BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX and XXXX XXXX XXXX XXXX are currently double reporting on my credit file. Also, this should NOT be reporting as a charge off. This is in clear VIOLATION of the FCRA.

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 2021-10-22
Company: SE Capital Corp dba Credito Familiar
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, i applied for a loan at a company called " credito familiar ''. I originally applied for {$5000.00}. After, checking my credit, via XXXX, " XXXX XXXX '' a customer service representative from the financial institution, calls me on XX/XX/XXXX to tell me that i qualify for a smaller amount, {$2000.00}. I agreed, and she then tells me to send her, all required evidence, paystubs, letter from employer, proof of address etc..soon after that, i called to get a payout date, and XXXX XXXX XXXX tells me that according to my paystub, i dont qualify. I told her that my net pay on my paystubs, reflect smaller amounts, but that i had allotments, to different accounts, and they were part of my net pay. I work for the postal service, here in the commonweath of XXXX XXXX. Perhaps, my paystubs are different from everybody else, here in XXXX XXXX, but they are not grounds for denial.I was being considered for a smaller amount, but according to this financial institution my paystub was the reason for denial.I called the institution on XX/XX/XXXX, and spoke to the manager in charge, XXXX for reconsideration. She then tells me, that i was denied, and mentions something else about my credit, to justify their denial. It was plain and simple, discrimination, for being a federal employee in a commonwealth. My credit had nothing to do with it, or else i would not had been ask to send all my personal paperwork, by the institution. All my allotments, for {$1000.00}, {$800.00} {$300.00}, are part of my salary.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, 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 started by disputing with the collection company XXXX XXXX which is the collection agency my debt has been sold to. When doing so they just said that they verified the account on their end. Which is incorect according to the dates I have on file. 
The Name of this account is XXXX XXXX Acct # XXXX. 
I then disputed with both Equifax and XXXX twice about this account that is past the Texas Statue of Limitation which is currently 4 years.

In my disputes letters I stated that not only are the dates wrong of when it says the account was opened but it is also past the Texas statue of limitations. Each time I have disputed and provided the documentation from the original creditor that shows this account was opened XX/XX/XXXX. Both times that I have disputed these items they come back as verified with the credit bureaus. The only thing that seems to be updating on these accounts is the date when the account was opened which they currently have as XXXX, XXXX which is innacurate. Each time I have diputed these dates have been randomly pushed forward. 

When I called these organizations to get a better understanding of why they were coming back verified, I was litterally told that the credit bureaus do not actually verify this information themselves and that they send it to the collection agencies to verify but no actual investigation is done on the credit bureaus side.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello. On XX/XX/2021, I submitted my financial information to XXXX XXXX who then forwarded it to Citizens Bank, the company writing the loan. I submitted bank statements, tax returns, mortgage statements for a previously purchased property, and pay stubs. On XX/XX/XXXX, I explained to the loan officer that my husband hadn't been employed for 6 months because I knew that could be an issue. She asked for an exception letter, which we provided. The letter explained my husband hadn't worked due to Covid closing schools and him staying home to take care of the children. She stated it was good. In mid XXXX I asked if the exception letter was approved and she said yes, we were all good to go. I don't know if she lied or if Citizens Bank lied to her and said that. 

On XX/XX/XXXX, we received our Closing Disclosure from Citizens Bank stating our actual costs needed. We were supposed to close XX/XX/2021, so that put it 3 days from closing, like it is regulated. On XXXX, XXXX, the day before closing, we were told we weren't clear to close due to my husband 's length of employment. We didn't understand why that was an issue the day before closing since we had disclosed that information in the beginning and were not only pre-approved with that known, but also told the exception letter about his employment was accepted. We had been allowed to pay for so many things when they knew from the beginning we weren't going to get the loan based on the information I provided. 

The day after we were supposed to close, XX/XX/2021, we received our Notice of Action Taken. This notice should have been sent well before this. The reason was due to employment history and insufficient income. Both of these reasons should have made it where we wre n't pre-approved. We should not have been told repeatedly we were getting the loan if those were the issues. 

Nothing changed with anything in our finances or employment from the time we were pre-approved to the time we were supposed to close. 

I'm not even sure how insufficient income is a reason since our DTI with the house we were trying to buy was 30.52 %. 

We terminated our lease agreement since we were given verbal confirmation that we were " for sure good and getting the loan. '' Now, I have to be out of my apartment in 9 days and I have no house to move into. 

