BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This email is in regards an American Express offer of XXXX Hilton Honors XXXX XXXX after spending {$2000.00}. The offer is below. I was approved by American Express for this credit card and spent {$2500.00} in XXXX XXXX 



I opened a case with American Express which was a deceptive ad in violation of federal laws prohibiting deceptive practices. My American Express case number is XXXX card number XXXX. 



After I called as to when the XXXX Hilton points would be added to my account. I was told that I would not be able get those points after I met the qualifications and was led to believe I would get the points. It was a deceptive offer that AE has pulled before from the articles seen below. 



This was a deceptive offer to get me to spend {$2500.00} and then declined for the points. This violates federal laws prohibiting deceptive practices. 



I would not expect this from a corporation like American Express and feel taken advantage of and ripped off. 



Why is American Express deceiving consumers with offers they will not honor? 



This are some of the violations that American Express has been found guilty of and my issue is among these violations. 



CFPB Orders American Express to Pay {$85.00} XXXX Refund to Consumers Harmed by XXXX Credit Card Practices Deceived consumers who signed up for the American Express credit card program : Consumers were sometimes led to believe they would receive {$300.00} in addition to bonus points if they signed up for this American Express XXXX XXXX program. But consumers who met the qualifications did not receive the {$300.00}. This violates federal laws prohibiting deceptive practices. 
CFPB and American Express XXXX XXXX to Address Discriminatory Card Terms Consumers Harmed By Inferior Card Terms, Including Higher Interest Rates, Stricter Credit Cutoffs, and Less Debt Forgiveness, Receive Over {$95.00} XXXX in Redress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: DC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, the below accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number 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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX has violated my rights XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Bread Financial Holdings, Inc.
State: PA
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:
This company is a XXXX XXXX posing as a credit card company. Read the reviews/complaints dating back to XXXX  and before. 

Their return address is a XXXX XXXX XXXX Probably located in back of XXXX  in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Xtreme Products LLC
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Upgrade, Inc.
State: NC
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:
Between the dates of XXXX of 2021, myself and family members got sick with XXXX XXXX. I was not working for close to 3 weeks, without pay. Durning that time frame, I spoke with Upgrade and they put me on the hardship program. I was to pay roughly about $ XXXX monthly. While I was on the program they understood I was going through a difficult time and was trying to keep up with my bills. Within that time frame I began to fall sort on many of my bills, and was unable to keep up with the monthly payment. As of today I have only two late payments reported to my credit report that is sadly effecting me in life. Im currently trying to move and get a new place before my lease gives out and the two late payments is causing me much distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: National Financial LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took a {$400.00} payday loan out for bills during XXXX. I have been unable to pay back due to ongoing medical bills, and personal bills. The company has called my phone over XXXX time a day, and left several messages. Now theyre sending threatening emails saying if I make a payment of {$50.00} I can avoid them from processing a judgement with the local courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: IL
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:
In XXXX I lost my job due to covid, I worked at a XXXX  and applied for unemployment. I did not receive my first unemployment check until XXXX. I reached out to XXXX when I got my first check and they asked for {$160.00} and I gave {$200.00} and was told that since I lost my job due to Covid 19 they won't charge me a late fee and it won't show up on my credit report. Also they put on my account that I was affected by a natural disaster. A month later in XXXX I see that they marked my credit as delinquency and called them right away. I spoke to the manager and they said it was a mistake on their end and will wave the late fee and will let all three credit agencies know that it was their fault and that I was not late. I also received a letter from the manger XXXX stating that they will inform all three major credit reporting on updating. I waited a month and still nothing was deleted. I have tried to depute it with the credit agencies for months now and nothing has changed. XXXX told me that I was not going to be punished since I lost my job and since were are in a pandemic and recession. I keep calling XXXX and they keep telling me that it will be deleted and still don't see it deleted on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: Affirm Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, I reached out to Affirm Inc. over the phone after noticing unauthorized loans noted as delinquent on my credit report. I did not open these Affirm loan accounts and did not authorize anyone to use my personal information to obtain loans from Affirm. After the phone call with the Affirm representative, it was promised that the issue would be resolved and I would receive an email within 7-10 business days. None of this occurred. I did not receive an email or any contact from Affirm. In XXXX of XXXX, I noticed more fraudulent loans appearing as delinquent on my credit report. At this moment, it became apparent to me that Affirm had done nothing on my behalf. Affirm failed to shut down the two accounts that contained my social security number. Again, In XXXX of XXXX, I pleaded with Affirm to help me. I asked that they please shut down any accounts that contained my information. The representatives repeated the same lies from XXXX, stating that I would receive an email with more information. At the time, I did not receive an email or communication from Affirm. I was left in the dark while some thieves had access to Affirm accounts with my social security number. It was not until I reached out to Affirm on XXXX, XXXX, XXXX that I finally received an email asking me to submit an Affidavit form. The form was submitted, however, on XX/XX/XXXX, I received a follow-up email requesting that I again submit another Affidavit form on their website. I suspect that this was done to give them more time to respond to my request. As of today, Affirm continues to report to XXXX that those unauthorized loans belong to me, despite the fact that Affirm has failed to do a proper investigation. In other words, Affirm is blatantly lying to a credit reporting agency out of laziness. Affirm has repeatedly lied and promised to shut down the accounts that were using my social security number without my authorization. Now, I am being harassed by emails from Affirm asking me to pay the delinquent loans. These are loans that I never authorized or received goods from. Affirm is allowing someone to continue to have access to my accounts. They refuse to take my claims seriously. I did not receive any contact from them until XXXX, almost four months after I initially reached out to the company. I was given the runaround multiple times, all while my credit report continues to suffer. Furthermore, I was told by one of their representatives that either one or both of the accounts had a different first name. I can not believe that their website has such faulty security checks in place. Not only did they allow two accounts to be opened with my social security number, but the information ( name ) does not match mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
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: Personal information incorrect

Complaint:
I opened up two loans on XX/XX/XXXX for a total amount of {$2800.00} from the Department XXXX XXXX XXXX. I only attended one semester at XXXX University so no further loans were opened after XX/XX/XXXX. The XXXX XXXX XXXX never reached out to me nor my parents one time ... even though, they had all our information. One day I was curious and decided to randomly check my credit score and saw it was knocked down 155 points. I immediately called the XXXX XXXX XXXX to find out what had happened. It's XXXX and they never thought of reaching out via phone or email. Instead, they were only sending physical mail and on top of all that they had the wrong address. My intentions aren't to bash the XXXX  XXXX XXXX XXXX , I just believe it's not fair for them to send a 90-120 day past due notice to collections when I never received one phone call or email that this was occurring. I'm a young kid who prides himself on doing things right and especially with something like my credit score. I really hope you guys could resolve this problem for me ... it would be greatly appreciated. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX and Account number 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 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 2023-01-05
Company: WELLS FARGO & COMPANY
State: NV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I used my XXXX card to book a hotel room at the XXXX XXXX XXXX in XXXX, XXXX. I was excited because I had finally earned enough points to get a free room night. I prepaid the amount of {$200.00} when booking this with XXXX using the Wells Fargo card. When I checked in on XX/XX/XXXX, I used the same credit card to secure the room. However, when I checked out on XX/XX/XXXX, I discovered that the hotel charged me all over again for both nights. They refused to credit the amount of {$260.00} stating that XXXX never paid them. Therefore, I called Wells Fargo ( bank issuer ) to have this charge disputed. They refused and stated they could only dispute the original amount that I paid in XXXX since I had stayed at the hotel. This is completely unfair. I realize I stayed at the Hotel because I was supposed to stay on a prepaid visit. The free room night was not worth this trouble and now I'm not even getting a free room as I had to pay the entire amount for both rooms. Neither the hotel or the credit card are taking responsibility for the additional balance due of {$63.00} after I did everything I was supposed to do from the beginning. Wells Fargo needs to take responsibility and credit my account back for their vendor 's mistake. This is definitely their issue.

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