BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-11
Company: Oracle Financial Group LLC.
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They are saying that i need to pay or they will send me to court. Fistr they said they were calling from the county then they said they were from the city council.. and that they have a dock number and they need to serve me papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-26
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone stole my personal information and identity and opened an unauthorized and fraudulent account with XXXX. The account or debt do not belong to me. The following unauthorized and fraudulent inquiries do not belong to me : XXXX, XXXX, XXXX and XXXX. I have been receiving harassing and threatening telephone calls and death threats from XXXX representatives for the unauthorized and fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under 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 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 2022-05-26
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian has removed my credit report from online. When I log on their site it shows a credit report from 2 years ago!!!! They are using this as a tactic so that I am unable to view what's on my credit report this is a violation. As consumer reports are supposed to be made available online and not just by mail. Update my credit report on Experian.com immediately!

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 2016-12-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
American Express has locked me out of accessing my account. 
Amex detected potential fraudulent charges on my card last week and alerted me immediately through the Amex app I use on my phone. After confirming these were fraudulent charges not iinitated by me, Amex canceled the card. This is common practice. They have mailed me a new card. In the mean time, I am traveling and have not nor will not be home in the immediate future to receive the card. In addition to canceling my credit card, they have frozen my online access and will not provide the detail of recent charges or statements to me. I can not unfreeze the access hold until I have the new card in my possession, which I will not as i am not home. I need the account access to a ) review my statement which has a $ XXXX+ amount due next week and b ) I have a business which I need to confirm past charges in the past 3 months that I am being double billed for. 

This is not OK in any manner. Amex is not willing to work with me on getting me the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello! 

FedLoan Servicing is my student loan servicer. On XX/XX/XXXX, I called FedLoan and requested refund of payments made during XX/XX/XXXX through XX/XX/XXXX as part of the CARES Act. The payments totaled {$6700.00} and were as follows : XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, and XXXX XXXX {$960.00}. 

I was informed the refund request was not initiated until XX/XX/XXXX. At the time, I was told the process could take up to 60 days. I was told the refund process includes FedLoan initiating the request who then sends the request to US Dept of Education - Federal Student Aid ( FSA ) for review and approval. After waiting approximately 60 days, on XX/XX/XXXX, I called FedLoan to check on the status of this refund request since I had not received it and I was told the process can now take 90 days. FedLoan informed me they have submitted the request but are waiting on FSA to approve it before they can take action. And I was told the refund would come in the form of mailed US Treasury checks since XXXX was my loan servicer prior to being transferred to FedLoan in XX/XX/XXXX. I continued to wait another 30 days and called XXXX in XX/XX/XXXX and was told the process is taking longer than expected and to wait longer. As of XX/XX/XXXX, I am still waiting for this refund request. I have wait well over 150 days for this refund request. 

I know FedLoan is working incredibly hard to process thousands of PSLF Waivers and refunds over 120 payment counts. I feel that my request is not being processed in the order it was received and there is something wrong with my particular request. I do not feel that FedLoan and FSA are communicating appropriately to handle my request. I do not receive any communication for my request and each time I call FedLoan, I can receive conflicting information and need to escalate my call to a superior representative to get consistency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2011 my doctot 's office submitted a claim to XXXX XXXX for {$220.00}. This bill was an office error in coding to my insurance company and was resolved and paid in full by XXXX. I visited the doctors office accounting today and they show no balance due. I contacted XXXX XXXX be phone today and they show no balance owed. They said to contact Equifax and have it removed, as it was removed or recalled by my doctor 's office. I do not owe, nor have I ever owed this bill since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently obtained a copy of my credit report from Equifax. There was an unauthorized inquiry made by XXXX XXXX Bank. On XXXX and XXXX, I wrote to Equifax advising them of the unauthorized inquiry. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX had reported a payment late on my credit report for the month of XX/XX/2022. I set up two payments to be taken out of my account on XX/XX/XXXX and also XX/XX/2022. For some reason the company has failed to withdraw the funds from my account even though I had enough money in my account to cover the payments. I sent in proof from my bank on XX/XX/2022 which stated that XXXX XXXX XXXX XXXX failed to withdraw the funds from my account. I also sent in proof of my statement for the month of XXXX which shows that there was enough money in my account to pay for these payments. The credit card company XXXX XXXX XXXX XXXX still failed to update my credit report my payments should have went through but XXXX XXXX XXXX failed to take the funds even though they were in the account. My payments should have been paid since I had money in my account. They should not be reported late because the company failed to withdraw the funds that were there.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
A supposedly deactivated Bank of America credit card with a closed account number used to make purchases on XXXX several months after the account was closed. 

On XX/XX/2022 I lost my Bank of America Credit Card. On XX/XX/XXXX a Bank of America fraudulent charge alert notified me that someone had made purchases with that credit card through XXXX and XXXX. I immediately called Bank of America to report the fraudulent charges and close that account. Bank of America said they deactivated that card as of XX/XX/XXXX or XX/XX/XXXX. 

On XX/XX/2022, I found charges to my new Bank of America account from XXXX, despite not having used my new Bank of America card since the end of XXXX ( when I found the fraudulent charges ). I called XXXX to report the Fraudulent activity and confirmed that last four digits of the card used to make the purchases and the last four digits of the card canceled in XXXX. This time I had not been alerted at all by Bank of America. The supposedly deactivated credit card had been used to make purchases on XXXX and the charges were coming to my account. It is also evident that no identity validation or security checks had been done to ensure that the transactions being made with that card were initiated by the actual owner of that credit card.

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 2015-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My XXXX Account was transferred to a new owner of a business I sold in XX/XX/XXXX. She notified XXXX of the change in ownership and submitted the necessary paperwork to take responsibility for the account when the account was in good standing. She later ( in XX/XX/XXXX ) declared bankruptcy and had a negative balance on the account, and XXXX is pursuing me to get the negative balance of $ XXXX repaid rather than pursuing her in bankruptcy court. I have provided documentation on the business sale, a tax form from XXXX which does not indicate any connection to me or my social security number ( I have no relationship to XXXX ), the letter I sent to the collection agency and XXXX, and an email from the actual owner taking full responsibility for the account and stating that she transmitted all necessary documentation to XXXX to transfer the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX/XXXX/2016 I contact Trans Union through the cfpb.gov online gateway stating that XXXX of my personal emails hosted by XXXX was hacked, contained account and sensitive information and since XXXX of 2016 I had been receiving account threats of bills and accounts opened in my name using my social security number address name. and the I have subsequent hard inquires as well on my Trans Union consumer credit report and that I would like all inquires made after XXXX removed as I also initiated a Fraud Alert across all XXXX credit bureaus. However I was informed by Trans Union that since the email that was hacked was not the same as the one I used to communicate with the cfpb they were not under under obligation to do anything at all. I find that both untrue and evasive if the material issue was that if my email was hacked then " I '' was compromised and need remediation as a consumer starting with the retainer and furnisher of credit inquiries and records, not misdirection and dismissal of the damages suffered.

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 2022-05-26
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:
FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settl XXXX XXXX XXXX 
Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$24000.00} written off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX  XXXX, NJ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA violations : accounts not mine XXXXXXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settl XXXX XXXX XXXX 
Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$24000.00} written off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Resident type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
XXXX '' HI opened a credit card with American Express on phone and was told that if I get approved I shall get the bonus points after fulfilling the requirements which I did. In course of fulfilling my requirements I asked few times if I shall get the bonus points and I was told yes by the representatives. After fulfilling my requirements I asked for the bonus points and I was forwarded to a supervisor who told me that as I previously had this card and even though I never got the bonus but I cancelled it I wo n't be getting the bonus. 
I humbly think that this is not right and not fare as the bank should not had issued me the card first place and the representatives should had warned me that I wo n't get the points. Doing so only after I fulfilled my requirements and being told by the representatives is misleading and leaves a very bitter taste and feelings. 
If I do n't get the promised bonus points I feel myself free to pursue other justice options

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I canceled my American Express card months back due to fraud and they continually sent me statements each month with a XXXX balance and sent me a new card recently without my consent. I called them today to rectify the situation and to stop harrassing me but they would not talk to me without giving my personal info. I have no balance on the card and want them to leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: MI
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:
I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiry to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiry removed or have anyone from Experian contact me about the status of my concern. Here are the incorrect information and inquiry that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/2022 XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2015-03-25
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not know who these people are but they continuously call my house and NEVER leave a message. This past XXXX, XXXX, and XXXX alone they called XXXX times. Friday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Saturday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Sunday XXXX/XXXX/2015 at XXXX, and XXXX. I believe this is harrassment and if the matter does not get resolved I would like to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21
Company: GVA Holdings, LLC
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was advised that I was approved on Friday XXXX/XXXX/2015. I had to call back to provide my debit card number. I was assured I was approved on Friday and when I called back on Monday, I was again assured that the loan was approved. However, no funds were deposited on Monday XXXX/XXXX/2015. I asked for my bank balance and the loan was denied after giving my bank balance after underwriting was contacted. 1. My loan was approved on Friday. 2. My balance has nothing to do with an underwriters decision from Friday but denied today. 3. As a result of their actions, I am in deeper debit by - {$640.00}. 4. I asked why was n't I informed of this deicision before now? He had no comment. I asked for a review of this decision but I was denied. The manager refused to give me anything other than his first name : XXXX and stated he will send me an email by XXXX. I signed a contract by eform and the loan was approved but the leader refused to issued to loan or pay for the fees resulting in misinforming 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 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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:
There are 4 hard inquiries on my credit report that I didnt authorize and would like them to be removed immediately. 1. XXXX Card, on XXXX of XX/XX/XXXX, I was shopping on XXXX using my XXXX card and then came a pop up as I was going to pay telling me that I can agent an XXXX XXXX XXXX card and get huge savings and I will be able to pay overtime, so I clicked on it then decided not to use XXXX XXXX XXXX card only to see a hard pull on my credit report from XXXX XXXX XXXX, I didnt approve of this and would like it to be removed immediately. 2. XXXX, I was shopping on XXXX when XXXX offered my to used them and pay over 6 months without any interest, so I filled out the questions they asked me not having a clue that XXXX XXXX was going to do a hard pull. I was thinking that it was going to be done directly with XXXX, there was nothing there that says XXXX XXXX. This inquiry must be removed. 3XXXX XXXX XXXX XXXX XXXX never went to XXXX XXXX XXXX to apply for anything on the XXXX of XX/XX/XXXX, so I didnt authorized this hard inquiry. Please remove it. 4. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, I didnt authorized this hard inquiry. Please remove it.

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