BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a business checking account with US Bank and made use of their offer whereby I would get a {$750.00} bonus if I were to complete certain activities as described on their website. 

The terms clearly stated the following : To earn up to {$750.00}, open a U.S. Bank Business Checking account using a promo code and complete the following activities : - Open a U.S. Bank Business Checking account ( Silver, Gold, Platinum ).

- Deposit {$5000.00} or {$15000.00} in new money within 30 days of account opening and maintain your balance for 60 days.

- Enroll in the US Bank Mobile app I deposited more than {$15000.00} and maintained the balance for more than 60 days but my bonus was not given to me. I reached out to US Bank and lodged a complaint whereby they informed me that I had to ALSO login to my US Bank Mobile App with my business checking credentials.

It was not at all clear from the promo materials, or from the language that I had to do the above. I already had created my account with US Bank as I'm their consumer checking account customer as well, and as soon as I opened my business checking account it started showing up in my Mobile App upon login. I had no clue that there's a different login and password that I have to make, or to login in to the Mobile App via that.

Ultimately, someone from US Bank reached out to me and acknowledged that I should have been given the bonus and escalated the issue internally. After a few days, a bonus amount of {$500.00} got posted to my account. Upon raising the issue again that I should have gotten an amount of {$750.00}, the US Bank representative informed me that I only qualified for the {$500.00} bonus since I had not deposited the {$15000.00} amount and maintained the balance for 60 days. This statement was absolutely false.

I opened my account and on the second day itself deposited more than {$15000.00} and maintained that balance for more than 60 days so I should qualify for the full {$750.00} bonus. However, US Bank and its systems are not working properly, and neither are their employees, whereby I'm not getting my full bonus amount credited to me.

This is a huge issue and hasn't been resolved even after a lot of correspondence with the US Bank team. I'd like to formally lodge this complaint so that I can get my dues posted to my account asap. Thanks! 

Best, 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 2023-08-10
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on XXXX inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,

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 2021-04-06
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:
Good morning, My name is XXXX XXXX and I'm displeased with what I found on my credit report. 
I found some Fraudulent & Illegal accounts and information on my credit report that you need to remove. They are listed below. Please remove these Fraudulent & ILLEGAL accounts and information. Please send me a copy of my credit report after it is completed. 
I have enclosed a copy of my Driver 's License, and 2 Bills for identification and verification. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I appreciate you removing these ILLEGAL accounts. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: FL
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:
My first letters to the credit bureaus regarding this account were in XXXX 2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.

