BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I just opened up my XXXX  Checking account and I just found out I have to wait two days for them to unlock my account and then I was transferred to the fraud department and their recording said they are closed. This is unbelievable. I just cashed my cashiers check at the bank for XXXX. I have made arrangements and have bills to pay. I dont understand why they wait till the end of the day to lock my account up leaving me with no access to my money and no answers. Is this how our banking relatiionship is going to be then I do not want my money at US Bank. I can not be going through this. How the bank just says oh wait a couple days for them to review it and unlock it or not. Are you serious. Either someone needs to call me back and provide me access to my account or I need to have this account closed and take my business to a bank who can be customer focused and more professional with me. So here I am left with all my money tied up the same day they made it avaiable to me. I am hoping this is a mistake and someone will call me back and fix this right away. My account number is XXXX. My social security is 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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Credit Reporting Act, this creditor has violated my rights Under 15 U.S.CC 1681 sec 602, which states I have the right to privacy. 15 USC 1681 SEC 604 A SEC 2. it also states a Credit Reporting Agency can not furnish an account without my written instruction. Under 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Late 30 Days )

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 2021-08-12
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I have had a traditional XXXX AMEX card since XXXX. I have received many offers over the years to upgrade to the XXXX AMEX but due to higher annual fees and other issues I have never upgraded. In XX/XX/XXXX I received an offer through my online account to upgrade to the XXXX AMEX Card. It was an automatically approved upgrade so wouldn't result in a credit pull and the promotion that got me to upgrade was {$1000.00} spent in the first 3 months of the upgrade would get me XXXX Membership Rewards Points. Since I knew I was going to be purchasing a new laptop I thought this was a good deal and decided to upgrade. I even have a transcript session with AMEX live chat where I confirmed the specifics and when I had to complete the {$1000.00} in purchases by. I completed well over {$1000.00} in the three month time frame but my Rewards Points have not been added to my account. It has now been two months since the purchase and I contacted AMEX last month to find out the status. The agent said he could see the live chat confirming the details and that he could see the promotion, but for some reason it didn't show it had been earned. It was pretty simple - spend the amount in three months and get the Rewards Points. So he was sending to the back office. But he said that could take well over a month for review and I was responsible for getting back to them. I have never heard back or gotten the points. In the meantime I have been reading complaints and reviews and see that AMEX has an apparent history of not following through on promotions - even when it is clear they were earned. There are all sorts of people that received financial payouts because they never got their points for promotional offers and closed their cards - AMEX just saying it was a glitch in their system. Shame on AMEX. A card with a reputation of being only for higher credit scores and loyal customers - yet they don't follow through on their own promotions. I had to pay a higher annual fee for this card which I wouldn't have done had I known they were not following through on the promotion. That is all I want - my promised reward points. And maybe a few extra for the time and effort I have had to devote to trying to get them. The XXXX XXXX XXXX is a beautiful card - let 's just hope AMEX can come through on this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX, at XXXX at Capital One ATM XXXX, XXXX, TX, I tried to withdraw {$500.00} of mixed accounts {$100.00} XXXX $ XXXX $ XXXX $ XXXX Total {$500.00} The ATM stated on the screen it was dispensing cash, but nothing was coming out. I tried to cancel transaction at that point. Something flashed on the screen about an error. Then a receipt printed out that the money had been withdrawn. I went into the branch to let them know. They said I had to call the number on the back of my card. I needed the {$500.00} for a specific project that day so I went ahead and got it out of the ATM in the lobby and proceeded to call the number. I later went back to the branch and they said that an ATM audit was done. They assured everything would be okay and usually it takes less than what they say it will take. I called the number again on the back of my card and they said they were waiting for the branch. I asked more questions at the branch and they said didn't have anything to do with that ATM. It was serviced by XXXX. I called the customer service today and asked about the number of XXXX and I couldn't get it. He continued to say they are waiting for the branch and then he asked if I could get a provisional credit from the investigation team. They told him no, I have banked at Capital One formerly known as XXXX XXXX Bank since I was XXXX XXXX XXXX. Not to be able to talk to anyone face to face ( like back in the day customer service ) and not getting real time results such as immediately reviewing the video and checking the balance of cash in ATM, etc with an audit is disheartening to have to continue to wait or not " trust '' me with a provisional credit. I have had a direct deposit coming into that account from the same place for 8 years and banked there for over 30 years. I haven't received an email or letter that there was an investigation or any follow-up. On another side note, the day before I went into the branch to take out {$500.00} for the same project which I shouldn't have to explain. It is my personal account. The lady directed me to the inside ATM instead of the teller and I had driven across town to go inside in the first place. We only have one branch and three ATMs in XXXX. I really don't like to get that large amount of money out of a machine. I needed to go to XXXX XXXX XXXX  for our summer program on the day of the XXXX, the day my {$500.00} did not come out. XXXX XXXX XXXX is right beside the branch. So I knew the lady would point to the ATM as she did the day before when I walked in so I decided just to drive through and that is when that stupid machine didn't give my cash back ( XX/XX/30 XXXX ATM XXXX TX XXXX XXXX that is still in dispute as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Shellpoint Partners, LLC
State: TN
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:
pripr complaint filed with CFPB on XX/XX/XXXX and New Rez responded on XX/XX/XXXX, CFPB # XXXX, copies of documents to be attached. 

