BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-07
Company: U.S. BANCORP
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Subject : Complaint Regarding Opening a U.S. Bank Checking Account Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their considering the Checking Account ending in XXXX as an opened account of mine. 

I applied a U.S. Bank Checking Account ( ending in XXXX ) and the application was approved on XX/XX/2022. I didn't make a minimum opening deposit of {$25.00} and the Checking Account ending in XXXX should not be considered as " opened ''. However, U.S. Bank regards the Checking Account ending in XXXX as an opened account of mine. Therefore, I have a serious concern about the definition of " open an account '' because the term " open an account '' is not rigorously defined and clarified to consumers from the side of U.S. Bank. 

From an official U.S. Bank website ( see Attachment XXXX XXXX XXXX XXXX  ), footnote 11 in the Disclosures says " {$25.00} minimum deposit required to open a U.S. Bank consumer checking account ''.

On an official U.S. Bank webpage ( see Attachment 2, " What you need to open a checking account '', XXXX XXXX XXXX ), " a minimum opening deposit of {$25.00} to activate your account ( once youve been approved ) '' is listed as one of the requirements to open an account. In my point of view, an account can be considered as " opened '' only if the application of the account is approved and the account is activated with an opening deposit of {$25.00} or more. 

Another similar statement from an official U.S. Bank website ( see Attachment XXXX, XXXX XXXX XXXX ) says " open an account in minutes with a minimum balance of {$25.00} ''. 

Based on the statements shown on the official U.S. Bank website, an account can not be considered as " opened '' without a minimum balance of {$25.00} from the consumers ' perspective.

Moreover, I contacted one of the U.S. Bank agents, by which I was told that " since I had not made a {$25.00} initial deposit, my account ending in XXXX was not considered opened ''. If I was clearly told and explained by U.S. Bank agent or official U.S. Bank website that the approving of an application is considered as " opening an account '', I would never close the account ending in XXXX. 

To be concluded, the account ending in XXXX should not be considered as " opened '', therefore I didn't have a U.S. Bank consumer checking account in the last XXXX  months. I request that the U.S. Bank should not consider the account ending in XXXX as an opened account of mine.

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 2023-01-20
Company: Linebarger Goggan Blair & Sampson LLP
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated calls from this number for more than two years. The latest was today, XX/XX/2023. No message is ever left. I have even blocked this number, but the calls continue. After investigating this number, I discovered that they are a law firm named Linebarger, Goggan , Blair & Sampson. This particular phone number is out of XXXX and concerns collecting of unpaid parking tickets in the city of XXXX. I find this VERY strange as I live in XXXXXXXX XXXX and have never once parked my vehicle in the city of XXXX. I do not know how they have obtained my telephone number, but I believe this to be a complete scam and want these calls to immediately stop.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2023, I sent a certified letter to Equifax in response to receiving my consumer report that is negatively impacting my consumer report. As per 15 USC 1681a 2, my transactions and experiences between me and the person making the report should be excluded. Additionally, 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Finally, 15 USC 1681b ( a ) ( 2 ) outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. As the consumer, I did not give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate, and injurious information to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: SANTANDER HOLDINGS USA, INC.
State: IL
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 traded my vehicle a XXXX XXXX XXXX that was financed through XXXX with a monthly payment of {$630.00} to XXXX XXXX XXXX who went out of business after I traded the vehicle into them. I called Chrysler Capital and explained this to them and continued to make the payments until the car was liquidated by XXXX Auto exchange at the auction. I did this so I would not be reflected as late on any payments. I continued to call and in XX/XX/XXXX I was told by XXXX Auto exchange and Chrysler Capital this vehicle was sold to Ally Financial and Ally Financial was paying this car off with Chrysler Capital. 

At no time did I speak with Ally or did I give for Chrysler Capital my permission to talk or discuss or negotiate on my behalf with Ally and the same I did not give Ally my permission to discuss or negotiate on my behalf with Chrysler Capital. 

In XX/XX/XXXX while continuing to make my monthly payments I was told by Chrysler Capital that they had been in discussions with XXXX and had given XXXX my pay off amount. 
I continued to call every month to Chrysler Capital before making the monthly payment to see if it had been paid off. In XX/XX/XXXX I received information from Chrysler Capital that XXXX had paid off the vehicle. I then received a bill showing that {$600.00} was still owed I called Chrysler Capital and explained why they would release my title to XXXX until paid in full and was told they would get with XXXX. I was then notified by all three credit bureaus that it was reported from Chrysler Capital that on XX/XX/2023it was reported on my credit bureau that my acct was closed and paid and negotiated for less settlement which is a derogatory remark I have been calling Chrysler Capital weekly to get this removed to say paid in full with nothing about a settlement for less. This remark has caused not only my credit score to drop dramatically but has caused me not to be able to get new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
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 did not receive a statement ( mail or email ) from Citibank regarding an annual fee that was due on XX/XX/2019 for my Best Buy credit card and incurred a 30 day late fee penalty for payment which lowered my credit score drastically. I paid off both the late fee and annual fee for {$120.00} and called the credit card company to dispute the charges and damages done to my credit score. They advised that for some reason, the statement was mailed off and sent back to their office. The late fee was waived, however after several weeks, my credit score is still damaged.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
PayPal will not update my available credit, nor make this credit available to me after more than fifteen ( 15 ) days, despite my paying off the credit card in full last month. PayPal has no such waiting period when customers choose to make less than a full payment on an account. This unlawful credit card policy was put into place so as to deter customers from paying the full balance and avoiding the more than thirty ( 30+ ) percent in interest. Please take legal action against PayPal, administratively and/or otherwise, since U.S. law requires that all payments be immediate applied to existing debts, under the common law mailbox rule among other valid sources of law. PayPal already is on notice about the unlawfulness of failing to immediately credit all customer accounts : as evidenced by class actions that customers filed against this company when it colluded with XXXX to improperly withhold moneys that were owed to XXXX sellers that had fully performed under escrow contracts. Thanks.

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 2020-12-14
Company: Experian Information Solutions Inc.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS 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 explanation
Consumer complaint received 2023-11-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo advertised a savings bonus offer in early XX/XX/2023. 
the offer was XXXX which was set to expire as an offer on XX/XX/2023 The terms were as follows : 1. Sign up your existing XXXX XXXX XXXX  saving account for this offer by going to a branch and having a banker apply your bonus offer code to the account. 
I signed up at a XXXX VA branch on XX/XX/2023 with XXXX. 
2. Deposit {$25000.00} or more in new money to your way to save savings account by day 30 from the account sign up and maintain at least {$25000.00} balance through day 90 after account sign up. 
I made a deposit of {$25000.00} at the same XXXX branch on XX/XX/2023 directly into " way to save '' account, XXXX was present and aware of the deposit. 

Bonus payment : We ( Wells Fargo ) will deposit your bonus into your " way to save '' account within 30 days after youve met all other requirements. 

First, in addressing calculation of " 30 days after youve met all other requirements '', it could be argued the " 90 day '' clock for the offer began with XX/XX/XXXX " sign-up '', but even if we start with the XX/XX/XXXX deposit, day 90 is reached on XX/XX/2023. 30 days from XX/XX/XXXX is XX/XX/2023. 

It is now XX/XX/2023 and I never received the promised {$520.00} into my " way-to-save '' account. Wells Fargo is clearly in breach of this agreement. 

At a most generous reading of the agreement, which Wells Fargo has clearly breached, My tying up {$25000.00} for 120 days to receive {$520.00} is equal to an annual % rate of XXXX or {$4.00} per day. {$520.00} divided by the 120 days as a percentage of the {$25000.00}. 

On or about XX/XX/XXXX I went into the branch where I had signed up and spoke to XXXX. She confirmed that I had done all thing required and said she would put in a " request '' for further explanation. 

I have heard nothing further. 

It has now been 21 days from XX/XX/2023 at {$4.00} per day, that's another {$91.00} at least that I am owed I believe the offer uses language that suggests the clock for all calculation begins with sign up. With the XX/XX/XXXX date at sign up, the 90 days, plus 30 to pay ends on XX/XX/2023 that means 39 days have passed since the Wells Fargo breach 39 days at at {$4.00} per day = {$170.00} I am open to hear analysis on this matter 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 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending dispute letters asking for these egregious collections, incorrect auto loans, and student loans from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and the Department  of Education  to be removed from my report as they have not provide the original credit agreements, original contracts, or promissory notes I supposedly signed for these debts.

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 2023-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Noticed a collections on my credit report around XX/XX/2023. Contacted company & requested all information pertaining to me & this debt. I did not receive any information. I kept receiving calls to collect debt & advised each time the debt was not mine & to please send any information to me concerning this debt. Around XX/XX/2023, I placed a fraud alert with the credit bureaus. I have no knowledge of this debt. I am a victim of identity theft. I have previously made a report about this company on other cfbp reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account twice with XX/XX/XXXX and Transunion due to inaccurate and incomplete reporting information. I also requested validation, but did not receive it. There is definite inaccurate information that the representatives over the phone have even stated that they see. However the account is still reporting with inaccurate and incomplete information. The open date is reporting as XX/XX/XXXX. However, the company is reporting the first delinquency in XX/XX/XXXX. How is there a delinquency on the account BEFORE the open date? This is obvious inaccurate information. XX/XX/XXXX and Tranunion have allowed the company, XXXX XXXX XXXX, to verify this information as accurate TWICE. There is also incomplete information. The last payment date is missing. The payment history is incomplete. The past due balance is missing, but the account is reporting as a collection. This is obviously incomplete information. The representatives over the phone with XX/XX/XXXX and Transunion stated that they see the information, but they have to go by what the company reports. This is not true. The credit reporting agencies are responsible for ensuring that accurate and complete information is being reported. Otherwise, a company can report anything to you.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX 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.

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 2020-12-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I pulled my report on XX/XX/XXXX from XX/XX/XXXX. I noticed that my loan with XX/XX/XXXX XXXX was showing seven missed payments from XXXX XXXX XX/XX/XXXX. I did not miss any payments during these times. XX/XX/XXXXXXXX Needs to check all their statements and figure out why they are reporting me late when the payments came out my account before the due date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a collection account on my credit report from Portfolio Recov Assoc in the amount {$1800.00}. This is a fraudulent account or ID theft created. I have disputed the account with XXXX and XXXX and requested a copy of the validation and verification report from the credit bureaus and the collection agency. 
I sent a certified letter to Portfolio Recov Assoc ( see attach ) and they have ignored and the credit bureaus not helping. 
This is a fraudulent account and I would like it removed from my account.

Company response to consumer: Closed with explanation