BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: Frontline Asset Strategies, LLC
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:
I am a consumer, and I am fully aware that Frontline Assett Strategies has violated my protected rights by furnishing an inaccurate account to Consumer Reporting Agencies without my explicit consent. As of XX/XX/2022 I have noticed that Frontline Assett Strategies began furnishing a consumer report on my behalf claiming that I allegedly owe Frontline Assett Strategies {$2600.00} which has caused a significant decrease on my consumer report. I have never provided Frontline Assett Strategies any written instructions to furnish anything on my behalf, I have never given Frontline Assett Strategies consent to share my non public personal information, nor have I ever received any initial communication from Frontline Assett Strategies which covers the requirements of 15 USC 1692g. As a result of it trespassing upon my protected rights, I have been significantly damaged as my character has been defamed and my XXXX XXXX has decreased which is causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as I am unable to receive housing due to the decrease in my XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage through U.S. Bank. I am a victim of Hurricane Ida. U.S. Bank is refusing to release the money from my insurance company that I need in order to make repairs on my home. To date, they have only released approximately {$40000.00} and are refusing to release the remaining {$28000.00} - I have over {$300000.00} in damages. They have intentionally misdated letters I sent to them to avoid violating their own deadlines. I have sent them numerous invoices and proof of payments they requested ; each time they mark them as inactive to pretend they haven't received them. Each and every time I call, they allege that they have received no documentation that this is a partial settlement ; my attorney has sent them the same paperwork requested on three separate occasions now. On XX/XX/XXXX, I was finally introduced to their portal, and was told to upload all of my documentation along with a letter requesting the release of remaining funds. I immediately did as instructed ; they marked the letter as inactive. I resent the request on XX/XX/XXXX ; they moved the received date to XX/XX/XXXX, acknowledged it was a letter requesting the release of funds, then moved it to inactive. I resubmitted the same letter again on XX/XX/XXXX ; again it was moved to the following day. When I called, I was told that they have two business days to make a decision. I called and they told me they hadn't received the results of the VIRTUAL INSPECTION they performed on my roof- the one where I walked around on the ground around the perimeter of my home while they snapped pictures- so they couldn't release the funds. I called the next day and was told they would escalate it to a Supervisor. I called again on XX/XX/XXXX and requested to speak to a Supervisor ; they put me on hold for over an hour and refused to allow me to speak with someone. Every time I call, they make up some new excuse as to why they continue to hold onto my money that they're accruing interest on. Their failure to release the remainder of funds is causing additional damage to my home.

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 2021-07-07
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had opened a Citi priority checking and savings account on citi 's website following a promotion link where it was stated that if I open the Citi priority account and maintain a combined balance of {$50000.00} in both of my accounts for 60 days, I will receive a cash bonus of {$700.00}. 

I followed all the terms and conditions of the account and maintained the required balance however Citi is now refusing to honour the cash bonus of {$700.00}. 

After opening my account, I followed up with their customer service to confirm that if I have met all the criteria for the bonus and they did confirm that I have met the criteria and I should receive my bonus by XXXX XX/XX/XXXX. I have screenshots of my chat conversation to prove the same. 

I have contacted Citi bank customer service via chat and phone calls several times since then and every time they tell me different things. They rejected my first dispute stating that there was no promotional code attached to my account. The second dispute was rejected stating that the promotional code I had provided to them ( which was the code given to me by their own customer service rep over the phone ) is not valid. The third time, I was told that they will attach a new code to my account and I will get the bonus once the respective department reviews the code details. However, I have still not heard back from them. 

This has been ongoing for several months now and now Citi is telling me that I need to produce a letter stating that I opened the account under that promotion. Since I had opened the account through their online link, I do not have any specific document stating the promotion conditions. I have explained this to them several times but they have still not given me any satisfactory responce. 

Citi has held my funds of {$50000.00} since XX/XX/XXXX and after so many months they are now telling me that I am not eligible for the bonus. 

If this was the case, why didn't they tell me about that when I enquired with their customer service. I was being lied to by their customer service. 

Since I am not getting positive feedback from Citi, I am registering this company with your department hoping for a positive outcome. 

I will appreciate it if you can please help me in getting my bonus cash reward. 

If you need any other detail in order to process my complaint, please let me know. 

Many thanks 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 monetary relief
Consumer complaint received 2023-02-09
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I used my XXXX XXXXXXXX XXXX Bill Pay service to pay American Express because using the AMEX would not be processed properly and I would be charged late fees or the payment wouldn't go through. 

The Tracked Payment to AMEX was rec 'd on Friday, XX/XX/XXXX for a payment due on XX/XX/XXXX. AMEX did not process the payment until Sunday, XX/XX/XXXX, and then charged my {$20.00} in interest and a {$29.00} Late Fee. 