NewRez increased my mortgage payment in XX/XX/XXXX by almost {$500.00} due to a computer error on their part where my tax bill was doubled. I paid the bill the first time then called to find out why my payment jumped so much. I was told the computer erroneously doubled my tax bill and a request to fix it was made by Customer Service. i received new escrow analysis and it wasn't fixed so I called again at the end of XX/XX/XXXX. Customer service told me to call back in a week or so to see if it was fixed as she sent another very specific request to correct it. I called back In XX/XX/XXXX, the correction still hadnt been. New Rez 's agent told me to just pay my normal payment, less the incorrect extra escrow of almost {$500.00}, as she also sent in a request and it should be fine. New Rez received the money but did not apply it to my payment and just held it because i didn't pay the extra {$500.00}, which was an admitted mistake on their part. i did pay an extra $ XXXX+ in XXXX even though i was told the escrow problem had been fixed but the computer would not accept the change until the following month ( again ... their mistake and computer issue, not mine ). I complained and they sayed they would not send derogator info to my credit bureau reports in the XX/XX/XXXX letter and showed that they hadn't. this loan was then paid off in full at the end of XXXX XXXX amazingly, now, which is 2 months after their letter and 1/1/2 months after this loan was paid off prior to the next payment being due, my credit reports are just now showing derogatory statement from New Rez that I paid my payment 30 days late. i DID NOT pay my payment 30 days late, they held my payment. they expected me to keep paying {$500.00} extra per month due to their computer error doubling my tax bill even though they admitted they made a mistake This is not fair and fraudulent practices. I believe they are only now reporting this info as a punishment to me for filing a complaint against them with CFPB. I want this derogatory information removed immediately as this is impacting me refinancing at a cheaper rate.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, 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 was a victim of identity theft and I made sure to inform all credit bureaus and add a statement that no credit should be obtained till I get a phone call. I also submitted a copy of a police report and FTC report. All major credit bureaus helped deleting inaccurate information except EQUIFAX. They made this process impossible and after a few disputes, the process is always verified and nothing can be done to make them really reinvestigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit 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, or around, XX/XX/2023 I purchased a XXXX fitness watch which was advertised as fully refundable from the XXXX website. I returned it within a week and within XXXX  days or so I received notification that my refund had processed. The refund has not shown up on my credit card and in fact my card balance continues to reflect the full amount of the item. I disputed my statement with Synchrony but did not receive results of the investigation nor did I receive a letter stating they would take an additional XXXX days to research nor did I receive provisional credit. Please review the attached documents that show the purchase and subsequent refund issued.

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 2022-07-08
Company: Experian Information Solutions Inc.
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:
I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$0.00}

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 2017-03-13
Company: American Credit Acceptance, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a vehicle through American Credit Acceptance and XXXX 18 months ago. The vehicle turned out to be a lemon. Two weeks after purchasing it, I had to take the vehicle back to the dealership for major repairs. Those repairs were again repeated two weeks after that. Over the course of one year, countless repairs were completed on the vehicle. In most of these situations, the vehicle had to be towed raking up additional cost. One year after the vehicle was purchased, the vehicle was deemed inoperable. It requires an engine to operate, approximately {$2600.00}. XXXX refuses to deal with the situation and American Credit Acceptance has been impossible to work with. The value of my vehicle is {$200.00} according to XXXX and ACA is requesting a minimum of {$3500.00} in 15 days. The co-borrower on this account is XXXX and such a lump sum is a ridiculous ask when you are caring for primary medical needs. 

ACA is the absolute WORST finance company to finance a loan through. They have predatory lending behaviors and have already been sued by the state of Mass. for these very things. 

Every time we called, we received a different story-line, countless careless employees, and was even refused service by a member of " upper management ''. 

Below are a list of employees I worked with : XXXX ; provided false information XXXX ; repeatedly stated that there was no flexibility XXXX ; refused to service us XXXX ; threatening to hang up the call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: LA
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: IN
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:
Unauthorized credit inquiries being reported on my credit profile regardless of my confirmation that they were unauthorized. 

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 2023-01-04
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT COLLECTION SERV Original creditor : CCS FOR XXXX XXXX-XXXX  Keeps attaching an account to my credit report for {$2700.00}. This account is not mine, and I'm the victim of fraud. I've attempted to have this removed at XXXX multiple times, but it keeps getting reported as accurate. 

XXXX and XXXX have already removed this fraudulent account, but CREDIT COLLECTION SERV keeps reporting this important as accurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
We opened a Barclays Master Card account to pay the maintenance fee for a time share with XXXX. We used the card 1 time to pay the fee off in 6 months with no interest charge. We paid the first payment after receiving the notice but we never got a notice of the next payment due and forgot. After several months, we received a call telling us the full payment was due with a late fee. We paid the full amount and the account was closed. This all transpired in XX/XX/XXXX and XX/XX/XXXX. Today I received a phone call from XXXX XXXX saying we owed {$380.00} on the credit card amount. The reason they gave was that when we made the last payment that there was a penalty and interest that were due not included in the amount given to us. So for a year they have been adding interest and charges on an account that had been closed for some time. In the meantime, we have been working with a representative of XXXX to give them back our XXXX properties. For this gift of a deed for a XXXX, AZ resort and XXXX XXXX, we have to pay {$750.00} in title fees. We were told by this representative to ignore the latest maintenance fee bills that we would not be charged for them. Today, the person calling from the credit card said we still owed the credit card fee. We feel that we in good faith had paid that account off based on the amount we were given by XXXX/Barclays MC. We disagree with the amount and feel that any law allowing them to do this is unfair and should be outlawed. The consumer should have some protection. We also would like those charges to be removed, the account closed and a letter sent to us and XXXX XXXX showing a XXXX balance on our account. Thank you for your help. XXXX XXXX XXXX XXXX and 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 monetary relief