I am attaching the contract for the house, the letter of intent given when we had already provided an exception letter for the employment history, Closing Disclosure, and the Notice of Action Taken that was given the day after the closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: U.S. BANCORP
State: FL
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/21 I went to my local XXXX to withdraw {$200.00} from an atm at that location. The transaction completed, a receipt was provided, however no money was dispensed. I informed a clerk at the store. The ckerk stated the atm was having " issues '' for the last few days and I needed to call the number in the atm. When I called the atm company they informed me I needed to call my bank. I went back home, called my bank, US Bank. US Bank provided a provisional credit while they researched my withdrawal issue. 

On XX/XX/XXXX US Bank rescinded the provisional credit. To date XXXX XX/XX/XXXX ). after a number of calls, I have yet to be told why they rescinded the credit for the failed withdrawal.

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 2019-06-27
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I responded to an ad post on XXXX that was selling 2 tickets to a " Dead and Company '' concert at the XXXX XXXX in Washington State on XXXX XX/XX/2019. This incident occurred on XX/XX/2019. 

The ad ( since removed ) listed 2 tickets for {$120.00} each and provided a phone number ( XXXX ). The ad listed XXXX, XXXX and a few other options for payment, and stated that the tickets would be transferred over XXXX after payment. 

I sent a text message to the above number making an offer of {$140.00} for the pair of tickets, adding that I could make the payment over XXXX. Almost immediately, I received a response accepting the offer, but saying their XXXX was not working and asking to transact over XXXX. 

I had used XXXX once or twice in the past, so I didn't think much of it and agreed. The seller sent me the following information for the XXXX money transfer. 
Name : XXXX XXXX. Email : XXXX I transferred {$140.00} through XXXX from my Wells Fargo online account. A few minutes later, the seller said he received the notification from XXXX but " cancelled it by accident '', and that my money would be returned in 24 hours. He asked me to resend the payment. 

I sent him a screenshot from my side showing the confirmation number from XXXX. He insisted twice that I should try resending him the money. At this point I knew I was in a scam. After I asked him for a screenshot of the " cancellation '', he went silent and thereafter never responded. 

The following day ( XX/XX/XXXX ) I could see in in Wells Fargo account that the money had been taken out. I desperately sent another text to the above phone number, and even tried calling it to no avail. Seeing that the post was still up, I reported it to XXXX. Unfortunately, in my distressed state I did not remember to take a screenshot. 

On the same afternoon I called Wells Fargo and reported the scam. They took down the information and filed a claim. After about 2 weeks, I received a letter from them stating there was no error on their part, and they were closing the claim. I called them one last time to explain the issue on XX/XX/2019. The agent told me that transacting on XXXX is like transacting with cash and should only be done with known parties. 

While I now understand that Wells Fargo or XXXX do not guarantee against scams such as this one, I  think they can not shrug off all responsibility, since the scam occurred on their system. The scammer is presumably still using their facilities to defraud well meaning, unsuspecting users. At the very least they should make efforts to track down the scammer. I will not use XXXX again unless offered a one-time refund for this incident.

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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have two bank cards with XXXX XXXX never reported. In XXXX they reported one of my accounts late and both accounts are covered by Insurance to make payments due to loss of job. One of the claims slipped through the cracks on email and was reported late when sent together I have been around AND around telling bank its late on CR they say I can't get removed from credit report! Please help!

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 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my Bank of America Master credit card for {$18000.00} on XX/XX/2020. On XX/XX/2020, I received the credit card statement for {$100.00}. I called the Bank of America ( BOA ) customer service to remove {$100.00} and she said the fee can't be removed. Furthermore, the customer representative didn't give a clear reason why I am being billed when I already paid off the credit card balance including the interest fee. 

The Bank of America application payment page on a desktop computer is misleading and confusing. 

1. When I make a payment, the application didn't give me a chance to review my request before it submitted the payment.

2. The application doesn't allow me to remove my bank information even there is no pending transaction.

3. The application doesn't clearly show the payment statement.

4. The email confirmation notification doesn't show the exact amount that was paid. The email displayed 'the minimum amount due, Amount Due, and Account Balance ''.

I had to pay for {$100.00} so the Bank of America won't add more fees. I should not have been billed.

I would like CFPB to look into these issues. I believe BOA is wrongly charged me and they aren't transparent with their charges, fees, their web application, and email notification for payment confirmation. 

