BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
The American Express portal showed me that I had 108,000+ Rewards Membership points available to use, obtained with my Amex Platinum credit card. 

Based on this information, I was led to believe that I was in position to transfer XXXX points to XXXX XXXX loyalty miles program, which would have allowed me to buy a flight at an advantageous rate. I thus canceled an existing reservation with another airline ( XXXX XXXX ) for a ticket worth {$700.00}, and proceeded to transfer the XXXX points to purchase the XXXX XXXX award flight. 

But when I tried transferring the points, at the very last page, when submitting, I was told that my account was under review and that the system would not let me use my points. 

I called American Express to solve the problem. They told me that the review could take up to 90 days. They also told me that I should not see my 108,000+ Rewards Membserhip points as being " Available '', and yet that's what the website displayed to me ( see attached screenshot ). 

Overall, this situation has led me to loose a {$700.00} flight, that I can not rebook at this rate. I had to go through the expensive process of buying XXXX XXXX XXXX miles for cash at a rate of 2 euros per 100 points. That is, I incurred an expense of about {$1000.00} to buy these points, while the Amex website misled me to believe there were available and made me cancel my other flight. 

One takeaway from this experience is that consumers should not trust American Express when their website claim that you have a certain amount of rewards point available. At any time, they can place a hold on your account, without notifying you, and without showing you anything on the portal, until you try to make a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Avid Acceptance, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2019 - late payment. XXXX from Avid acceptance called my job. I'm not allowed to have personal calls. I told her I'm not allowed to have personal calls. She tried to become aggressive with me before I could hang up. 

XX/XX/2019 - late payment. XXXX called my parents, and my parents told XXXX to stop calling them. 

XX/XX/2019 : late payment : XXXX called my office again. My office extension is broken, so I wasn't able to pick it up. So, my receptionist paged me. I wasn't able to get the call in time before the person hung up. About thirty seconds later, my cell phone rings. It's XXXX from Avid Acceptance. I asked her if she called my office, and she said yes. I told her to stop calling me, again. She then became  verbally angry and yelled at me " WHEN ARE YOU GOING TO MAKE YOUR NEXT PAYMENT?! '' Then, I hung up and created this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My issue is with XXXX ( website not working and costs $ $ $ ), XXXX ( costs $ $ $ ) and Equifax ( no security and insider trading ) for credit freezes.
My information was included in the Equifax hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: CITIBANK, N.A.
State: PA
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:
In XXXX of XXXX, I noticed a charge on my Citi Credit Card and subsequently file a dispute with Citibank to look into the fraudulent charges. The scammer then uploaded bogus documents, which showed a completion different address & name that is completely different than my name & my address on file. Nonetheless, the dispute was still ruled in favor of the vendor and I had tried to reopen this case for the past few years with no resolutions. There was even an affidavit signed by me on XX/XX/XXXX and there was no response since. Please see below for documentation of the interaction. 

I kept calling in every few months since and they have been avoiding & stalling with promises that it will be addressed but never does.

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 2020-09-03
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I Called Chime Twice About My Money And no one did anything. I told them I was robbed leaving work and I do not keep any passwords on my phone because of my XXXX XXXX XXXX daughter. So I clearly tell them someone stole my work bag where I keep all my important documents in to keep up with them. I even told them I couldnt log into my account and they say they sent me a new card when I never received it. I told them that someone was changing the information on my account. Like I told them multiple time and plus my mothers dead XXXX XXXX how the XXXX can they let anything slide I even sent them a picture of my ID And job form for my badge paperwork. These people telling me where I stay when Im telling them on my ID you clearly see it say XXXX XXXX XXXX XXXX XXXX I been staying In this House Almost my whole life. And I been banking with chime for too long. And this is not the first this happened where someone takes all my money from a bank I thought was safe for me but clearly I was wrong. And Its Like You Guys Do Not Care About My money. Like If I Was A White women my issues would have been resolved in no time and I know this but us being XXXX you guys think everyone of us lie, steal, or not work. But I do because I take care of my little siblings. I worked hard for all my money and for you guys to let that slide 3 times is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: GMA Investments, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX called from SummitRecievables and left a voicemail on my phone. He does not ask indicate who he is calling for. He is collecting debt. The call is harassment, any debt has to be mailed. Don't know who Summit Receivables is calling for, and the legitimacy if not providing paper documents.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: TX
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:
Someone tried to open up a Credit Card with XXXX XXXX XXXX XXXX XXXX under my name. 

I told XXXX XXXX that this is NOT me and to NOT open up that account. However, the Credit Inquiry is still open under my name and the Account is being reported to Equifax as an " Open Account '' under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
As a result of the XXXX breach, I 've been trying for days to request my credit report from annualcreditreport.com online. Each time, I have received a message "... can not be fulfilled online at this time, based upon the data provided. '' Today 's message included more information : " To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. '' The alternate solution was to request the information by mail. 

I did NOT want this private information delivered by mail because of frequent Post Office misdeliveries. So, I called the phone number provided and gave the exact information that I 'd given previously to get it online : Name, address, ss # and DOB. Given a choice of the three companies, I chose TransUnion. I assumed the next step would be for me to talk to a person and provide additional information to verify who I am. 

Instead, the auto-call abruptly ended with a message that my credit report would be mailed to my home in a few weeks! I am so upset that security is so lax with my personal information, and that I had no choice to opt out of them mailing it to me. I fully expected that whatever the glitch they detected in filing online would be resolved by the phone call and I would immediately receive the report by email. 

In addition to being one of those whose information was compromised according to XXXX, my detailed information is now being sent by snail mail, without the benefit of challenge questions. It 's irresponsible!

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 2023-03-30
Company: Affirm Holdings, Inc
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On Thursday, XX/XX/2023, at approximately XXXX hrs, I was making several payments online to Affirm. When I completed these payments instead of my account total balance being lowered Affirm applied upwards of {$2000.00} to my total balance of my account. I am afraid that Affirm is committing criminal fraud, by adding fraudulent total balance amounts to customers accounts. I immediately contacted Affirm, who did absolutely nothing to secure my account or correct the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions 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:
ALL 3 CREDIT AGENCIES VIOLATED MEDICAL PRIVACY ACT " HIPAA '' REPORTING FRAUD MEDICAL ACCOUNTS, OUTDATE AND NEVER DONE BUSINESS WITH MEDICAL PROVIDER, NOT MY ACCOUNTS

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 2019-02-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i requested that Equifax send to me documentation of items that they are reporting on my credit file and to do a proper investigation ( this was 60 days ago ) I requested copies of the documents with my signature verfiying that they are reporting on my credit file and all they sent me was a credit report with some of the items deleted. There was no investigation done other than them going back to the furnisher who orginally provided the inaccurate and unvalidated information. I explained to them that there is also someone with my same last name that they may be reporting on my file. 

THEY DID NOT DO A PROPER INVESTIGATION AND THEY DID NOT SUPPLY ME WITH THE INFORMATION I REQUESTED AND IT HAS BEEN 60 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My issue is with XXXX ( website not working and costs $ $ $ ), Transunion ( costs $ $ $ ) and XXXX ( no security and insider trading ) for credit freezes.
My information was included in the XXXX hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .

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 2022-11-23
Company: Self Financial 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act This account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment needs to be updated on all 3 reports consistently.

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 2023-03-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX  has violated my rights. 15 U.S.c 1681 section 602 A. States I have a 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 2023-03-30
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This loan was taken out fraudulently in XXXX I was sentenced to 4 yrs XXXX XXXX to Illinois department of corrections and didnt get released until XXXX. I spoke with merchant EDFinancial to get a validation of debt and have not received any info at all and was notified of the university as of doing bad business. I would like this removed from my credit and is so frustrating because they can not give any resolution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: WELLS FARGO & COMPANY
State: TX
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:
Account Name : WELLSFARGO Allege Amount Owed : {$1100.00} Status Of Account : CLOSED and reports late payments current Company Address : XXXX XXXX XXXX, XXXX XXXX, IA XXXX Account Name : XXXX XXXX Allege Amount Owed : {$5700.00} Status Of Account : CLOSED and report current late payments Both companies are violating my consumer reporting rights by sending information to XXXX with inaccurate unproven, un-verified, incomplete, untimely, not proven and in compliance. I requested information to validate the allege debt and it has been past the time frame from the requested information. By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently be removed from my credit report. 

I'm demanding that XXXX update the payment history to NEVER LATE/ POSITIVE PAYMENT HISTORY AND/OR DELETE THE ACCOUNT FROM 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 monetary relief
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently sent out a validation of debt letter one XXXX XXXX to Experian for reporting inaccurate information from this company that I have no knowledge of thats saying I owe them and that company which is XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: TX
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:
Due to your constant willingness to resit following FCRA and your choice to keep listening to the so called creditors. I am revoking your authorization to report the following accounts. Delete them immediately. They are closed accounts and the creditors have nothing more to do. I have a right to privacy and this order to stop reporting and delete is within my rights and directly concerns you the Credit Reporting Company.. 

XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX This is to be done by a person immediately. Allowing some automated verified response is foolish and dishonest. An actual human needs to delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX {$0.00} XXXX {$44.00} XXXX {$19000.00} XXXX {$270.00} XXXX {$190.00} XXXX {$3500.00} XXXX {$1700.00} CHAPTERXXXXBANKRUPTCYDISMISSED

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 2019-02-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon closing XX/XX/XXXX, my county taxes for XX/XX/XXXX were estimated to be {$1200.00}. A supplemental form was mailed to me for the correct acreage of my home, so the actual amount owed for my XX/XX/XXXX county taxes was {$1300.00}. 

I sent this supplemental *correction* form to my mortgage company and asked them to tell me what I should do with it. Instead of responding, they mailed a letter saying they'd paid the supplemental taxes. This was in XX/XX/XXXX. 

My Annual Escrow Account Disclosure Statement shows that ANOTHER disbursement for {$1200.00} was made for county taxes in XX/XX/XXXX, bringing my escrow to a negative amount of - {$1700.00} somehow. 

I have been calling and emailing and faxing this company for several weeks to no avail. I checked with my county tax assessor to be sure, only one payment was due and paid of {$1300.00}. 

My mortgage payment is due tomorrow and I'm very worried. I am continuing to call the company for help, but I never get the same explanation twice. I've been told they can't even see the escrow disclosure statement, and they've asked me to fax it over TO THEM, when they are the company who mailed it TO ME. I can even log on to my account and see the same form. No one seems to know what I'm talking about. Please help. 

My monthly payments have now gone from {$790.00} to {$940.00}, which will be a struggle for me.

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