BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
They wouldn't listen to me regarding this one purchase even after I.D . theft had been proved. It was from XXXX and therefore must be mine. They advised I go ahead and pay for it and it would be refunded later once the I.D . theft had resolved. They then went and reported me as 30 days late after telling me they would wait for the resolution. By the way, the theives also bought something from XXXX on one of my other cards and the card refunded the money to me immediately. Wells Fargo has had many complaints about their business practices and now I see why. I just want the 30 days late removed.

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 2018-10-24
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Barclays Bank Personal Loan Mail solicitation for Personal loan fixed for XXXX months up to {$35000.00} Rates starting at 4.99 % I received a print ad on XX/XX/XXXX that does not expire until XX/XX/XXXX. The ad states that XXXX XXXX ( me ) has a pre-selected confirmation. 
For Fixed APR as low as 4.99 % with no fees I was issued an offer code to input and directed to www.barclaysloanoffer.com.

The site immediately states 5.99 % is the lowest rate ( before I even enter any personal info or invitation code ) After, entering the invitation code. The site asks some personal info but does not ask for permission to run credit check.

Then I was give 3 options to choose in order to move forward which were much higher than the solicited rate ( note : I have excellent credit ) The site states that if I choose one of the options a credit check will be performed but will not ding my credit score. There is no option to move forward unless a much higher rate is chosen. 

After calling the customer service # I was told by the rep that the solicitation " is no longer valid and lowest rate is 5.74 % because of prime rate going up '' additionally, I was told that " the marketing department generates the solicitations months ahead of time ''. After, requesting supervisor XXXX rep # XXXX. I was told that the 4.99 % was expired and now lowest is 5.99 % however she then changed her statement and said the 4.99 % was only available to a private few who received the solicitation. 

I was told I must have not have high enough credit to qualify for a better rate and then transferred me to the finance department. 

Another supervisor XXXX rep # XXXX claimed my credit score was XXXX and that qualified for the much higher rates. However, when I asked what was needed to qualify for the 4.99 % rate advertised she said she did not know and at no point could tell me the requirements needed to qualify for the advertised rate. Also XXXX acknowledged mistaken statement by other reps and said internal training would be done! but would not honor my advertisement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To Whom It May Concern : PLEASE RESTORE MYEQUIFAX.COM ACCOUNT. WHEN I LOG INTO MY ACCOUNT, I CAN NOT SEE ANYTHING WHEN I LOG INTO MYEQUIFAX.COM ACCOUNT. THIS SEEMS TO BE AN ONLINE WEBSITE TECHNICAL ISSUE. PLEASE FIX THIS. I CAN NOT SEE MY REPORT, MY SCORE, AND ALL MY INFORMATION IS WRONG. PLEASE CORRECT AND UPDATE MYEQUIFAX.COM ACCOUNT PLEASE. I HAVE CALLED MULTIPLE TIMES OVER THE PHONE AND NOTHING HAS NOT BEEN RESOLVED. I WAS TOLD THE TECHNICAL SUPPORT TEAM WOULD FIX THIS, BUT IT HAS BEEN OVER 1 MONTH SINCE THIS ISSUE HAS NOT BEEN FIXED. PLEASE FIX THIS ISSUE. I HAVE ATTACHED PROOF. 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Cottonwood Financial Ltd.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I made a payment arrangement of {$60.00} per month on a little over {$1000.00} balance I owed to The Cash Store located in Post Falls, ID.XX/XX/XXXXwas supposed to be the next payment and it was not debited from my account so later in XXXX I made a {$120.00} payment, {$60.00} for XXXX and {$60.00} for XXXX. Granted I talked to two different people for these payments. I immediately started getting phone calls everyday and I ignored them because I know I dont owe anything until XX/XX/XXXX. The Cash Store called me from a different number and I talked to a different lady who said a $ 60 month payment plan was n't their policy on a {$800.00} something balance that has been unpaid for so long. I asked if their other employees were improperly trained and she said " apparently ''. I feel like this is harrassment because I had a payment arrangement set up between two other representatives. I 'm not getting yanked around like that so I hung up and blocked their number.

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 2020-03-18
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Chrysler Capital has illegally repossessed my car. I have received any statements in over a year! I be call and spoke with people and have been making payments every month. I requested a statement of payments and spoke with several people in making my payments. 
In addition Chrysler Capital just allowed me to co sign on another loan through them. They now are saying am 6 moths past due and can not tell me how! The statement I received showed XXXX in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a letter to the Credit Consumer and they have failed to comply with my letter and has not replied. My letter stated the following : I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information above, so that I may follow up. 
2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

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 2022-03-27
Company: EQUIFAX, INC.
State: PA
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:
I have fraudulent accounts on my credit file and would like then removed. Providing you with identity theft report. I have already provided a police report. XXXX and XXXX had removed the XXXX ONEWALL account and I am requesting that you also remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2020-03-18
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. IT IS VERY CLEAR TO ME. THAT MY IDENTITY HAS BEEN STOLEN FOR THESE FRAUDULENT ACTIVITIES TO HAVE OCCURRED. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS TO MY CREDIT, I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 from XXXX XXXX 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. 

I have asked XXXX, and Transunion for proof that this Financial credit network account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that XXXX XXXX and Transunion feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX XXXX XXXX with a response telling me to provide a copy of my Id and social after that no more responses. I have tried calling XXXX XXXX network and they are very rude and mean. and just tell me they are going to sue me and take all my earnings. 
so my question is if I cant get propper validation from XXXX XXXX XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter

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 2022-03-27
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX AND Goldman Sachs Marcus just completed a transfer of the XXXX XXXX ( Credit Card ) and the servicing has been horrendous. 

First - notifications of change in servicing was late ( letter received XX/XX/XXXX for a XX/XX/XXXX change in card ownership/servicing ) providing NO ability to serve the card at XXXX  XXXX OR GS Marcus either online or through their customer service lines. 

Second - GS online servicing is a poor excuse for a servicing capability and is significantly worse than XXXX XXXX. When trying to view authorized users to see if one of my kids is still on the account as an auth user after they got a notification from XXXX XXXX about them being a new authorized user ( incorrect... they had always been an authorized user on our XXXX XXXX ) ; the GS Marcus website stops responding - this occurred. When attempting to call- they're still over 30 days after transfer - providing a message of significant delays in servicing because of call volume. To boot, there appears to be no way to download transactions. 

Third - I believe their marketing material is misleading to the point of UDAAP violations given the lack of transparency that they have significantly reduced servicing capabilities in comparison to XXXX XXXX. 

Goldman Sachs is all sizzle and no steak and it appears to be all about the money. If you're not watching what they're doing here - you should. 

While I wanted to maintain a relationship with XXXX XXXX and the XXXX XXXX- the inability for me to conduct basic servicing capabilities has me removing the card from my wallet. 

Taking this card out of rotation is a choice I feel I'm being forced into making on a card I opened back in XXXX ; so this isn't only extremely inconvenient, but I'm having to do it with one of my oldest cards which may have detrimental impacts on my credit score. 

Others finding themselves in the same situation may not have the flexibility or privilege of multiple cards to swap in like I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: DISCOVER BANK
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/28 I transferred XXXX from my Discover Bank account to a newly opened XXXX XXXX account, unbeknownst to me XXXX XXXX closed the account because I use my XXXX store as a mail address. On XXXX Discover transferred the money on line. XXXX XXXX says that the money was rejected and Discover says they do not have the money. Neither Says they know where the funds are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm a senior citizen over XXXX XXXX XXXX, I apply for a mortgage loan from Citi Bank they hold on to my loan application for more than 65 days, and on the top of that they force me to get an appraisal and insurance for the house that I suppose to purchase, before close the deal or pre approve letter, they made me loose {$950.00} for nothing and after all this wait they denied my loan base on lies and misinformation, I try to solve this issue with the company but I was not successful because I was dealing with a person by the name XXXX XXXX, he refuse to understand that Citi bank employees made a big mistake, when they force me to pay all this money without any pre approval letter and he blame me for their mistakes, Every bank will give you a pre approve or denial letter within a few days after you summit your taxes for the past two years then they will ask you to start spending money on appraisal and insurance and so on but not in my case. 
I lost {$950.00} for their stupid mistakes I would need your help to get my money back.

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 2022-04-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Attached you will find screenshots of 15usc1681a I need all inquiries deleted permanently from my reports as well as any closed accounts and information that is not updated on all XXXX bureaus the same way This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXk XXXX And any other information that goes against the consumer me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX2016, I was admitted into the hospital. I was there for about 6 months. During that time, someone stole my identity and made charges to my debit card. The actual charges were reimbursed, but the fees were not. I called the company concerning my credit card ( platinum Visa ) because my debit card was so easily accessed and I was concerned about my credit card also being accessed. I asked what they would suggest. The customer service representative from card services told me my best option was to close everything because I was still in the hospital and would be for some time. So I agreed to close the card. There was nothing said about the cash rewards that I earned up to that point ; when I asked about them after getting out of the hospital, I was told that they were lost because the card had been closed. Later, I read in the bylaws that I should not have lost those rewards. In addition, since coming out of the hospital, I applied to reopen the credit card account and I was denied because they claim that the bylaws had been changed. They did not offer another card and I was also denied a new account even though I had paid all of my monthly bills in full and their own records show that I owed a {$0.00} balance when the card was closed. In addition, during the time that I was in the hospital, they charged late fees and other fees to my credit card, even though they were aware that I was in the hospital. For part of the time I was in the hospital I was in a XXXX and my counselor called them to inform them of where I was and that I was XXXX. After I regained XXXX, I asked my counselor to contact XXXX XXXX, the manager at the XXXX XXXX branch, and inform her of what was happening and ask that they ensure that all activities, including charges for fees, cease while I remained in the hospital and could not physically handle my business. After I got out of the hospital, I immediately began contacting the bank and discovered they had not done anything to be of assistance to me while I was hospitalized. In addition to that, their lack of compassion regarding these issues was inexcusable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX - XXXX. There is a loan appearing under my credit report that is fraudulent and was never opened by me. Details of the loan show XXXX XXXX XXXX opened on XX/XX/2021 with a balance of {$1300.00} has been charged off.

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 2023-01-29
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:
I opened my credit monitoring account and seen unfamiliar inquiries on my account such as : XXXX XXXX XXXX XXXX XXXX XXXX I tried to call these companies some didn't have phone number to contact therefore nothing was done to fix this issue. 
Also I have never applied for a mortgage whatsoever yet there are number inquires on my report from mortgage companies such as : 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 explanation
Consumer complaint received 2019-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 account # XXXX no contract or signature

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