BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NC
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:
My son XXXX XXXX, who is XXXX, has never worked, does not drive, and has never had income reported except XXXX is showing on his profile an annual income of {$47000.00}. We can not get assistance for this error. I am his mother and representative payee. I am not sure what is happening except my ex husband is concealing assets under our XXXX sons social security number which is a felony. He has been known to commit these XXXX XXXX  malicious acts in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On the XX/XX/XXXX, I received a copy of my credit report and found that a lot of the information contained in my credit report is not mine. This information includes the date of birth listed on the report, many Derogatory Trades, Trades, Collection Information, Address Information and Inquiries that are not mine. After reviewing my report and determining that most, if not all, of the information in question, has been added to my report by Equifax. I have been trying to work with Equifax since XX/XX/XXXX to try and get my credit report straightened out but, all I get from them is a generic letter that states that I need to provide more info. I have repeatedly provided the info that they request, and even more info than they request, and I still get no cooperation from Equifax. In XX/XX/XXXX, after getting no response from Equifax, I filled a complaint with the XXXX of XXXX and XXXX Georgia. After filling this complaint, I started receiving the generic " more info needed '' letter, but that is all I can get out of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
-My college loans were transferred to Mohela three years ago. 
-I had a XXXX and applied for XXXX relief. 
-Through the XXXX relief program ( XXXX ) suspended any and all payments to be made to Mohela . 
-XXXX advised they contacted Mohela of the suspension of payment. 
-Mohela kept trying to collect on the transferred student loan, to wit ; XXXX dollars. 
-Mohela said XXXX it were still collecting on the loan and were gon na ruin your credit. 
-They, Mohela reported a 90 late payment on my credit history-Now may credit history went from XXXX to XXXX because of this frivolous reporting by Mohela-Five days later the loan was paid in full by a credit card due to the continued harassment and threat to ruin more credit. 
-Mohela reported a loan 90 days late when XXXX suspended payments due to XXXX. 
-- its bad enough experience a XXXX now I have to struggle with a bad credit report and only late payment shown on my credit which has hurt my chances of obtaining viable loans and credit. 
-Please help with this complaint and please stop mohelas egregious behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
Dear CFPB, This complaint is in regards to American Express not awarding a bonus offer on a credit card after meeting the T & C and minimum organic spending requirement. 

Several months ago, XXXX Membership Reward points were awarded by a representative and a chat log was indicative of this. This bonus offer was attached to an American Express Platinum card that I had downgraded after a poor experience at a XXXX XXXX in XXXX. The points were awarded and listed as 'available, ' leading me to believe all terms and conditions of the offer were fulfilled. 

Strangely, I was not given any indication or letter about the lack of bonus offer and believe I may have been misled by false advertising. I would like to request intervention. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
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:
EQUIFAX has somebody else 's medical debt listed under my credit file. I have called the XXXX XXXX XXXX listed on my report, and they stated they have no record of me, or any debt for me. It is not mine. It is a health care bill, and i receive free healthcare from the dept of veterans affairs, and there is no way it could be me. This is causing me some stress and I don't know if there was a breach or someone stold my identity. I have a fraud alert, and credit freeze on file with equifax, yet there is somebody ele 's debt listed under my name. I want it fixed asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: PHH Mortgage Services Corporation
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My name is XXXX XXXX XXXX, and I mother originally start buying a house in XX/XX/XXXX, with XXXX XXXX, but around XX/XX/XXXX, P.H.H. Mortgage Scam Artists got on my mom credit reports and so we thought it was legal until, they had XXXX XXXX from XXXX, XXXX sent us a phony Summons, than it led to another Lawyer Scam Agency, after we went through the XXXX Attorney General. We still are living in my sister 's house because the " Privacy Act Laws, " were not there. The state of XXXX received {$45.00} XXXX  Dollars, and yet my mother and I have received anything about saying we can get back into our home or a Refund .... Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBSA  has been trying to collect {$4200.00} for   XXXX   XXXX   XXXX   this item does not belong to me. I do not have a bonded signed contract with  CBSA  I am not liable for collection of this debt   XXXX   XXXX   XXXX  . I am not responsible for this debt. Please provide valid evidence of signed contract between  CBSA  and my self to validate account.

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 2022-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX Capital One notified me that a hard inquiry had been placed on my credit report. I put a freeze on my XXXX and XXXX report. Then a few days later Capital One called to ask about my recent credit card application and I told them I did not request a credit card and that it was fraud. 

Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX about a credit card being opened in my name and I also told them it was fraud. Today on XX/XX/XXXX I froze my XXXX redit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: CO
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX, XXXX # XXXX has violated my rights.

15 U.S. 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 2020-12-29
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX is reporting inaccurate 30 day late notice on my credit report from XXXX XXXX XXXX on account XXXX for the month of XX/XX/2020. As factual proof I have provided to XXXX  my XXXX XXXX  statement for the month of XX/XX/2020 showing payment being made on time for the month of XX/XX/2020 via automatic payment from my XXXX XXXX Checking account. Additionally the statement for the month of XX/XX/2020 shows multiple payment being made to XXXX XXXX XXXX from my XXXX XXXX Checking account via automatic payment. After I have provided factual documentation as proof of my payment for the month of XX/XX/2020 XXXX refused to remove this inaccurate information from my credit report is defamation of character and willful injury under section 623 of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been receiving calls from XXXX XXXX XXXX regarding a payday loan with Ace Cash Express. They refuse to provide the orginal loan document, this was almost two years ago so I want to know the original loan amount before I pay this company the {$500.00} they are demanding. They also called a coworker and provided her with a case number which I understand to be illegal debt collection practice. They have threatened to garnish my wages if I do not pay {$500.00} this week.

Company response to consumer: Closed
Consumer complaint received 2022-06-01
Company: TMX Finance LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TitleMax has been calling me several times a day for the last 8 months trying to collect a debt. I have never had an account with them and have asked them several times to stop calling because they have the wrong number. They always agree to stop but still continue. The number they are calling from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: High Point Asset Inc
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I paid off the loans last year to a different collection agency. I have the release letters for the loans they are trying to collect on. I sent them to this company but they continue to harass me and now they are calling my cousin harassing her. My cousin has XXXX and she was very upset with theses calls. They have threatened jail because of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I applied XX/XX/2016 for American Express Personal Platinum with a bonus of XXXX membership rewards points. XX/XX/XXXX those points were awarded after I spent XXXX in purchases on the card. On XX/XX/XXXX the XXXX awarded points and XXXX points in my previous balance were frozen. I could not use them, spend them, or transfer them. I opened another CFPB complaint and AMEX responded stating my spend was not enough ( over XXXX ) to earn the bonus, which was false. I decided to close the card on XX/XX/XXXX to see if my points would unfreeze. They did, and I was able to buy a gift card. Then on XXXX XXXX I tried to use my points again and they were frozen. On XX/XX/XXXX I logged in to see I was negative XXXX points in my account which means AMEX took back the bonus I had earned. I called Amex on XX/XX/XXXX and the membership rewards person informed me that my spending had been fine, but that the personal platinum product was identical to my XXXX Platinum and therefore I would n't earn the bonus. The problem here is that the XXXX Platinum is not the same product, and the wording in my offer for the XXXX XXXX did not say anything about having only XXXX platinum card in your portfolio. Also, I received no bonus for the XXXX Platinum as it is a banking solution from my investments, and does n't appear to be tied to any other Personal Platinum product. After doing research I was informed that the XXXX are not the same product, and AMEX has stolen the points I earned for my first ever Personal Platinum product.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX, XX/XX/2015 sent a letter requesting this debt to be validated and noted on my credit report. This has not been validated not noted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I upgraded to an American Express Blue Cash Preferred card In XXXX ( annual fee {$62.00}, advertised as 6 % cash back at supermarkets ) from the XXXX card ( no annual fee, 3 % back. ) In XXXX, I realized that I had not received any " Reward Points '' for cash back since I switched. I called and spent a huge amount of time on the phone and was told there was a computer problem that would be fixed within a few days and someone would be in touch with me. 

