BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021, I opened a new checking account at US Bank branch at XXXX XXXX, UT with a promo code XXXX that gives me {$300.00} after meeting certain requirements. From the fine prints available at opening this account, the requirements are : 1. open a new checking account other than student or safe debit account by XX/XX/2021 ; 2. complete recurring direct deposits that total {$3000.00} or more within 60 days of account opening ; 3. enroll in e-statement by XX/XX/2021. 

For requirement 1, my checking account is the basic easy checking account and I'd never had a connection with US Bank before. Therefore it is a new checking account of eligible type. 
For requirement 2, I made 3 direct deposits of {$2000.00} each that total {$6000.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. Therefore recurring direct deposits totaling {$3000.00} or more were completed within 60 days of opening the account. 
For requirement 3, I enrolled e-statement when I opened the account. Therefore it is met, too. 

The fine prints of the offer say the bonus will be deposited within 60 days after all requirements are met and verified. After more than 3 months I met all the requirements, I still didn't receive {$300.00} bonus. I made multiple calls over the past 3 months to US Bank but it didn't get solved. Until XX/XX/XXXX, I got a call from US Bank and the person in the call told me I did not meet the requirement because I had to make direct deposits of at least {$3000.00} in each single deposit. 

For such obvious misleading and made-up excuse of not grant me the bonus, I tried to have some questions clarified in the call but that person failed to do so. The fine prints of the offer clearly say " direct deposits that total {$3000.00} or more '', by which a normal person would interpret it as " multiple deposits as long as they add up to at least {$3000.00} ''. But that person stubbornly insisted it has to be one single deposit of at least {$3000.00}.

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 monetary relief
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Sent XXXX & XXXX and Debt Validation to XXXX and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from " XXXX XXXX '' advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my XXXX acct number, or social security number, DOB and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the XXXX account has been closed and the amount has decreased. Still no update from XXXX. 

XXXX has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX, XXXX, etc.

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: Bread Financial Holdings, Inc.
State: IL
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 have a comenity Ulta card XXXX. 
XXXX In XXXX of 2022 I made XXXX payments totalling {$700.00}. 
Ulta never received them. 
My bank proved they were sent. 
Then I get XXXX statements from Ulta. XXXX is MY OLD CLOSED acct with a {$700.00} CREDIT! 
XXXX We figured out where it went and next month I still got XXXX statements but now my old card had XXXX balance XXXX they cut me a check for {$350.00} and I had a {$350.00} payment applied to my current Ulta XXXX acct. 
NOW I hv a balance of {$380.00} And theyre charging me interest! 
STOP these late fees and interest! 
This acct needs to be CLOSED and that balance needs to be negated. 
This is almost a year of this not being resolved. 
THIS HAS TO BE HANDLED THROUGH THIS ADDRESS AS PER Ulta/Comenity COMENITY CAPITAL BANK Attn : Billing Dispute XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA
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:
The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : OneMain - XX/XX/XXXX Springleaf - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX One Main - XX/XX/XXXX Spring leaf - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX This is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An account was opened on XX/XX/2019 that I did not apply for much less recieve a card for to run up a {$3500.00} balance. Ive never heard of XXXX ever until it showed up on my credit report. This is fraud and needs to be removed. I believe my identity was stolen when I moved from my old address. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I noticed that my statement from my mortgage company was inaccurate with the amounts that I had paid for my principal and the interest. Every month since Select Portfolio Services , Inc bought my loan from XXXX XXXX XXXX around XX/XX/XXXX I have had to continually call them to fix the separate Principal payment. They tend to put it where ever they choose. I have always kept my statements and still have most of my statements from XXXX XXXX XXXX and Select Portfolio Services. Recently they have not been fixing these errors and have even sent an incorrect 1098. I called them back in XXXX of XXXX to make sure that my Principal Payment was sent to the appropriate address and it still gets messed up. When I call and tell them to fix it they say that they are in the process of fixing it, but it has now been 3 months and it is still not correct. My Principal paid should be showing {$640.00} that I have paid so far this current year and my new mortgage payment should be due for XXXX. Instead the amount showing is {$42.00}. I pay {$300.00} a month separately to principal. They also tell me that I owe a fee of {$90.00} that was a carry over from the previous mortgage company. Which I have never had a fee from my previous mortgage company. That fee is now lower and when I asked when was it that I made a payment to this supposed fee they could not answer me. I keep very good records on my account and any payments that I make. I will have to call them again, because when I went to their web page to check my account it is showing that I am not do to pay until XXXX which is not correct and the {$300.00} principal payment has not been applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After paying the amount requested by the mortgage company every month on either the website or pay by phone, I was told that I did not pay the full amount due and that I needed to make my account whole. I spoke with several customer service agents regarding this, and no one could tell me why I was short on payments. I spoke with a manager who said it seemed that I was approximately {$95.00} short, and that once I paid that my account would be up to date. I paid that amount, but upon next monthly payment I was told I was short again. I spoke with another customer service agent, their manager, and asked to have the next manager in the chain of command call me. They promised I would receive a call with in an hour, one month later, I still have not received that call. I also opened two separate help tickets with their online system. One was never responded to, and the other was closed with no information as to why I am short or how it has been resolved.

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 2023-05-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite of my previous complaint, I am submitting this CFPB Complaint again to dispute the accuracy of my credit report. As I reviewed my credit file there are still inaccurate items that are still continue reporting on my file. I am asking for your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report. Kindly remove the following items : XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy ; XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately ; XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. ; XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

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 2021-09-16
Company: EQUIFAX, INC.
State: SC
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXX XXXX account, and in XX/XX/XXXX updated complaints, Most importantly, from XX/XX/XXXX to XX/XX/XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.

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 2022-11-09
Company: Experian Information Solutions Inc.
State: NC
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:
Sent XXXX XXXX XXXX and Debt Validation to XXXX and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from " XXXX XXXX '' advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my XXXX acct number, or social security number, DOB and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the XXXX account has been closed and the amount has decreased. Still no update from XXXX. 

XXXX has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX XXXX, etc.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX {$250.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX {$6500.00} XXXX  XXXX {$540.00} XXXX XXXXXXXX {$540.00} FST XXXX {$870.00} XXXX {$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 2019-05-19
Company: EQUIFAX, INC.
State: OK
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:
hard inquiries fraud i did not authorize them i call the company they said they can't help me both companys XXXX and equifax i want all this hard fraud inquiries deleted or i will take XXXX and equifax to court and post it all over social media and call the new channel i really mean it am hurt and i need it remove asap XXXX equifax XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX owes XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXl XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-02-10
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have received multiple conflicting information and threats of repossession after being told that making certain payments would protect me from repossession by the company. 

I received a letter saying I would have to pay {$1100.00} to bring the account current, other information telling me i would owe approximately {$1700.00} to bring the account current and then further told by an employee with ID number XXXX that i would need {$640.00} to bring the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: SC
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:
I'm submitting this complaint against all 3 major credit reporting agencies. 

I've submitted a letter to the credit bureaus, Experian, XXXX, and XXXX, on XXXX XXXX. This letter asked for detailed information regarding how the account information on my credit report was investigated and validated. Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act states that the credit reporting agencies are required BY FEDERAL LAW, to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 

I have demanded to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that they have on file for the accounts list below that appear on my credit report. These inaccuracies have hurt my ability to obtain credit. 

Under the FCRA, any unverifiable accounts must be removed from my credit report and if they are unable to provide me a copy of verifiable proof for these accounts listed below, they must be removed from my credit report. 

I demand that these accounts be removed from my credit report immediately seeing as that this investigation has gone on longer than 30 days and there has not been any verifiable proof ( i.e. an original customer signed contract with my signature on it ) presented within the 30 day investigation window. 

The accounts in question are listed below : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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