BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-04
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had ongoing issues with the servicing of my XXXX XXXX XXXX XXXX XXXX XXXX for almost four years. I have provided great detail in the attached document to assist Barclays in understanding the depth and breadth of the issues, but to summarize for the purposes of this submission form, my complaint pertains to the following : 1 ) Incorrect credit card numbers tied to my account ; 2 ) Incorrect persons named as the primary and authorized users on my account ; 3 ) Refusal of Barclays to update my name on my account to my married name despite my having submitted all required documentation ; 4 ) Years of website issues constantly preventing me from accessing my account ; and months of new issues preventing me from using most features of my account. These issues occur regardless of browser and regardless of device. I can not see or print statements ; can not see or use earned miles ; can not pay my bill online, etc. IF I am even able to login, I get errors " Ooops! That was n't supposed to happen! '' or " Uh oh! Something went wrong. Please try again later ''. 

Again, you will find that I went to great detail in the attachment in providing background in hopes that it will assist Barclays in finally getting to the bottom of these issues. After four years of frustration and lost time, I hope to see resolution to all issues very soon.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They closed my account but added accounts I didnt contest too

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 2022-08-08
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX addressed to the Credit bureaus requesting to remove the NAMES, ADDRESSES, and Public Informartion that is UNKNOWN to me. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. If XXXX and TransUnion choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. I need the Credit Bureaus to please remove the disputed items completely from my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 2019-02-14
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a 2 party loan with XXXX XXXX. There is a deceased party on the loan since XXXX. The finance company was made aware of the issue, provided a death certificate in XXXX. 

The company has policies and procedures that they follow in regards to deceased borrowers. They are stating that due to the deceased borrower on the account their Customer Assistance team is not able to process a deferment on my loan. 

With my knowledge of working in the auto loan industry, a deferment can be processed for any borrower listed on the contract of the loan. Even when there is a deceased borrower on the account. I only have to provide them with notification of the deceased borrower which was completed in XXXX of XXXX. The vehicle is not on a single party loan and therefore I do not have to submit Fidicuary documents. 

On XX/XX/XXXX, I contacted the company and was denied the ability to process the extension due to the above scenario. I was advised that I would be contacted on XXXX by a manager that would ensure that the situation was resolved. No follow up happened from the company. 

XXXX I contacted the customer service department and information was collected, transferred to deceased handling that ensured me that I was eligible for the assistance. Transferred back to customer assistance team only to be denied of the assistance and the processing of the deferment due to the same error. 

I will now have my credit reporting hit for 30 days past due to unjust handling of my loan that is an error of the company. 
I feel that my loan is being discriminated against due to the deceased borrower and being handled with the fairness and consistency of other two party loans without a deceased borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX {$34000.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX XXXX XXXX Amount {$2900.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX  Amount {$7300.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft Hard Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS 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 2018-02-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of credit fraud. I have requested under FDRC act to  obtain proof that I gave authorization for credit inquiries. The customer rep did declined to help me. Ive 3 different written letters to all three bureaus re : 16 inquires on my reports and nothing have been done. Ive called. Nothing. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: GA
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 was advised to contact you all regarding two items on my credit that is not mine XXXX XXXX  and XXXX. I reached out the my local police department and the FTC. I really need help to get these items off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was advised to contact you all regarding two items on my credit that is not mine XXXX XXXX and XXXX/XXXX. I reached out the my local police department and the FTC. I really need help to get these items off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: LEXISNEXIS
State: GA
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, GA XXXX My name is XXXX XXXX, I am not an attorney or a third party, I am filing a CFPB Complaint on my own behalf because it is my legal right to do so. I have some accounts that were reported as late during the COVID Pandemic Shut Down. I was told to file a dispute due to the fact we ( U.S. Consumers ) were under the protection OF the CARE ACT. The XXXX XXXX protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020, that allows for accommodations. The following accounts were reported as late XXXX XXXXXXXX XXXXL # XXXX COVID LATE, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/2020, XXXX XXXX XXXX SERVICE # XXXX, CREDIT XXXX BANK # XXXX COVID LATE, XXXX XXXX # XXXX XXXX 2020 XXXX XXXX Please remove the late pay status asap. My income was affected due to the Pandemic shutdown from XXXX. 
I have some issues with unrecognized addresses on my credit file please delete remove the following addresses : XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX have inculed my id and mail for proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had our monthly payment of {$370.00} automatically withdrawn from our checking account since XXXX XXXX with no issues. On XX/XX/XXXX our credit union XXXX XXXX XXXX XXXX XXXX XXXX contacted me by phone stating Select Portfolio Services , Inc. was attempting to withdraw monthly payment from savings account. I asked XXXX  representative to if it could be paid. XXXX  representative noticed amount comes out of checking account monthly, we haven't made any adjustments with mortgage company. In XXXX Select Portfolio Services , Inc. attempted to withdraw monthly payment, and again they were attempting to withdraw from saving account. However, this time credit union could reach me, so they rejected payment. Upon speaking with credit union, they informed me Select Portfolio Services , Inc has all the right bank routing numbers and checking account number, but they are coding it on their end as savings account. My wife contacted Select Portfolio Services , Inc. in first part of XXXX and spoke with a representative. During her conversation, she gave representative bank routing number and checking account number, which representative verified were correct. My wife requested them resetting our password because we forgot our log in, representative did. My wife made a payment by phone. In XXXX I received notification from Experian Credit Bureau indicating I had an agency report a negative action, it was Select Portfolio Services , Inc. We received a letter from Select Portfolio Services , Inc. in late XXXX stating payment couldn't be made. I contacted Select Portfolio Services, Inc. on XX/XX/XXXX and spoke with a representative. I explained what happened, he informed me my banking information is coded as a savings account. I reviewed routing number and account number, which were correct, however they are checking account information. He explained the only way it could change to saving account is if we go online and change it. I explained we haven't been online, he stated someone logged onto our account on XXXX XXXX, XXXX at XXXX and changed information from checking to savings. I explained it wasn't my wife or I because we didn't know our log on information. I stopped auto pay through Select Portfolio Services , Inc. and have set up auto payment through our credit union. I requested to make missed payment, representative told me it would be a {$15.00} fee. I disagreed because error was done on their end, he told me I could mail a cashiers check or certified check. I asked to speak with supervisor, when supervisor got on line, she explained same. I asked to speak with her supervisor, and she agreed to wave fee this time. I inquired about credit reporting and she said nothing could be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fees

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 2018-04-15
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to a recent refinance, LoanCare has my loan. In my opinion, they use a coercion mechanism to deny customer the right to a postal statement. In particular, I can't see any online statements at www.myloancare.com, unless I agree to accept 'estatements ' thereby losing my right to a postal statement. 

Result, IF the postal statement is wanted ( it is ) then looking up the statement online, is barred by LoanCare. 

FURTHERMORE, they do NOT mail the postal statement timely. I want to pay the loan by the XX/XX/XXXX of each month ( 10 days early ). I typically don't have their postal statement, AND I can not look up the eStatement online either. The result is I have no statement at all, neither electronic nor postal, when I'm ready to submit payment ( typically the XX/XX/XXXX ). 

I've had MANY mortgages ( and credit cards ) in my life, and never experienced this type of blockage against postal statements, NOR blockages against looking up statements online. 

All attempts to resolve this with Loancare fail absolutely. They are uniquely unhuman and unhelpful. Now they changed my statement headers to " XXXX '' apparently moving my loan servicing to another subsidiary. The tight timing to my objections, suggests they changed the company name on my statement, to 'cover their tracks '.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Kashia Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Payday loans with this amount of interest or illegal in my state which is Virginia. I applied for a short term loan which was {$400.00} in XX/XX/2018. They are charging 720 % interest claiming they are operating under federal tribal law. In Virginia it is a class 2 misdemeanor to charge this amount of interest. I am attaching pictures. What they are doing in my state is illegal. Offering internet loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: NAM National Arbitration and Mediation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Receiving numerous voicemail threats that company will come to my home or my employer to serve me with papers and is going to to contact my employer and failure to be home between XXXX would be considered a refusal of service and lawsuit would continue without me. Also that they would pursue legal action against me. Did not state name of company. However, he did state his name, XXXX XXXX. He called from private numbers but left a number on several voicemails, ( XXXX ) XXXX. No one came to my home and no one came to my employer.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for Chase XXXX XXXX XXXX XXXX Card through an offer that came in the mail that promised XXXX bonus miles ( see attached pamphlet ). 
Even though I used the exact website indicated, signed up before the deadline and met the minimum spending required, I never received the promised XXXX bonus miles. I received XXXX, which is their more standard offer. 
I contacted Chase even before the 3-month spending period to make sure XXXX would be awarded, since I didn't see any indication of this in the site at the time of signing up. I was told to wait the three months. 
I contacted Chase again 4 months after opening the account ( and meeting all the minimum spending requirements ) and was told I wasn't eligible, without an explanation ( see letter attached ). 
I followed up recently and was told that because my account has been open for more than 3 months, the offer can not be awarded!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: LA
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:
My XXXX XXXX account has been closed and has inaccurate information and different data between credit bureaus. Furthermore Consumer Law requires fair and truth in Lending and confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off the balance and they continued to charge me an interest rate after the balance way paid in full. when I called them they said I paid it off late and I told them to close the account. their automated system is still calling me after I had them close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14
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:
I recently addressed illicit reporting of my XXXX XXXX debt to Transunion, via the CFPB Website. Transunion stated an investigation would transpire as affirmed by their response. In the midst of the investigation Transunion updated my XXXX XXXX   Account to reflect in Collections and my credit score plummeted. This occurred between XX/XX/XXXX & XX/XX/XXXX.

This is part of the settlement agreement with XXXX XXXX   was to reflect my account as paid and in good standing. This was after it was discovered it was there error to begin with resulting in a XXXX refund to me. CFPB compliant will confirm this.

We now have a credit reporting agency taking matters into there own hands with no real vestment in the outcome other than to what? As an act of retaliation because there own practices were non compliant to begin with as reported to the CFPB.

Both XXXX and XXXX have modified my accounts accordingly as instructed by the party who " suffered the loss '' not who got their hand slapped for non compliance. This isn't your right.

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 2019-02-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have over paid XXXX XXXX by {$360.00}. 
I first called XXXX several times over several months and they stated that the extra XXXX payment is not in their records. 
However, during the same period I called Citi several times and they confirmed that my account statements showed that the funds did come out of my account After speaking with both XXXX and my bank Citibank on numerous occasions, including having my Citi rep on the phone with a XXXX rep on two separate occasions, and including both having my Citi rep fax over my bank statements to confirm that the funds were paid to  XXXX, both companies have refused to make me whole. 
I disputed the charge with Citi and they said that because the transaction was made 4 months ago, that they could not make me whole. Although throughout those 4 months I had been on the phone no less that 15 times  with both XXXX and Citi trying to fix the situation. I am requesting that I be made whole and I would like to only pay for the services that have been rendered to me, and not {$360.00} extra. Thank you.

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 2019-02-15
Company: Experian Information Solutions Inc.
State: GA
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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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