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 2021-10-22
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
Ive had car with Santander/Chrysler Capital for almost 3 yrs I pay every month ( a ) nothing goes towards the principle, everything goes towards interest which I paid {$2000.00} inXX/XX/2021 and none went to principle ( b ) I pay every month and on my credit report there are a lot of inconsistencies, likeXX/XX/2021-ok, then XX/XX/2021- 60days past due ( c ) my balance Im still the same since the first day I got the car. I have disputed with XXXX and XXXX yet nothing has changed. I feel they are and have been taking advantage of me this entireloan, false advertising. Ive contacted Santander/Chrysler capital they are giving me run around not explaining or caring. I recently asked them for a copy of my payment history which I will attach when prompted to. Please look into this as I know they have recently been identified as loan sharks, taking advantage of ppl with outrageous rates, rates where ppl will never be able to pay their loans off through them. Please help, I am one of their victims

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I used a money transferring app that is directly linked to my bank account to make 4 payments, but I was being scammed. As soon as I realized this was a scam and not a legitimate company, I called my bank so they would stop the payments. But all they said is they would file a dispute. They allowed the transfer to happen and then told me it was the money transferring apps responsibility. The app blames the bank and viceversa, and none of the involved parties ( Santander Bank and XXXX ) are doing anything to reverse the four transactions. I sent {$4000.00} to the scammers. Please, I need 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 2017-11-30
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX and today I received a telephone call from ERC regarding a debt that they stated I owed from XXXX XXXX. ERC said that this debt was owed from 2013 in the amount of XXXX. The representative, XXXX XXXX, was very mean and angry and I am a XXXX year old man with medical problems. I have never received a letter from this company regarding this debt and the representative demanded my credit card or a check by phone. I gave my daughter, XXXX XXXX, permission to speak with them because I felt threatened and did n't understand what was going on. She requested a supervisor and the supervisor was XXXX XXXX ID # XXXX. The supervisor admitted that they had not mailed a copy of this debt to me. My daughter advised that the telephone number that they contacted me on ( XXXX ) was on the national DNC list and was owned by her and should never have been called. The supervisor apologized for breaking the law and said that he would never contact me again. I am very stressed and displeased with the way I was treated my ERC. I am XXXX years old and this is no way to treat a senior citizen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX my husband and I had identity theft and fraud. It was so bad I closed every credit card we had. Then I went in a huge XXXX. I stayed in bed and wouldn't leave the apartment for a 1year. It was terrible what I did to myself. I'm a retired XXXX  of 30 years. And my FICO score went from XXXX to dirt beneath my feet XXXX something. About a year or so I called all my creditors from the XXXX fraud. I set up payment plans with everyone I owed over {$500.00}. Anyone I owed under {$500.00} I paid them off with cash.. Then on XXXX XXXX thru XX/XX/XXXX we had identy theft and fraud again. Therefore I worked with XXXX XXXX  to get all the fraud transaction removed. During that time my bank had to reissue 4 different times a new debit card. The fraud was in the thousands. It was crazy. The fraud happened on the XXXX XXXX line. After our checking account was all cleaned up I purchased XXXX XXXX and XXXX because I was not going to deal with a 3rd time having identity theft and fraud.. Now we are doing catch up..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions Inc.
State: IL
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 call XXXX XXXX to inform then that i have been a victim of their inquiry issue, and ask XXXX XXXX to deleted the following inquiry. on XX/XX/XXXX at XXXX. I told they do not dispute inquiry. 
XXXX Name of Company Date of Inquiry Type of Business XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX  Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Finance XXXX CARD   Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Real Estate And Public Accommodation CREDIT INFO  Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX XXXX   Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX   Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Oil And National Credit Cards   XXXX XXXX Show Details XX/XX/XXXX Finance XXXX XXXXXXXX Show Details XX/XX/XXXX Banking XXXX XXXX  Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX   Show Details XX/XX/XXXX Finance XXXX  Show Details XX/XX/XXXX Utilities And Fuel XXXX XXXX Show Details XX/XX/XXXX Home Furnishing XXXX Show Details XX/XX/XXXX Oil And National Credit Cards XXXX Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX BankinXXXX XXXX Show Details XX/XX/XXXX Oil And National Credit Cards

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 2018-11-21
Company: EQUIFAX, INC.
State: IL
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 call XXXX XXXX to inform then that i have been a victim of their inquiry issue, and ask XXXX XXXX to deleted the following inquiry. on XX/XX/XXXX at XXXX. I told they do not dispute inquiry. 
XXXX Name of Company Date of Inquiry Type of Business XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX  Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Real Estate And Public Accommodation XXXX XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX   Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX   Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Utilities And Fuel XXXX XXXX Show Details XX/XX/XXXX Home Furnishing XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Banking XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation