BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Through our recent experience, Citi Bank Credit Services has not followed the requirements of the Credit Card Act of XXXX. 

-Citi Bank put our XXXX payment, after a mere 2 days late ( more information below ) immediately into default mode with a penalty APR of 29.99 %. They did not respect the 30 day window the law grants us to make a late payment without APR increase. 
-In their notice to us ( which was embedded on page XXXX of our statement ), they do not clearly state when the penalty APR will be lifted. The law requires that our account is reviewed within 6 months and that this be stated on the notice. 
-They also did not inform us that we were legally permitted to cancel the account, maintaining the original APR within 45 days. 
-They are using our payments towards the lower APR first, where the law requires them to use our payments towards the the higher APR first. 

Additional Information : In XXXX, we were 5 days late paying our bill as we were out of the country without internet. We paid immediately upon our return and contacted the company on XXXX XXXX to confirm there were no issues with our late payment. They waived the fee and said there were no repercussions of our actions. However, as of XXXX XXXX, our APR increased to the penalty APR of 29.99 %, effective on our XXXX bill. We have called multiple times to discuss this issue, with no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13
Company: Allied Account Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I agreed to pay a settlement amount on a debt. The credit collection company [ Allied Account Services ] stated they would send a settlement letter that would outline this agreement to pay a reduced amount on the debt and this would satisfy the payment of the full debt. The letter/invoice that was sent on XX/XX/2017 did not state this directly. There was no verbiage on the letter which stated that the creditor agreed to accept less than the full amount of the debt provided that I made the payment on the agreed upon date. The only reference on the letter was that a " payment amount of {$230.00} is due in our office by XX/XX/2017. The arrangement is to settle the balance referenced above. '' I was n't comfortable with the contract it seemed very vague. This document seemed very unprofessional and not that of a reputable business in an attempt to collect debt legally. This felt like a scam. 
I called the Allied Account Services and spoke with XXXX and asked if she could send me another letter on company letterhead which stated directly that the reduced amount would satisfy the full amount of the debt owed. She told me they could not send me this type of letter and they were only allowed to send me the letter/invoice which I have. XXXX ( then later her supervisor, XXXX ) told me once I paid the reduced amount then the company would send me a settlement letter which stated that I agreed to pay of the debt at a reduced amount to satisfied the entire debt. I am not aware of this type of business practices. If we agreed on something it should be put in writing before a payment is made, that is the true essence of a contract. What recourse do I have that this company will honor the agreement after I send the payment with nothing in writing that outlines the premises of the agreement? I told them I was not comfortable with the letter/invoice that the sent. I told them what would stop them from saying after I sent the reduced amount that I owed an additional amount or even the full amount. I could n't with good conscience sign and send a payment on a contract that was so vague and potentially misleading. Even the remittance sheet showed the full amount. Nothing stated directly that this was an agreement to accept less than the full amount of the debt to satisfy the full amount of the debt. They told me this was all they could do and this is the only letter they would be sending me. These conversations occurred over the phone on XX/XX/2017 and XX/XX/2017. I spoke with XXXX XXXX ( who sent the letter ) then XXXX XXXX ( her supervisor ). They are not willing work with me and the debt will remain outstanding and impacts my credit score. There was no other recourse for me according to Allied Account Services , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: GA
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 name is XXXX XXXX I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. And also unauthorized use of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 name is XXXX XXXX I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. And also unauthorized use of my credit report

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 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have had a HELOC with Bank of America for several years and up until XX/XX/2020 the line was working properly in terms of draws, repayment of principal and monthly debt servicing. The monthly servicing was taken directly by the bank by debit from an existing Bank of America checking account. 

On XX/XX/2020, I make a " principal only '' repayment of {$1500.00} from my Bank of America checking account. For some reason the bank did not reduce principal but rather held the amount in suspense. This same result was applied to a payment of {$2700.00} made later in the month. After a 2 hour wait on hold by their customer service line I was told the bank has upgraded its servicing software which is the reason for the delay in application to reduce principal. 

This is not the only issue. The amounts in suspense began to be used by the bank to pay my monthly service amount without my consent or even discussing. Now they apparently have reversed these entries and are showing my loan as past due. I am totally confused. 

I also don't agree with their principal balance and have not since XXXX. I asked the local branch recently for a reconciliation. I did my own reconciliation while I waited for theirs. Upon receipt, what the bank sent was almost unusable. I believe that my principal balance differs from the bank by more than {$1000.00}. 

After two months of trying to get this corrected, I have never been more frustrated than I am today. I can not be the only customer who has this same issue given it was a systems conversion which is the cause. No intelligent person at the bank will even return my phonecalls or respond to my email. 

Can you please help? 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12
Company: CITIBANK, N.A.
State: PA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
Through my employer I won a {$100.00} gift card and I was allowed to select the card ( SEARS ) that I wanted. My intent was to use the proceeds to make a payment on my Sears Card. There were no disclosures or limitations on used listed at my time of purchase. When I received the card later that day electronically, there was a list of limitation applied. I would not have selected their card had I known what I know now. I went to the my local Sears store and the manager advised me I can only use for purchases. 
I believe this is a deceptive practice and that it should be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXXXXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXXt account # XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, 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 non-monetary relief
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 contacted transunion multiple times on XX/XX/XXXX. I advised them that I have unauthorized inquiries on my credit report. 

Unauthorized inquiries below XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I didnt authorize any of the above inquiries and I have made every attempt to have these legally disputed. The Transunion representatives have all said that they will not file my dispute. They have also told me that they require me to call the above companies, and have them provide me with a letter to be removed from my credit report. 

I made a few attempts to request these letters and I was told by XXXX XXXX  and XXXXXXXX XXXX that transunion is the agency that needs to contact them. 

Ive spent many hours attempting to correct this problem with my credit report and transunion wont comply with the the law and wont research and contact the companies.

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 2020-03-07
Company: National Credit Adjusters, LLC
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:
This is a fraudulent charge that was taken care of with all 3 credit Bureaus YEARS AND YEARS AGO! And was very time consuming and an extreme nuisance!!! I have already had this taken care of! Now this random 3rd party collector has revived it again! I demand it be removed immediately, because this time I will just sue, for the inconvenience. I'm not going through this again, its fraudulent and has been added to my identity theft report with http : //www.identitytheft.gov/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Inaccurate information reporting.

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 2015-04-28
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXX - US Bank credit card -- false advertising! I am disappointed and angry about intentionally false and misleading advertising for the US Bank XXXX XXXX credit card. I was recently approved for, and paid the annual fee for, this credit card. The major benefit they advertise is a free night when making a reward reservation for cardholders. This was the reason I chose this card instead of a competitor like a XXXX credit card. Only a week after getting the card, I find out they have cancelled the benefit. Of course they were planning this while still advertising the benefit, to falsely induce more consumers into joining the card. They should be legally required to continue offering the benefit for all current cardholders, who relied on their promised benefits in signing up for the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Other

Complaint:
I had a long-standing credit card account with Fidelity, which was converted to Elan Financial services XX/XX/2016. At this time, I did n't receive notice of the conversion and continued to have access to my Fidelity account online which reflected automatic payments were being made towards my account balance. I received a call on XX/XX/2016 from Elan stating that my account was two months past due and that I needed to make a payment, which I did to bring my account up to date. I was told that I needed to set up automatic payments at a new web address. I promptly tried to create an account on the new website, but it would n't recognize my account number. After many calls to reach the correct customer service office, I was told that my credit card number was incorrect ; that I had received a new card and would have to use that card to set up an account. I explained to them that I never received a new card, but without it I was unable to create an online account. Since then I am still unable to access my account online or set up payments because my account has been restricted. I 'm still waiting to talk to a representative because their " 24 customer service '' number is closed every time I call. Up until recently I could still access the old Fidelity account, which continued to reflect that my auto-payments were scheduled. As of now, I have no access to my prior Fidelity 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 2015-07-06
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I returned a call from American Express. I was told that I called an told them to cancel my request for an Everyday American Express Card and they have sent me out a letter that they considered my request a " fraudulent credit request. I do n't care about the card, what does concern me why did they say this. Why would I purposely put a spot on my credit with making a Fraudulent phone call. The credit card is not important here, but the fact I have been accused of a Fraudulent phone call I did not make. I 've been away from home since Friday ( XXXX ). returned Sunday ( XXXX ) and have not had any verbal contact with American express in over XXXX years and have not made personal or any type of phone call in over XXXX week I basically do not use or make calls,. and when I did I only spoke to a phone service. I am hurt that what they say and what I have done do not match and that I am accused of something I did not do. Here lies my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am still experiencing issues with USBank. my home is still deteriorating since last year but the foundation has gotten worse since our last flood. I had XXXX companies pay a visit to me to replace my furnace and hot water tank, and I was denied both times due to the foundation and other issues that the flood had caused. I did contact FHA today XXXX/XXXX/2016 regarding this issue, and they recall an e-mail that I submitted to US Bank that was unanswered. I have been searching and requesting the corporate number which all departments have fail to do. so I have no choice but to file again.

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 2015-08-12
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Have had a car loan for over XXXX years with US Bank and received a letter from CA DMV that the lien has n't been satisfied and I have an incomplete registration. Have been trying to speak with branch about get the issue corrected and ca n't get anyone to return my call. Have never been notified that there was an issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Payoff process

Complaint:
Used credit card to make purchases. Paid full amount of purchases before end of billing cycle also paid minimum monthly due in addition to paying off new purchases. They applied my minimum monthly payment to zero interest balance. Said they applied above and beyond payment of minimum amount to new purchases. Yet 2 months in a row they charged me interest on purchase 's that had been payed in full and then some. Example I made {$440.00} dollars in purchases and paid {$550.00} which included the {$55.00} minimum payment. Yet the show I have balance with interest of 17.99 % in amount of new purchases accumlated on card. They claim over and above minimum goes to pay the higher interest rate on new purchases yet instead increase the balance at 17.99 % which should be XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: U.S. BANCORP
State: MN
Product: Credit card
Issue: Advertising and marketing

Complaint:
Signed up for credit card deal promising a Bonus night award when you booked for XXXX nights in the XXXX XXXX program. No sooner had I received the card has the offer been pulled starting XXXX XXXX. This is blatant false advertising as nowhere did it state the program would be ending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I turned in the keys to the apartment I was renting with a roommate at XXXX XXXX XXXX and was under the notion that I had paid all balances. Additional fees were not disclosed by XXXXXXXX XXXX XXXX  nor future intention to collect any fees. Nonetheless, XXXXXXXX XXXX XXXX proceeded to send a balance to Southern Management Systems collection agency and I was not aware that this was done. To the best of my knowledge, this did not happen to my roommate and is an unwarranted and likely without reason balance that was sent to collections. At present, this collection balance is preventing me from obtaining rent at an apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I recieved a email from chime bank saying that my account was suspended and that I needed to provide proof of where the money in my account came from. After sending in all documentation o received another email saying my acount was closed and that I'm not eligible for a refund. They took over XXXX dollars I've been saving to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I opened a credit card with American Express and they gave me a limit of {$10000.00}. They asked if i would like to add a family member 's name to the account and have a card sent out to her ( my wife ). They said on the online form that they needed her SSN and that they would not run it, just have it on file for identification purposes. A few months later they arbitrarily reduced my credit limit by {$6000.00} and said that I was carrying too many cards with high balances. I only have 2 other cards and and the limits on those are {$4000.00} and {$500.00}. Then It turns out that they 've run my wife ' credit without her permission and have somehow used her credit score to reduce mine AND reduce my limit. Her credit score has taken a hit, and they 're reporting that she has a balance with them of {$2700.00} ( having never even spoken with them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: WELLS FARGO & COMPANY
State: VA
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:
XXXX credit report for me showed an account that was not mine. XXXX attributed that invalid report to Wells Fargo Bank. Wells Fargo Bank denies that I had that account, and denies that they provided the information to XXXX. One of them is not telling the truth, and each blames the other. There are public reports that Wells Fargo caused many false or invalid accounts to be created, but XXXX will not give me specific information about which office or branch of Wells Fargo XXXX says submitted this information.

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