to begin with and can not pronounce notarized for three weeks i kept sending in what I thought she was requesting as I thought she was saying letter of authorization but she was trying to say she needed a notorized letter from my brother giving his permission to release the funds to my account which after three weeks we finally made that clear. These people are awful i have requested they send his money back to unemployment so they can deal with it and they refuse they say unemployment needs to send them a request to send them the money back. my brother has an appointment with unemployment in XX/XX/XXXX another 2 weeks out and does not have any other options of reaching unemployment any earlier than that date. At this point card.com has put a hold on his money which has been almost 1 month now and are not by any means working with us to get this problem resolved. They continue to seek my brothers personal information which I have sent them everytjing he has had regarding his XXXX  employment and proof of his identity. My brother due to this has become XXXX  and is a XXXX  to himself and others. He is accusing me of steeling his money thinking that they released it and I just have not gave it to him. The first time I spoke to card.com they stated unemployment requests the recieve further documentation regarding proof of his identity and self employment. I requested they sent me proof of that request which they stated they could not do. Thats because such proof does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Upon the direction of a BlueBird customer service rep. we deposited {$120.00} into a XXXX ATM with expectations of it being deposited onto our BlueBird card.After doing so we were instructed that is not an option.We contacted XXXX to have this issue resolved and they instructed us that we need to have BlueBird open an ATM dispute, so we did. BlueBird has told us that they are not willing to help, we have the phone conversations recorded.BlueBird has refused to help us file a dispute to regain the money their representative is responsible for us losing and has ignored all our requests to resolve.We faxed the documents they requested from us, a description of the issue and time and date and have fax confirmation.They asked if we had a copy of the receipt, upon us telling them we do n't have XXXX they insisted on a receipt as a way to pass blame. We have make no less than XXXX phone calls to BlueBird which is a part of American Express and sent XXXX faxes to them and they refuse to help in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Friday XX/XX/2020 I was contacted numerous times by XXXX " XXXX XXXX '' he said he is a locator trying to issue me paperwork for case # XXXX XXXX and that I needed to contact XXXX. After he gave me the message he was intending to give he proceeded to contact my daughter and threatened to come to her address- he stated her address- he then contacted my EX- Husband and gave him the same information he already gave me ... I have been divorced 6 years, his name is on NOTHING!! When calling the XXXX # - XXXX XXXX, XXXX said I owed ACE Cash Express {$340.00} plus {$200.00} extra for a locator fee. 
I have requested numerous times that they stop calling on all numbers they have, including my work number!! I have received several messages with threats to show up at my place of employment as well as my house and daughter 's house. 

PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this information with Equifax in which the results of their investigation is that the infomration is reported correctly. I disputed the information and asked that it be removed because the plantiff vacated and dismissed the judgement. I have a letter from the attorney with the proof that this judgement is not correct. How is that equifax investigated and did not know this information. This proves that Equifax has been bias with investigation and has not been investigating correctly. They are leaving a judgement on my file that is hurting my credit report and refuse to remove it even when it 's being vacated andl dismissed by the plantiff.

Company response to consumer: Closed with explanation