I have called and web-chatted several times since then and gotten nowhere. 

Today I called and spoke with a supervisor named XXXX, who would not give me a last name or identifying number. She said there were many thousands of people affected by the problem and we would all eventually get all the cash back that we are entitled to, but she could not tell me when, and would not send me an email putting anything in writing. 

My friend thinks this is a scam - that American Express realized 6 % costs them too much and we will all eventually be told we do n't qualify for some reason. ( The fine print says " additional conditions apply '' but does n't spell out the conditions. ) It seems preposterous that American Express ca n't fix a computer program problem in 6 months. Is this a scam? 

Many thousands ( millions? ) of people probably switched to these cards when they saw the 6 % so I assume this issue affects many many people. ( some may not even realize they are not getting the cash back rewards that were advertised and promised ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX Bank 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 non-monetary relief
Consumer complaint received 2020-12-29
Company: TRANSWORLD SYSTEMS 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:
I've been trying to rent an apartment. This company is making it difficulty. 
They said I owe money because I was in a natural disaster. 
That is not true. They said it happened in 2018. 
The company is called Transworld System Inc. 
I did XXXX search on them and they have tried to scam many people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. I am sending this letter certified mail, return receipt requested so that I will have documented confirmation of delivery. The CFPB will also geta copy of this. 

XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC 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 2020-12-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 2016-07-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Credit card
Issue: Other

Complaint:
RE : Credit Card Reporting HSBC Account # XXXX Age of Accounts/Length of credit history Dear Consumer Financial Protection Bureau : I have a closed HSBC account and that had this credit card for over five years and still has a balance on it. According to XXXX, they claim the creditor requested it removed ( credit grantor removed ). I also reviewed my credit history and discovered that other accounts such as my XXXX XXXX account that I had for over 17 years was also not factored in my credit history/ age of accounts. 
The result of creditor removing my HSBC account caused the age of my credit history to shorten and caused a poor status. These actions to remove the above referenced account was done intentionally to cause the age of my credit history to shorten, resulting in a poor age/history status. 
I have had this HSBC account since 2003, and there is a 13 year perfect paying status that has been removed by someone either from HSBC or the credit bureaus to cause the age of my accounts to be more recent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: General Motors Financial Company, Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I had to file for bankruptcy at the start of the year. While I was in the process of filing I made very clear to my Loan Originator ( GM Financial ) that my intent was to REAFFIRM the loan after the bankruptcy was discharged. At that time I was informed that I would not be able to do anything regarding reaffirmation until AFTER the loan was discharged. To be clear, this was information given to me DIRECTLY by the GM Financial Collections and Bankruptcy departments. 

After the bankruptcy was discharged, I attempted to resolve the loan with them and have it reinstated. At that point they informed me there was nothing they can do, despite being provided with the name and information of the individuals who informed me otherwise. 

Since the bankruptcy was discharged, I have had nothing but problems in dealing with GM Financial. Every single time I try to call in I get transferred multiple times, and most of the time I get transferred I get disconnected and have to call back. I can not access any information about what I owe on the vehicle, I can't see payment dates, payment amounts, I don't even know what I owe on the vehicle anymore. This is entirely unacceptable. 

I want my loan reaffirmed. If the loan can not be reaffirmed because it was discharged, I need a NEW loan based on the current payoff balance, with the same terms as before. I am NOT trying to get one over or cheat the system, I want to be able to interact with GM Financial and with my Auto Loan in the same manner as every other GM Financial customer. It is absolutely unacceptable that I have received multiple different explanations. It is absolutely unacceptable that every time I call in I have to be transferred multiple times. It is absolutely unacceptable that I have to call multiple times because I keep getting disconnected. 

I just want this fixed so I can monitor my loan account like a normal XXXX customer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation