BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-28
Company: AMERICAN EXPRESS COMPANY
State: MT
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:
I applied for the American Express Gold Delta SkyMiles credit card on or about XX/XX/XXXX. 

American Express led me to believe the company would award me XXXX airline miles ( Delta SkyMiles ) after making {$2000.00} in purchases within 90 days of activating the new card. 

I made over {$2000.00} in purchases within 90 days per the terms that were advertised to me by American Express.

The entire balance of my AMEX account statements were paid in full. All payments to AMEX were made on time. 

I did not receive and have not received the awarded airline miles American Express advertised. 

On Friday, XX/XX/XXXX( XXXX XXXX. Mountain time ) I spoke with one of their representatives by phone. She read me terms that made me seemingly ineligible for the award which was not apparent to me at any time when I applied for the card via American Express online https : //online.americanexpress.com. I told her American Express 's terms were misleading and that I was going to file a complaint. 
Prior to my phone call with the AMEX representative, at no time did American Express notify me that I was not eligible for the award of the XXXX airline miles. 

In the application process, I never received notice nor was I ever alerted by American Express that I was not eligible for the award of XXXX airline miles. 

The terms expressed by AMEX 's representative on the phone to me were never made clear to me at any point in time. 

Had I known, or been properly informed in the application process by American Express I would not qualify for the award of airline miles, I would not have submitted or withdrawn my application for the American Express Gold Delta SkyMiles credit card. 

I was never informed in the online application process by American Express that I was ineligible for award of the airline miles, thus I was never given a fair opportunity to judge whether I wanted the financial product or not. 

American Express should have made it clear to me when I was applying, or at some point in the application process, that I did not qualify for the award miles. 

To the best of my knowledge, the foregoing statements are true, accurate, and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-09
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I contacted vanilla prepaid debit card today XX/XX/2023 about them replacing my gift card with a balance of {$30.00} because once I opened the package I saw that the card was misssing numbers on the front and missing the cvv number on the back. They wanted me to provide a proof of purchase of the card when it was a gift given to me on celebration occasion. A receipt I obviously dont have or know who gave it to me. This company obviously know most of the people wont have access to that receipt as proof, thats the way to keep their scheme fraud going.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: National Credit Adjusters, LLC
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never signed contract nor any contract with National Credit Adjusters LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with National Credit Adjusters. 

On XXXX XXXX a certified letter was mailed to notify that I have never open any loans with anyone in XXXX. I requested verification of this information and nothing was sent. No response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have several online accounts because I simply dont want to pay ridiculous fees. I use them for various purposes and try not to put all my money in one place. I also purchase a lot things using XXXX XXXX. I was laid off on XX/XX/2020 due to Covid19 impacting the hotel business. But quickly took the opportunity to be rehired again on XXXX XXXX to be laid off again on XX/XX/2020. I decided to consolidate all my accounts into one for better management as I need to see my entire savings in one place. I transferred amounts from XXXX XXXX and the other 2 bank accounts to Simple. Everything was good until I started to spend the money. Without warning on Friday, XX/XX/2020 at XXXX I received a message from support saying my account is in the process of closing and basically I have no access to my balance. After its closed ( which I know takes several business days ) theyll mail me a check which can take another 10 days. I am on unemployment now but my first payment is in 2 weeks! Contacting me 9 minutes before they close for the long Memorial Day weekend and blocking my funds is inhumane and in my opinion cowardly. Im not disputing or questioning why my account is being closed because they hide behind the fact that they can close accounts as they see fit and bare no responsibility for inconveniences caused by this closure. I have {$200.00} on me and rent is coming up. Support has ignored my request to access some of my funds for bills and living expenses and I can wait for the check later on. They refused. I have no income because of Covid19. My unemployment insurance doesnt start until XX/XX/2020. I have rent, bills and have to eat. And Simple blocked me from my money and does not care. Banks dont need to tell us the reason they are doing certain actions so why do I need to tell you why Im transferring money into Simple account and spending them? This is not my fault and feel like its my problem. I might as well purposely catch Covid19 so I can be put out of my misery. This is not right. Its only {$3700.00} to Simple, small amount. But its my lifeline and Simple just cut the cord. Give me something. If you close my account then close it but youre giving me no options to survive. If you suspect something block the transaction and call me to ask. Dont close it without warning and take your time giving me access to my lifeline because its a small amount and you dont care. I need {$2000.00} for my rent and bills plus Ill eat XXXX XXXX everyday. You accept money so willingly and readily as if its yours. Then when its taken out to be spent you throw a fit by closing my account and blocking me access. Is this how it goes? Amidst a pandemic we are at the mercy of the banks because we need money to survive. Is this where banks play XXXX and determines who suffers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2020-02-01
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom It May Concern : I am complaining in two parts, firstly XXXX  XXXX is reporting incorrect and defamatory information to the credit bureaus. The account was paid off with a settlement from XXXX due to the car being totaled. According to XXXX  XXXX and the 3 credit bureaus the account was written off, which is absolutely incorrect. I have submitted documentation of this, indication of total loss letter by XXXX. This is a violation of the fair credit reporting act. 

I am requesting intervention in this matter. I am also requesting assistance with XXXX XXXX and the erroneous information they are refusing to correct it as well. 

I sent information to them 2 years ago informing them I did not reside at this apartment for the timeframe they indicated. I sent usual receipts and documentation. I need to know if I need to file a report with the courts to assist me in this matter. I am not paying for something in which I moved out and did not reside at.

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 2019-05-24
Company: Acceptance Rentals, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who Acceptance Rentals Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Acceptance Rentals Inc is indicating that an account with the account number XXXX was opened with their company in XX/XX/2014. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Acceptance Rentals Inc as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Acceptance Rentals Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Acceptance Rentals Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 joined in XX/XX/2021 and I had to go though basically training. from the month of XXXX through XXXX I didn't have my phone because of basically. my wife at the time wasn't an authorize user was trying to make payment but credit card Company was declining her payment causing them to have me have missed payment for those months. I contacted transunion about this issue to remove because the credit card companys wasn't taking my wife payment. I sent transunion a letter on XX/XX/XXXX and they received it on XXXX XXXX and failed to remove the missed payment on my account they even closed the case and told me to retype the letter and open a new dispute. This is interfering with my life.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-30
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: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting this CFPB complaint today to follow up the previous CFPB Complaint I submitted on XX/XX/XXXX. I also sent a dispute letter addressed to the Credit Bureaus on XX/XX/XXXX, requesting the Credit Bureaus to remove the following accounts : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; and inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. If the Credit Bureaus insist that the disputed items are mine, please provide me copies of proof of verification or documents bearing my signature to prove my ownership with the disputed items. Failure to deliver should result to immediate removal of the items from my Credit File.

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 2023-04-04
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated

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 2023-01-06
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2023-01-06
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: WELLS FARGO & COMPANY
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX I was charged an 11.04 % annual percentage rate and a XXXX charge of XXXX cents on a used XXXX XXXX XXXX XXXX. I was charged originally XXXX but it totaled XXXX in total for my used truck that had XXXX miles already. I also put XXXX as a down payment. I pay each month XXXX. 
The LII U.S. Code Title 15 chapter 41 sub chapter 1 Part C Subcode 1662 ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 
( Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/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