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 2023-12-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/23 Westlake Portfolio contacted me twice ( between XXXX and XXXX est ) in reference to being 7 days delinquent. I advised that my payments were deducted semi-monthly, with the most recent being XX/XX/23 and upcoming for XX/XX/23. The rep stated something inaudible, communication was done. Later, closer to XXXX EST, another rep called in reference to the same thing. I requested a manager because Ive had the same call earlier and its a violation of the FDCPA. I was rebuttled, but still wanted to speak with a manager. The rep proceeded to try to collect. Then he stated all managers were busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Shellpointe as of XX/XX/XXXX. I have received no welcome letter or email as of today XX/XX/XXXX. This evening I received a call from the company. The call started off with the agent telling me they are a debt collector. I said I have never been late. I was told that my payment was due on XX/XX/XXXX and I am late. I responded that I have not received a loan number, any place to send the payment. So how can I be late if they havent provided me a method of payment. This wasnt a welcome call. It was a harassment call. The agent then proceeded to rattle off my loan information without asking if I even had paper and pen ready to write the information down. I have perfect credit. This company is already causing me stress and have had my loan for less than a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX - Check XXXX for {$3500.00} sent to XXXX XXXX XXXX at subcontracted consultants home. 
XXXX  - Check cashed at XXXX XXXX XXXXXXXX ( not a XXXX XXXX  has ever had account with ; signature she does not recognize. 
XXXX  Consultant says she never received check. I call bank. They say check was cashed on XXXX at XXXX XXXX XXXX XXXX  I was eft on hold phone for long time XX/XX/XXXX I was left on hold phone for long time XX/XX/XXXX I was left on hold phone for long time XXXX  I spoke with XXXX at Capital One who tells me dispute is now an open investigation and they will get back to me within 15 days. 
XX/XX/XXXX - On phone, she tells me that she has sent an email to XXXX the Capital One investigator and that he will get back to me. Hes waiting to hear from XXXX XXXX  XXXX. No affidavit needed. 
XX/XX/XXXX I get an email requesting affidavit from milestones XX/XX/XXXX I spoke with XXXX in person at XXXX XXXX Capital One branch XXXX He talked to person who talked to investigator. They said no timeframe for these things but theyre working on it and will get back to me. 
XX/XX/XXXX - Consultant fills out and sends me affidavit XXXX XXXX I receive affidavit ( filled out as Consultant not as XXXX  ) XXXX  - I scan and email affidavit and a document showing Consultant link to Milestones ) as requested to Capital One. 
XX/XX/XXXX I went to Capital One branch in XXXX XXXX and talked with XXXX. Put in a complaint. They said it could take a while. Maybe call on Friday. 
XXXX  - On phone with XXXX and had to describe the whole situation again. She informed that Capitol One is waiting on XXXX XXXX  XXXX to return the funds and they have opened their own investigation. No time frame. I told them I would file complaint with CFPB XXXX XXXX On phone with XXXX. He said that they acknowledge this as fraud and have submitted documents to Bank XXXX XXXX but have not heard back, and theres nothing more XXXX XXXX can do. I asked him to put pressure on XXXX XXXX  XXXX. I asked him who I could talk to at XXXX XXXX XXXX and he said I could try calling their fraud department. I told him that this is between Capitol One and XXXX XXXX XXXXXXXX so why should I be robbed? If I didnt care about the security of sending {$3500.00}, I could have sent cash. Using their check is supposed to protect me from this. He tried to soothe me but said its up to XXXX XXXX XXXX. 
XX/XX/XXXX Initiated complaint with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Submitted complaint on or about XX/XX/XXXX  it has been over 30 days and I have not received a written validation/ contract containing my wet ink signature ( Failure to transmit statement 1637 ( b ). Trans union and XXXXXXXX XXXX XXXXXXXX are in violation. Both entities are in Default and Dishonor.

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 2023-09-29
Company: Winklevoss Exchange LLC
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This financial institution is outright incompetent at anything involving customer support, communications, and really anything involving the daily operations of a payment processing operation.

I have complained on here already about the root cause of this here complaint. Which the great Consumer Financial Protection Bureau and its complete uselessness, did absolutely nothing but allow a robot to send an email ( wrote by me ) to a company, who then wrote my exact same message ( switching appropriate pronouns ) back to me. Followed by an exuberant roboto-matic posting of Case closed.

Anyways here Im again with another completely unbelievable story of incompetence and ignorance. After the company redirected my own complaint back to me, confirming every failure and lack of support they provided me. They themselves have apparently deemed that message to be the resolution to their mistake and failure to look into the fraudulent charges as well use it as a blanket denial to provide any support to me about the matter. 

This is however no different then what theyve done from the start, but now instead of lying saying they will get with me and resolve the issue or ignoring it. They just send me another automated message saying the compliance team is taking care of the issue. 

So after contacting the company by telephone 8 times, I was told every time the issue of the fraud purchases has been escalated as well as a note for the dispute team to contact me urgently. Never once have I received communication other than the automated response which is also not from anyone involving the dispute process. 

So a total of {$1000.00} of fraudulent transactions was attempted to be drawn from my bank account on XX/XX/XXXX. These fraudulent transactions were reported in XXXX. And the company has been made well known by me that this needs to be disputed and removed from my statement as they were not made by me, which is why in XXXX the company closed my old card and sent me a new one. 

Over the last 2 months I have notified them by phone 8 times, and countless emails that these transactions need to be disputed and handled. They never done anything about it so I had to block the payment myself. Upon blocking the excessive payment for fraudulent purchases the incompetent company then hit me with a {$25.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Over time as I have made Payments on my Accounts the Loan Providing Companies have NEVER UPDATED BALANCES. THIS has become so obvious to me the past few months, since I have PAID OVER {$12000.00} on MY ACCOUNTS! 

This is a CLEAR VIOLATION of the FCRA pertaining to ACCURATE REPORTING, CREDITING ACCOUNTS IN TIMELY MANNER, MATHEMATICAL ERRORS. THIS SKEWS TRUE BALANCES AS COMPANIES CONTINUE COMPOUNDING INTEREST RATES ON POSTED BALANCES-THIS IS THEFT!

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 2023-01-14
Company: Experian Information Solutions Inc.
State: MA
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:
The accounts in question are IN COLLECTIONS : XXXX XXXX : XXXX Unknown Collection Agency : XXXX XXXX XXXX XXXX  : XXXX The account in question which is closed and has a ton of INACCURATE INFORMATION : XXXX XXXX XXXX : XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX A BOUT THIS credit report and found some addresses that appear incorrect. Not only did I find addresses, but I XXXX. 

I looked over the ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE 15 USC 1681CTAKEN OFF ASAP. 2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout 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 2023-08-10
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
US Bank closed my Business Checking Account without any form of notification. They told me that I will receive a check for the funds in my account in 2 weeks. It has been over a month and I have called them multiple times. They keep telling me that the account is to be closed but there is no expiration date or close date. They also mentioned that I will not be able to get my funds from the account until they close the account. 

I have XXXX USD in the account which was deposited on XX/XX/XXXX. I told them that I urgently need the funds and they continue repeating the same words on the account being put on hold before closing. 

I came to know of my account being closed on XX/XX/XXXX and it has 27 days since then with no timeframe of when I get my funds released to me. 

They cancelled their relationship with me and have not released the funds.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/23 tried to get a refinance loan with XXXX XXXX XXXX, they said I had no credit history with Experian. 
XX/XX/23 pulled my credit report with experian it showed I had credit history with a score of XXXX XX/XX/23 called bank to check said nothing was fixed XX/XX/23 pulled credit report with Experian and my score dropped XXXX points and I had no credit history XX/XX/23 tried calling experian with 3 different numbers and they just want to sell me something I dont want. Absolutely no one will explain or set things right XX/XX/23 pulled credit reports with XXXX XXXX score of XXXX and all my accounts are up to date I am frustrated I work hard to pay my bills and usually I wouldnt care but now its a matter of principle I WANT THIS FIXED

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 and I am submitting this Complaint to you once again to request that you update the status of the following accounts. I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX Also, I previously requested that you send me copies of documents resulting from your investigation and yet I received nothing. Under the Fair credit Reporting Act, it should have been expected that the disputed accounts be corrected.

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 2020-03-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened an Lease with Chrysler Capital with my husband as the co-signer in XX/XX/XXXX. I paid for the least until XX/XX/XXXX when the lease /contract was bought off in it's entirety. My husband filed ( Himself alone ) for BK and Chrysler Capital removed the account history and payment from my credit report because the co-signer filed for BK protection. I called Chrysler Capital and ask them to please report the account back to my credit report as I have nothing to do with his financials or credit report. Chrysler Capital said that per their legal department ; they couldn't. I have tried to finance an new vehicle and has caused myself issues as my credit reports lacks the perfect payment history of car lease from Chrysler Capital. When I contacted them on XX/XX/XXXX. They told me the only thing they could do was to provide me an payment history in PDF. When received the pdf was blank.

Company response to consumer: Closed with explanation