This isn't just dishonest. It's lazy. AMEX cares so little about my business, that they have repeatedly punished me for paying my bills on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX XXXX Balance : {$8.00}

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 2023-11-17
Company: Global Lending Services LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm have been denied for every single credit I've applied for, my credit score from XXXX is not right. Every credit union, Bank what ever all say no, I understand that I have no credit but I'm being turned down by every one and it's discouraging I have... well had a job but car broke down applied for loans but was denied due to the number of inquiries but there all for one thing financial help so I didn't lose my job which I did anyway because my credit score and Discrimination. Each time I get denied it says that my credit score played no part in their decision but says my score reflects a number between XXXX to XXXX not saying what's a score they can work with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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:
Three Fraud accounts and Inquiries appearing on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
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 fair credit reporting act this creditor has violated my rights. 

Under 15 USC 1681 sec 602 : States i have rights to privacy.

Under 15 USC 1681 sec 604a sec 2 : States a consumer reporting agency can not furnish any information without my written consent. 

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

THE FOLLOWING ACCOUNT FROM XXXX XXXX ACCOUNT NO. XXXX SHOWED THAT I WAS LATE 30 DAYS IN XX/XX/2021 WHICH IS IN ACCURATE.

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 2023-05-16
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
my venmo account has been telling me my account is suspended since XX/XX/XXXX. yet i haven't done anything that goes against their terms. i was paid {$860.00} on XX/XX/XXXX and venmo will not let me transfer the money to my bank. when i try to enter my bank yo transfer it just says " there was an error '' i have contacted them for the last few days and they email me back with emails on why my account could be frozen and that is all they have done for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have made multiple calls to Credit Acceptance at XXXX to obtain the release of a lien on my deceased mother 's car. She died in XXXX and I have provided them with her SSN, the letters Testamentary and my appointment as executor from the Court in XXXX. The car was paid off many years ago. My mother 's name was XXXX XXXX. XXXX, and the account number was provided by Credit Acceptance as XXXX. 
The company called me in XX/XX/XXXX while I was out of the country, and and said they were mailing the lien release. It did not arrive, even though they had my address. When I contacted them after the first of the year, they claimed to have mailed it to my deceased mother 's address ( the  family sold the property and we do not receive mail there. ) Then On or about XX/XX/XXXX, Credit Acceptance promised to mail the item to my address in XXXX, VA. When it did not arrive by XX/XX/XXXX I contacted them again. They admitted sending it to an incomplete address in XXXX. I called them the next day and provided a fax number. They company alleged they sent the fax on XX/XX/XXXX at the end of the business day. They did not provide a confirmation number, and the fax was not received. This is causing a real hardship, because without the lien release, I can not sell my deceased mother 's car. 
I think this company is engaged in deceptive practices and they have been provided sufficient information to comply with my request on multiple occasions. My auctioneer who sold my mother 's personal property also had 0 success dealing with Credit Acceptance. At the time of her death my mother was XXXX and suffered from XXXX. There is no way that any person with any kind of impairment ( or even without impairment ) can get this company to provide requested information even when all the necessary information is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

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 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a credit card with Capital One on XXXX XXXX, XXXX  and recently in the past month I have attempted to close the account. I thought it was closed and paid off in full however a few days ago I was informed there were a few charges that came through either before I submitted to close the account or shortly thereafter which amount to less than {$50.00}. Instead of contacting me that I had these fees they only let me know after the payment date and attempted to keep the account open charging various fees which amounted to almost as much as those on the account. I paid the remaining balance in full but they are refusing to remove the fees or completely close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: Prosper Marketplace, Inc.
State: MS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am requesting assistance from Prosper in reversing the charging off of my loan. I was actived for military duty from XXXX to XXXX and was in a remote area with limited ability to make phone calls due to my XXXX XXXX and the fact that I was in a XXXX XXXX XXXX 

I emailed Prosper to let them know that I was on XXXX XXXX and to request to update my payment method via email since I had limited ability to call. They declined and insisted that I call. After returning from XXXX XXXX, I called to inquire about my account and was informed that my loan was charged off in XXXX. Despite me informing them I was XXXX and that email was the best way to get in contact with me, I received no notifications about my account being charged off via email. During the call after my XXXX when I found out about the situation, I requested that they reverse the charge off and they refused. I appreciate any help that the CFPB or Prosper can provide in reversing the charge off and letting me to resume payments. My military XXXX caused a number of hardships for me and now I have to worry about a charge off on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: TX
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:
These Credit Reporting Agencies have refused to give me an updated report despite my requests, They continue to report old and unverified information on my report even though I've sent compliance letters to them on numerous occasions to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Roach & Murtha, P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Roach and Murtha PC were sent registered mail disputing a debt and a request to cease all communication until the debt is verified in writing. 2 days after their receipt of the letter their office made multiple attempts to contact me from XXXX without having verified the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Had my first mortgage with Nationstar XXXX. I refinanced my home second and first into XXXX new loan with a new company. Nationstar would not send me my refund of my escrow payments. I contacted them 9 times, each time I was told the " checks been sent '' and " we can reassure you the check has been mailed. '' They escalated my refund up to a supervisor three times and I still had to call regarding my refund check. Today was call # XXXX and again was " reassured the check has been sent via overnight by XXXX ''. Absolutely ridiculous company to work with and completely inefficient customer service and supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: HYUNDAI CAPITAL AMERICA
State: PA
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:
Account info Account name HYUNDAI CAPITAL AMERICA Account number XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B

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 2023-01-19
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation