BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
I opened the account in XXXX. The welcome bonus associated with the account is XXXX membership rewards points after spending {$5000.00} within 6 months of the account opening date. I have met this spending requirement in XXXX, but haven't received the points so far. 

As such, I've filed two complaints on CFPB regarding this issue. In the responses from American Express, they mentioned they would issue the points/rectify my account as they fix an internal issue, which is the reason behind the delay. They also confirmed that I've met the spending requirement. 

However, I learned from an online representative today that the spending requirement was not met, and the majority of my spending was considered unqualified. This is shocking, and is against the info provided in the responses from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Subject : Reopening the case # XXXX Bank of the West/ BMO converting my ROTH IRA to Traditional IRA and not taking responsibility or offering a remedy.

The Bank of Wests reason for not offering a remedy to their mistake was I should notice their mistake within 60 days and ask for correction.

This was not applicable to my account due to Bank mailing statement once a year. By the time they mailed to me my first statement, it was 12 months later.

Every Statement they sent shows after my name BANK OF THE WEST AS CUSTODIAN, and I paid a monthly fee for each IRA account.

They were the custodian, they are responsible for their mistake.

The Bank of the West has very sloppy works need to be investigated.

I have found 4 IRA investment forms provided by Bank of the West all of them have an error : these are re-investing forms belong to 4 different accounts but somehow they all show same account number. It looks like I reinvested same account 4 times, with 4 different terms, 4 different interest rates within 1 month.

The Bank of the West need to be investigated for their incompetency to find out how many senior citizens were not able follow up on their investment or trusted to Bank of The West were harmed.

Their incompetence is not limited to my 2 findings, I am pretty sure there are many more. 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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: Aargon Agency, 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: Information belongs to someone else

Complaint:
I recently checked my credit and notice this company has placed a collection on my credit. I have no knowledge of this company or even had an account with the original company which is XXXX. I called to confirm with XXXX that my name was not on my husband electric bill because my husband has been taking care of this bill for over 12 years. They confirmed that my name was not on his account. I called the Aargon Collection Agency over 12 different times and once I gave my personal information they hung up the phone on me. I have recording these incidents with the witness of my attorney. 
I was a victim of Identity theft years ago and noticed upon my release from prison that my personal information had been compromised. Two long years of proving the accounts did not belong to me they were finally removed and now this is happening. I have kept all of my passwords and personal information very safe so I'm not sure how this came about but I'll love for someone to please help me. After years of prison and changing my life this is a step back for me especially because this isn't my debt. Please help me Aargon Collection Agency XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX NV XXXX Report Number with XXXX XXXX Date Submitted XX/XX/20XXXX 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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting 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:
I dont have a credit file or score and or debt that exist with all the major credit bureaus. So no one is able to verify my social security number or credit worthiness etc. its causing me trouble being 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 explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 non-monetary relief
Consumer complaint received 2023-06-30
Company: U.S. BANCORP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Please process my following letter as a complaint against US BANK. Please investigate the issue and provide me with copies of any responses you receive. Thank you for your attention to this matter and all that you do for consumers alike. 

Re : Dispute of alleged deficiency balance ; Account # : [ XXXX ] Dear US BANK : You are reporting and attempting to collect an alleged {$3900.00} deficiency balance. Please be advised that I dispute the legal validity of the alleged deficiency balance. Verification of the alleged debt is requested, specifically, a copy of all signed contracts with the original creditor and all legal notices sent on this alleged account. You are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, you have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting. Promptly request deletion of all any credit reporting to credit reporting agencies. Write or email me once to confirm your compliance with my demand within 14 days. This letter is as a complaint to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this issue and receive any related information. If you fail to comply with this letter, I may turn the matter over to an attorney or sue. 

Sincerely, XXXX XXXX XXXX SSN : 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated Metro 2 Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. As per XXXX  XXXX, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.

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 2019-11-20
Company: Lamont, Hanley & Associates, Inc.
State: SD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got car insurance for 1 month, it cost me XXXX , I canceled the very next month because of how expensive it was I went with a different company. The company XXXX XXXX XXXX XXXX, in XXXX, sd, sent me to a collection agency saying I owe them XXXX $ -- -Lamont , Hanley , & Associates , Inc. XXXX XXXX XXXX XXXX, NH. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I received an email from Chime stating that the phone number associated with my account had been changed to ( XXXX ) XXXX a phone number and email address were provided if I did not request the change. I emailed XXXX and stated that I never applied for any Chime products. Next, I received an email from XXXX at Chime saying Welcome to your new account stating that they were personalizing my new Chime XXXX XXXX XXXX and would be sending it out in a few days. Next, I received an email stating '' Your XXXX XXXX application is almost complete. 

When I emailed the support address to explain that I never applied for a Chime product, I received a response stating that they could look into it if I would upload a copy of my government ID to the secure link provided in the email. 

I did not communicate with them further. This morning, I received a voicemail message from ( XXXX ) XXXX claiming to be the fraud department at XXXX Bank, my regular bank. 
I did not respond because that is not how XXXX Bank Communicates problems. I have sent a secure message to XXXX 

I suspect that all these communications are an attempt to defraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender : Cardinal Financial NMLS ID XXXX The lender repeatedly fails to calculate, collect, and apply escrow payments. In XX/XX/XXXX : I received a letter alerting me to escrow funds of ~ {$1500.00} being held with a third party as part of the loan transaction. I worked with this company to try to get these funds to the lender/servicer. Cardinal financial would not take receipt of the funds. 

XX/XX/XXXX : I received a summons along with a lien threat from my municipality due to lack of payment of taxes that should have come out of the escrow account held by the server by law. Servicer refused to pay taxes out of my escrow. I promptly paid the taxes ( ~ {$5700.00} ) so as not to incur a lien on my property. 

XX/XX/XXXX : Cardinal erroneously paid the tax bill. 

XX/XX/XXXX : Cardinal erroneously double-paid the tax bill. 

XX/XX/XXXX : Cardinal gets refunded ONE of their erroneous/duplicative payments. Increases my escrow payments by {$1000.00} per month to cover their shortages. 

XX/XX/XXXX : Cardinal realizes they made erroneous payments. Is unable to explain what my escrow payments will be going forward while demanding the erroneous additional {$1000.00} be paid AGAIN. 

No relief. No explanation. No end in sight. THIS IS XXXX. They've been floating {$10000.00} of my money for 8 months and are too incompetent to account for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting 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:
I received a credit alert that Capitol One pulled a credit report today, XX/XX/2023. I have not authorized Capitol One to pull my credit report NOR have I applied for a credit card or loan from them. 

I've called all three credit report companies : XXXX, XXXX, and XXXX to freeze my credit reports and to report the fraud. 

I called Capitol One who said they don't have a credit card open in my name or social security number. I asked why they pulled my credit report. They said they had no idea and that I should alert the credit reporting agencies. 

The credit agencies tell me I need to have Capital One send them a report that says it was unauthorized so they take this off my credit report. 

This is a circular issue, and I need the action to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: Netspend Corporation
State: NY
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:
On XX/XX/XXXX I tried to log into my account online and notice that my account was locked. I then contacted NetSpend ( Skylight prepaid card ) and was informed that my account was locked because of suspicious activity on my account. After giving them personal information they allowed me to review my account. Upon reviewing my account I found that {$3500.00} was taken from my account over a four day span ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). I inquired why they did not notified me that my account had suspicious activity. She had not answer. We than submitted a dispute for the money taken from my account. They also issue me a new debit card. However no one from the dispute department reached out to speak to me and I continue to call and try to speak with the dispute department and all I get told is someone from the dispute department will call me in 24 to 48 hours and they never call. On XX/XX/XXXX I get a letter informing me that the dispute has been investigated and they found no errors and because I did not changed my pin when they send me a new card the investigation is close. I continue to call them trying to speak to the dispute department only to be told that some will call me back in 24 to 48 hours. The last time I called was on XX/XX/XXXX and to date no one has returned my call. I need assistance getting my money there was 26 ATM withdrawal from my account and not from location that I normally go to. There was also on transaction of {$25.00} paid to XXXX XXXX on XX/XX/XXXX this they returned to me on XX/XX/XXXX. The card Netspend Visa Prepaid Card is issued by XXXX XXXX XXXX, Member FDIC, Pursuant to a license from Visa U.S.A. Inc.

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 2022-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive sent numerous documents proving that the incorrect account werent mines due to fraud. And theyve repeatedly ignored my claims and my request to have those incorrect items remove. Ive also included a police report backing up my claims and theyve continued to ignore me and not follow the proper protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Letter to Remove Inaccurate and Unverifiable Consumer Information To Whom It May Concern : I received a copy of my consumer report and found the following transactions to be in error. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Erroneous account direct violation of 16 CF 444.4 Late ChargeXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Erroneous Account Direct Violation of 16 CFR 313.6 - Information to be included in privacy notices. 
XXXX XXXX Account Number : XXXX Please remove account from my credit report. 
4. Erroneous Account Direct Violation of 16 CFR 313.9 - Delivering privacy and opt out notices. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Dates last active are inconsistent and inaccurate across CRAs XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Date of Birth : XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX 9. The following personal information is incorrect Employers : XXXX XXXX 10. Credit Reporting Agencies are in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S. Code Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my consumer report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief