BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In late XXXX as I was leaving my Delta flight at XXXX XXXX airport, I was approached by a XXXX employee who told me about a XXXX mile bonus offer from American Express. I applied on one of their computers at the terminal and was approved on the spot. I was told I would receive XXXX bonus miles after {$2000.00} in purchases in the first 90 days. A week later I received my card and started using it. 

I contacted American Express today to enquire about the bonus miles and was told I do not quality for that offer. American Express NEVER notified me that I did not qualify for the bonus offer. If that was the case, they should have notified me upon approval. They approved me for a card under certain terms, and now they are not honoring those terms. That is a FRAUDULENT, MISLEADING, DISHONEST business practice, very much like the infamous " BAIT AND SWITCH. '' It hurts me as a consumer to have opened one more  credit card account that I will not use. I was encouraged to open this account to receive the bonus miles. I complied, followed all the rules and now I am told I do not quality. 

To make matters worse, American Express charges {$100.00} per year for the card. This looks like a fraudulent business practice to get people to apply and pay annual fees. Please help me receive the XXXX bonus miles from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove 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 USDOE/XXXX  XXXX XXXX XXXX XXXX XXXX USDOE/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-01-21
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I request XXXX XXXX to update their records correctly on all three of my credit reports. They refused due to not being able to verify my identification. 

XXXX XXXX is ordered to remove all incorrect information documented in this report. If it is not removed within 14 business days of this complaint court actions will be taken : 1. Dismissed Bankruptcy XXXX XXXX. Duplicated Bankruptcy XXXX ( Dismissed Bankruptcy ) 3. XXXX XXXX, XXXX, XXXX 4. XXXX credit card XXXX charge off 5XXXX XXXX XXXX XXXX XXXX XXXX They are reporting XXXX  of XXXX I have not taken out any credit with this company. It is a collection agency. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( FRAUD ) All outdated information is 7 years and 10 years old. The Fair Reporting Agency does not allow information on the credit report which is not verifiable, which is not reported correctly, and which does not belong to me. 
All information documented on my credit report which is a collection agency violates my privacy according to the Fair credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
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: Information belongs to someone else

Complaint:
I have over XXXX inquiries on my credit report that were not authorized by me. Inquiries and dates listed here after that need to be removed. 
XXXXXXXX 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 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 2017-08-24
Company: Amsher Collection Services, Inc.
State: NJ
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:
On XX/XX/XXXX, 2017, I spoke with Amsher to dispute the XXXX account. I explained to the manager that I did n't owe {$1000.00} to XXXX and that I had never received the itemized bill proving to me valid charges. The supervisor said that she would file the dispute with XXXX and make sure that they send alleged charges to me. She also stated that I would not be reported to the credit bureau. Instead I was reported to all bureaus without a thorough investigation of the charges. I do n't owe XXXX {$1000.00}. Please have them remove this item from my report. 

In that same day you send me a notice telling me you could n't serve XXXX. I advised XXXX the manager that I file a complaint with your office but it could not be served On XXXX. She advised me to give their address. The same day, after being told it would be investigated, they put it on my credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: PENTAGON FEDERAL CREDIT UNION
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:
I got a consolidation loan from PenFed back in XX/XX/XXXX. I missed quite a few payments on this loan but applied for a hardship application and had my missed payments bumped to the end of the loan. In XXXX I went with a Debt Consolidation company to pay off my debts. I was told that once I went with this company I can no longer make payments straight to Penfed and that those payments would have to come from the company and my previous agreement with Penfed is now terminated. I didn't stay with that company long but made an agreement with Penfed that let me keep my payments at the lower payment. Long story short I have been making {$500.00} payments since XX/XX/XXXX. My balance since XX/XX/XXXX was {$23000.00}. Today my balance is still {$23000.00}. I have missed quite a few payments during that time but for almost the last XXXX years I have made my payments on time and nothing has changed. I don't know how this is possible. When I look at my statement my payments are going to finance charges and the insurance debt protection. Which was canceled back when I went to the debt consolidation company. Some months my payments goes to just finance charges other moths it goes to finance charges and this insurance, I don't understand for the life of me how none of my payments are going to the principle.

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 2017-04-20
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
XXXX   XXXX ,    2016,   XXXX   XXXX  credit card deducted  XXXX  allotments from my military retiree pay.  XXXX  in the amount of {$74.00} and  XXXX  in the amount of {$67.00}. AAFES applied the {$74.00} to my balance, but to date has not applied my {$67.00} payment. AAFES has ignored every attempt to correct this situation. I have sent them a certified letter with documentation, called them and even filed with The Better Business Bureau. AAFES has ignored my certified letter, the BBB complaint and my phone calls. If they had applied my {$67.00} my account would have possibly never been sent to collections. I want my {$67.00} plus interest applied to my account. And if the {$67.00} would have been applied I would not have been 3 months behind. I am still paying on this account, I do not intend to ignore my obligation. I contacted AAFES and let them know I was out of work  for 6 weeks  due to a broken ankle and that caused financial issues, but they did not care. That spiraled my delinquency.

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 2022-01-21
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a XXXX  XXXX ' XXXX XXXX XXXX in XXXX 2021, was approved. The card was sent to me. I used it a few times, spending approximately {$1800.00}, paying off each charge before the due date. It was a card that gave you grocery store rewards for every dollar spent. I have never received the rewards I was entitled to. In XXXX I tried to use my card at a XXXX XXXX XXXX XXXX grocery store, it was declined. I called US Bank, they informed me my account was closed, because they suspected fraud. The person I talked to told me they could not determine WHERE I was getting the money to pay my bill. They couldn't prove my checking account was actually mine. I have had the same checking account at the same bank for over 15 years. US Bank informed me I needed to send them my bank statements to prove it was my account. I called my bank, they informed me NOT to send them bank statements, that they could either have a three-way phone call with US Bank to verify my account, or they could write a letter and confirm my account. I had them write a letter. I took it to a US Bank branch, met with a banker, who faxed my account info. to the " verification dept. '' this was over a month ago. They sent me no further correspondence, no decision, no reply whatsoever. I am extremely unsatisfied with US Bank. The people I have spoken to have been extremely unprofessional, unhelpful and very uninterested in helping me resolve this situation. I have never been forced to send bank statements to a credit card company in my life! I asked the US Bank rep. to ask them why this happened. They think I am using someone else 's bank account to pay my bill!! This makes no sense! They informed me I could have them reopen my account if I sent them the information and they " did an investigation ''. Now if I go on the website where I used to pay my bill, ( the credit card 's website ) my account no longer is even listed, since I owe them no money.

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 2019-12-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I got hired by XXXX XXXX XXXX to work for a client called XXXX, upon getting hired they gave me a payroll card from 'XXXX XXXX XXXX ' I only worked for them for 3 hours due to the fact that I thought it was not going to be a good fit for me. I received my wages like normal and decided to find another job. That same week i found another job and decided to use the payroll card to receive my direct deposit. To confirm I called 'XXXX XXXX XXXX ' to ask them if I could use this payroll card for a DIFFERENT employer, they said yes but that I must first upload my documents because apparently they had a different date of birth on file. So on XX/XX/2019 both my deposit went through like normal AND I also uploaded my documents which are A ( IL Driver 's License ) B ( Birth Certificate ). To confirm they had received them I called them on Monday, XX/XX/2019 they ( XXXX XXXX Customer service department ) stated they had not received any documents and that to give them a call back the following day. As XXXX was approaching I became anxious and so I immediately called them back on Tuesday the next day, they told me the same thing, no documents have been received. I was told to give them a call back on Thursday or re-upload my documents but I told them that is not a good option as their website XXXX already SHOULD have my documents and thats sensitive information to be putting out on the internet like that, exposing me to fraud. So essentially they have been unfair in my opinion and unprofessional because of the amount of time its taking and the promises they have made like gives us a call back tomorrow type of thing its getting annoying to deal with them when they keep telling me to just give them a call back and hopefully it gets resolved which it hasn't. My account is locked and without a date in which I can start to use it again. Also they refuse to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$320.00}, XXXX XXXX XXXXXXXX Balance {$820.00}, XXXX XXXXXXXX Balance {$150.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I applied for a Credit Card from XXXX and tried to log into the app and was told I already had an account, which is impossible cause I've never applied for a Chase card or opened a Chase bank account. The checking account was opened on XX/XX/20. I called the XXXX customer service and they confirmed yes indeed someone has all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: IN
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 IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
CAPITAL ONE IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
Yes this is a complaint against cash at by square, I have a cash app card The last 4 is XXXX, and on this card I locked it then I ordered me a person green card I was charged {$5.00} and some odd cents for this card by cash out by square, when it came to activate this new card cash app wouldn't allow me to activated. 

Then I've been writing customer service, too fix this problem, Cash up a taxi for front and back copy of my identification state of New York a my bank statement in according with my bang I sent it to them with all transactions in the balance of my money blacked out except my home address and the last four digits of my account number because my bank XXXX XXXX Does not Trust cash it but it's square or Square, Because four reasons that a lot of there customers was complaining about this to Cash App by Square. Due to the fact that cash app has been hacked on numerous occasions that I agree with my bank and a friend of mine 's that works for New York State Department of Motor Vehicle better known as DMV, Said I shouldn't send them my front and back of my driver 's license because this is help if of identity get started especially a company called Cash App by Square. 

All I'm trying to do please get my new cash app card activated and have no more problems with these people at Cash App. Now they're asking me to send it again from the back of my identification and bank statement. Which I said to them 1 2 3 I believe up to five times and they avoided and they still playing their little games then they gave me a number to call I called the number and they we're mad because they've been sending a lot of people to call their number and they're the people that handle the transactions of transferring the monies and all this they complain about how cash at by square likes to beat around the bush and play their games with their customers and given their this company 's telephone number out what they have nothing to do with cash out all they do is have them the transfers. 

I wish you guys could access my chat but I'd be more than happy to screenshot them and attach it when I hear something back from you guys all I want is my card activated or my money that they're kidnapping or stealing sent out to my bank card that's on file. 

I would like to thank you for your time and I tindly wait for your response. 


XXXX and XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX and # XXXX, XXXX / XXXX 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 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 2022-04-07
Company: EQUIFAX, INC.
State: OH
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 an account on my Equifax report that is with XXXX XXXX. The account is listed as follows : Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner JOINT Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name XXXX is reported as " closed '', but it still reporting a monthly balance, etc. This is inaccurate. The account is also opened as a result of fraud. The account was opened while I was away XXXX XXXX There was no way I could have opened the account. I was XXXX XXXX for the period the account was first opened. Please check the attached documents and remove the account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Capital One Bank is violating 12 CFR 1026.13 ( d ) ( 1 ) and the Official Staff Interpretation in Comment 13 ( d ) ( 1 ) -3. The Bank posted TWO fraudulent charges to my account on XX/XX/XXXX & XX/XX/2019, totaling {$1500.00}. I reported the fraud on XX/XX/XXXX. Both merchants agreed it was fraud and that it was a mistake to charge my account because I was not their customer. Both merchants wrongfully used my credit card number that the same customer had orally given to them without the card or any identification. So there is no merchant dispute. On XX/XX/XXXX Capital One issued a periodic statement for the XX/XX/XXXX billing cycle that included BOTH fraudulent charged. By XX/XX/XXXX, Capital One had not removed the charges or issued a credit, so I mailed a written request. On XX/XX/XXXX, the Bank issued 2 credits in the same amount as the two fraudulent charges, but the original charged remained on my account. On XX/XX/XXXX, I had 2 conversations with 2 different Capital One employees -- and both of them said I am required to pay the fraudulent charges of {$1500.00} on the payment due date ( XX/XX/XXXX ) and if I fail to do so I will be charged interest on both the disputed charges and undisputed charges because there will be a balance due on the account. Their rationale was that I must pay them temporarily until the " Credits '' are applied in the NEXT billing cycle in XX/XX/XXXX. This violates TILA and Reg Z, 12 CFR 1026.13 ( d ) ( 1 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21
Company: CCS Financial Services, Inc.
State: NJ
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:
XXXX are sharing all my Personal and Confidential information with other companies with out my permission or consent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation