BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Santander bank online on XX/XX/2018. I opened this account because they sent me a promo bonus in the mail. The promo promises to grant {$220.00} to an individual that opens a Simply checking account with Direct deposits that equal over {$900.00} within 90 days. After that the {$220.00} promo bonus is supposed to be added to account. I called the first time about this situation on XX/XX/XXXX and spoke with a bank rep that stated she will open a case about the inquiry. I called back a week later, and spoke with another representative that told me that the case was reviewed and closed and it was denied by the marketing team because I supposedly opened an account a year ago. 

When I opened the account the first time was never officially opened because they delayed to process the signature form that was signed off by me to open my account more than a year ago. I also never used a promo code or received any promo bonuses whatsoever the first time I opened an account with Santander. 

A few days ago, I spoke with a marketing representative from Santander and explained the situation again to her. Her name is XXXX and her number is XXXX. She stated she will reach out to me in a couple of days. 

I would like to open a case through this portal to ensure Santander keeps its promise.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-04-12
Company: FC HoldCo LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX  I paid {$1000.00} toward my principal which left a balance of {$580.00}. I had already paid my current bill of # XXXX on XX/XX/. I am being harassed to pay {$340.00} for which I am paid in advance. 

I request an investigation be done to correct this error and stop this damage to my credit report. 

Respectfully, XXXX XXXX XXXX Account : XXXXAutoPay Unavailable Amount Due Immediately {$340.00} AutoPay Status Payoff  Amount {$580.00} Payoff Good XXXX XXXX XXXX Monthly Payment Amount {$340.00} Last Payment Received {$1000.00} Account Details View Latest Statement Total Amount Due {$680.00} Amount Past Due ( Due Now ) {$340.00} Next Payment Due ( XXXX XXXX XXXX ) {$680.00} Account : XXXX Manage Account Communication Settings Statement History Payment History Account Settings

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 2021-09-24
Company: Harris & Harris, Ltd.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Approx a yr ago, Harris and Harris Limited called daily, sometimes 2 or 3 times a day, looking for a XXXX guy who owed debts. I contacted the company told a gal I was Not who they were looking for and stated my number was not his, and I wanted the calls stopped.They were beyond annoying and getting to be harassing. I reported this, the calls stopped, and now yesterday XX/XX/23, the calls started again. They are robo calls, female voice, and this last call came at XXXX XXXX. 
Harris and Harris Ltd actions are once again Harassing and this needs to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: I.C. System, 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: Problem with personal statement of dispute

Complaint:
This company failed to provide proof of debt I asked them to cease collection activities until proof of debt is received.. They have failed to provide the requested information which caused my credit score to drop 35 on 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 2023-04-12
Company: WELLS FARGO & COMPANY
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells Fargo, XXXX, calls every morning between XXXX and XXXX, and has been doing so for weeks. They ask for a relative who lives in another state, but will only say it is " regarding a business matter. '' Because they refuse to tell me anything more, I assume it is a debt collection covered under the FFDCPA. 
I have XXXX  spoken to individuals telling them to stop calling this number, but they ignore me and keep calling. I finally spoke to a supervisor, who told me that they don't have to quit calling this number because the account owner provided that number to them. I told them it was my phone number and that I, as the owner of the phone number, was telling them to stop calling it. The supervisor told me that only the account owner ( apparently of some debt they are trying to collect ) can change the number. 
To be clear, I am only guessing from their refusal to say what this is about that it is a matter covered by the FFDCPA. I have nothing to do with it, other than being the person whose phone number they keep calling.

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 2022-09-07
Company: CCF Intermediate Holdings LLC
State: MS
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 disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name Speedy and Rapid Cash, I have never borrow money from them or applied to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: MS
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 disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name XXXX and XXXX XXXX, I have never borrow money from them or applied to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When i tried to set up a payment arrangement they would tell me I do n't have to pay cause I am not obligated I was like I am living in the house what do you mean then they explain its not a requirement I am still trying to work things out and the reps are not assisting in anyway I asked them to assist with putting the past due on the back of the loan and as of today 's date no one has assisted me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I am writing to file a complaint against Macy 's for imposing illegal credit protection charges on my account that I did not sign up for. These charges have varied between {$60.00} to over $ 100 monthly and have caused me significant financial hardship.

I recently discovered these unauthorized charges while going through my account statement, and I am shocked and dismayed that Macy 's would engage in such unlawful and unethical practices. I did not request any credit protection services from Macy 's, nor did I authorize any such charges on my account.

I am deeply concerned that Macy 's is taking advantage of its customers by imposing these charges without their knowledge or consent. This is a clear violation of consumer protection laws, and I urge you to take immediate action to stop Macy 's from continuing this illegal and unfair practice.

I request that you investigate this matter thoroughly and hold Macy 's accountable for the harm it has caused me and potentially other customers. I also request that you compel Macy 's to refund all the credit protection charges that they have imposed on my account without my consent.

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 2018-11-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2022-10-28
Company: Genesis FS Card Services, Inc.
State: NY
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:
Someone stole my identity to open a credit card with Genesis FS card services. XXXX XXXX XXXX XXXX XXXX XXXX 
I received a notice in the mail RE : XXXX XXXX XXXX @ Account ending in XXXX. 
I have never owned or received a Milestone credit card. 
The letter mentioned having to pay {$49.00} anual fee and a monthly fee of {$12.00}. 
Please, I would appreciate an investigation into this matter. 

Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2020 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2018-04-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This is complaint about MoneyGram. On XX/XX/2018 I did online international transfer in amount of {$5600.00}. After I did transaction I received a call from MoneyGram to verify transaction and after verification Ive been told that transaction is approved and I will receive confirmation email in couple minutes with reference number. I waited for 3 hours and didnt get confirmation email. I checked online and MoneyGram had stated error on transaction without explanation of error. And I didnt receive cancellation email. I called customer service and Ive been told that transaction exceeded limit and the transaction had been cancelled due to internal and external errors. But the next day MoneyGram withdrew the transaction amount from my bank account. So I called MoneyGram and they told me that my money will be refunded in 12 business days. Now I really dont have enough money on my bank account to run my business efficiently because of MoneyGram. I dont have enough money to complete this transfer by other options and it hurts my reputation from my business partners and I am suffering business losses. Who will cover m business losses? MoneyGram does unprofessional business with customers. This whole experience with MoneyGram is very bad. My advice to everyone do not do any business with MoneyGram at all. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-09
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
On XX/XX/23 I sent an email to Westlake advising Id lost housing and was living in my car. They previously responded immediately when I emailed. This time they didnt. I left to go to Georgia briefly. They took the car out of the hotel lot. They demanded over {$1000.00} then {$890.00} which I paid. I repeatedly asked IF I PAY THEN I WILL CALL AND GET THIS CAR AND WAS TOLD YES. I paid. I called the number and no one answered. Again I called repeatedly. Then was told to call someone else, a tow company. Those people said they didnt have a release. Then said they did but I had to wait til Wednesday at XXXX XXXX to pick up car. I said all my clothes and medicines and all that I have is in the car and I am XXXX and here alone. They said too bad. 

Westlake had been calling me with spoofed area codes of XXXX every hour virtually and also lying repeatedly about extensions or being rude and saying horrible things, Ultimately they committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
ON XX/XX/2018, I RECEIVED THE XXXX XXXX REVERSE MORTGAGE LOAN STATEMENT WHERE I SEE THAT XXXX XXXX   GOT XXXX FROM Y LOAN PRINCIPAL LINE OF CREDIT TO BUY FOR ITSELF A HAZARD INSURANCE WITHOUT MY CONSENT. I DON'T NEED AND I DON'T WANT SUCH ADITIONAL INSURANCE BECAUSE I HAVE THE PROPER HOME INSURANCE REQUIRED BY LAW .I SENT A COPY OF MY HOME INSURANCE TO XXXX XXXX, ALSO I CONTACTED BY PHONE A REPRESENTATIVE OF XXXX XXXX TO LET KNOW I CAN'T AFFORD THE ADITIONAL HAZARD INSURANCE. THEY IGNORED ME. 
BEFORE ALL THIS, XXXX XXXX SENT ME SEVERAL LETTERS WHERE THEY WROTE THAT I WAS XXXX, THEREFORE THEY WILL DO A FORECLOSURE OF MY PROPERTY. IN MY OPINION THAT WAS A THREAT TO GRAB MY PROPERTY. ( SEE THE LINK : TOP 33 REVIEWS AND COMPLAINTS ABOUT XXXX XXXX ON THE CONSUMER AFFAIRS SITE, WHERE PEOPLES SAY " XXXX XXXX IS A LAND GRABBER ''. ALSO AT THAT TIME, XXXX XXXX GRABBED FROM MY PRINCIPAL LINE OF CREDIT XXXX FOR A FAKE PROPERTY APPRAISALTHAT NEVER HAPPENED. 
EACH LETTER OR PAPER THAT I RECEIVED FROM XXXX XXXX   CONTAIN THREATS. 
XXXX XXXX GOT MY LOAN ACCOUNT FROM XXXX WHERE I STARTED MY REVERSE MORTGAGE LOAN. I'M FEELING ABUSED FOR XXXX XXXX. 
WOULD YOU PLEASE HELP ME ABOUT THIS ISSUE? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: DC
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602A. 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 instrutions 15U.S.C. 1666b : A creditor may not treat a payment on a credit card account under an open end consum, er credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone theft my identity and opened an account with Capital One Bank in my name. Also, the check amount of {$140000.00} under my name was stolen from my Adjuster ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which was sent from my house 's current mortgage insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for my fire damage house repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Telsa Motors Inc
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I leased a XXXX XXXX XXXX through Tesla Motors, Inc. I have the ability to sell my car to a Dealership under the guidelines of this contract. I submitted a Sell to Dealer request on XX/XX/2021. They emailed me saying they would contact me with further instructions within 24-48 hours. It is XX/XX/2021 and they have not contacted me or the dealer yet with an accurate payoff. I was forced to make another payment on the vehicle because they failed to provide me and the dealer proper information to payoff the vehicle. They have violated Regulation Z 1026.36 ( c ) ( 3 ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation