BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-14
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, I purchased a clock radio from XXXX XXXX for {$110.00} on line. I paid by credit card, and delivery was promised within XXXX - 7 days. We allowed about 2 weeks for delivery ; however, the merchandise never arrived. At which point, I made several attempts to contact XXXX ; however, the phone number has been disconnected, and the website taken down. When we received our XXXX credit card statement showing the {$110.00} charge I immediately contacted Elan ( XXXX XXXX ) of XXXX ND to have the charge reversed. I was told they would send a dispute, and once completed I should fax it back to XXXX XXXX XXXX completed the form and faxed it back, several weeks later XXXX called and said they did n't have it. Again I faxed it back. In XXXX, the charge again appeared on my card statement. I contacted XXXX who said they did n't have the form, so they are charging us, but we can still send in the form for consideration. On XXXX XXXX I faxed the form again. On XXXX XXXX, XXXX left a message saying since it 's been so long, we would need to provide more information for the dispute to be considered. On the evening of XXXX XXXX, I called Elan, and granted permission for my husband to speak on behalf. He was told we needed to contact XXXX XXXX again to try to resolve the dispute. Again, the phone has been disconnected, and the website has been taken down. My husband was told they have to follow XXXX 's rules. Further XXXX will contact us in XXXX - 48 hours. I understand rules, but there is nothing more I can do. I have always paid my bills on-time. Further, I do n't routinely file billing disputes, so I expect to be treated fairly by Elan. I want the charge removed from my account, and expect I will not be charged any interest for the period of time it 's on my account.

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 2017-01-01
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
First Bankcard appears to be out of compliance with the law. I 've tried discussing this with them on multiple occasions, however they do not want to hear it. XXXX examples : They do not disclose promotional interest rate expiration information on periodic statements, as required by law. I went so far as to send them this link, XXXXconsumerfinance.govXXXX however they do not care. They honestly seem incompetent and like they do not even understand what I am talking about. 

Furthermore, they do not apply anything about the minimum payment to the highest interest rate as required by law. I have paid well over the minimum payment amount on numerous occasions, however they always apply it to my promotional interest rate. They do not apply it to my purchases being assessed higher interest rates. I 've wrote them and e-mailed them about this, even specifically asking that my payment be applied to my purchase balances, and they refuse to do it. 

They seem to feel like they are exempt from the law. They honestly do n't seem to even understand the law. I told them I 'd be contacting the CFPB with this, and they are so arrogant they just kept saying " We comply with the law. '' and refused to look at the specific provisions of the law that they are not complying with. Please help. They need a wake-up call. I 'm sure it is not just me that they are pulling this against.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
universal acceptance corporation was asked not too call my references they were calling them because i had a bill with them and they kept calling them i have filed a complaint here befor and they agreed not to call but the calling has not stoped and my references have asked them to stop and they keep calling them

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: DE
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:
So I sent a letter off on XX/XX/2022, to remove personal information that I did not want on my credit report. According

to the fair credit reporting act 15USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is a new Care ( THIS IS A NEW CASE ) Back in 2012 on case number XXXX CFPB assisted me with XXXX XXXX XXXX XXXX XXXX ). in 2012 XXXX agreed with CFPB and myself and removed all the fraudulent information from my credit report show any late payments ( I have never been late ). I check again this morning and the fraudulent information was back on my report. Needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
In an open case # XXXX, I just disputed Citi 's regulatory complaint spec XXXX XXXX pretty lame excuse for ( as experience numerous times ) allegedly misapplying my payments. All of the checks and money orders XXXX XXXX mentioned were mysteriously applied to a closed account ending in XXXX. All had the " account number '' written on them. In XXXX Citi stated I never sent the money but would investigate. Citi is just being retaliatory towards me for involving my Congressmen re : the previous Citi matter where they tried to take advantage of me. Do n't understand how with all of their " specialist '' they misapply money. In addition, Citi ACH 's my checking account for {$70.00} towards the balance of said account ending in XXXX. It 's obvious in addition to being revengeful Citi is trying to soak me for as much money as they can from me by any means necessary. For now I stopped the ACH 's and will send them {$50.00} each month until this matter is settle.

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my SSN card and Drivers License for identification purposes to continue  investigating my complaint. ) This account is reporting in error. I had tried to contact XXXX and after numerous attempts I finally spoke with an account supervisor who told me she could not locate any information on this account. She suggested I contact the corporate office which I have and no one has called me back. There is no account for corporate to access either. This information is clearly being reported in error and is seriously harming my credit score. This line item needs to be removed from my credit report. I  have contacted the bureau to remove this however, I have not been successful.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  days In accordance with the fair credit reporting act XXXX  account number # XXXX has violated my rights.

15 usc 1682 section 602 States I have the right to privacy.

15 usc 1681 section 604 A section 2 It also states a consumer report agency furnishes account without my reading instruction.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has a

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 2022-05-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX # Account Number XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account Number xxxxx XXXX, XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX, Account Number XXXX XXXX  and XXXX XXXX  Account Number XXXX XXXXXXXX has violated my rights.

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 : It also states a consumer reporting agency can not furnish a account without 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 explanation
Consumer complaint received 2015-05-19
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank charged me a {$7.00} OD fee even though I had the money transferred in right away to cover it. I have XXXX direct deposits going into my acct each month for a total of XXXX. Really, an od fee for a great customer who has been with your bank for probably over XXXX years!! I talked to customer service reps who would n't remove the fee. I then called the bank in my area and they removed the fee, but told me if I did n't have a balance on my equity line I would get charged again if it happened again. Why would a bank take XXXX minutes to tell me there was nothing they could do and then I call the branch and he removed the fee. It is principal with me -- if you are a great customer and a long time customer why would you want to make them unhappy? Does n't anyone care any more about good customers???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collector keeps calling me at my phone number asking for someone who use to have my phone number 6 years ago. Asked them repeatedly that I am not the person you are looking for. I got a new phone and number 5 years ago and am not this person at this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company - CREDITORS DISCOUNT & AUD - continues to place an account that does not belong to me. According to the information they placed on my credit report they indicate it is for " XXXX XXXX ''. Fact 1 ) I have not been to an emergency room in a long time, if ever. Fact 2 ) I have requested them to provide proof that this is my debt, and they have not only refused, they have not provided any.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Armada Corp.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In 2013, I suffered an emergency room visit while traveling for work out of state. I was seen by XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX Utah. Phone : XXXX. I presented them with my medical insurance and was discharged the same night. I told them I was traveling for work and that my company 's work insurance should pay for the visit. I never heard from them again ( a year later, I moved ). When I ran my credit report in XXXX 2015, there was a medical collection for {$650.00}! They never tried to contact me ( my phone number has n't changed in XXXX years ). They refused to delete the collection from my report after I paid it in full ( no longer worked for the same company ). By then it was with a collector and they refused to re-call the debt. They shared my personal medical information with a debt collector, violating HIPAA and refused to re-call the debt even when I offered to pay in full and even after I explained I had no knowledge of the debt. This collection is reporting on both my XXXX and XXXX reports and I would like it removed due to HIPAA violation and the fact that they did n't disclose it to me prior to sending to collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: U.S. BANCORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
US Bank claims they had to write-off money on a car loan I had with them. They did not. In fact, they sent me a refund check for my overpayment to them. After the car was totaled, the insurance companies were slow to pay, so US Bank reported me to the credit reporting agencies for issues over which I had no control.

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 2015-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
TRANS UNION DENIES ME PIN NUMBER OF NYS SECURITY FREEZE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am the equity and title owner of a property in XXXX AZ. 
My son is the one who secured the loan for the property from US Bank home Mortgage. We set up a bank account for US Bank to withdraw the mortgage monthly payments. US Bank withdrew over {$2000.00} extra per month than what we agreed upon I contacted US Bank to resolve the issue but got nowhere, we closed the account, stopped making payment and secured a new loan to refinance. When the title company checked the recorded deed of trust they found mistake in the jurisdiction county. I went to the recorder office to try to correct what I thought is a mistake but discovered that the recorded deed is a forged fabricated document different than the one my son signed and I witnessed. 
US Bank will not produce the original document and scheduled a foreclosure sale, I filled a chapter XXXX Bankruptcy to get US Bank to produce the original documents, but US Bank submitted the forged documents as exhibits in their proof of claim. US Bank believe they are above the law, has no respect for the legal system or the Court.

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 2016-02-23
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Consumer Finance Protection Bureau XXXX XXXX, XXXX Please file this formal complaint against : First National Bank of Omaha XXXX, XXXX XXXX Consumer Finance Protection Bureau Specialists, Please consider this a formal complaint against First National Bank of Omaha ( FNBO ) XXXX Credit Card Program. 

I have attached screen prints of my online account ( XXXX ending in XXXX ) to support this complaint. 

In XXXX XXXX, FNBO stated my minimum payment due on XXXX XXXX, XXXX, was {$320.00}. Since I was going to be traveling, I submitted the XXXX payment early. I made XXXX payments of {$160.00}. XXXX on XXXX XXXX, and and the other, on XXXX XXXX, to keep my account current. FNBO accepted the payments, and showed my account not only as current, but with XXXX amount due for XXXX XXXX, XXXX. ( Please refer to attached FNBO account documents ) On XXXX XXXX, XXXX, I reviewed my account online, and was surprised to discover FNBO showed my account in arrears, and delinquent for XXXX XXXX. A warning banner appeared for my account, along with a late fee, and a {$410.00} mininum payment due XXXX XXXX, XXXX. FNBO also severely damaged my credit profile by reporting my account as delinquent to the major credit bureaus. I submitted the {$410.00} payment on exactly XXXX XXXX, and my account is current. 

It appears FNBO 's payment processors will not credit any minimum acceptable payments made in advance of the due date. These early payments are posted as made, but not credited towards the future payment due date. 


Until FNBO resolves this erroneous payment processing, I am not submitting anymore early payments. This also had occurred previously in the month of XXXX XXXX, but I was unable to download my account information because FNBO listed my prior payments as " unavailable. '' I am requesting for FNBO to immediately remove their delinquency listing from my consumer credit report and, to refund my XXXX XXXX, XXXX payment of {$410.00}, Hopefully this letter and my attached documents will assist other consumers who are also having their payments not properly posted. 

Please give this matter your most direct and expeditious attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: National Principal Group, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
They are sending out robotic messages to not only myself but two other references that they may have in regards to me implying that they are some type of legal entity by the messages that they leave. Demanding that the people report to them about my whereabouts. I have contacted them 3 times already. I have refused to validate my social security number but I did give them my name. They assured me they would continue to keep calling until I verified it. I told them to cease and desist and I have sent them a written cease-and-desist order.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016 I discovered that at approximately XXXX that morning, an unauthorized withdrawal of {$2900.00} was made via teller withdrawal from my checking account at Citibank XXXX The line item on the transaction showed the location as being at an ATM at XXXX in XXXX ( this is about XXXX miles from where I live and I was never there ). I reported this at once to Citibank and opened a fraud investigation. The following Monday I went to my local branch in person, and at that time saw that on XX/XX/2016 ( Saturday ) at around XXXX an additional {$2900.00} was fraudulently taken out of my account at the same branch in XXXX XXXX The entire amount of funds stolen from my account is {$5800.00}. 
I have been working with Citibank for almost XXXX months and the funds still have not been recovered into my account. Citibank 's latest instruction to me was to make a police report and then provide them with the case number, so that they can request and review camera footage from the ATM where the funds were stolen to ascertain that the individual making the withdrawals was not me, was not known to me and/or did not have permission from me to make a withdrawal. So far they have denied my fraud claim on the basis that the withdrawal was made using my card PIN number. Citibank asked me to provide a written affidavit stating that I was not the person that withdrew the funds, and that I did not know nor authorize anyone to withdraw the funds, which I did complete and provide to Citibank. I guess the inference is that I must have provided the number to someone but this is false. I have not shared my PIN number nor my card with anyone. I do not keep multiple copies of my debit card, and there are no other signers on my account that have access to it. I do not keep my PIN number written down anywhere. I have not given the card nor the PIN to anyone ever to use nor given anyone permission to withdraw funds using my debit card, ever. 
My suspicion is that a card skimmer was used to copy my debit card information. On the night before this all happened ( Friday XXXX XXXX a taxi driver asked that I purchase them gas in exchange for a lower ride fee, and I suspect that before I used my card for this purchase they put a card skimmer on the gas tank and secretly observed or recorded my PIN when I made that purchase. That 's my strong suspicion just because the timing is very coincidental. 
I would greatly appreciate any assistance, advice and help working with Citibank to recover these funds. I am a single father of XXXX teenagers, my wife passed away last year and I can not afford to lose this much money. Can you please help me. 
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