BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a bussiness credit line credit card since approx XXXX  it was a continual line of credit. 
For all those years I made payments monthly. During the pandemic I was unable to make payments due to business being shut down and rent moratorium A large amount of my income is from the XXXX. I finally got business up and had a few escrow closings but I still had to pay my agents who did the transactions. I also after over two years I received some not all of the rent moratorium funds. As soon as the funds were in the account and I was going to pay some of the debts over the pandemic time without any type of written notice that I need to pay payments now they went into my acount and withdrew most of the mmoney. They never told me even after they froze the accounts I found out on my own when tried to make house payments to bring house current so doesn't go into foreclosure. Wells Fargo just says they can do it and too bad. All over their web sites they say how they will help businesses. This was the low of the low as far as I am concerned Also the representative says I still owe {$8000.00} and if I don't pay monthly they will report and damage my credit. I never got any further information in writting of the payments and where or how they need to be made. All she said was pay to me. 

You for your assistance

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 2022-06-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
SYNCHRONY ( paypal credit ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX All sent me denials to open a credit line. 
I have not applied to these creditors.

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 2019-02-16
Company: Experian Information Solutions Inc.
State: NY
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:
On my three credit file I noticed that I have numerous credit inquiries I would like these to be removed Im have a hard time trying to get approval for a suitable apartment I am unable to disputes these inquiries with the companys

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX EQUIFAX Unauthorized Inquiries ( CREDITORS ) Date Of Inquiry 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-09-19
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I'm asserting my right to rescind my contact due to fraud, violation of the following USC : 15 USC 1666d ( a ) ( b ) ( c ) 18 USC 8 15 USC 1605 15 USC 1605b 15 USC 1692 ( c ) ( a ) 15 USC 1692 ( b ) ( 2 ) 15 USC 169 ( b ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: IN
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:
Sent a letter to Experian requesting to receive validation of XXXX  medical collection accounts on my credit report. The accounts are inaccurate and unverifiable, they also are a violation of my HIPAA rights. XXXX deleted the inaccurate accounts. Experian ignored my requests and did not remove/delete the accounts.

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 2022-11-25
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, XXXX XXXX XXXX This is XXXX XXXX from XXXX XXXX CA. I have banked with chime for the past 4 years. In the 4 years I have never filed a dispute of any regards. In this instance I lost my card & was a victim of debit card fraud were someone fraudulently obtained my debit/credit card and withdrew over XXXX dollars of hard earned cash which in fact was my rent money. In the process of this transaction someone made two transactions at a shells gas station for XXXX which at XXXX in California you can use credit which would mean no pin is needed for this transaction to occur. In fact the merchant is typically trained to ID the customer which they werent. After a transaction at XXXX XXXX was attempted but unsuccessful. I was alerted for fraudulent activity on my account and an automated message was sent to confirm it was me it wasnt. In this same instance multiple cash advances to their cashapp under the name XXXX XXXX was made within a few minutes. While I was clocked in at work I sent them a copy of my time sheet as well. Ive contacted this company in a dispute in regards to get my money back in which it was given a credit but not in full. Now as of XX/XX/XXXX the credit has been reversed because, they said since the transaction happen in my own community and they enter the right zip code it had to be me. On XX/XX/XXXX I am sent an additional email email to resolve this issue by retrieving my {$950.00} & chime said this was my error and Im now in debt on my account Ive had for 4 years. Ive explained to chime that the number one reason I banked with them was due to the Zero liability policy they say the use where customers who are victims of fraud will not be held accountable but, this is a ploy to to entice and take advantage of customers and was not used in my case. Im really hoping the CFPB can help me with Chime banking company. 
My chime claim is is XXXX Account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Block, Inc.
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:
On XX/XX/XXXX XXXX PM I enabled a 2 % off promo in Cash App to be used with my card, I went through the app as it has you checkout on XXXX through app to get the discount, after placing my order on XXXX from inside the Cash App app I noticed the 2 % off boost was not showing up on the transaction despite having done the checkout in app just like it said to do. Their was no fine print besides this Expires in 8 days 2 % off each XXXX purchase, Min. Purchase of {$1.00} Max discount {$50.00} valid once every hour shop in cash app to redeem the transaction was done in app as it stated and it was for {$39.00} totally meeting the requirements. I contacted support to which they told me this exactly - Category Boosts can only be used at stores that sell items from specific categories. For example, the Grocery Store BoosXXXX can only be used at grocery stores. While XXXX does sell groceries, the Grocery Store Boost wouldn't work since they're more than a grocery store. I know it's frustrating that there isn't more I can do to help in this situation. Please let me know if you have any other questions I can help with. 

The response makes no sense as Im not using a Grocery store boost at XXXX Im literally using the XXXX boost at XXXX through the app like they state you have to. 

This is deceitful advertising and luckily this transaction was small but what if it was larger? I believe I am still entitled to this promo as it was advertised and not delivered support refuses to provide anything but that copy paste generic response. 

I have attached screen shots of the promo, the charge showing no boost, the overview showing how charges look when a boost is applied and the screen recording showing me going through the purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Having trouble making payments on home. We have Home is under contract and kindly asked mortgage company to postpone the sale date. Loss of employment and covid have contributed to trouble making payments. We are selling the home and asking mortgage company to put sale on hold. We never received any 30 day notice of foreclosure sale from Wells Fargo.

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 2018-11-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account with Citi bank to get bonus cash. Requirement were to fund the account within 30 days with {$15000.00}, hold the funds there for 60 days. After that requirement met, I was supposed to keep at least {$10000.00} in the account for 90 more days to obtain {$400.00} bonus. All requirements described above were met and confirmed by multiple Citi supervisors. 

The account was funded on XX/XX/18 and the refund shouldve been in the account no later than XX/XX/18, which never happened. 

I opened a complaint on XX/XX/18 with Citi bank, they acknowledge the mistake, however stated it will take 20 more days to resolve the issue. Until the issue resolved, I will have to keep the funds in the account, otherwise they will charge a fee, which makes over 30 more from the due date. 

I can provide the complaint case if needed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: FREEDOM FINANCIAL NETWORK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Freedom Debt Relief has been deceiving from the the start. I signed up for their program on XX/XX/XXXX and have been doing everything they advise on their welcome packet and their client website. 
As a result of that, on XX/XX/XXXX I have been sued for 2 accounts and I have the following issues.

1 ) The company promised to negotiate settlements with creditors, but the service actually required the consumer settle their own debts. In this case, I have received a notice of default from one of the lawsuits, which basically means that they have done nothing. 
It misled its customers regarding the fees they charge. The company made consumers believe they only had to pay a fee when the debt got settled. The way it works, is that they send the first check for {$25.00} and they take all their fees after that. They do not disclose this on any of their documents. I found that out by looking at the ledger, I do see other fees that don't know what they are for. 
It misled its customers regarding the extent of its services. They tell you not to answer to the lawsuit or legal documents, instead, upload everything to their website as they pass the information to their partner network. There's a disconnect there, because they have done nothing and now I'm facing an affidavit of default where I have 10 days to respond. 

Also, Freedom Debt Relief has failed to notify its customers that some of the creditors hired to settle debts with had previously refused to negotiate to settle debts with third parties even when I called numerous times to get status on my case, no one knows anything and just tell me to call next week. 

This is my second complaint filed on CFPB regarding the listed above and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: BAM Management US Holdings Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Company : Binance.us Account registered under XXXX Ticket number XXXX I am one of many that are victims to Binance.us internal issues that disable accounts so that we can not access funds. I have sent six ticket requests under three different email addresses to try to get a service agent to talk to me. Two weeks ago an agent asked for a verification video and document pictures and I provided it immediately. Check XXXX  and XXXX and you will see that this is widespread, perhaps thousands of people affected. Binance.us does not have a phone number or live chat option so customers get locked out and can only submit ticket requests, which go unanswered. Some people on XXXX  and XXXX claim that Binance.us locks their accounts for months and several claim for more than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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
Consumer complaint received 2022-06-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax credit bureau has reported an incorrect collections account which WAS REMOVED PREVIOUSLY XX/XX/2021. The account " XXXX XXXX XXXX  XXXX isn't my account, it has been deleted from all 3 bureaus due to inaccuracy. 
A proper investigation according to the FCRA was not conducted. This account was reported by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: CITIBANK, N.A.
State: CA
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 have sent the following letter along with the full text of the email offer I received from aa.com to CFPB by USPS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/2022 XXXX Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Dear Sirs : On XX/XX/2022 I received the attached email from XXXX offering me the opportunity to apply for a new XXXX XXXX XXXX with a XXXX miles bonus offer after spending {$3000.00} on the card. Despite the fact that this email included an exclusive invitation number it also included language excluding persons who had received the bonus within the last 48 months. Confused by this contradictory language, prior to applying for the card I called Citi Bank to confirm that the offer was valid with the invitation number despite my having received bonus miles in the last 48 months. I was assured by the Citi Bank agent that any offer with their invitation number was valid. 
After recently complying with the terms of the bonus offer for card number ending in XXXX, I called Citi Bank last week at the number on the back of my card ( XXXX ) and asked for confirmation that I had met the requirements. I was told that there was no bonus offer associated with my card, despite having applied by clicking through the offer email. The offer spending compliance was confirmed. Today I called that number again and spoke to an agent who flat out told me that the 48 month exclusion language takes precedence, despite being previously told that the invitation number takes precedence. I was also told that I would not get the offered XXXX bonus miles. I asked why I was sent the offer if I was not eligible and was told that they CAN NOT TRACK their customers eligibility before sending out offers. 
To fix this failure to comply with their offer as confirmed over the phone with their agent BEFORE APPLYING, I am asking for the XXXX offered miles to be added to my XXXX  account XXXX 
Thank you for your attention to this matter ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: OneMain Finance Corporation
State: MD
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:
They claim I was sent the loan offer online which is a lie, I wouldnt apply for a loan if I cant pay it back. My information has been compromised over 4 years. It doesnt matter if they have my correct address. I would like to see the paperwork where I signed this loan or applied. With my signature. They did no investigation. 
I DO NOT WANT A EMAIL FROM THEM. I WANT THEM TO MAIL A COPY OF THESE 2 CREDIT CHECKS AND I WANT THEM TO STOP EMAILING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
My father XXXX XXXX XXXX died XX/XX/21 his identity was compromised and stolen. His credit cards were used by unauthorized individuals and maxed out. My brother and I are the only next to kin, my brother was appointed executive of Estate. No one authorized these charges, the address on the account was even changed. We reached out to Capital one several times and spoke with the fraud department, but nothing has happened. My father had several credit cards with Capitol One, Kohls/Capitol One. 
The Capitol One ( partial Account # ) XXXX reflected on his credit report XX/XX/21 it was a balance of XXXX as of XX/XX/21 the balance increased from to a balance of XXXX. 
The Kohls card showed a balance of XXXX on XX/XX/21 as of XX/XX/21 the balance increased to XXXX.

Company response to consumer: Closed with explanation