BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX I loaded {$60.00} on a XXXX  prepaid debit card to pay my phone bill. I asked the cashier at XXXX before I did that if it would be ok to put it on my old card since I hadn't activated the new one yet. And she said that would be fine, she took the cash and swiped the card and the transaction went through. She gave me 2 receipts and I went to pay my bill and it got declined. I went back in the XXXX and told her it didn't load she said well maybe you should activate your new card and then it will be on that one. So I did this, and still nothing happened. Then I asked to speak to a manager and she said " you just got ripped off '' and that they couldn't help me. I called the XXXX card and finally got someone and told them what happened and they said they do not see where the transaction came through and that they couldn't put the money on the card nor refund my {$60.00}. Hopefully you can help me get this resolved soon because my phone bill isn't paid in full and I need this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I was pre-approved to finance two properties with Better Mortgage. I guess I should have paid attention to the first indication of lack of professionalism this company has when they couldn't distinguish between the two properties with their platform. I ended up dropping the primary property due to the confusion and that's where the nightmare really began. As a result of dropping the primary, the dashboard picked up all of the debt and duplicated for the the residence in question. I completed the requests asked of me to payoff accounts, and pay down accounts. I spent the next 12 weeks requesting for the duplications to be dropped and was reassured time and time again that there was no issue. Each time the file went to underwriting, the underwriter, not aware of what was going on, returned the file for the same documents, previously submitted, to be forwarded to them yet again. When trying to talk with the processor about the concerns, it was brushed off as if I still needed to submit documentation. She eventually discovered what I was talking about and then assured me that there was no problem. I then received, the fourth time to underwriting, notification that I still needed to produce documentation. I asked the processor if she could complete the task, as it had already been sent to them. She indicated that I would need to supply the documentation yet once again. During this period of time I was requested to purchase a printer for copying documents, send for a duplicate copy of XXXX tax return, and endless hours attempting to meet their requests. This company does not care about their customers and are not friendly to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: CA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2021-09-21
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX RE : XXXX XXXX XXXX XXXX I was trying to open a bank account and I was informed that I was in XXXX XXXX and EWS. I attempted to get it resolved as I don't recall ever having a delinquent account with XXXX XXXX. I just received a response letter from XXXX XXXX via a CFPB complaint and they are saying that they are unable to verify my identity. If they are unable to verify my identity then that means that they are unable to verify who any alleged accounts associated with my name and consumer ID number may belong to. That being the case, any information that is being reported on me on XXXX XXXX and Early Warning Services is unverifiable an unable to be reported legally. As per section 611 of the FCRA. This inaccurate and unverifiable information needs to cease and desist from being reported immediately and also be deleted permanently. 

All of the alleged account numbers are attached All of these accounts need to be deleted and I am hereby seeking remedy of {$400000.00} for violations of the FCRA section 611 as well as damages for willful negligence and pain and suffering. Please make the payment to the name and address listed above and delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Santander Consumer USA 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: Old information reappears or never goes away

Complaint:
To whom it may concern ; I have a voluntary repo on my credit report. I have hired XXXX XXXX XXXX to fix my credit and try to get this off my credit report, but I have n't been able to do so..The company that keeps reporting is Santander Consumer USA. I feel as if the information they are reporting is incorrect and this is hurting my credit very badly! And my ability to finance anything. From my understanding the account started in XXXX but that is n't true. I bought this XXXX XXXX XXXX sometime in XXXX just before my son was born which was in XX/XX/XXXX. They keep reporting this on my credit and I know the statue of limitations has been passed a long time ago. I would like someone to do an investigation into this and all information about this account to be shown to me or the company I have hired to fix my credit, so that it can be verified by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: U.S. BANCORP
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 information incorrect

Complaint:
My mortgage company reported the wrong information ( said my balance went up to {$97000.00}, almost {$2500.00} higher than it is ) and when I disputed the information they told the credit bureau the information was correct.

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 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Trans Union in inquiry server problems created reinsert inquiries without my knowledge. <P/>Inquiries : XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2020-02-14
Company: JPMORGAN CHASE & CO.
State: AZ
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:
On XX/XX/XXXX I purchased from merchant, XXXX, a media box for {$310.00} to watch several other video features. On the same day I installed the box on my TV and it turned out to be a piece of junk. I immediately contacted the merchant and informed him that I wanted a refund. He agreed to refund, however, I had already disputed the credit card charge with Chase, my bank. Three months later I receive a letter from Chase that the charge was valid! I disputed again on the same day and I faxed Chase all the documents again to substantiate my dispute. However, yesterday, XX/XX/2020 I received another letter from Chase that the charge remains. I immediately called Chase ( XXXX ) and spoke with XXXX. I asked why and she said because I was too late in responding and nothing can be done at this point. I FAXED ALL OF MY SUPPORTING DOCUMENTS ON THE SAME DAY! I spoke with her supervisor, XXXX, and he said the same thing regardless of my complete documentation. I asked the number for the corporate office and he said he did not know it! However, I could fax another letter. I called credit card customer service ( XXXX ) XXXX ) and they said nothing can be done. I asked for supervisor and was left on hold for over 30 minutes. Then some clerk came on and said no supervisors around and it was closing time! I have been banking for over 50 years and I have never filed a complaint against any financial institution until now. CHASE HAS THE WORST CUSTOMER SERVICE EVER! I will be soon be conducting all of my banking with XXXX XXXX. Please see all of the attached documentation that I submitted to Chase, which they chose to ignor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I attach a letter with specific details about my file. Essentially, Citibank NA appears to have closed a checking account with an account balance of close to USD 1,000 balance. 

Repeated written requests for information have gone unanswered. This is unacceptable corporate behaviour. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: WA
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:
so they keep saying they haven't received documents police report I sent those by mail as to well you XXXX XXXX Equifax XXXX you guys just sent statement. no attachment so I have had my mail tampered with but can you I'm sending these letters of proof and legal documents from irs .can you have have all XXXX XXXX Equifax remove these as these have been taken care of .late payments and are illegal. and they need to pay for violations they have committed for the past year .fraudently allowing reporting of false information removing account after viewing police report FTC .changing and altering an old personal statement I did not not authorize.as well XXXX XXXX is not my grantor. each reporting agencies need to pay these fine for damages due as laws state XXXX per violations and willingly and knowingly reporting wrong information and law states re investigation 15 days most cases 3 to give. it's been over a year they have caused me to be judge and discriminated against for their false doing as if you look on public record I am a XXXX  creditor.. I never gave any agency or buissness to report false illegal information on my report. and reporting information to buissness to be denied as they stated and one Bank showed me what they reported and I compared my report information I know nothing about I need late payments removed every account as in payed as agreed. and if they can't do this with in 3 days as well each agency pay for damages not ones they fixed. but one they neglected and causing my household harm and injury.i sent affidavits 1009a also XXXX XXXX  debt discharge so these agencies not removing this immediately as laws states criminal and civil charges will be filed in 3 days of receiving I have every right. deceptive buisness act I asked each Agency for every application validating what they are wanting report .only thing they report is damaging illegal. I was told to pay my bills I won't have this issue. funny 1099a and 1099c they not well up-to-date on. and stop telling people wrong info. I save d everything over last year audio chats certified mail receipts. I have more than enough because of these agencies my kids have to go with their mom. I can move foward in life and being willfully injured because of them .and it needs to stop. they have 4 days to fix and 7 days I sent attached invoice for damages that I need to receive which I'm entitled to or I will be moving forward with charges and material facts and all complaints sent to you and little has been done. today they fix and pay that's it or charges are being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
0n XXXX-XXXX-2017 i Purchased a 123 Rewards Gold Debit Mastercard ... Placed A XXXX Dollar Bill In Cash On The Card at XXXX XXXX, OH Where It Was Purchased ...
<P/>
Later That Day I Called The Number On The Sticker That Was On The Front Of The Card And Activated It ... Found Out During One Of The Phone Calls, That The Accounts The Card Originates From Is US Bank ....
<P/>
I Tried To Use The Card Twice For Transportation Expenses and It Kept Coming Back Declined ... When You Call And Check The Balance On It It Says The Entire XXXX Dollars Is Showing Still On The Card ... ....
<P/>
After A Few Phone Calls ... The Pretty Much Tell Me That The Card Cant Be Used To Pay Bills Or Be Used At An Atm ... .. They Force You To Shop Online With It .... A Total Fraudulent Scam Card Through US Bank .... They Need To Be Reprimanded For Stealing Peoples Money And Making It Nearly Impossible To Aquire The Funds Placed on The Card ... .. US Bank Needs To Be Aware That It Is A Scam To Issue A Debit Mastercard That Wont Work At Any Atm A Total Fraudulent Scam From US Bank ...

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 2017-07-11
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems claims that I owe the amount of {$3000.00} on or about XXXX XXXX, 2011. <P/>I would like to be provided validation or a contract from this company for the said debt. I do not have a contract with this company, also this company does not have an active license to collect debt in the state of Indiana.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchase my vehicle in XXXX. In XXXX, XXXX and XXXX they didn't report anything to the credit bureaus until I filed a dispute. Each time they only reported some of the information to some of the credit bureaus and that was only after I filed the disputes. I spoke with the company and asked them to please provide information because it showed I had outstanding debt over XXXX XXXX Multiple people yelled at me. They said I was lying because they report to the credit bureau every month. After filing disputes the information was finally gathered and since the last dispute they change the information from the past from being negative to positive back to negative. Because of them doing this I am unable to refinance with another company because it has damaged my score so bad. I have bank statements showing every transaction and screenshots showing them going back-and-forth on my credit report changing months from current to delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am with well fargo. And i have be hit woth 8 overdraft fees this month alone. 35 dollars each, i am a US veteran and my payment for my gi bill and books had came in 11 days late. This caused a multiple of small transaction such as XXXX, XXXX etc. I had contacted wells fargo and tried to explain what happened to see if they could reverse some of the fees and they only credited me XXXX dollars. This caused me to nnot pay my rent and i am still negative XXXX dollars

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 2018-01-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Representative of company came to my elderly mothers door and sold her a loan for which he claimed the government would pay for. Included in this loan was an option to purchase life insurance. My mother purchased life insurance and amount was included with loan payments thru XXXX. XXXX  sold loan to another company etc etc. Loan is currently thru XXXX XXXX XXXX XXXX. My mother XXXX on XX/XX/XXXX 2017. I contacted XXXX XXXX XXXX regArding life insurance and was told they had no info On life insurance and was unable to access original records of XXXX so therefore life insurance could not be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2017-07-12
Company: Experian Information Solutions Inc.
State: ME
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:
OnXX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: TN
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 filed a dispute with the credit bureau because the debt being reported is old and statute of limitations has run out. However the creditor has changed the dates to make it look newer. But when I disputed it the credit bureau didnt change anything and said the debt was valid.

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 2021-04-14
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having problems trying to prove my father in law 's death. XXXX XXXX XXXX XXXX died last year in XXXX due to XXXX. I have presented all financial documents for a loss mitigation review. However, to this date, proving my father in law 's death is holding up the review. I want to go forward with this loss mitigation review. I want the XXXX of the XXXX, or whatever higher office Mr. Cooper has to help me achieving my desire. I have extended my forbearance plan for three months.

Company response to consumer: Closed with explanation