BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi, this is Regarding a US Bank summer promotion that gives a {$200.00} bonus after doing 2 bill pays of more than {$25.00}. I have yet to receive the bonus after multiple contacts with US bank, here 's a timeline. ( The bonus is maximum 60 days to be dispersed out ) 1. Opened account on XXXX/XXXX/XXXX, shortly after met the requirements of 2 bill pays. 

2. Emailed US Bank on XXXX/XXXX/XXXX regarding when I would be receiving my bonus. Was told thanks, I met the requirements, and that I would receive it no later than XXXX/XXXX/XXXX. 

3. XXXX/XXXX/XXXX still no bonus, emailed US bank they said I have to wait 7-10 more days and are going to " investigate. '' Unfair and unacceptable.

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 2019-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 filed a dispute for a purchase not received with Capital One for {$58000.00}, Capital One has not provided me with a permanent credit. I tried to resolve the problem with the supplier who promised me a credit, which has not yet been issued. The vendor also has not responded to the dispute with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: National Credit Systems,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:
I wrote a letter to the Collection company trying to get them to validate the debt and they did not respond I sent the letter certified with return receipt they did not reply but at the same time I disputed the item with the credit bureaus and they got a response it doesnt make any sense. The company is national credit systems Account number XXXX National credit systems Account number XXXX based out of XXXX Georgia Address XXXX XXXX   XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Experian / XXXX XXXX XXXX XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX because of multiple inaccuracies. 1. In the Open Date sections of this listing. XXXX is reporting XX/XX/XXXX for the date this account was opened. However, Experian and XXXX is reporting that it was open on XX/XX/XXXX. These dates are inconsistent. 2.  In the Account Status sections of this listing. XXXX is reporting that it is a closed account. However, Experian and XXXX is reporting that this account is Open. How can this be inconsistent? Please Delete! 

I understand that any inaccuracy reporting on an account makes the entire account invalid and must be deleted. Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :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 2017-10-19
Company: BTH Management
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Apparently, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, SC. XXXX, ( XXXX ) XXXX? purchased a discharged debt from a company which appeared on my credit a few months ago. The debt is scheduled to be removed in XXXX or XXXX. I telephoned and wrote to the above company to learn more about said debt and/or to remove it from my credit with no response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX, I went into the Hyundai Motor Finance website and noticed that I had two late fees charged that I did not notice before. When I called the company that day, they said my payments were late so there was nothing I could do about this. After getting off the phone with the representative, I did some more research and found that my statements for the months I was charged a late fee had an amount due of {$0.00}, which is why I did not make a payment. In XXXX I had paid {$700.00}, over twice my payment amount, so I thought that is why I had a XXXX balance due in XXXX, but I was still charged a late fee. For XXXX, I am unsure why I did not have a balance due, but I have had issues with this loan from the beginning with the dealership and had to call the dealership in XXXX because I had not received a statement to make any payments after my XXXX purchase. They had never sent in the updated paperwork to the finance company for my vehicle. So I am unclear how Hyundai Motor Finance credited my payments at the beginning of the loan, but I was relying on my statements to tell me if I owed money. I called Hyundai Motor Finance on XX/XX/XXXX to address this and the representative was able to reverse one of the late fees for {$22.00}, but she said she had to send the other one ( for {$22.00} ) for management approval. The late charge for XXXX is still on my account. These are small amounts, but my concern is that I do n't want this to keep happening because those charges can add up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Notified company by mail XX/XX/XXXX, in regard to all the fraudulent inquires that I did not recognize and ask them to remove. have not heard back from them. the dates and name of inquiries are below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: SYNCHRONY FINANCIAL
State: MD
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:
I have not opened a credit card in over a decade. Synchrony keeps reporting false information to the credit bureau saying I have an account in collections. This is not my account and I need this removed immediately

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 2018-05-23
Company: Weinberg Mediation Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I've been contacted by this company by the name of Wynberg/Wineberg Mediation Group from the following phone numbers XXXX,XXXX,XXXX even after repeatedly asking them over a course of two months they still call me on my cell phone and leave messages all the time I am sick of this at least 4 to 5 times a day threatening me with jail time and lawsuits I just want to know why it hasn't been stopped I've seen dozens and dozens of complaints about this when I research the various phone numbers they call from and to no avail I want them to stop stealing customers information and identities and trying to collect debt illegally there should be some jail time behind this!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
MY IDENTITY WAS STOLEN AND USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME.

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 2018-11-23
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Purchased Used vehicle XXXX contract amount was XXXX @ {$740.00} per month for 60 months. Santander has us still owing {$23000.00} as of XXXX, Current statement has owing more than we borrowed and have made payments. I think that is impossible. 

We have contacted them numerous times over the last year to ask options and we have 2 options. 1- turn the car in under a repo and get sued for balance or 2- pay off the balance. We are on a fixed income and no longer can afford the car loan, as it should be paid off and then some. 

The value of the car is less than 9K at this point. Abusive lending practices.Extreme lending rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: DE
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 sent out a round of letters to each credit reporting agency XXXX Equifax, XXXX  and XXXX  XXXX requesting that all collection accounts provide : The name and address of the original creditor, the account number, and the amount owed.Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. I requested ALL information over 30 days ago an have not received any information from any credit reporting company to validate the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Experian Information Solutions Inc.
State: IL
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:
Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through experian, XXXX and XXXX systems i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.

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 2017-10-19
Company: CFS ACCEPTANCE
State: CA
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:
Hello I decided to get A car from a dealer in year XXXX and had to pay a company called Cfs acceptance The payments were made monthly in the amount of XXXX $ sometimes XXXX $ monthly since XXXX/XXXX/XXXX I never bothered even thinking that once I paid off my car I was not going to have car title. I paid for it so I deserve my car title I attempted to call text email, going to their place and they were never there I waited and waited it 's time consuming, stress, ca n't sleep I want to know what can I do so I can get my car title one of the front desk ladies from cfs acceptance company told me now you will be making payment to a new company called XXXX XXXX XXXX so I asked why and how schould I make the payments same way you are now she says so I did I never had a problem with them so I made my payments through the XXXX XXXXXXXX XXXX I call cfs acceptance she gives me XXXX XXXX phone number so I can know my balance because I realize I think I over paid my car I schould be done. By now since I made calculations on my calendar So I call and XXXX XXXX XXXX says we have n't received payments since XXXX XXXX I 'm like wait a minute their must be a mistake so I have receipts of all payments made to cfs acceptance and where is the money that was deposited in XXXX XXXX card since XXXX who kept funds? Since they were never transferred to the new company since they were taking over I do n't understand I told XXXX XXXX my situation and they ca n't do much for me even if I sent them my receipt proof of payment they never received any payment since XXXX so according to them I wo n't be credited for amount paid please reach out to me and let me know what schould I do what will be next step

Company response to consumer: Untimely response
Consumer complaint received 2019-07-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, I was on a medical leave of absence from my employer XX/XX/XXXX/XX/XX/2016. In late XX/XX/XXXX i went back to work. In XX/XX/XXXXI was behind on 2 loan payments which I emailed the company about not sending payment in for.processing. but they still came through. Wells fargo is my bank. The 2 transactions were {$9.00} and $ XXXX.instead of the bank paying those they sent back and started charging me {$35.00} fee.  Every week those same 2 transactions try to.come out because I get paid on Friday weekly. Wells fargo continues to send back and charge me XXXX each. Now over {$500.00} in fees. I did manage to get some of it back from when I was.out of work. I dont think this is fair. I asked the bank over a month ago to close my acct via email. Still open and charging me these fees. I again have reached out to the loan company about not submitting they are working to stop it. I had overdraft added to my acct prior to any of this happening and wells Fargo is not.honoring it. I have removed my direct deposit from that bank. I would greatly appriecate it if you could have this stopped. They are going to get my account so high with overdraft fees and close it hurting me financially. Please help me. Im so frustrated.

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 2022-05-04
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:
all 3 cr burs are coming up with wrong info on me, there are no public records of debt, medical debt the creditor did not ans insurance co inquiry and i am not paying it so these need to be corrected, XXXX XXXX notify them that the debt was paid,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several letters to BOTH credit bureaus- TransUnion and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified AND claims the it legally meet FCRA requirements but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', XXXXaccount status- ONE BUREAU IS REPORTING OPEN and THE OTHER IS REPORTING ACCOUNT CLOSED '', ''dispute status '' and ''date of last activity ''. NEITHER BUREAU IS SHOWING AN ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS.

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH bureaus and XXXX XXXX XXXX  I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am interested in disputing all inaccurate information on my credit report with transunion.

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 2022-05-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK
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:
due to the covid-19 i field with my mortgage company forbearance starting in XX/XX/XXXX as i understand under the cares act they where not to report late or delinquencies. 
they did report from XX/XX/XXXX to XX/XX/XXXX as delinquent. 
i called ti fix it on XX/XX/XXXX they said they could not. 
during the forbearance i made what payments i could, when it ran out they had me file a modification loan. i was told that my interest would drop to around 2 %. it took months and during that time was told to hold off on making payments until the paper work was done. when i received my paper work they did not lower my interest rate it stayed the same the just but what i owed to the back of loan. 
they did not do what they said they where going to do. i just want all the late and delinquents off. credit report showed - 49 % from them Carrington mortgage

Company response to consumer: Closed with explanation