BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-05
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I rented a car over the internet. I agreed to pay {$130.00} to rent the car over a four ( 4 ) day period. I never saw the contract. I picked up the car in XXXX, Ga, and used it for the four days. I paid for the rental with an American Express credit card, issued by the XXXX XXXX XXXX XXXX XXXX. Open returning the car, I signed a receipt acknowledging the return of the car. After signing the receipt, I was informed, for the first time, that the card had to be returned by XXXX. Because it was after lunch and I had already signed the receipt, I took no immediate action. I feel that I was " baited and switched '' into paying additional fee that I was not informed of prior to signing an acknowledgement. I contacted the card issuer ( XXXX, XXXX ) and disputed the {$30.00} additional charge. On XXXX/XXXX/15 I was informed by the credit card issuer that because I had unwittingly signed an acknowledgement that they would " not have the authority to continue to persue the credit from the merchant on your behalf. '' Because of the small amount and fraudulent bill, XXXX, XXXX, has just " rolled over '' for the merchant. And I 'm out {$30.00} on a " bait and switch '' scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Access Receivables of NC Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I 've asked for debt verification letters to be sent, and to this day I have NEVER received any letters of debt verification from the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a camera from XXXX XXXX XXXX XXXX in XXXX. It was delivered to a wrong address by XXXX, I have the email that shows wrong address. Then the next day XXXX says they delivered it to me and I signed for it but nothing ever came here and I signed nothing. They can check the signature is not mine. I told the company about it and they said to contact my credit card to file a chargeback, so I did. They never asked for any proof when creating it. Then they closed it 60 days later saying I never sent any proof in ( after the merchant took forever to respond ). Then the same day I sent the proof to an email their chat agent gave me. Citi reopened the dispute. Then a long time goes by, and they close it saying I never signed a form they requested. I did not know they sent me anything because I never got any form in the mail. SO I signed it the next day and sent it back in. Then more time goes by and they say they can not approve it and they reversed the credit. Now I am out {$1600.00} for an item I never received. It is not my fault the credit card company took forever to review it and now its passed the deadline they say to do anything even tho I sent in my proof. They said the merchant is not willing to issue a credit. 

The credit card company is Citi and the card is an XXXX XXXX advantage card.

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 2016-08-19
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was a victim of identity fraud. The person name is XXXX XXXX. This individual open a U.S. Bank account with my social security number and used my Identification number, account ending in XXXX. 
Also she open an account with XXXX XXXX XXXX XXXX, using my info account ending XXXX. The address she used is XXXX XXXX XXXX in XXXX, IL XXXX. I did n't profit from any of these accounts nor did I give her permission to use my name or ssn.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: CA
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 just received my reinvestigation back from EXPERIAN. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report from XX/XX/2022 as evidence. 

I also attached my personal documents : ID, SSN and Proof of Address.

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 2022-10-17
Company: EQUIFAX, 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:
I have asked the credit bureau to do a verification on everything on my credit report and they did ; they stated that everything is accurate. I have done a thorough research myself and looked even further and found improper inaccuracies on my credit report even after the credit bureau did their research. 

In accordance with the Fair Credit Reporting Act XXXX ( Account # Below ), has violated my rights. 

15 U.S.C 1681 section 602A. 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 an account without my written instructions. 

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 response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Today, XX/XX/2017 I received a missed call from an ( XXXX ) telephone number. There was no voicemail left so I returned the call. Once on the line, the collector verified my name and proceeded to inform me of a " debt. '' Throughout the call we went back and forth regarding Paying of said debt where I informed him that I did not have any money to do so. Nor did I plan to pay off the debt at all. He then threatened to escalate the matter to the companies legal team. I began to back pedal and explain to him that I never put right said that I will not pay but that I am considering why I should pay. He then started to speak to me in a condescending manner. At which point I asked if this call is being recorded, and he replied yes. I then asked why he did n't tell me at the beginning of the call nor did he tell me this communication is an attempt to collect a debt and any information obtained will be used for that purpose. He began to explain to me that his company has a different way of addressing the mini Miranda and that it does not have to be stated exactly that way. Yet, it was never stated. I only knew we were discussing an alleged debt. I got angry and hung up.

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 2015-10-21
Company: U.S. BANCORP
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
My husband sent me a check in the mail using the online-bill pay service through his Bank ( U.S. Bank ). The bank sent me a check dated XXXX/XXXX/2015. I cashed this check at my Bank ( XXXX XXXX XXXX ) on XXXX XXXX. On XXXX XXXX or XXXX - TWO DAYS AFTER I CASHED THE CHECK - my husband placed a " stop check payment '' on the check. My bank reversed the transaction and said that I owe them {$300.00} because U.S. Bank refused to honor the check. I looked this up, and found out that under Regulation E of the EFTA, this was not merely a " check '' - but that such payments are actually defined as " Pre-authorized Remittance Transfers '' by 12 CFR 1005.30. This is supposed to limit my husbands right to cancel the transaction to 30 minutes after he made it, since it was scheduled more than 5 days in advance. I and a refund of the fee I was charged by XXXX XXXX XXXX for a returned check. I also want U.S. Bank to honor the remittance transfer ( which they insist was just a check ). Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: MO
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Medical XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX PL XXXX XXXX XXXX MO XXXX XX/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 non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2016-12-14
Company: SYNCHRONY FINANCIAL
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I contracted with XXXX XXXX for {$1000.00} financing for a tile floor. The company took two days to lay the floor, and did not complete the contracted work, as well as damaging my walls. I complained to Synchrony Bank, who said that I can only make a complaint and stop payment to XXXX after I give them a chance to complete the job. After the job was partially completed and XXXX left, I complained to Syncrony Bank, who then told me that the company said that they completed the job and are paid. Syncrony Bank said that there is no way for them to receive my evidence of the noncompletion and the damages because XXXX is the customer and not me. They advised that I have to allow them to charge off the account if I do not intend to pay what they paid XXXX. I had to take a hit to my credit because of the collaboration between two dishonest companies, and am left with the cost of damages to my home. I made several complaints to XXXX, and they repeatedly postponed responses and coming to see the damage. I received no communications or bills from Synchrony Bank until I received a subpoena, and the lawyer presented my case as a nonpayment of a revolving credit card, and not the financing by XXXX. I have no revolving credit card from Syncrony Bank. Now, Synchrony Bank has subpoenaed me and wants to claim property.

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 2016-12-27
Company: U.S. BANCORP
State: RI
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fees

Complaint:
I have a {$100.00} Visa gift card I was saving to purchase a new computer model when it became available. I held the card for a few years. When I went to use the card it had {$6.00} dollars available. Well I did not read the fine print about having to register the card and pay an inactivity monthly charge. I was disgusted and felt robbed. The card was used well within the expiration date. I think the consumer should be protected from this thievery. I will never buy another Visa gift card. The consumer should be protected from this type of gift card policies.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 2022-07-27
Company: Experian Information Solutions Inc.
State: OH
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX  XXXX Date of Inquiry : XX/XX/2021 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.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
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, the item listed below has violated my rights. 

INQUIRIES : -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 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 an 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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX XX/XX/2022 XXXXXXXX XXXX  XX/XX/2022 -XXXX XXXX  XX/XX/2022 -XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2016-02-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I requested to close my cc account, pay balance in full and refund annual fee of {$89.00}. Barclays Bank refused to refund the annual fee because my request was 5 days late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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:
The car was in total loss. USbank allow me to purchase the vehicle and I purchased. I had to contact them because they never sent me the title. Couple of times they informed me that they sent me a titel but they never did. I reached out to them and they are saying the coverage have to be paid from the car insurance company. They told me they are going to return my money when they receive money from the insurance which was about XXXX more than the actual remianing pay off balances. 

They returned my money and top of that they sent me XXXX for the troubles. 

BUt not they are sending me another bill for deductable amount of {$560.00}.

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 2016-05-05
Company: NVR INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I signed an agreement to purchase a new construction loan from a builder. The builder has an associated lending company. I decided to shop around for a better mortgage and found a great rate with the same bank that services my checking and savings accounts. However, the builder claims to provide a significant incentive to use their lender. On the associated lender 's GFE for the loan, it shows that I would be responsible for the traditional XXXX % of transfer taxes and then shows a much lower seller credit than the claimed incentive. When I asked about this, the associated lender explained that the majority of the incentive is applied to the portion of the transfer taxes traditionally paid by the seller, then the remainder is applied as a seller credit. I took this as a marketing tactic and brushed it off. When I presented the builder with the loan estimate from my bank, they said that it was a bad deal and that I would miss out on the incentive and would have to pay the full transfer taxes if I proceeded. I think that this is a very deceptive practice and I do n't feel comfortable being strong-armed into paying more by using a different lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: UNITED GUARANTY CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I owed {$7200.00} ( {$4800.00} principal and {$2400.00} interest ) to United Guaranty and they were collecting. I have never heard of this company and do not have any unpaid loans. Upon calling to inquire I was told that this was a student loan of my daughter 's that I had cosigned on from XXXX XXXX XXXX University in XXXX where she attended in XXXX. She has not had anyone contact her from this or any other collection agency and is currently making payments on her student loans monthly.XXXX XXXX told me they did not have to contact her because I was a cosigner of her loan and I was responsible for paying. This is the first I have heard of this issue and it seems shady to me since it was over 10 years ago and no one has contacted me about it or contacted my daughter. She is paying her loan so this seems like a scam of some sort.

Company response to consumer: Closed with explanation